Business and Money Tips

Many people say in life, “You cannot have your cake and eat it.” Meaning: you must choose. Either A or B. But the deeper wisdom of Yin and Yang tells us something more subtle. Life is rarely about choosing only one side. In reality, both Yin and Yang always exist together. But they are never frozen at exactly 50–50. If Yin and Yang were always perfectly equal, life would become static. Nothing would change. Nothing would evolve. The world would be predictable — and frankly, boring. Instead, the universe works differently. Sometimes Yin rises and Yang retreats. Sometimes Yang expands and Yin withdraws. Winter gives way to spring. Action gives way to rest. Success gives way to humility. Strength gives way to softness. The secret is not perfect balance. The secret is constant movement toward balance. Yin and Yang are always adjusting, correcting, and responding to each other. That is why the Yijing describes reality as a system of changing patterns, not fixed states. In life, this means: ...

On 1 March 2026 , at Singapore’s Bras Basah Complex , a different kind of talk took place. Instead of discussing artificial intelligence, data, or technology trends, the keynote explored something far more human. The topic was: “How Love Intelligence Creates Real Wealth in the AI Era.” The session, delivered by a speaker and author Andy Ng , lasted 90 minutes , significantly longer than his typical keynote. The reason was simple. The talk quickly turned into a dialogue . Participants shared personal stories, asked questions, and reflected on how leadership is changing in a world increasingly shaped by AI. As part of the session, every participant completed a Love Intelligence (LQ) assessment , a framework that examines how individuals build trust, relationships, and influence. What emerged from the discussion was a simple but powerful idea. Technology may increase efficiency, but human relationships create wealth. In many organisations today, leaders focus heavily on intelli...

Why DBS Wins Trust in Asia (And the Quiet Advantage Many People Miss) In banking, speed matters. But trust matters more. Across Asia, financial institutions compete fiercely in technology, scale, and innovation. Yet one bank has consistently achieved something far more difficult. It has become a bank people trust instinctively . That bank is DBS Bank. Under the leadership of Tan Su Shan, DBS is widely recognised as the world’s best digital bank . But if we look carefully, the real achievement of DBS may be something deeper. DBS did not simply digitise banking. DBS quietly redesigned what a bank should feel like. And that difference is why trust follows. The Hidden Transformation Few People Notice Many organisations try to become “digital”. Most fail.  They install new systems, launch apps, and automate processes. But underneath the surface, the culture remains the same. DBS did something much harder.  It changed how the organisation thinks . The b...

The Quiet Crisis of the AI Era In the past, we worried that machines would become like humans. Today something more worrying is happening.  Humans are becoming like machines. Many people now behave like humanoids. They follow systems, procedures, and rules perfectly — but their heart is missing. A humanoid is not a robot.   A humanoid is a human who has stopped thinking, stopped feeling, and simply follows procedures. You see this everywhere. A customer service officer who says,  “Sorry, the system does not allow.” A manager who focuses only on KPI and efficiency, but ignores people. A person who takes two rounds of free gifts because “there is no written rule.” Technically they may be correct. But something important is gone. Human judgment. Human responsibility. Human heart. This is the difference between a human and a humanoid. A humanoid asks:  “What do the rules say?” A human asks:  “What is the right thing to do?” A humanoid focuses on efficiency...

And the Strategic Insight Many People Miss (Written by Andy Ng, Chief Trainer Coach, Asia Coaching Training, author of Love Intelligence and 爱的智慧 )   Many people think BreadTalk succeeded because it makes good bread. But good bread exists everywhere. Yet only one Singapore brand turned bakery into a regional phenomenon. BreadTalk Group. From a single outlet in Singapore in 2000, BreadTalk expanded across Asia and built a portfolio including brands such as Food Republic , Toast box, and the Singapore franchise of Din Tai Fung. Most people attribute the success to innovation or branding. But after studying the brand closely, I believe the real insight lies deeper. BreadTalk did not just create a bakery. It reinvented the bakery business model.   Insight #1:  BreadTalk Turned Bakery into Retail Theatre Traditional bakeries hide their kitchens. BreadTalk put the kitchen in the spotlight.  Customers watch bakers knead dough, shape buns, and pul...

Why Sheng Siong Wins Hearts in Singapore 10 Business Lessons in Love Intelligence By Andy Ng, Speaker Trainer, Author of Love Intelligence and 爱的智慧 In the age of AI, automation, and algorithm-driven businesses, something interesting is happening in Singapore. One supermarket chain continues to win the hearts of ordinary people. Not because it has the most glamorous stores. Not because it sells luxury imported products. But because people trust it. That company is Sheng Siong . Many businesses today compete using technology, scale, or marketing budgets. Sheng Siong competes using something far more powerful. Human understanding. In my work researching businesses that succeed over the long term, I study a concept called Love Intelligence (LQ) . Love Intelligence does not mean emotional softness. It means understanding people deeply and creating value for everyone in the ecosystem — customers, employees, suppliers, partners, government, and society. When I studied Sheng Siong, I real...

3 Humanoid Behaviors That Destroy Humanity In the AI era, the real danger is not that machines become like humans. The danger is that humans start behaving like machines. These “humanoid behaviors” are already everywhere. 1. Assuming Instead of Understanding Humanoids like to assume. They assume they are right. They assume certain rules exist. They assume other people’s intentions. But assumptions destroy relationships. Humans ask questions. Humans seek understanding. Humans are curious. Humanoids simply process incomplete data and jump to conclusions. A human says: “Let me understand first.” A humanoid says: “I already know.” 2. Hiding Behind Black-and-White Rules Humanoids love technicalities. For example, when there are free gifts at an event, some people go for a second or third round. When questioned, they reply:  “There is no written rule saying we cannot take again.” This is not intelligence.   This is rule-gaming. Humans understand s...

Andy wrote Love Intelligence because he saw a growing problem in modern success culture. For decades, people were taught to focus on IQ (intelligence) and EQ (emotional intelligence) to succeed. Later, businesses became obsessed with KPIs, productivity, and performance metrics . Many people became efficient and successful, but at the same time, they also became stressed, disconnected, and transactional in their relationships . Andy observed something worrying: People were becoming high-performing, but less human . In the AI era, this risk becomes even greater. Machines can already process information faster than humans. If people only rely on logic, speed, and data, they may slowly start behaving like humanoids: efficient but lacking warmth, trust, and meaning . That is why Andy introduced the idea of Love Intelligence (LQ):  the ability to combine care, courage, and connection to create trust, cooperation, and long-term value. Yes, the idea is related to the book SuperME ...

The main motivation behind Vivian Passion Koh writing SuperME Unleashed came from a very personal observation about modern life. She noticed that many capable people were successful on the outside but struggling on the inside . They were intelligent, hardworking, and even respected in their careers, yet they often felt: disconnected from themselves pressured by expectations and KPIs trapped in comparison and competition unsure of their deeper purpose Vivian believed the problem was not a lack of skills or intelligence. The deeper issue was that people were operating from their “Survival Self” rather than their “Super Self.” So she wrote SuperME Unleashed to help people: Reconnect with their authentic self instead of living by external pressure. Lead and live from inner wholeness , not fear or inadequacy. Activate their highest potential —the “SuperME”—which combines purpose, love, courage, and contribution. In simple terms, the book is her way of sayin...

If we are not careful, AI will slowly make us stop thinking. People ask AI everything today. Even small things like what coffee to drink. Thinking is like a muscle. If you don’t use it, it weakens. So the solution is simple: Create a daily routine to train your thinking. Here are five ways to do it without AI. 1. The 10-Minute Thinking Appointment Every day, schedule 10 minutes just for thinking. No phone.  No AI.  No internet. Just one question: “What is the most important thing I should think about today?” You will be surprised how powerful quiet thinking can be. Most breakthroughs happen in silence. 2. Write One Page of Thoughts Thinking becomes clearer when it is written down. Every day, write one page in a notebook. It could be about: a problem you are facing a decision you need to make something you observed about people or life Writing forces the brain to organize ideas. This strengthens thinking. 3. Ask Yourself One Powerful Question Great thinkers ask great questions....

Five Ways to Think More in the AI Era Many people think AI will make humans smarter. But if we are not careful, AI may slowly make humans stop thinking. Today people ask AI everything. Even simple things like which coffee to drink. If this continues, the danger is not that AI becomes smarter. The danger is humans becoming mentally lazy. So the real question is not: “How powerful is AI?” The real question is: “Are you still thinking?” Here are five ways to think more even when you use AI. 1. Think Before You Ask Most people open AI and immediately ask a question. Instead, pause first. Ask yourself: “What do I already know about this problem?” Even 30 seconds of thinking first activates your brain. Use AI after thinking, not instead of thinking. 2. Challenge the Answer AI gives very confident answers. But confident does not mean correct. Always ask yourself: Does this make sense? What assumptions are behind this? What could be wrong? Thinking grows when you question information, not when...

Why do some people with very high IQ remain poor… while others with average intelligence build enormous wealth? Think about it. The world is full of brilliant people who struggle financially. And at the same time, there are people who are not exceptionally smart, yet opportunities seem to flow to them.  So what is the difference? The difference is not IQ .  The difference is WQ — Wealth Intelligence . The fastest way to increase your Wealth Intelligence… is actually through Love Intelligence. Let me share a true observation from the corporate world. Two sales directors were working in the same company. Both were intelligent. Both understood the products well.  Both had strong sales skills. But their results were very different. The first director was aggressive and highly competitive. He pushed people hard, criticized mistakes quickly, and focused only on targets. His team performed… but they were always stressed.   People left the depar...