Business and Money Tips

Why This Talk Matters Now 2026 is a Fire Horse year — fast, competitive, intense. Some people will burn out. Some people will break through. The difference? How they use intelligence — beyond AI. Andy Ng, corporate trainer of 39 years, former Finance & HR Director, and author of Love Intelligence (LQ) and Win Without Fighting with Sun Tzu Art of War , will reveal: In This 2-Hour Session You Will Discover: The 3 Wealth Blind Spots Most Professionals Have Why Hard Work No Longer Guarantees Results The LQ 3Cs Framework: Care, Courage, Connection How to Multiply Income Without Working Longer How to Stay Irreplaceable in the AI Era Real case studies from leaders and entrepreneurs You will walk away with clarity, direction, and a wealth strategy for 2026. Who Should Attend? • Managers and professionals worried about AI • Business owners wanting stronger client loyalty • Salespeople who want higher closing rates • Individuals who want wealth with stability...

Most businesses chase transactions. Smart businesses build trust. But exceptional leaders go one step further. They understand that: Trust alone is not enough. It must be activated, nurtured, and strategically applied. Love Intelligence turns trust into value. Care builds trust. Courage protects trust. Connection multiplies trust. And when trust compounds, so does revenue. In a world where intelligence is automated, human trust is the real currency. And Love Intelligence is how you invest it. Come learn how Love Intelligence Creates Wealth in the AI Era on: -Sunday 1 Mar 1.30 to 3.30 pm - Bras Basah Complex 03-01 Last 11 seats left, book at https://asiatrainers.org/talk

If your business struggles with: late payments,  constant discounting,  high customer churn,  unpredictable revenue The issue is not your spreadsheet. It’s your leadership. Most cash flow problems are caused by: avoiding difficult conversations,  tolerating weak boundaries,  chasing revenue instead of building trust,  fearing conflict more than protecting margin Let’s be honest. You don’t have a pricing issue. You have a courage issue. You don’t have a collection issue. You have a boundary issue. You don’t have a retention issue. You have a relationship issue. Care Protects Revenue Customers don’t leave because of price alone. They leave because they feel unheard. Businesses that listen deeply retain longer. Retention stabilizes recurring revenue. Stable revenue improves cash flow. Care is not softness. It’s revenue protection. Courage Accelerates Cash Flow Many companies allow invoices to sit unpaid for 60–90 days. Why? Because they’re afraid to upset clie...

很多人以为《爱的智慧》、易经、孙子兵法，是“高深文化”， 好像很远、很玄、很理论。 但如果不能提升普通人的幸福， 那再高深也没有意义。 我常常这样回答： 我不是教大家变得更厉害。 我是教大家活得更清醒。 第一，爱的智慧，帮你减少内耗。 很多人不幸福，不是因为不成功， 而是因为内心一直在打仗。 跟伴侣冷战， 跟同事较劲， 跟孩子生气， 跟自己过不去。 爱的智慧讲三件事： 关爱（Care）、勇气（Courage）、连接（Connection）。 当你懂得多一点关爱，少一点指责， 你懂得有勇气面对问题，而不是逃避， 你懂得连接，而不是控制， 冲突会少很多， 关系会顺很多。 幸福不是多得到什么， 而是少失去什么。 第二，易经，帮你看清时机。 很多痛苦，其实来自错位。 该进的时候退， 该退的时候硬撑， 该等待的时候焦躁， 该行动的时候犹豫。 易经不是算命， 它教你的是“变”与“势”。 当你知道现在是什么局势， 你就不会乱冲。 当你懂得顺势而为， 你就不会逆风硬拼。 少走弯路，本身就是幸福。 第三，孙子兵法，帮你少打仗。 孙子讲得最重要的一句话是： 上兵伐谋，其次伐交，其次伐兵。 真正高明的人，是不靠硬碰硬。 很多人活得很累， 因为每天都在对抗。 跟老板对抗， 跟市场对抗， 跟命运对抗。 兵法教你的是： 如何布局、如何避开正面冲突、 如何“不战而胜”。 当你不需要天天证明自己， 当你懂得转弯而不是硬撞， 压力自然少一半。 最后，我会告诉对方一句话： 幸福，不是拥有更多。 是看得更清、做得更准、心更安。 爱的智慧让你的心不乱。 易经让你的方向不错。 孙子让你的方法不累。 当心不乱、方向不错、方法不累， 普通人也可以活得踏实、安稳、有尊严。 这就是我想做的事。 不是把中华文化讲得很伟大， 而是把它变成 你每天可以用得上的力量。

現在大家談科技、談機器人、談 AI、談未來趨勢。 但普通人真正關心的，從來只有兩件事： 我活得好不好？ 我過得幸不幸福？ 科技只是工具。 幸福才是目的。 如果效率提升了， 但壓力更大； 收入增加了， 但關係疏遠； 資訊更多了， 但內心更亂； 那我們到底進步了什麼？ AI 可以幫你寫報告， 可以幫你做分析， 可以幫你節省時間。 但它不能替你陪伴家人。 不能替你承擔責任。 不能替你感受愛。 更不能替你面對自己的孤獨。 很多人追著新工具跑， 其實不是因為需要， 而是因為焦慮。 怕落後。 怕被淘汰。 怕不夠好。 但真正成熟的人會問一個更深的問題： 這個新工具， 有沒有讓我更自由？ 有沒有讓我的關係更好？ 有沒有讓我的心更安定？ 如果沒有， 那它只是另一種更華麗的枷鎖。 幸福不是來自擁有最新的科技。 幸福來自於： 你能不能好好照顧身邊的人； 你能不能坦然面對自己的選擇； 你能不能在忙碌中，還記得為什麼出發。 科技會一直進步。 工具會一直更新。 風潮會一波又一波。 但人類幾千年來追求的， 始終沒有改變： 平安。 有愛。 有尊嚴。 有意義。 如果工具幫助你走向這些，那就用。 如果工具讓你離這些更遠，那就停。 否則， 再聰明的機器， 也救不了一個不快樂的人。 到最後， 不是誰掌握了最多科技最厲害， 而是誰活得最清醒、最踏實、最有愛。 那才是真正的進步。

Many people think that LAY ( Love Intelligence , Art of War and  Yijing)  are “lofty classical wisdom”: something abstract, philosophical, even distant from daily life. But if they cannot increase the happiness of ordinary people, then no matter how profound they are, they are meaningless. This is how I usually respond. I am not teaching people how to become more powerful. I am teaching people how to live more clearly. First, Love Intelligence reduces inner conflict. Many people are unhappy not because they are not successful. They are unhappy because there is constant war inside them. Cold wars with spouses. Silent competition with colleagues. Anger toward children. Harsh judgment toward themselves. Love Intelligence is built on three principles: Care. Courage. Connection. When you practice a little more care and a little less blame, when you have the courage to face issues instead of avoiding them, when you seek connection instead of control, conflict decre...

To fly with Love Intelligence is not about escaping life. It is about rising above noise, fear, and ego, without losing your humanity. Here is how. Lighten Your Emotional Weight No one flies while carrying resentment. Most people are grounded not by circumstances, but by anger, comparison, regret, pride. Love Intelligence begins with emotional clearing. Ask daily: What am I holding that I can release? Am I reacting from hurt or responding from clarity? Is this worth my peace? Care removes bitterness. Courage removes fear. Connection removes isolation. When emotional weight drops, lift becomes natural. Upgrade Your Inner Altitude Birds see wider because they fly higher. Love Intelligence raises perspective. Instead of: Why is this happening to me? Ask: What is this teaching me? What is the larger picture? High altitude thinking: Sees patterns, not incidents Sees timing, not panic Sees people, not enemies The higher your perspective, th...

Recently, the CEO of Google , Sundar Pichai , shared something interesting. He asked AI about his own role. The answer? “About 80% of what you do can be replaced by AI.” Now pause. If even a CEO’s work can be automated… Is there any point climbing the corporate ladder? Let me give you the uncomfortable truth. AI can replace tasks. AI cannot replace burden . A CEO’s real job is not writing emails. Not analysing reports. Not preparing slides. AI can do that faster. A CEO’s real job is this: When the numbers look good but the culture feels wrong, what do you choose? When shareholders demand profit but your conscience says no, what do you do? When the market collapses and thousands of employees are afraid, who stands in front? AI can simulate scenarios. But AI does not absorb fear. AI does not carry blame. AI does not feel the weight of a decision that affects 20,000 families. Leadership is not processing data. Leadership is absorbing pressure and still choosing resp...

Using AI ethically and responsibly is no longer optional. It is a leadership issue, a credibility issue, and a long-term survival issue. In the AI era, the real question is not “Can we use it?” It is “Should we use it this way?” Here is a practical, grounded framework. 1. Start With Intent, Not Capability Before using AI, ask: Why am I using this? Is this to enhance thinking, or to avoid thinking? Does this improve value, or just increase speed? AI is neutral. Your intent determines whether it builds or erodes trust. 2. Don’t Outsource Judgment AI can: summarize generate optimize predict But it does not carry consequences. Responsible use means: You verify critical outputs. You check assumptions. You make the final call. You accept accountability. Never say: “The AI said so.” Say: “I decided, after reviewing AI input.” That difference protects credibility. 3. Protect Data Like It’s Your Reputation Do not: Upload confidential ...

The destiny facing every working person is like a trained but powerful horse. If you are weak, the horse grows stronger. If you hesitate, the horse runs ahead without you. Now step into 2026. You begin to notice something. Work is a horse. The pace of life is another horse. Social media anxiety is yet another. Each of us is not riding just one horse — we are trying to manage an entire herd. So who are you right now? Are you the frightened rider thrown off balance, dragged by forces you cannot control? Or are you the one who climbs back up, grips the reins firmly, and learns how to guide the horse? True “good fortune” at the beginning of a year is not praying for calm seas. It is recognising that you possess the strength to navigate the storm. But this strength is not loud. It is not about domination or aggression. It is a deeper form of control: Control over your time. Control over your emotions. Control over your choices. Beyond the roles of parent, leader an...

In an AI world, answers are cheap. Judgment is rare. Critical thinking is no longer optional. It is protection. But here is the deeper layer most people miss: Critical thinking without emotional maturity becomes arrogance. Critical thinking without human understanding becomes cold logic. Critical thinking without self-awareness becomes self-deception. This is where Love Intelligence (LQ) makes someone not just critical, but critically smart. Care sharpens perception When you genuinely care, about truth, about people, about consequences,  you slow down. You don’t forward that viral post immediately. You don’t trust that AI output blindly. You don’t believe praise too quickly. Care makes you ask: Who benefits from this information? Who might be harmed? What is missing here? Most people are misled not because they lack IQ, but because they lack care. They don’t care enough to verify. Care trains intellectual responsibility. Courage protects intellectual...

Today, everyone is learning prompting. There are courses. There are frameworks. There are even certificates for prompting. “Prompt engineer” has become a title. But let me tell you something very basic. It is not prompting. At the end of the day, it is thinking. With the right prompts, yes, you can get very good answers from AI. But where do those prompts come from? They come from your mind. If your thinking is shallow, your prompts will be shallow. If your thinking is confused, your prompts will be confused. If your thinking lacks direction, AI will only amplify that confusion. AI does not upgrade your mind. It magnifies it. The real skill in the AI era is not: - typing better instructions - memorising prompt formulas - copying templates The real skill is: - How you define a problem - How you see patterns - How you connect unrelated dots - How you spot hidden risks - How you sense opportunity before others Prompting is a surface skill. Thinking is a foundational capability. If thinkin...

Google CEO Pichai said that he did an AI query and was told that 80% of what he is doing now can be replaced by AI. Does this means that there is no point in climbing the corporate ladder as even an CEO job is not secure? So Is There No Point Climbing the Corporate Ladder? The ladder itself is changing. In the past, promotion meant: More knowledge More control More information Now information is free. The value of leadership shifts from: “I know more” → to → “I can decide better.” If your ambition is based on status, salary, title — yes, AI makes the ladder unstable. If your ambition is based on: Strategic judgement Emotional steadiness Ethical courage Ability to unite people Then your value increases, not decreases. The Real Risk The risk is not that CEO jobs disappear. The risk is that middle layers built purely on coordination and reporting shrink dramatically . AI compresses hierarchy. Which means: Fewer layers. Higher expectations. Greater emotional maturity re...

What Happens When Someone Truly Listens to You? Pause for a moment. What is it like when someone really listens to you? Not waiting to reply.  Not judging. Not interrupting. Not comparing your story with theirs. Just listening. You feel lighter.  You feel seen. You feel respected.  You feel… human. That experience is powerful. And it has a name in coaching and leadership circles: Appreciative Inquiry . But let’s be honest. Strip away the jargon, and what is Appreciative Inquiry really? It is deep, intentional listening . Not passive silence.  Not polite nodding. But listening with curiosity, appreciation, and belief in the other person’s potential. When someone listens this way, something shifts. Defensiveness drops.  Creativity rises. Confidence returns.  Hope expands. Why? Because being heard affirms our existence. It validates our emotions. It tells us, “You matter.” And here is the key insight: Liste...