Business and Money Tips

It is often said that we don’t believe people based on what they say,  we believe them based on how they behave . So when someone says, “I never lie,” or “I cannot tolerate exaggeration or dishonesty,” does it automatically mean this person will never lie? Of course not. Words are easy. Behavior is the truth. In fact, people who insist very strongly that they “never lie” are often sincere in small matters,  but when it comes to bigger issues , they may hide, avoid, or distort the truth. Not because they are bad. But because they are human. Fear, shame, insecurity, these are powerful forces. And they make even honest people silent when it matters most. That’s why, as a SuperME , we must understand this simple wisdom: 👉 Judge not by declarations, but by patterns. 👉 Look not at what they claim, but at how they act when stakes are high. 👉 Don’t expect perfection, expect humanity. SuperME is not about pointing fingers. It is about awareness , discernmen...

  This is the stratagem that saved me from being cheated by a close friend.  Stratagem 27: Play Dumb — The Power of Controlled Simplicity In the world of strategy, intelligence does not always show itself at the front. Sometimes, the most powerful move is to hide your sharpness and let others underestimate you. That is the essence of Stratagem 27: Play Dumb (假痴不癲) — appearing harmless, simple, or unthreatening so others reveal their true colors while you stay in full control. Most people want to look smart, clever, brilliant. But in strategy, when you show too much, you lose too much. The greatest advantage in any battlefield, business, leadership, negotiation, or even daily life, is knowing more than others think you know . When you “play dumb”, three things happen: People relax and drop their guard. You gain information that they would never reveal to a strong opponent. You control the timing of your move, catching others by surprise. This is not about b...

Most people spend their entire lives chasing money, success, or meaning the hard way.  But everything becomes easier when you understand Love Intelligence (LQ): the ability to use love as your competitive advantage. Love builds real trust, trust creates real value, and money always follows value.  In this powerful book, Andy Ng teaches how to use LQ to make better decisions, multiply ideas, build wealth, lead teams, and turn conflict into profit with ease.  Discover how Love Intelligence will transform the way you work, lead and live.  

LOVE INTELLIGENCE (LQ) Unlock the Power of Love to Build Your Wealth, Business, Career, and Life By Andy Ng What if the most powerful force for success is not money, intelligence, or strategy… but love? For 29 years, corporate trainer and speaker Andy Ng has coached leaders, executives, entrepreneurs, and teams across Asia. After working with more than 300 organizations, he discovered a surprising truth: Love is the engine behind trust. Trust is the engine behind value. And value is the engine behind wealth. When you understand how to use love—not romance, but Love Intelligence (LQ) —your decisions become clearer, your leadership becomes stronger, your influence grows deeper, and your results accelerate faster. ❤️ What is Love Intelligence (LQ)? LQ is the ability to use love as a strategic advantage in business and life. It is the missing skill that top leaders and high-performers use to: ✓ Build trust quickly ✓ Lead people without force ✓ Make decisions without fear ✓...

Love-Powered Management Every manager needs four core abilities: Leadership, People Management, Communication, and Getting Things Done. What most people don’t realise is that all four are powered by one hidden force: love used intelligently. Not emotional love. Not soft love. But Love Intelligence (LQ): the ability to lead with purpose, clarity and connection. Here’s how it works. 1. Leadership A leader’s job is to influence, inspire and align. Love helps because:  • When you love your mission, people can feel your conviction  • When you love your team, they trust you more  • When you love your values, you make clearer decisions Love creates followability. People don’t follow titles. They follow energy. 2. People Management People are emotional beings. They don’t work well for managers they fear or dislike. Love strategies help you:  • Understand motivations instead of judging behaviour  • Give feedback with care instead of criticism  • Support growth inste...

Warren Buffett always says, “Invest in the future.” And he is right. But my advice goes one step deeper: Invest in your love for the future. Because when you love the future, you automatically move towards it. You make better decisions. You create better relationships. You become more adaptable, more courageous, more alive. This is the heart of Love Intelligence (LQ) . When you love your future, you stop sabotaging yourself. You stop fearing change. You start seeing possibilities instead of problems. Your energy rises, your creativity returns, and your actions become bold but stable. When you love your mission, your work becomes meaningful. You wake up with purpose. You serve people at a higher level, and they feel it. People trust you more, support you more, and follow you more. When you love the people around you, you build alliances, not enemies. Your influence grows. Your networks expand. Your opportunities multiply. When you love yourself, you no longer se...

When Sun Tzu says, “To win without fighting, you must know your terrain, understand your rivals, and above all, master yourself,” he is describing strategy. But strategy alone is not enough. What powers these three elements is love,  not soft love, but intelligent love. Knowing your terrain requires attention, curiosity and sincerity. You must genuinely care about the people you serve. If you don’t love your market, you won’t bother to understand their fears, desires, timing, or energy. Love helps you see what others overlook. Understanding your rivals is not about hatred or fear. Sun Tzu never taught that. He taught respect, awareness, and wisdom. With love in your heart, you don’t attack competitors; you learn from them, partner when possible, and differentiate with grace. Love removes ego, and ego is the biggest cause of unnecessary battles. Mastering yourself is impossible without love. Because mastery requires calmness, discipline, confidence, and emotional ...

Yijing teaches us to be good, to be strong internally, and to be in harmony with nature. So where does love fit into this? Love is actually the hidden energy behind all three. When Yijing talks about being good , it isn’t moral preaching. It means your intentions must be pure. When your heart carries love, real love for people, for your work, for life,  your actions become upright, your decisions become clearer, and your results become smoother.  Love guides goodness. When Yijing talks about being internally strong , that strength is not toughness. It is stability.  A person full of love is emotionally steady. Love calms the mind, relaxes the body, and keeps your Qi flowing smoothly. That is true inner strength, a strength that cannot be shaken by circumstances. When Yijing talks about harmony with nature , it means aligning with the natural flow of life. Love is the highest form of alignment. When your heart is warm, open, and connected, you sense timing bet...

People always ask me, “How can you get rich with love? How can financial success come from something so intangible?” It sounds strange only because we have been trained to chase money, not to understand what creates money. Money doesn’t come from effort alone. Money comes from energy, trust, relationships, reputation, and value creation. And the source behind all of these… is love. When you love what you do, you stay longer, think deeper, notice opportunities others miss. When you love the people you serve, you naturally give more value, and people reward you for that. When you love yourself enough to grow, your skills rise, your confidence rises, and your income follows. When you love your clients, they feel safe with you. Safe people buy more. Safe clients stay longer. When you love your team, they become loyal, creative and committed. That translates directly into profits. So love is not something soft. Love is the fuel behind trust, performance, innovation, and long-term growth. Re...

People often say, “Plan your 2026 now. Set your goals. Decide what you want to achieve.” But I say: plan your 2026 with love. Not just what you want to achieve, but what love you want to live, give, and grow. Because with love, we can do anything. Think about it. Every great invention, every breakthrough in history, did it start with a perfect plan, or did it start with love? Love for discovery. Love for solving human problems. Love for making life better. Edison didn’t invent the lightbulb just to make money, he wanted to bring light to the world. The Wright brothers weren’t just building a machine, they were driven by the love of flight, the dream to help humanity soar. Steve Jobs wasn’t obsessed with technology, he was obsessed with beauty, creativity, and human experience. Love creates energy. Plans create structure. But without love, even the best plan becomes lifeless. So as you look toward 2026, don’t just plan your success. Plan your love. Because when love leads, everything el...

1. Begin every meeting with humanity  Ask: “Is everyone okay today?”  One sentence changes the energy of the room.  2. Correct with care  Say: “Let’s work on this together.”  Not: “Why did you mess this up?”  3. Lead by example  Confucius said: “The virtuous person is a mirror.”  Your behavior teaches more than your words.  4. Build trust through fairness  If people feel you are fair, they will accept tough  decisions.  Lee Kuan Yew is famous for this.   5. Celebrate small wins  This increases team morale and creates  momentum. In my company, we have monthly  small awards, and quarterly bigger awards.   6. Protect the dignity of your people  Never embarrass anyone, not in meetings, not in  emails. Praise in public, reprimand in private.   7. Learn people’s stories  When people feel understood, they feel safe.  Safe people perform better. #love #loveintelligence #L...

We are living in a strange time. AI is everywhere. Skills are being replaced faster than we can learn them.  People feel stressed, insecure, disconnected.  Companies want performance, and employees want meaning.  The world is more advanced than ever, yet emotionally emptier than ever. But here is the good news: AI can imitate your intelligence, but AI can never imitate your love. Your humanity is your advantage. Your sincerity is your strength. Your ability to connect is your competitive edge. In the 9th Period of Li Fire (2024–2043), truth, transparency, emotion, influence, and trust will determine who wins. This is the era where Love Intelligence becomes the new currency. 

To my late parents. My mother, who taught me the  power of persistence, and my father, whose quiet  strength and values continue to guide me every day. To  my sisters and brother, thank you for the bond.  To my three children and ex-wife. Your love, patience,  and support have been the silent force behind my  journey. No matter where life has taken us, I carry deep  gratitude for all the moments we’ve shared.  To my dearest friend and strategic business partner, Dr.  Vivian Passion Koh. Through your ripples, you awaken  my spirit and inspire me to give my best on every stage  and in every classroom. Thank you for believing in me.  Your tribute book, Man Behind the Quiet Goodness,  remains the most meaningful gift I’ve ever received.  To Brad Sugars, founder of ActionCOACH. My years  as Singapore franchisee (2001–06) laid the foundation  for everything I do today in training and coaching.   To the h...

Most people think money comes from working hard, being smart, having connections, or catching opportunities. But after working 39 years in finance, management, speaking, training, coaching and consulting leaders and people from all walks of life, I discovered this simple truth: Money follows value, Value follows trust, Trust follows love. This is the real formula of wealth in the modern world, yet it is the one most people ignore. You can be talented but not trusted. You can be educated but not valued. You can be hardworking but underpaid. You can be skilled but easily replaced. But if people trust you, they buy from you, they promote you, they follow you, they refer you. And trust does not come from intelligence. It comes from love. Love is the highest form of intelligence because love creates connection, and connection creates wealth. #love #LQ #loveintelligence

Podcast Script featuring AndyTheCoach 🎧 INTRO  “Hi everyone, I’m Andy Ng — also known as AndyTheCoach. For the past 26 years as a full-time trainer and coach, my mission has been to transform lives with a unique blend of Chinese wisdom and something even more powerful — Love Intelligence (LQ) . Not romantic love, but the intelligent love that creates results, relationships, and resilience in life and business.” 1. ORIGIN STORY “I didn’t start in training. I began in finance — KPMG, Deloitte, DBS Vickers, and finally Director of Finance & HR at Allied Telesis International. It was meaningful, but there was always a deeper calling. In 2001, I took the leap to become a full-time trainer coach. Along the way, I discovered something bigger than strategy, skills, or knowledge: Love Intelligence . It became clear: people don’t transform because of techniques. They transform because of energy, purpose, and love. Everything I teach today flows from that foundation.” 2. MYTH & MI...

Love Intelligence (LQ) Breakdown — Losing the Heart Connection “Love is not manipulation; love is understanding.” 💔 1. Love Replaced by Greed The brand energy shifted from purposeful love (serving users) to possessive love (controlling narrative and market). The recent car crash that killed the passenger because the doors cannot be opened manually has raised alarms that Xiao Mi is not concerned about safety.  💔 2. No Empathy for Customers Early Xiaomi succeeded by listening to fans ; now, decisions are made top-down, driven by marketing ego instead of user emotion. 💔 3. Transactional Communication Instead of gratitude and humility, communication became self-glorifying. When love turns self-centered, resonance dies. 💡 LQ Lesson Love that seeks to take will eventually be taken from. Real brand power is love given — care, trust, and sincerity.

How Xiaomi and Lei Jun Lost the Way — A Strategic & Moral Analysis 1️⃣ Art of War Violation #1 — “Use Deception Wisely, Not Recklessly” “All warfare is based on deception.” — Sun Tzu, Ch. 1 ⚠ The Mistake Xiaomi used deceptive advertising to create the illusion that its new high-end phones were superior to Apple’s, employing manipulative comparisons and staged benchmarks. 💣 What Went Wrong Sun Tzu never meant deception without ethics. He meant strategic perception management, creating temporary uncertainty for the enemy, not betraying the trust of your people. Once deception targets your own customers, you lose Dao (道) — the moral foundation of command. Without Dao, soldiers (or consumers) no longer believe in the leader. 🧭 The Lesson “The skillful general wins the allegiance of his troops before battle begins.” When trust collapses, no marketing “weapon” can save you. Real strategy builds invisible trust, not visible tricks. 2️⃣ Art of War Violation #2 — “Pride Before Preparation...

The Secret Behind The Secret People talk about The Law of Attraction. They say, “Whatever you think about, you bring about.” But that’s only half the truth. The real secret behind the secret is love . Not love for love’s sake. But love in an intelligent way — love that creates value, builds trust, and generates profits for you and for others. When you love what you do, you attract the right people. When you love the people you serve, they respond with loyalty, referrals, and opportunities. When you love yourself enough to keep growing, you stop competing and start creating. Love is the energy that turns intention into attraction, and attraction into achievement. That’s what I call Love Intelligence — the new currency of wealth in business, leadership, and life.

Why Tough Love Matters More Than Ever We live in an age where AI can write, speak, and even fake emotions. People are surrounded by synthetic praise, shallow likes, and instant gratification. They mistake attention for affection, and algorithmic empathy for real connection. That’s why what the world truly needs now is tough love — love that tells the truth, love that demands growth, love that corrects when needed, not just comforts. What Tough Love Means (Through the Lens of Art of War and LQ) 1. Love with Discipline Sun Tzu said, “If orders are not clear and soldiers disobey, the fault lies with the commander.” A true leader loves enough to be clear, consistent, and firm. Tough love creates clarity. Weak love creates confusion. 2. Love with Courage Real love dares to confront — not to win arguments, but to awaken wisdom. When a leader corrects, not condemns, that’s love in motion. 3. Love with Vision AI may process data, but it cannot hold a vision. Love with vision sets direction, ev...

Einstein’s Mother and the Power of Belief When Albert Einstein was a young boy, his teachers said he was slow . He couldn’t speak properly until the age of four. He struggled in school, often sitting quietly at the back, lost in his thoughts. One teacher even told his mother, Paulina , “Your son will never amount to anything.” Most parents would have been crushed by those words. But not Paulina. She looked at her son — those gentle eyes, that curious gaze — and she said, “ Albert, you are different, not less. ” She never compared him to others. She believed in his inner light when no one else could see it. Every night, she would play the violin, and young Albert would close his eyes, letting the music fill his soul. That was how she kept his spirit alive — with love, patience, and faith. And in that quiet, unseen space… his SuperME was growing. SuperME: Believing in the Invisible Einstein’s SuperME was his soul of curiosity — his inner voice that told him to wonder,...

How Mixue and  Chagee Each Used Yijing in Their Own Way People often ask me why both Mixue and Chagee can grow so fast, yet their styles are completely different. The truth is, both brands follow the principles of Yijing , but they apply them in two very different ways. When you understand this, you see why they both succeed without needing to fight each other. Everything begins with Oneness . Mixue positions itself as part of everyday life, almost like the air people breathe. Affordable, accessible, always there. Chagee, on the other hand, positions itself as part of a personal ritual, something people enjoy, appreciate and even show off. One becomes daily life, the other becomes lifestyle. Both are One with their audience, but in different layers of human living. Then comes Yin and Yang . Mixue represents extreme Yin: simple, cool, friendly, low price, low barrier. Chagee represents rising Yang: premium, warm, beautiful, expressive. Yin attracts the masses, Yang attracts tho...

How Chagee Used Yijing to Beat Starbucks Many people wonder how a young Asian brand like Chagee could rise so fast and become a serious challenger to Starbucks , the world’s coffee giant. The answer lies in the wisdom of Yijing , the study of change. First, Chagee understands Oneness . While Starbucks sees itself as a coffee company, Chagee sees itself as part of people’s lifestyle and emotional space. It unites the old and new, East and West, tea and trend. This sense of Oneness allows it to move with the times yet stay rooted in its essence. Second, Chagee mastered Yin and Yang . Where Starbucks represents strong, masculine, and global energy, Chagee brings soft, feminine, and local energy. Yin does not fight Yang. Instead, it balances and complements it. When coffee culture became too heavy and serious, Chagee came in with lightness, beauty, and flow. That is Yin winning through harmony. Third, Chagee moves with the Ba Gua , or the eight trigrams of life. Each outlet reflects a...