Business and Money Tips

People open their hearts first before they open their wallets People open their minds first before they open their hearts Most people fail because they try to: sell to the wallet persuade the heart without first opening the mind That creates resistance. What makes people open their minds? People open their minds when inner resistance drops. Resistance drops when people feel: safe respected understood not threatened not manipulated In short: The mind opens when fear closes. Fear is not always obvious. It hides as: skepticism, distraction, impatience, silence “I’ll think about it” “Send me more info” Opening the mind is about removing fear, not adding arguments. This is where Love Intelligence (LQ) meets perfectly. When people feel cared for, fear drops. When fear drops, the mind opens.  They have courage and build connections with you.  When people feel connected, they want to understand. Mind opens → heart opens → action follows This is why:  Pressure closes minds Logic a...

How Hainan’s Customs Opening Will Affect Our Livelihood from 2026 — and Why Love Intelligence (LQ) Matters From 19 Dec 2025 onwards, the full opening of Hainan’s Customs regime will quietly but profoundly reshape how people work, compete, and earn a living across Asia — including Singapore. Hainan is no longer just a tourist island.  With its Free Trade Port status fully operational, it will become a low-tax, low-barrier, high-speed economic zone attracting capital, talent, brands, and digital businesses.   Income tax is capped at 15%, so is corporate tax.  Goods entering Hainan is tax-free, and if they are re-exported into China, there is no tax as long as the value-add is 30% of more.  Goods, services, data, and money will move faster and cheaper. Competition will intensify, not only between companies, but between people. For many professionals, this means one uncomfortable reality: 1. Skills that relied on protection, location, or credentials alone will lose ...

How Yijing Made Me Rich Learning Yijing has been a transformative journey for many, including myself. This ancient Chinese divination text, dating back more than three millennia, is not just a tool for predicting the future; it's a comprehensive guide to understanding the complexities of life and making wise decisions. My experience with Yijing has been nothing short of remarkable, leading to not only personal enrichment but also considerable financial success. Understanding Yijing Yijing is based on the concept of the dynamic balance of opposites, a fundamental principle in Chinese philosophy. It uses a system of 64 hexagrams, each consisting of six lines that are either broken or unbroken. These hexagrams represent various situations and outcomes in life. Beginning the Journey My journey began with curiosity, back in 1988. I was intrigued by how ancient wisdom could be applicable in modern times. I started by studying the basic principles and interpretations of the hexagrams. Thi...

What Courses Employers Are Actively Looking For (2026) Here’s the real demand list, not marketing noise: Top Tier Demand Leadership in Uncertainty Strategic Thinking & Decision-Making Influence Without Authority Conflict Management & Stakeholder Alignment Ethical Leadership & Moral Courage Strong Emerging Demand Human Skills in the AI Era Emotional Regulation for Leaders Cross-Agency Collaboration Psychological Safety with Accountability Quiet but Growing Demand Love Intelligence (reframed as trust, courage, connection) Purpose-driven leadership without ideology Ancient wisdom translated into modern decision tools

Why Chagee, Mixue, and Luckin Coffee Expand in Singapore When others retreat, they advance — and this is not luck At first glance, it looks irrational. Singapore’s F&B scene in 2025 is brutal: rentals up manpower tight margins thin many respected brands exiting Yet Chagee, Mixue, and Luckin Coffee are expanding. From Love Intelligence (LQ) and Sun Tzu’s Art of War, this makes perfect sense. PART 1 — LOVE INTELLIGENCE (LQ): They Win the Hearts Before the Wallets 1. They practice Care — not premium ego Many exiting brands failed because they priced for status, not care. These three brands understand a deep Singapore truth: In tough times, people don’t want luxury — they want reliable comfort. Mixue: ultra-affordable, emotionally comforting, “no thinking required” pricing Luckin: convenience + consistency + digital ease Chagee: emotional connection to Chinese tea culture, calm, quality, and ritual This is LQ Care: care for daily affordability care for emotional reassurance care for re...

“Why are you so different from me?” This is what most people feel the moment they meet someone who doesn’t think, act, or behave like them. I am careful. The other person is careless. I plan. They improvise. And immediately, the mind wants to judge. But this is exactly where Love Intelligence begins. Care comes first. Care means we don’t rush to label the difference as right or wrong. We become curious instead of critical. We care enough to ask, “What shaped this person to be this way?” Courage comes next. It takes courage to accept that people do not need to be like us to be valuable. Difference does not threaten us — insecurity does. When we are strong inside, we can allow others to be who they are. Then comes Connection. Connection does not mean agreement. It means alignment at a deeper level. Two very different people can still be connected if they: Share a common goal Hold similar values Want the same outcome, even if they walk different paths When we focus only on differences, se...

“Chemistry of minds” is often misunderstood. People think it’s luck, personality, or instant attraction. It’s not. Chemistry of minds is alignment of inner states. And this is exactly where Love Intelligence (LQ) operates. Love Intelligence doesn’t try to create chemistry. It removes the blocks that prevent it. What Chemistry of Minds Really Is When two minds meet and something just flows, three things are happening: They feel safe They feel seen They feel respected That is not chemistry by chance. That is Care, Courage, and Connection in action. How Love Intelligence Creates Chemistry of Minds 1. Care — Lowers Psychological Defences Chemistry cannot exist when people are busy protecting themselves. Care communicates: “I’m not here to judge you.” “I’m not here to win.” “I’m here to understand.” When people feel emotionally safe, their mind opens. Ideas flow. Listening deepens. Trust forms. Care is the chemical catalyst. 2. Courage — Allows Authentic Thinking Most conversations are fake...

1. Sun Tzu: “Treat your soldiers as your children; they will follow you into the deepest valleys.”  2. Confucius: “To love people is to wish them to live.”  3. Laozi: “The soft overcomes the hard. The gentle conquers the strong.”  4. Lee Kuan Yew: “I do not chase popularity. I do what is right for Singapore.”  5. Nelson Mandela: “Love comes more naturally to the human heart than its opposite.”  6. Satya Nadella (Microsoft): “Empathy makes you a better innovator.”  7. Jensen Huang (Nvidia): “We build what we love to use.”  8. Elon Musk (Tesla): “When something is important enough, you do it even if the odds are not in your favor.”  9. Viktor Frankl: “The salvation of man is through love and in love.”  10. Yijing: “When our inner state is upright, our outer world aligns.”  11. Andy Ng: “Money follows value, value follows trust, and trust follows love.”  12. Zhuge Liang: “Win the hearts of the people, and the nation will naturally foll...

LEADERSHIP REFLECTION EXERCISE  “Where Am I Leading With the Wrong Love?  Take a quiet moment and reflect honestly.  Ask yourself:  1. Do I love results more than people?  2. Have I rushed decisions due to fear or ego?  3. Where have I sacrificed quality for speed?  4. Have I stopped listening to those I lead or  serve?  5. Do my people feel valued, or just used?  6. Do my decisions create long-term trust or short  term relief?  7. What would shift if I led with love today?  8. What is one thing I can do immediately to  restore love in my leadership?  Take 5 minutes. Write your answers.  Then choose one action you will take in the next  24 hours.  Leaders who build with love create wealth that  lasts.  Leaders who lead with fear create problems that  return. 

Many people don’t fail because they lack ability or opportunity. They fail because of self-sabotage. Notice this pattern: When things start going well, they pull back. Opportunities appear, they find excuses. Someone offers help or coaching, they retreat. Money increases, they unconsciously waste it away. This isn’t laziness. It’s an identity problem. Success feels unfamiliar, so the old self tries to regain control. This is where Love Intelligence (LQ) changes everything. 1. Care Stop attacking yourself for feeling hesitant. Nothing is wrong with you. You’re just entering new territory. 2. Courage Give yourself permission to succeed. Most people don’t fear failure — they fear outgrowing who they used to be. 3. Connection Reconnect with your future self. Ask: If I truly loved my future self, what would I do today? Money sabotage is the clearest signal. When money exceeds self-worth, people rush decisions, bad investments, and overspending. Pause. Let your identity catch up before actin...

Self-sabotage is not stupidity. It is not laziness. It is not lack of opportunity. Self-sabotage is a lack of Love Intelligence. People don’t destroy success when things are bad. They destroy it when things start going well. Why? Because success threatens their old identity. The Root of Self-Sabotage People don’t fail because they can’t succeed. They fail because success feels unfamiliar, unsafe, and undeserved. So when: An opportunity appears, they find excuses A mentor offers help, they retreat Money increases, they unconsciously get rid of it Things flow, they create drama They are not rejecting success. They are protecting their old self-image. Love Intelligence allows us to end this pattern permanently — not by force, but by inner realignment. Step 1: Care — Stop Attacking Yourself Self-sabotage always begins with self-rejection. People say things like: “I’m not ready yet” “I don’t think I can handle this” “Maybe later” “This feels too risky” These are not logical thoughts. They a...

Not IQ, Not EQ, But LQ Most people think success comes from IQ. Some say EQ is the game changer. But if IQ were enough, every top student would become a top leader. If EQ were enough, every empathetic person would rise to the C-suite. But look around this room. We all know brilliant people… struggling. We all know caring people… still stuck. So the real question is: What is the missing intelligence that creates influence, trust, loyalty, and breakthrough results? I discovered it the hard way — after 39 years of working training over tens of thousands of people, through wins, losses, and heartbreaks. And today, I want to propose something bold: The intelligence that will define the next decade is not IQ or EQ — but LQ: Love Intelligence. Years ago, I was coaching the Vitagen sales team that had all the tools, scripts, motivation… But results were flat. The best salesperson wasn’t the smartest. She wasn’t the most charismatic. She was Soft-spoken. Not the typical “sales warrio...

Not looking for faults — especially in the teacher — is a form of love. This is not blind obedience. This is maturity. Because when we are truly learning, our mind is focused on the teaching, not the teacher. When we fixate on a teacher’s flaws, we close the very door through which wisdom wants to enter. But when we choose to see the essence rather than the imperfections, we elevate ourselves. This is Love Intelligence in action. Care Care means honouring the value before judging the vessel. Every teacher is human — with biases, stories, and limitations. Yet the teaching can still be powerful, life-changing, and exactly what we need at that moment. Courage Courage is the willingness to learn even when the teacher does not match our expectations. It is the courage to say, “Let me rise above personality and receive the wisdom that can transform my life.” Connection Connection means connecting to the truth, not the storyteller. It is aligning with the message, not the messenger. This is h...

THE ART OF WINNING WITH LOVE: How to Sell Smarter, Lead Stronger, and Achieve Breakthrough Results Good afternoon everyone! I’m so happy to see this room filled with energy, love, and purpose. Before we begin, I’d like you to look around — look at the people beside you. These are not just fellow distributors. These are your partners in love, health, and destiny. Let’s give them a big smile and say, “We’re here to win with love!” Pause. My name is Andy Ng. For over 25 years, I’ve been helping leaders, teams, and professionals unlock performance using ancient Chinese wisdom — especially Sun Tzu’s Art of War — and modern human intelligence, which I call Love Intelligence, or LQ. Today, in 45 minutes, you’ll walk away with three big breakthroughs: 1. How to use LQ — Care, Courage, Connection — to influence people and build trust faster. 2. How to apply Sun Tzu’s strategy to business growth and leadership. 3. How to combine heart and strategy so you can win without stress, without cha...

Currently, we have 1 half-day Zoom and three 1-day training programs focused on LQ Leadership, LQ Service and LQ Influence and Sales.  1. The Love Intelligence Manager: Leading with Care and Clarity   Lead with Heart. Decide with Clarity. Inspire with Confidence. https://www.ccisg.com/?page=course_catalog&id=1873 Dates: Feb 11 Wed and May 13 Wed 2. Love Intelligence in Service: How Heart-Led Care Builds Trust and Loyalty  Serve with Heart. Stand Out with Love. Win Loyalty for Life https://www.ccisg.com/?page=course_catalog&id=1874 Dates: Jun 17 Wed and Mar 2 Mon 3. Influence with Love Intelligence: Inspiring Action Without Pressure    Influence Gently. Inspire Deeply. Win Without Pushing https://www.ccisg.com/?page=course_catalog&id=1875 Dates: Jul 13 Mon and Mar 24 Tue  4. Love Intelligence Success in the AI Era   Be the Human AI Cannot Replace https://asiatrainers.org/lq-ai Dec 22 Monday 9.30 am to 12 noon  Online at Zoom, ...

Before AI, humans spend so much time on tasks that now seems silly, because AI can do them in just a split of a second.  What we consider valuable are now worthless, especially tasks like: - analysing - projections, budgeting, scenario planning - linking ideas, sorting our ideas, generating ideas - designing, creating videos - writing articles like this Now with the time spared, humans can do real human work, including: - doing nothing, for this will inspire creative ideas - connecting hearts - dancing, singing, to our hearts' contents - strategy discussions with all kinds of people I am happy with this change, what about You? 

Love Fights Waste and Builds Prosperity Love is the opposite of waste. People who love use resources more wisely, take care of what they have, reduce emotional spending, invest in what brings real value, protect assets, and think long-term. This is why love naturally increases wealth. Case Example: “Service from the Heart”, a Restaurant Story In our training for a F&B chain, we told staff: “Love every plate that leaves your kitchen.” After that, the staff took more pride in presentation, fewer dishes were sent back, complaints dropped, customers returned and daily revenue rose. Love reduced operational waste and increased profit. Real money from real care.

“The Art of Loving” by Erich Fromm (Japan) In his classic work The Art of Loving , Erich Fromm reminded the world that love is not a feeling you wait for, but a discipline you practise. Love is a skill that must be trained, strengthened, and applied with intention . When people learn to love with maturity, through care, responsibility, respect, and understanding, they unlock a way of living that is wiser, calmer, and far more powerful. Fromm’s message: love is mastery. Mastery creates value. Modern Application: Should you marry the woman you love or love the woman you marry?  Most prefer the first. But lasting happiness comes from the second. It is easy to love before commitment; it is maturity to keep loving . Love is a practice. When you practise love, everything grows: your relationship, your career, and your life. Extracted from Love Intelligence book at https://asiatrainers.org/lqbook

In today’s world, AI can write reports, analyse data, create strategies… even “think” for us. But there is one thing AI cannot do — build trust, loyalty, courage, and human connection. That is why the leaders who will rise in 2026 and beyond are not the ones who know the most AI tools… but the ones who know how to use Love Intelligence (LQ). LQ is not about romance. It is about leadership, courage, trust-building, and human power — the one currency that becomes more valuable as AI grows stronger. On 22 Dec (Mon), 9.30 am to 1 pm, join Andy Ng for a breakthrough online workshop that will reshape how you lead, work, and succeed in the AI era. What You Will Discover in This Transformative Session 1. What is Love Intelligence (LQ)? Understand why trust is the new competitive advantage and how to build it instantly. 2. Why LQ is Now More Important Than IQ, EQ, or AQ In an AI-driven world, traditional intelligence is no longer enough. LQ is the new differentiator. 3. The 3Cs: Care, Courage, ...