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18 Jun 2020

5 Biggest Concerns and How We Overcome Them

People generally want to change their mobile number, they also can afford the fee of just $949, which is much lower than a brand new Samsung phone that easily costs $1.5K (and only last 2 years).  There are 5 main concerns and today let's address them:

1. Afraid Will Lose All Data and Contacts in the Old Number
Solution: Your data is never with your mobile number or SIM.  As for your contacts, you can always retain your old number for a period, say 3 months, and do a call forwarding.  People that call your old number you can still see and receive, and you can inform them of your new number

2. Too Emotionally Attached to the Old Number
Solution: This is like people too emotionally attached to the old shophouse or kampong and refused to move to new HDB flats in the 1960s and 1970s.  But we are now in 2020, why still attached to something that has been gone long ago and no longer serves us?  

Anyway, if you like your old number so much, you can always keep it, just for mobile data use, and only use your new number.  You can also do up a moment for your old number

3. Afraid that the telcos will not allow us to change mobile number
Answer: IMDA governs all mobile numbers in Singapore.  No telcos can refuse you to change your number, it is against the law

4. Afraid that my old telco contract will be affected and got to incur penalties 
Answer: We are only changing your mobile number, not your mobile contract.  This is like you change your mobile phone from Apple to Huawei, it does not affect anything. Please note that we are in 2020 now. 

5. Not sure how to tell people when they asked me why I changed my number
Answer:  Tell them that "I am changing to a new number as my old number is not giving me what I want and I want to take charge of my life from now on.  Please update your records and wish me all the best.  My old number xxxx will be changed to yyyy from (date) onwards"

What other concerns do you face?  Share with me in the comments below.  Thanks

25 May 2020

Remote Selling Success: How to Sell and Close Every Sale without Physically Meeting People

Yes, remote selling is now a must, even you are selling to people just across the street, for we cannot meet people. Even after the lockdown period, people are still cautious. Who wants to risk falling sick just to meet a salesperson? That's why they say we cannot go back to the good old days of selling meeting people physically.

This is the world's first and only Zoom Training on Remote Selling. All the sales training in the world caters to face-to-face selling. In remote selling, you don't meet people physically at all. You communicate with them via email, text messages, group chats, video conference, FB messages, FB Live, Tik Tok comments, LinkedIn messages and just mere voice calls.

We know that remote selling has advantages over physical face-to-face selling. You can now reach out to the world with no time and distance restrictions. With technology, you can have one-to-many selling without getting more salespeople. But remote selling is different in many ways. And to close sales, you have to do the right things. Whether you are new or experienced in sales, you must master remote selling if you too want to do sales. For in the new world, we may not be able to go out to meet people at all. Power-packed contents not covered elsewhere include:

  1. What is Remote Selling and how does it differ from the physical meeting selling

  2. Top 10 Benefits of Remote Selling

  3. Remote Selling Success in 5 Ways: Equipment Set-Up, Target Right, Present Remotely, Follow-Up Remotely and Close the sale remotely

  4. The 7 Ways to Do Remote Selling: Video Conference, Group Chats, Emails, Voice Calls, Zoom or Skype, Social Media Selling and Website Selling

  5. How to Set up the right equipment for remote selling

  6. Using video conference tools including Zoom and Skype

  7. Social Media Selling

  8. The 7 Steps to Remote Selling: Target Right, Messaging, Warm Call, Video Conference, Show and Prove, Overcome Objections and Offer to Close

  9. How to Build Rapport and Trust in a Remote World

  10. Getting Passionate and Involvement Remotely

  11. The use of Videos effectively

  12. The Ultimate of Remote Selling: Create a Better World Bonus:

  13. Top 15 Strategies to Close Every Sale Remotely

Date of Remote Training: 29 May 2020 Monday
Time: 9.30 am to 12.30 pm
Venue: at Zoom. Details will be given when you register
Fee: Special $68.80 for one or $49 each for 3 
Register at or text to Andy at 65-93672286

14 May 2020

Business Turnaround (new Zoom course on 21 May)

Course: Business Turnaround

Date: 21 May 2020 Thursday 2 to 5 pm

Venue: Online at Zoom.  Details to be given when you register

Fee: $68 (no GST)

Limit to 10 people for quality coaching purpose.  Register at

Yes, people are predicting that as much as 29% of businesses are closing down or plan to close down as they cannot withstand 3 months of zero or very low income due to the COVID-19 Pandemic. When your business is down on the slippery road, do you let it fall or do you try your best to turn it around? Is bankruptcy the only option? Do you give up or give it your all?

This course BUSINESS TURNAROUND, taken from our multi-day MBA-like courses for companies (called Corporate Turnaround)is now available to you at a fraction of its cost. Enrol for this course and you can not just save your business, but also save thousands of jobs and people from misery. Power-packed contents not covered elsewhere:

  1. The 5 Internal and 6 External causes of business failure: and none is your fault

  2. The one test for your business if it can survive for another lockdown or circuit breaker

  3. 10 signs that your business is heading for closure

  4. Business Turnaround in 4 steps WITHOUT getting Receivers and Consultants help

  5. Step 1: Take Control: how to take control of the Pandemic from killing your business?

  6. Step 2: Get Stakeholders Support: Suppliers, Customers, Banks, Employees, Landlords and Government

  7. Step 3: Restructure Finance: how to get FREE Cash Flow

  8. Step 4: Fix the Business in 7 steps

  9. Top 31 Ways to Get New Sales at Zero Cost

  10. Top 20 Financial Engineering Ways to Cut Cost Without Cutting Pay or Chop Heads

  11. Business Innovation in 2 ways: Revenue model and Management model

Bonus: Weekly Cash Forecast template and how to do it

Who should not attend: People that have already closed down their business or is in the liquidation process

For Who Attend:

1. People that Want to Turnaround their Business

2. Consultants and Trainers that want to help their clients very much NOW

3. Business Chambers and Associations that want to help their members

4. Government people that want to help our population

5 Benefits of this course:

1. You'll learn ways that consultants charge thousands of dollars

2. You can avoid future business failures

3. You'll get your business saved

4. You'll save jobs and families

5. You save yourself

*We limit the Zoom class to 10 for quality coaching purpose. Enquiries: Andy at 65-93672286. 

11 May 2020

The 10 Jobs That Will Definitle Disapperar in 10 Years

From a research report in 2013, the 10 jobs that will definitely disappear in 10 years time incude:

  1. Drivers of goods vehicles
  2. Drivers of passengers
  3. Pilots, as 88% of air traffic accidents are due to human error
  4. Cashiers at shops
  5. Translators
  6. Teachers of foreign language
  7. Models of clothing
  8. Judges of competitions (not legal courts)
  9. Office workers, including secretaries
  10. Doctors
  11. Investigators

Those that cannot disappear:
  1. Primary school teachers
  2. Creative designers
  3. Songwriters
  4. Singers
  5. Actors
  6. Programmers
  7. Policemen
  8. Firemen

10 May 2020

The Office that We Knew is Dead. Maybe for longer than You Think

Think of all the good things that your office brings you: a sense of community, instant hands-on, going lunches together, exchange gossip or information about work or anything, plus sharing of tidbits and goodies.  Now they are all gone.

We know that sooner or later the lockdown will be lifted.  But until the new daily COVID-19 cases are zero consecutively for at least a week, we cannot go back to the old days.  All offices must practise the following:

1. Social distance, that means you cannot get close to your colleagues or customers for whatever reason, there must be at least a 1-metre gap in between
2. Barriers in between workplaces so that no 2 persons can get close accidentally
3. All meetings beyond one person are to be disallowed.  That means you cannot do product launches, seminars, talks or training that make people sit together.  All meetings must be virtual
4. Al after-work entertainment eg go to bars, karaoke will become difficult or impossible.  Reason: everyone works at different timings
5. Salespeople that are used to face-to-face selling cannot do that easily anymore.  What does this mean?  No sales? 

That's why we move to Zoom webinars. Every Tuesday and Friday, we have two sessions: one in the afternoon in English and another in the evening in Mandarin.  All our trainees, trainers, customers, members, friends and associates enter Zoom and we conduct our business as usual.  

Before Zoom days, our seminars are limited to Singapore at our office at Fu Lu Shou Complex.  Our Teachers have to fly to Taiwan, China, Malaysia etc to conduct once in a month or two-months live seminars there. Now?  Our Zoom meetings have people as far as New Zealand, USA, Australia, Taiwan and China.  Our audience actually doubles and in many times triples.  If you too want to find out how we conduct business, plus get your mobile number read for free (only for 1st 9), come to our:

*Mobile Number Profiling*
Is Your mobile number Good or Bad For You?
Date: Tuesday 12 May 2020 
Time: 2.13 to 4.27 (English) and 7.13 to 9.49 (Mandarin)
Teachers: Any Ng (English) and Ms Li Chengwei (Mandarin)
Fee: FREE for invited guests, others $294
Venue: At Zoom.  Details will be given to you when you register
To register, click (English) or (Mandarin) or text to Andy at 93672286

9 May 2020

Focus on These 3 Types of People

People often want to get results in the fastest way, and they asked me what types of people should they bring to our Mobile Number Profiling Zoom talks.  They are:

1. People that Are Not on Fixed Salary, or people on fixed salary but now their job is at jeopardy. These people do not have a regular income, and COVID-19 simply made their little irregular income vanished overnight.  So they are hungry and want to seek a part-time or even full-time income from a platform that is not affected by COVID-19.  

We know we are in the business of helping people reduce uncertainties, and in such uncertain times, the demand for our services naturally increases. You can verify this fact with Teacher Li or talk to Stella Ouyong, our staff. 

2. People that are already very much into Chinese things including Fengshui, Bazi, Yijing etc.  For these people, mobile number profiling using Yijing principles is very in tune with their interests and they will sign up immediately.

3. People that trust, respect and like you a lot.  They know that you must have good reason to change your mobile number after so many years, so they will follow your advice to take up our mobile number change package

When you are new, do not focus on thees 3 types of people:
1. People that know you for very long and they have a fixed opinion of you, good or bad.  They cannot accept the fact that you now believe in such things.  They will, in fact, advised you otherwise.  Ignore these people.  One way to test if they are really your friend or not is to simply ask them this question, "You know me for so long, do you think I would do things without study?  If you are, then I am very disappointed"

2. People that are negative or bias against anything from China or Chinese things. They even detest Getai, 7th-month festivals, CNY etc. 

3. People that have no money, they cannot even afford S$149 deposit.

8 May 2020

Why Is it So Difficult to Use WeChat in Singapore?

Yes, we know that there are many difficulties to overcome when you use WeChat outside China.  Many people from China could not understand this, and they often find it difficult to use WeChat with us. This chapter looks at all of the difficulties and the solutions:
a.  People outside China, especially Singapore, use WeChat very infrequently.  Most use it at most once or twice a week, and many don’t even use it for months. We know that if you don’t use WeChat for more than 3 months, your account will be blocked and many people don’t know how to unblock it.  Besides, friend requests in WeChat has a 3-days validity, so infrequent usage makes it difficult to increase your friends
b.  Bias against China and anything from China.  Because of years of influence by the Western media, especially Facebook, Google and the media, many people I know view anything from China with a negative bias.  If the things from China are good (eg phones very lasting), they will say it is because they use cheap labour.  If the things from China don’t work out, they say this is expected. As a result, many people I know don’t know what WeChat is and cannot be bothered about it.  With such a low population using WeChat on a daily basis, there is little you can do
c.   Don’t know Chinese and didn’t know that there are many free translation and transcription tools available within WeChat.  In fact, I often wrote entire articles in Chinese by not typing a single word in Chinese.  I speak in English, I speak in Mandarin and I even use articles in copyright free official accounts like Kaidan Huoban
d.   WeChat account get blocked and don’t know or cannot be bothered to unblock it.  See our earlier chapter on this
e.   Use the Facebook way to use WeChat: search for strangers, join groups yourself, advertise for just $0.20, post non-stop advertisements, post non-stop every day and post fake news.  All these are forbidden in WeChat and if you do them, your account will get blocked very fast
f.   Use WeChat on an iPhone, which has many restrictions and cannot download useful apps like Yingyong bao.  Some Samsung phones also have certain restrictions. It is best to use China-brand phones like Vivo, Oppo, Xiaomi (but not Huawei)

4 May 2020

Time Value of Money Explained

(This is covered in lecture 22 of our course Financial Intelligence)

The time value of money -- the idea that money received in the present is more valuable than the same sum in the future because of its potential to be invested and earn interest -- is one of the founding principles of Western finance.

Let's say you lent your friend $2000. Would you rather he repaid you today, or tomorrow? The logical choice would be today, because you'll be able to use your money, and potential gains that come with it, sooner.

What Is the Time Value of Money?

Money is worth more more in the present than in the future because there's an opportunity cost to waiting for it. In addition to your loss of use if you don't get your hands on it right away, there's also inflation gradually eroding its value and purchasing power.

If you're going to part with your money for any period of time, you probably expect a larger sum returned to you than you started with. Whether you're lending or investing, the goal is to make a gain to compensate you for going without your money for awhile.

Suppose your friend offers to repay you $2000 today or $2050 next year. You must consider whether you'd earn more than $50 over the next year by investing your money elsewhere before choosing to delay receiving payment. Other factors include your time preference (whether you need the money right now or can wait awhile to get it back) and whether you trust your friend to actually repay you -- another reason why money is worth more in the present: it may never materialize in the future. As the saying goes, "a bird in the hand is worth two in the bush."

Why Does the Time Value of Money Matter?

The time value of money matters because, as the basis of Western finance, you will use it in your daily consumer, business and banking decision making. All of these systems are driven by the idea that lenders and investors earn interest paid by borrowers in an effort to maximize the time value of their money. Your job within this system is to limit the cost of money to you and to increase returns on your investments.

The concept isn't new -- it dates back to ancient times -- and although, as with Islamic finance, there may be cultures that forbid charging interest, their decisions are driven by similar monetary concepts.

Formula for Calculating the Time Value of Money

So how do you measure the time value of money? The formula takes the present value, then multiplies it by compound interest for each of the payment periods and factors in the time period over which the payments are made.

Formula: FV = PV x [ 1 + (i / n) ] ^(n x t)
  • (PV) Present Value = What your money is worth right now.
  • (FV) Future Value = What your money will be worth at some future time after it (hopefully) earns interest.
  • (I) Interest = Paying someone for the time their money is held.
  • (N) Number of Periods = Investment (or loan) period.
  • (T) Number of Years = Amount of time money is held
For instance, if you start with a present value of $2,000 and invest it at 10% for one year, then the future value is:
FV = $2,000 x (1 + (10% / 1) ^ (1 x 1) = $2,200

How Interest Rates Affect the Time Value of Money
Interest compensates a party for time she spends apart from her money. Expressed as a percentage over a specific period of time, it's a charge or an income that is a measure of money's value over time.

Usually, the longer someone lends their money to another party, the higher the interest rate they charge for it. Debt of shorter duration, like a 15-year fixed mortgage, usually commands a lower rate than, say a 30-year fixed rate mortgage.

Likewise, an interest-bearing investment like a bank certificate of deposit usually pays a lower interest rate the shorter the term. If you commit to leaving your money in the account longer, you're often rewarded with a higher interest rate.

There are several different types of interest rate:
  • Simple Interest
  • Compound Interest
  • Fixed Interest Rate
  • Variable Interest Rate
Simple vs. Compound Interest
Simple interest is illustrated in the example above -- simply adding a 10% gain to $2,000 for a year yields $2,200.

Compound interest, however, is calculated by adding the interest accrued up until certain intervals during the life of the loan or investment in a way that can significantly increase the future value. Time value of money is usually calculated with compound interest.

Using the same formula as above to compute the same $2,000 at 10% for one year -- but this time compounding interest quarterly, or four times a year -- yields:

FV = PV x [ 1 + (i / n) ]^ (n x t)

This is calculated as follows: $2000 x [1 + (10% / 4)] ^(4 x 1) = $2,207.63
So that's another $7.63 in the course of a year. Note that, with compound interest, the future value is higher than it is when calculated with simple interest.

Fixed Interest Rates vs. Variable Interest Rates
In investing and borrowing, consumers often walk a delicate line of trying to maximize the time value of their money while avoiding too much risk.

As prices rise, many take on debt to be able to afford homes, cars, vacations and other 
high-cost items. That's why it's important to look closely at the type of interest you're paying and how it may change over the long term while also seeking to make strong returns to bolster the time value of your money.

If you have money invested in a certificate of deposit (CD), chances are it pays you a fixed interest rate. Fixed rate refers to an interest rate that will not change over time. The opposite of that is a variable rate, which is an interest rate that changes depending on how much benchmark rates rise or fall in the open market.

Calculated simply, if you invest $1,000 in a one-year CD at a fixed 2% interest rate, the future value of your $1000 will be $1,020. The time value of your $1,000 is 2%, or $20, in exchange for letting the bank keep your money for a year.

Opportunity Cost and Time Value of Money

Time value of money varies and involves an opportunity cost. That means that if you're putting the $1000 in the CD, you may be foregoing an opportunity to use the money as a good faith deposit on a home. Calculating the time value of your money should tell you that instead of investing at all, you should have instead paid down expensive variable rate credit card debt that's costing you hundreds a month.

3 May 2020

Financial Engineering Top 20 + 5 Ways to Cut Cost without Cutting Pay or Chopping Heads

Financial Engineering Top 20 + 5 Ways to Cut Cost without Cutting Pay or Chopping Heads: (detailed video at here)
1. Issue Shares instead of Borrow
  (If borrow, get an interest-free loan from shareholders and directors, convert the loan to preference shares. Issue derivatives)
2. Rent premise/asset with an option to buy (ask for lower rental plus lower price)
3. Re-look at your Balance Sheet – are they really assets? (Assets must have cash inflow and will increase in value)
4. Move operations or HQ to places with lower or zero taxes eg the Cayman Islands
5. Profit Sharing instead of Bonus for staff
6. Use OPM other than creditors
7. Hedge your purchase cost
8. Use online more
9. Split your company into many to take advantage of zero or lower tax
10. Change accounting policy to be more in-line with industry (e.g. lengthen depreciation years, capitalize IP, amortize R & D)
11. Sale and lease-back premise/asset (rental is tax-deductible, lease payments are not – Tax Shield)
12. Value-Added Concept for all work
13. Challenge everyone to cut cost by 10% or cut their pay by 20%
14. Do Cash business (take advance from customers, pay suppliers on credit, buy on back-to-back LC)
15. Ask for discounts from suppliers for earlier payments, and stretch others to pay for it
16. Incorporate inventory obsolescence into the cost of sales, and charge them against salespeople commission
17. Increase Inventory Turn
18. Package more services into your product and use creative services to earn more
19. Look into your existing assets: are thy relly assets or liabilities?  For assets, re-finance to cut interest cost
20. Profit-share with your suppliers, customers and even the government
21. 80/20 Rule for everything: focus on the 20% of work that produces 80% of the profit
22. Financial analysis to ensure your company is efficient financially
23. Keep more scores
24. Use zero-based budgeting
25. Regular new ideas from everyone
For the complete 2-hours video course on Financial Intelligence, visit 

Financial Engineering: 20 Ways to Cut Cost without cut pay: Financial In...

19 Apr 2020

Changing Your WeChat ID: Is It Possible?

Your WeChat ID (Identity) is unique to you. It is NOT your WeChat name, nor is it your WeChat password or your WeChat alias.
Your WeChat ID is independent of the mobile number that you link to your WeChat account. It also has nothing to do with the email or QQ account that you linked it to.
In China, your WeChat ID contains much information and is used in replacement of your Identity Card in many cities including Shenzhen.
When you first open your WeChat account, the company will assign you a computer code ID. You can easily change this computer to an ID that is easy for people to identify you and also easy for you to remember. For example, my WeChat ID is ‘AndyNgCoach’. What is yours?
Your WeChat ID can only be changed once
Some people, for various reasons, want to change their WeChat ID for a second time. This is not possible.
If you really want to change your WeChat ID, you have no choice but to delete your existing WeChat account.
Steps to delete your WeChat account:
a. Go to ‘Me’ page
b. Select Settings
c. Then Account Security
d. Next, select ‘WeChat Security Center’
e. Select ‘Account Cancellation’
WeChat will take 60 days to process your application to delete your WeChat account. Note that when you delete your WeChat account, all your contacts and chats inside there will be deleted permanently.
You cannot transfer your WeChat Contacts to your other WeChat account (if you happen to have one).
Note that to open another WeChat account, you need another mobile number that is not linked to any WeChat account.
For people that hate their existing changed WeChat ID and want to have a new one, they have no choice but to get another mobile SIM card and open another WeChat account. Then you have to manually add back the friends and re-join the group chats that you have in your first account. Once you have done these, you can proceed to apply to delete your first WeChat account that has the WeChat ID that you hate. Please keep this information for future reference. Thank you

16 Apr 2020

Yinyang Digital Energetics 2-days Masterclass on July 25 and 26 Sat and Sun

Yinyang Digital Energetics Masterclass 阴阳数字能量学 两天速习班
(18th Run on 25 and 26 July 2020 10.13 am to 6.31 pm)

Venue: Online at Zoom
Zoom ID and password: will be given to you when you register

Based on the 5,000-years history of Yijing, Digital Energetics is the now the hottest topic in town. You've heard of birth-date profiling, now you can read a person like a book with just his mobile number.

Trainer: Ms Li Cheng Wei (China) in MANDARIN with selected English translations by Andy Ng

Power-packed contents not covered elsewhere:
  1. Power of energy: a live demonstration
  2. Yin and Yang concepts in Yijing
  3. 5 Elements of Water, Wood, Fire, Metal & Soil and the 64 Diagrams
  4. How each digit represents the 5 elements
  5. Ways each digit works with other digits to create harmony or disruption
  6. What is Yinjng and Yinyang role in numbers
  7. The importance of numbers in our life and why your mobile number affects you the most
  8. Case study of apples, oranges and rice and how numbers affect a living thing including You as a human
  9. What do ferocious numbers mean to You: a demonstration
  10. Take Life Numbers and their strengths and dangers
  11. Heaven's Doctor numbers and how they are a cure-all
  12. 5 Ghosts numbers: the owl that never sleeps
  13. Life Leading numbers that can rectify the elements from 5 Ghosts
  14. Liusha numbers and how they can make you depressed easily
  15. Lively numbers as an antidote for Liusha numbers
  16. Huohai numbers and how they can cause you a bomb
  17. Fuwei numbers and their impact on Huohai numbers
  18. Wealth generating numbers and how to set the pricing for what you sell
  19. Role of Zeros in numbers
  20. How to Tell a Cheater and Conmen from his numbers
  21. Benefactors and their role in numbers
  22. Complementary numbers for couples and family
  23. How to Think out of the Box with Numbers
  24. Achieving the Impossible with the Power of Ending Numbers
  25. The 3 steps to changing your mobile number
  26. Case studies of people that have changed their mobile number
  27. The ultimate in numbers: change the universe
Bonus 1: Opening Wealth Generating Bank Accounts in the Class (need iBanking with DBS Group)

Bonus 2: FREE Reading of your mobile number for the first 49 registered people

Bonus 3: What to Do with Your Old Number

Video at here and 

5 Benefits When You Attend This 2-days Couse that used to be selling for S$1,688:
  1. You'll become an expert in mobile number reading. Such rare skills give you insights into people.  You'll become more understanding of other people and can customize your approach to them.  
  2. You will be more effective in dealing with people, be it in sales, customer service, training, management and leadership and communication
  3. It is very easy for you to introduce other people to the mobile number changing service because you can read their numbers in just 3 minutes
  4. You can earn extra income by reading other people's numbers.  I charge S$31 for each reading and so far 8 people have paid me for this service
  5. You will be able to reach your full potential because now you have such great inter-personal skills.
Seats are limited, to register, contact the person that referred you or text to me Andy Ng at 93672286