Exclusive Scoop: 1st Singapore Value Investing Programme Recommended by Mary Buffett

As most of you already know, the interview with Peter Buffett will be uploaded tomorrow.

Here’s a local training programme that, incredibly, was praised and recommended by Mary Buffett! The exclusive scoop for you:

1) What is it about the programme that impressed Mary Buffett so much, and what did she say about it?

Mary Buffett with Cayden Chang, Founder of Mind Kinesis Value Investing Academy

Cayden: She was impressed by the fact that we knew so much about Warren Buffett’s investment philosophy and how strongly we subscribed to it even though we are in Singapore. In addition, she has been to China previously and she felt that Asians worked so hard for money but unfortunately, they do not know how to make money work for them. Our Value Investing Programme filled this gap.

2) Is the Value Investing course for everybody?

Cayden Chang with Mr Giang, aged 70, the oldest participant in the course thus far

Cayden: Yes, it is. Value Investing Programme is a training programme that can guide anyone, with absolutely no prior investing experience, to invest in undervalued companies with good underlying economics. This programme is the 1st Value Investing Programme in Singapore to be recommended by Mary Buffett, the Internationally Acclaimed Speaker and Best-selling Author of “Buffettology” (USA Today, Business Week and New York Times Bestseller), “The Tao of Warren Buffett” (Business Week and The Wall Street Journal Bestseller) , “Warren Buffett’s Management Secrets” and “Warren Buffett and the Interpretation of Financial Statements”. In Mary Buffett’s own words as she sang praises of our Value Investing Programme – “I am really impressed with your programme …Make your money work for you which is why your programme is very important”.

3) What can participants expect to learn from the course?

Cayden: Value Investing Programme provides a set of proven methodologies modeled after the richest stock investor, Warren Buffett, which helps any investor with limited or no knowledge of investment to know the following:

1) Where to find good businesses

2) When to buy the good businesses by identifying the company’s intrinsic value or target price

3) When to sell the good businesses

The intention of the programme is to help anyone to use the skills to generate 2 sources of passive income via capital appreciation and dividends.

In addition, our approach to Value Investing also has an additional icing on the cake – the selling of US Options, which further increases the return-on-investment for any individual. What differentiates us from any other Value Investing Training is that we leverage on the power of Options. Traditionally, speculators would buy and sell Options to gain returns. That’s pure speculation to us. So what we do is that we only sell Options with no intention of buying back. Such selling greatly reduces any risk because we are not holding on to any Options. The selling of these Options will then generate a regular and passive income for anyone. We call this methodology Value Investing Options Strategy™ (VIOs™).

What makes it even more exciting is that VIOs™ only requires an average of 15 minutes per month, with no monitoring of charts and no software required. We also hold free monthly gatherings for our graduates where we generate the cash “Live” during US Market trading hours. To know more about the programme, please visit http://www.investment-in-stocks.com and http://www.facebook.com/valueinvestingacademy where we also run regular Free Investment Workshops.

4) How will investors benefit from Value Investing Programme amid current market volatility?

Cayden Chang with Zadkiel, aged 19, the youngest participant thus far

Cayden: We love volatility. In fact, the more the merrier. Now is the time when good companies are selling at very undervalued prices because of the bad news that is circulating in the market. Let me give you an example, on 8th Aug 2011, most of the share prices dropped because of the Standard & Poor’s downgrade of long-term sovereign credit rating on the United States of America to ‘AA+’ from ‘AAA’. This creates buying opportunities for us and our graduates. If we buy at a discount of, say, 20% from our target price, it means that we are increasing our profit margin by 20% excluding our expected return-on-investment. In addition, Options Premiums also increase with volatility thus translating into higher profits for our graduates when they sell Options. I love one of Warren Buffett’s sayings – “Mr Market is there to serve you and not to instruct you”.

Grace says: Click on the blue Facebook “like” link below and ‘Like’ the page to receive all the exclusive freebies which you’ll love!

Update(29/6/12) Because of reader comments here, I’ve contacted Mary Buffett directly about your concerns and this is her reply:

If any of you continue to have doubts about the programme, I think it’s best to meet Mary Buffett and ask her personally. I, for one, would do my best to attend the events and meet her. See ya!

(Update: 9 July 2012) Hi peeps, Mary Buffett DID say “I’m really impressed with your programme”. So do check out the video:

I know both the trainers (Cayden & Sean) personally and I have no reason to believe they are out to cheat anyone. Sean’s actually the kind of guy who would teach his friends about investing over a cup of coffee without asking them to pay to learn. I think it’s reasonable for him to ask for their comments/feedback/testimonials in return.

Andy, I was told that Sean has emailed you. Do reply to him so he can address your concerns.

Final note: I’ll only be accepting further comments from people who have ATTENDED the programme and have something to say about it. If you have not attended the programme, I’ll have to request that you kindly refrain from commenting here but email the trainers directly instead. Sean has provided his email address in the comment below – it’s seanseahsg@gmail.com. Thanks!

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Interview with Pradeep Kumar www.pradeeplaw.com

Pradeep Kumar

Lawyer

1)     Why did you choose to become a lawyer and what do you love most about the work you do?

Unlike many people, I must say I am rather fortunate. It was my ambition as a teenager to grow up to be a lawyer someday. It was a wish come true. Especially considering my father could not afford to send me to law school. I worked part time and slogged the night and weekends away studying for my law degree and then the English Bar exams. I studied for the English Bar exams in Singapore. My father could not raise the money to send me to England to study full time for even 1 year. I worked during the day, studied at night, saved money to pay for my air fare and tuition fees and went over to London just to sit for the exams and return thereafter. I do not consider it as “work” but instead a vocation. I hope I have made a difference to many people’s lives over the last 15 years I have been a lawyer. That is not to say that it’s all plain sailing. It can get emotionally and psychologically draining. What keeps me going is the fact that I am helping someone with a problem that needs to be taken care of.

2)     How do you manage work-related stress?

I read a lot. I enjoy going for long runs with my MP3 player and a good pair of speakers to keep me company. Most importantly, I realise that 15 minutes of silent meditation each morning  keeps me sane.

3)     You have won numerous Toastmasters speech contests. How do you craft and deliver winning speeches? 

I have always said, never “think” your speech but “feel” it. I have always delivered authentic speeches, speeches born out of the deep recesses of my soul. It’s an art and sometimes a performance. If you have passion for what you do as a speaker, it shows. Speaking to a large group of people puts me in the zone, the stage is my castle, the bigger the crowd the more comfortable I am. With a smaller crowd, I do not feel as comfortable. Rather strange don’t you think?

4)     What are the daily Success Habits you practise?

“Success habits”, really, what’s that? I wish I knew. In the movie the Last Emperor, the young celestial King Pu Yi asked his English tutor, “Sir, are you a gentleman?” and he replied “Well, I try to be!”Likewise, I hope I have been living a decent and honest life, if I am on the right track that would be good enough for me. We come to this world alone, we will leave this world alone.

5)     What advice do you have for bloggers who want to avoid being sued (for whatever reason, eg defamation, plagiarism or copyright infringement, etc)?

If you defame someone by way of slander or posting libellous statements against him, her or it, than you deserve your just desserts. If you feel that you have a point to make and stand on moral ground, come down from your high horse and confront the person face to face, eye to eye. Don’t hide behind social media devices. Philosophically, we have to ask ourselves, why do we want to defame anyone to begin with? Treat others the way you want others to treat you. I am not a Christian, but does the good book not say something to that effect?

Grace says: I would hesitate asking lawyers for an interview because they usually talk a lot but don’t say very much, if you know what I mean.

But I had a very good discussion with Pradeep over lunch previously and found that he really does care a lot about his friends and clients. So if you’re looking for a knowledgeable and friendly lawyer, head over to http://www.pradeeplaw.com.

It’s great that Pradeep is living his dream of being a lawyer. I think all of us should fight for and live our dreams, in spite of the circumstances we are in.

Come back soon for the next interview. I have so many interviews to share with you so stay tuned for more! -Grace

Interview with Marty Wilson – MartyWilson.com.au & whatiwishiknew.com *Skype-d*

Marty Wilson

Author of the ‘What I Wish I Knew’ book series, professional speaker, stand-up comic

1) What do you wish you knew at 18?

I get asked that a lot. I wish I had learnt to meditate. I didn’t learn till I was 29. Back then, I felt like the whole world was entitled to my opinion, if you know what I mean. Meditation helps calm my mind and lose the urge to tell people how to lead their lives. Things are a lot more peaceful now.

2) You were once a chemist, then a copywriter, and a stand-up comic, an author, and finally a professional speaker. Were you perhaps searching for your life’s purpose, maybe?

I was searching for what the Buddhist call the right livelihood. One which totally engages me and also brings something positive to the world.

I find we realise things only with hindsight. The advertising stuff I did taught me how to write. Being a stand-up comic gave me the confidence to talk in front of a room full of people.

Whenever I got a change of career, I went to look for mentors to give me the wisdom of their hindsight. When I wanted to be a stand-up comic, I went to look for the guys who’ve been doing that for over 20 years and bought them a coffee or beer. I asked them to download that knowledge into me. And that has helped me progress.

It’s an attitude to life. In one of my books, Christina says “When people tell me they don’t like their jobs, I ask them – You think you’re gonna live forever?”

A friend told me that the only thing in Life to fear is regrets on your deathbed.

3) How can we make our speeches funny?

You have to keep trying and not care about failing in public. The people whom we think are “naturally funny” have likely started as a kid, and didn’t care then what people thought of them. Like, if people don’t laugh, you tell it again. If people don’t laugh, you tell it again. Then they laugh so you’ll go away.

Keep trying, don’t care about failing in public. Prepare to not be funny. You won’t get it straightaway. To me, the best comedian is the one who made the audience tonight laugh the most. So keep trying out in front of people.

4) As an inspirational speaker, what sort of topics/material do you use for your speeches?

I have interviewed over 600 people for my series of books. And when I asked them what they’d do differently if they could live their lives all over again, certain themes keep popping up. For example, one would be that your thoughts create your life. What you think about determines your experience. And, take more risks. Listen to that little voice and do what it tells you to do. For example, openly state your opinion in the workplace. And wear clothes you like rather than clothes your friends like.

5) Tell us more about the ‘What I Wish I Knew About Love’ book. Any tips on how to identify whether a guy is the right one to marry?

Most people think they are in love, but you can KNOW you’re in love when you want to compromise and want to make it work. Things will never go smoothly. But you must love the person enough to work through the difficulties.

Before you think about getting married, sit down with that person, and ask what he/she wants from that relationship.

We assume that the other person wants what we want. But that is NEVER the case. We must have the patience to sit there and get them to tell us exactly what they want. And then make a rock-solid commitment to give them what they want.

I like the confrontational look when I get something wrong so I know I should rectify it. But not my wife – she wants cuddles and to talk things through. So I have to give her what she wants.

Grace says: I chanced upon a copy of Marty’s ‘What I Wish I Knew at 18′ book and was hooked on it – the wisdom of so many individuals was overwhelming. What struck me most was what one lady shared about self-love, that your nose is not too big, your thighs not too fat, etc. The basic message was to love myself for who I am and what I look like at whichever stage of my life I’m at. Powerful stuff, yes?

Now, what do I wish I knew at 18? That heartbreak ceases at some point – the end of a relationship signals the beginning of something even better. Any course in University will do – most people don’t end up in fields related to what they studied anyway.  Take more pictures! You’re only so naturally wrinkle-free once in your life! XD

To purchase Marty’s books, head over to the What I Wish I Knew store here.

Interview with the lolliologists from Sweet Enchantment in Vivocity www.SweetEnchantment.com

In late-July, I invaded the kitchen of one of the rock candy stores in Singapore. Only to meet lolliologists with names like ‘Candy Bandit’ and ‘Sugar Tinker’!

Yes, that’s me pretending to be a natural at making sugar boil. And it’ll boil at 150deg Celsius. It was really hot in that kitchen. XD

The Sugar Tinker aka Lady Boss says that this candy-making is similar to dating a woman: You cannot rush her when she’s doing her makeup, and you also cannot make her wait either.

What do we do to the sugar after it’s done boiling? Watch this video to find out and also meet the very sweet people:

Here I am rolling what is about 8kg of candy. Lots of fun like playing with Play-Doh. My teacher, Maya, is ever-ready to help as it’s not an easy task – that mound of candy gets a flat edge if you let it sit on any one side for too long.

See my point? Maya’s still worried while I can’t help smiling:

Ok… she’s smiling here… somewhat:

Candy!!

From left: The lemon candy we made (Priceless!), Citrus Mix (Large) $11.90, Yuzu (Large) $12.90 and rose lollipop. *I like the Yuzu candy a lot. Admittedly, the large jars hold too much candy for me to consume. Would buy smaller ziploc bags to put them in so I can bring the candy out with me, but the candy needs to be stored in a cool environment (air-conditioned office or fridge) or they’ll start sticking together. Great for OLs who need something sweet and yummy to get through the day!

Many thanks to the sweet gang who showed me how to make candy and let me participate in that rather tiring process. Never going to look at rock candy the same way again. And here’s us having fun:

There is an AMAZING range of rock candy flavors in the store. You absolutely have to visit it and sample the candy. When I visited in July, there were flavors like Champagne *yumz* and Latte Macchiato. The team constantly pushes the envelope to come up with new designs and flavors. Check out the Mid Autumn and Childrens’ Day ones: (photo credit: Sweet Enchantment)

I like what Maya said in the video, around 2.24, “Firstly, I need the passion for this… I have a lot of that”.

Indeed, the candy chefs at Sweet Enchantment are very passionate about what they do, so visit them at Vivocity #01-159 and at http://www.SweetEnchantment.com!~

Here’s what I think makes Sweet Enchantment a successful business:

*The entertainment/show-and-tell of watching candy being made – like what BreadTalk does with breadmaking *eating really freshly-made candy, which is still warm, is oohlala too yummilicious for words!*

*The cute girls handing out candy samples for passerbys to try – who can refuse?

*Pleasant surprises, besides the mindboggling variety of flavors, like getting a free packet of candy mailed to you when you drop your namecard into the lil bowl in the store.

*Try every flavor if you have to before you buy.

*Innovation: candy roses, candy bouquets (which I think will be a hit at V-day)

*Uber-friendly bosses and staff. XD

Go grab some candy now! And come back soon for some very exciting interviews culminating in the most exciting one on October 1st: The interview with Peter Buffett, Warren Buffett’s son. If you’re on my subscriber’s list, you get the interview sent straight to your email inbox. If you’re not a subscriber yet, sign up now for free in the box on your right.

Take care and have a great weekend!

Interview with Wei Chan from Pine Garden’s Cake www.pgcake.com & Baguette www.Baguette.sg & Next Door Deli

Wei Chan

Business Development Director at Pine Garden’s Cake & Founder of Baguette – The Viet Inspired Deli & Next Door Deli

1) (I’m a big fan of Baguette – The Viet Inspired Deli) What made you decide to start Baguette?

Like many boys, I wanted to be a pilot with SQ but that didn’t happen. I graduated with double majors in Tourism and Marketing. While studying in Canada, I had fun, explored and also hung out with Viet gangsters. I had the Banh Mi, Viet pho and spring rolls. This made me think about home. The Western subs usually have salty ham and the vegetables neutralize the taste but the Vietnamese baguette offers a roller coaster of taste. I kept the taste in my head for a long time, worked in an MNC for 5 years till 2003 when I quit. I took 3 years to save up, invented the bread, and set up Baguette in 2006.

2) Baguette and Pine Garden’s Cake have interesting inventions like the Sushi Bread and the Lychee Martini cake. Who invented these?

A baker friend of mine invented the Sushi Bread. The new cake flavors were invented by me. If you find that a lot of alcohol is involved… it has to be me. I like the scientific invention of things, such as the 13-tier wedding cake. Beatrice Chia and Mark Richmond asked if I could design their wedding cake. I like to engineer stuff so I made them a propeller plane cake.

Wouldn’t you like to try the Margarita chiffon cake with tequila lime glaze, consumed with a dash of sea salt?

3) What are the challenges you faced in taking over the business reins?

Our first Pine Garden’s Cake outlet was opened in 1984.

In 2003, the bakery was in the red. The malls were doing well; one-stop shop, air-conditioned. My mother wanted to close it down. But I loved my pandan cake so much that I refused. Everyday, I wondered what to do.

I became the photographer, finance guy, delivery boy, innovator.

I approached the catering companies, the industrial companies, and more. I did the Marketing as well. One day, I crashed our beat-up Honda while delivering cakes.  That was an old car we had. Now, we have 3 vans.

In 2004, we had our first break. The newspapers reported about our black forest cake. I got calls from staff saying we had run out of cherries so I had to go out and buy more. We have had that cake for 20 years and we sold 1 a day. Then we became that unpolished gem that was found.

4) You’re managing a number of businesses. What’s next?

We hope to do more. Pine Garden’s Cake is involved in charity work in the old folks’ homes. We also hire ex-offenders from the Yellow Ribbon Project.

There’s also Migrant Workers’ Sunday when we supply bread and cakes for the migrant workers.

As for Baguette, I’d like to contribute back to the country it originated in; to enrich the Vietnamese society.

5) What tips do you have for aspiring entrepreneurs?

A lot starts with the mindset. You need the tenacity and determination, together with perseverance. It’s a character-building process along the way.

You must have the right beliefs and no matter what mental torture you go through, you must still say “I want to persevere!”

You have to be a believer that “Change is the only constant”. Every 2 weeks, I ask for something to be changed e.g. Toilet door to be painted or a new product every 1-2mths.

I used to be wining and dining. But as is typical for the first 3 years, I cut down on that lifestyle. No more Hyatt. But in 2005, as a reward for everyone, we went to enjoy a seafood platter at Hyatt.

It’s not without hard work. Every weekend, I was sending wedding cakes in the beat-up Honda. I worked till 3 or 4am and went back to work at 8 or 9 o’clock.

Grace says:

Check these out -

The $12,000 WMF Coffee Machine (and the coffee only costs $1.50!!)

A very sweet gesture: A free cold drink for all customers of Pine Garden’s Cake *What a welcoming sight on a hot day*

Cakes galore!

The nostalgic series of cakes *From your childhood and mine!*

Who likes this? D24 Durian Snow Skin Mooncakes!

 

What?! No more Cat Mountain King mooncakes? (>_<)

But Wei managed to find me some from the “secret stash”. (Fyi, I don’t eat durian but strangely, everybody in my family LOVES durian. I wonder why.)

Wei gave me a gift of a selection of 6 slices of cake. Among them is my favorite lychee martini. Yay! Peek into the box and guess which one it is…

Yes, it’s the one with the lychee on top!

This interview is one of the most memorable. So much yummy food at really affordable prices. By the way, you absolutely MUST try the Sushi Bread and the Baked Cheesecake available at Pine Garden’s Cake, Baguette and Next Door Deli (next door to PGC). The curry rice at Baguette is also yummilicious!

I want to bring YOU, my blog reader, on my next visit to Next Door Deli. Interested? Drop me an email at gracewwg@gmail.com, leaving me your contact number so I can sms you the details.  See you soon!

p/s: Let me know which are your favourite food places so I can go interview the bosses too!

Interview with Dr Leslie Tay from www.ieatishootipost.sg

 

Dr Leslie Tay

Family Doctor & Food Blogger (http://ieatishootipost.sg/)

1) Why did you start the food blog ieatishootipost.sg and how do you take such good photographs?

I wanted to share about the best hawker food in Singapore, with well-taken photographs and honest reviews. My aim is also to help good hawkers get more business. It is not to put anyone down or to drive anyone out of business with reviews of food that isn’t good. If the food is good, I’ll write about it. If it’s not, I’ll not write about it or I’ll write about the good stuff and include “but…”. Readers can then choose to eat what I have recommended is good, but they can also choose to try what I’ve said is not so good. If I find a particular stall good, chances are 80% of my readers will agree with me, as a certain standard has been established already.

You know what professional photographers are like. They’ll take hundreds or thousands of photographs and show you only the best 1 or 2, so you’ll think they’re really good. I usually take between 30 and 50 pictures and a few make it onto my blog. Yes, I have to take pictures fast so the food doesn’t turn cold. I still want to eat the food after phototaking!

2) Did you ever expect your blog would become such a mega success?

No. I just wanted to provide good photos and reviews so people know where to find good food in Singapore. You can never tell with such things. I’m glad that it’s doing well, and we even have a forum where the community is very civilised – no foul language and such.

3) Why do you not do paid reviews? Then how do you persuade hawkers to be interviewed by you?

Like I said, my aim is to provide an objective viewpoint. And readers know this is what to expect. I want to help hawkers who are really good to get more business. For example, there’s this old couple who make soya sauce the good old, traditional way and pretty much refuse to have it done the commercial way. After my blog post about them, they got more business and gave me a phone call to thank me.

Just be polite and smile. For example, if you’re interviewing the char kway teow hawker at Hill Street, and you can speak some Teochew, you’ll make the old uncle very happy. You’ll have to queue up like everyone else, eat the food and then compliment them and ask them nicely for the reasons why their food tastes so good. Most of the time they are willing to share.

4) From Charlene (missuschewy.com) – What is it about food blogging that motivates you to keep on doing what you do?

I love discovering new things about food.  Each hawker stall, each dish is a chance to discover something new. Like when I spoke to the Chwee Kueh uncle and found out the reason Chwee Kueh is called Chwee Kueh.  It was a moment of revelation for me which I knew would have the same effect with my readers.  That makes me feel good!

5) From Jacob (cooksnapeatlove.com) – How do you balance blogging/tasting sessions with work and family life?

I bring them along when I can.  My kids are slowly becoming food critics themselves and it’s quite fun to watch.  But at the end of the day, we need to always keep in mind that life is not about food.  It is about love and relationships, family and friends, so blogging and tasting must never take precedence over them.

Grace says: Dr Tay was one of the most intriguing interviewees so far. I was dying to find out how a busy doctor found time to eat, shoot and post. (Blogging is not an easy task, I can assure you!) Turns out he takes afternoons off to go scour the island for the best food places! Mystery solved.

He also gave me an impromptu photography lesson. The picture you see above was taken by me. (And cropped with *ahem* Paint *ahem*)

For more amazing food pictures & hawker recommendations, check out http://ieatishootipost.sg/ :)

Come back this Friday – for the interview with the boss of Pine Garden’s Cake

Interview with Dennis Ng from www.HousingLoanSG.com & www.MasterYourFinance.com

Dennis Ng (and Grace, with Dennis’ 2 books; both bestsellers)

1) What are the biggest mistakes people make with their money?

People often mistake income as what they earn. What you really earn is your savings – the net “profit”. Pay Yourself First!

They save insufficient amounts of money. I recommend at least 10% or a minimum of $300 per month.

They play safe with their savings too as they are scared of losing. You know how the Law Of Attraction works – the Universe hears “lose lose lose”, and they are scared of losing hence they lose. For the investor, losing is part of the equation; it is already expected. While others put money in a safe place which cannot beat inflation, the rich borrow money from the bank.

Some treat Life Insurance as savings. Returns 3%, again less than inflation, which means they are getting poorer.

Investing without adequate knowledge, which is actually gambling.

Blindly listening to others, even so-called experts, without doing their own thinking.

Have the Something for Nothing mentality.

Some are blinded by greed and fall for scams.

Aim to be debt-free as soon as possible. I’m a multi-millionaire and I owe the bank money. Just don’t over-borrow.

I see my income as a function of the value I provide to society. If what you do is the reward itself, then you will enjoy happiness and fulfillment.

2) What habits do you believe have the most effect on wealth accumulation & management?

Pay Yourself First.

Invest in acquiring investment knowledge. Have knowledge before investing.

Make money work for you; returns must be higher than the inflation rate. It is possible to get 15% or more average annual returns per year. Leverage on the Power of Compounding.

Understanding Financial Planning is like Soccer; it requires Good Defence & Offence.

We are just here to perform a specific purpose. People mistake money with wealth. Income is a function of the value you deliver and number of people you serve.

I don’t need to chase after money. Just ask “How can I serve more people, how can I increase my value-add?” Find the answer and your income automatically increases. My income is my scoreboard. To earn a million dollars, I probably have to deliver 5 million in value. The value I deliver to society is what motivates me. My income will be a fraction of that.

3) Which are the core lessons you would like people to learn?

First, want to become rich. Most people WISH to be rich. They don’t want to become rich, e.g. they don’t want to look at financial statements.

Secondly, BELIEVE you can become rich. Stop waiting to win at the Big Sweep. Hope is not a strategy. It is undependable.

Thirdly, start taking action. What do I need to know? What are the rich people in the world investing in?

Learn how to invest like the rich, instead of living like the rich. I made that mistake. I went to learn to play golf and found out I had no aptitude for it. Golf requires time for practice. Haven’t played badminton in 10 years? You’ll still be able to now. But you need to go to the driving range at least once a week. I think golf is for people with too much money and too much time.

Also, it’s NOT the wealth that you will acquire that is the most valuable thing. The most valuable thing is the person that you will become in this journey and process.

4) How can we get started on the path to becoming a millionaire?

Learn to reach financial freedom. Learn how to plan your finances.

The smart investor looks for high returns and low risks. A simple rule is this: the upside must be double the downside. Demand that risk must be low!

Learn. Unlearn. Learn.

5) What is your opinion on “Money” and “Happiness”? Does having lots of money bring Happiness?

No! I have worked for 7 years in a bank and 8 years as a financial planner. I have met rich people who are not happy, rich people who are very happy, poor people who are happy or unhappy.

Of course, a comfortable existence is difficult without money. Happiness is a feeling, a state. Happiness is a decision. If you wake up in the morning and you slip and fall, you can curse, and think it is a bad omen and that everything else is going to fail. OR, you can pick yourself up and laugh about how it’s so funny like you’re watching a comedy. It is all a personal choice.

I asked myself what I really want. Some things I do are not fun but are necessary. Everyone is looking for happiness and fulfillment. We don’t want temporary fun.

Material things cannot give us what we really need. After 3 days, the excitement is gone.

Grace says: I have to admit I usually get rather nervous meeting these multi-millionaires, celebrities and successful entrepreneurs. But I’ve found that most of them are really nice folks. Hard to believe, but true!

Dennis is one of them. Our 1-hour interview stretched to 2 hours, and he gave me a copy of each of his 2 bestselling books (imagine that!). I had already bought Dennis’ first book and he autographed all 3.  XD

That’s not all.

After our interview, I went to another location to interview another entrepreneur and while waiting for the latter, I realised that Dennis had sent me an email after he left, with his detailed answers to my interview questions (I had sent them to him before we met up). It was totally unexpected because I was taking notes with my ipad during our interview. It was one of my rare almost-fell-off-the-chair moments.

He’s such a generous soul that I have no qualms about recommending his books or his training programmes. I’m sure you’ll get at least 5 (if not 10) times more value than what you pay.

I highly recommend you get a copy of at least his first book here

Here’s what Lorna Tan, former editor of the “Invest” section in The Sunday Times said about the book:

“In this book, Dennis has shared many useful tips and practical strategies on managing and growing wealth. I’m sure you will gain valuable insights from it.”

Join me on the path to becoming a millionaire!