Business and Money Tips

Life is a journey of experience. It was never meant to be judged only by outcomes, but understood through what it shapes within us. In my life, there has been no failure. Because I am either successful, or I am growing. Every step moves me forward, even when it feels uncertain. In my life, I have no enemies. Those who challenged me, hurt me, or stood in my way have all become my teachers. They revealed my blind spots, strengthened my heart, and refined my character. I either gain something, or I learn something. Nothing is wasted. Every encounter leaves behind wisdom, clarity, or courage. In my life, there are no roads walked in vain. When things go well, I celebrate with gratitude. When things do not, I remember the lesson and carry it forward. Both moments matter. Both shape who I am becoming. Therefore, I allow everything to happen. Not because everything is pleasant, but because everything has meaning. I trust that whatever arises will, in the end, serve my growth and quietly move ...

Most people don’t close deals during public holidays. Top performers prepare to dominate after them. That’s why I’m running Sun Tzu Sales Secrets one last time this year — before 2025 begins. ⚔️ SUN TZU SALES SECRETS How to Win More Sales Without Pressure, Discounts, or Chasing 🗓 Date: Tuesday, 30 Dec 🕘 Time: 9.15 am – 12.30 pm 📍 Venue: 269 Waterloo St #01-241, S180269 💻 Zoom option available 💰 Special Fee: $49 only (usual $149) ⏳ Only 7 seats left 👉 Secure your seat now: https://asiatrainers.org/szs 🔥 What You’ll Learn (Content People Pay Thousands For) This is not theory. This is battle-tested sales strategy: 1. Sun Tzu’s 5 Elements to Win in Sales: positioning before persuasion 2. 7 Considerations of a Sales Leader: why deals are lost before meetings begin 3. Art of War’s 4 Levels of Strategy: sell without fighting price wars 4. Art of Deception in Price Negotiation: protect margin without confrontation 5. How to Close Every Sale Strategically: timing, terrain, and psychology...

Most people still argue using reason . But if you observe real experts, those who lead well, influence without force, and create long-term results, they’ve already moved beyond arguments. Because reason alone only convinces the mind . Care opens the heart. Courage moves action. Connection sustains results. That is why real experts no longer waste energy arguing. They practise Love Intelligence . In leadership, service, sales, and even strategy, outcomes don’t change because you are more logical. Outcomes change because people feel cared for, trust your courage, and stay connected to purpose. As we enter a new season and a new year, this is the real upgrade, not more intelligence, but better intelligence . Love Intelligence (LQ): Care · Courage · Connection — Andy Ng Author of Love Intelligence & Yijing Explained

The Knowing–Doing Gap: Why Good Intentions Don’t Create Good Results As the year draws to a close, many of us are busy reflecting, planning, and setting resolutions. We know what we should do. Exercise more Lead better Care more Act with courage. And yet, when the new year arrives, life often looks the same. This is the Knowing–Doing Gap . In Love Intelligence , I wrote: “Knowing is comfortable. Doing is costly. Growth happens only when we are willing to pay the price of action.” The gap between knowing and doing is not caused by a lack of intelligence. It is caused by a lack of Love Intelligence (LQ) . We fail to act because: We don’t care enough about the outcome We lack the courage to be uncomfortable We feel disconnected from purpose That’s why LQ is built on Care, Courage, and Connection . Care moves the heart. Courage moves the feet. Connection sustains the journey. Festive seasons are powerful moments. They remind us of what truly matters. But without action, reflection becomes...

In Yijing, human vitality and effectiveness are described through 精 (Jing), 气 (Qi), and 神 (Shen). A person with high Love Intelligence (LQ) naturally cultivates all three, not mystically, but practically, in daily work and life. 1. 精 · Jing — Inner Essence (Stability & Grounded Strength) Jing is your inner reserve: discipline, integrity, and steadiness. A high-LQ person: Acts with care, not impulse Does not waste energy on blame, politics, or ego battles Keeps promises and boundaries, conserving inner strength This creates trust. People feel safe around you. Your energy is stable, not scattered. 👉 High LQ preserves Jing by choosing what not to fight. 2. 气 · Qi — Life Force (Momentum & Influence) Qi is the energy that moves people, teams, and outcomes. A high-LQ person: Uses courage to address issues early, before they rot Speaks with clarity, not aggression Creates emotional momentum instead of resistance People cooperate not because they must—but because they want to. 👉 High...

In Yijing and Chinese wisdom, 精 · 气 · 神 are not abstract ideas — they describe why some people feel alive, grounded, and powerful, while others feel drained even when they are successful. Let me explain this gently and clearly, in a way that fits SuperME. 1. 精 · Jing — The Foundation (Essence) Jing is your root energy. It comes from your body, your habits, your values, and how you treat yourself. A Small Me leaks Jing: Saying yes when the heart says no Living according to roles, expectations, and fear Constant self-doubt and self-betrayal A SuperME protects Jing: You stop living to please You stop over-explaining who you are You choose alignment over approval SuperME understands this truth: Every time I betray myself, I lose Jing. Every time I honour myself, Jing is preserved. That’s why SuperME feels grounded, not scattered. 2. 气 · Qi — The Movement (Life Force) Qi is not about being busy. It is about energy that moves smoothly. Many people have knowledge, skills, even strategy — but ...

After living for 62 years, I’ve come to a simple conclusion about success. People argue about what makes someone successful. Some say it’s luck. Some say it’s making the right choices. Others say it’s timing, connections, or now AI. All of these matter. But none of them are consistent. The only factor I’ve seen appear again and again, across people, industries, and generations, is this: Doing what is not comfortable. Yes, you must understand the flow. Yes, you must read the environment. But when it comes to execution, success always demands one thing： the willingness to push through discomfort. Getting out of the comfort zone. Doing what is not easy. Having the courage to act when it would be simpler to stay still. That is exactly how Love Intelligence came into being. And later, its Chinese edition, 《爱的智慧》. Writing them was not comfortable. Putting “love” into leadership, business, and success was not fashionable. But I pushed through because I believed deeply in the message. The sam...

How Sheng Siong’s Care for Employees Creates Consistent Profits — and How Love Intelligence Can Take It Further In a retail environment where margins are thin, manpower is tight, and customer expectations keep rising, Sheng Siong stands out for one simple reason: it takes care of its people first. This is not charity. This is strategy. 1. Care Creates Stability — and Stability Creates Profit Sheng Siong is known in Singapore for: long-serving employees relatively low staff turnover calm, disciplined store operations consistent service standards These are not accidents. When employees feel cared for: absenteeism drops errors reduce service becomes natural, not forced productivity stabilises In supermarkets, where execution happens daily at ground level, stability is profit. Every experienced cashier, stock handler, or supervisor saves training cost, reduces mistakes, and improves customer flow. Care lowers friction. Lower friction protects margins. 2. Care Builds Quiet Pride, Not Loud H...

What Connection Really Is — and Why It Is the Outcome of Love Intelligence In the previous two articles, we looked at Care and Courage. We saw that when you ask questions without care, your questions become stupid — not because of the words, but because people feel you are not truly interested. We also saw that courage without care often backfires. You may be honest, but people ignore you because the truth was delivered without safety. Now let’s look at the third C — Connection. Many people misunderstand connection. They think connection is about: how long they’ve known someone whether they worked together before family ties or blood relationships shared history or common background But we all know this is not true. You can be related by blood and still feel distant. You can work with someone for years and still feel disconnected. You can meet someone once and feel deeply understood. This tells us one thing: Connection has nothing to do with status, history, or proximity. What Connecti...

What Is Real Courage — and Why Courage Without Love Intelligence Breaks Relationships In the previous article , we examined what CARE truly means in Love Intelligence. We saw that when questions are asked without care, they become stupid questions, not because of the words, but because of the intention behind them. People feel it immediately, and they respond by ignoring you. Today, let’s talk about COURAGE. Many people misunderstand courage. They think courage means: speaking bluntly being brutally honest saying whatever is on their mind “telling it like it is” pushing through resistance That is not courage. That is ego disguised as bravery. Real courage is not loud. Real courage is anchored. Why Courage Without Love Intelligence Is Dangerous Courage without Love Intelligence often destroys relationships because it lacks care and awareness. You may be telling the truth, but: you ignore timing you ignore emotional readiness you ignore context you ignore the other person’s state And whe...

Why People Hate “Stupid Questions” — and What Love Intelligence Really Means People don’t hate questions. They hate thoughtless questions. A question becomes “stupid” not because of the words, but because of the intention behind it. One kind of stupid question is when you ask purely for confirmation — not to understand, not to explore, but simply to validate yourself. The other kind is when you ask without any consideration for the other person. For example, asking, “How’s your day?” or “How’s your job?” may sound caring on the surface. But people can feel your tone, timing, and intention immediately.  Are you genuinely interested, or are you just filling silence?  Are you present, or are you ticking a social box? Care is not about the question. Care is about whether the other person feels seen. This is why many people feel uncomfortable with “caring” questions. They mistake care for intimacy, or worse, intrusion. But the truth is simpler and deeper: Without care, there is not...

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...