Business and Money Tips

2026 Is Not About Working Harder. It’s About Love Intelligence I didn’t write Love Intelligence when life was easy. I wrote it after watching capable people sabotage opportunities, Leaders burn out just as success arrived, and good people lose money not from lack of skill — but from poor inner alignment. Then something changed. When people learnt to lead with Care, act with Courage, and build real Connection, clarity returned. Decisions improved. Relationships stabilised. Wealth stopped leaking away. That is Love Intelligence at work. The book was quietly released on Amazon. Without marketing, it has already been bought by readers from Africa, Canada, the USA, India, and Australia, mostly as ebooks. On 1 January 2026, Love Intelligence is officially launched in Singapore. This is not a book about romance. It is about: stopping self-sabotage making success safe turning pressure into clarity and creating wealth that doesn’t destroy relationships or health Launch Special (1 day only) $34....

How Yijing Helps Us Navigate Change in the Modern World 1. Oneness: Seeing the Whole, Not Just the Parts Yijing begins with Oneness. AI, the economy, and human values are not separate problems. They are expressions of the same larger movement of civilisation. Most people panic because they look at change in isolation. They see AI as a threat, the economy as unstable, and people as unpredictable. Yijing trains us to see the whole system. When technology changes, work changes. When work changes, values change. When values change, business models change. Once you see Oneness, fear reduces. You stop reacting to symptoms and start responding to the direction of change. 2. Yin and Yang: Understanding Why Extremes Always Reverse AI represents strong Yang energy. Speed, automation, efficiency, scale. The economy swings between expansion and contraction. Human values swing between freedom and security. Yijing teaches that Yin and Yang always transform into each other. When Yang becomes excessiv...

Why Yijing Is Not a Religion Many people assume that Yijing is a religion because it is ancient, Chinese, and often associated with divination. This is a misunderstanding. Yijing is not a religion. It has no god to worship, no doctrine to obey, and no belief system that demands faith. Yijing is a system for understanding change. At its core, Yijing begins with Oneness. Everything comes from the same source and returns to it. This is not a religious idea. It is an observation of reality. Nature, business, relationships, health, and emotions all follow the same principle. Yijing simply describes how life moves as one integrated whole. Then comes Yin and Yang . Yin and Yang are not deities or spiritual forces to pray to. They are patterns of contrast and awareness. Day and night. Expansion and contraction. Action and rest. Every modern system, from physics to psychology, works on this principle. Yijing recognised this thousands of years ago. The Ba Gua, or Eight Trigrams , are not relig...

Why Love Intelligence Will Be the Must-Read Book of 2026 2026 will not be about learning faster. It will be about staying human . AI will optimise tasks. Systems will accelerate decisions. But what will quietly break organisations, families, and leaders is the inability to handle people, pressure, and ourselves. That’s why Love Intelligence matters now. I didn’t write this book from theory. I wrote it after 39+ years in the corporate world , 29+ years in training, coaching, and education , watching capable people sabotage themselves, leaders burn out, teams fall apart, and relationships fail, not from lack of skill, but from lack of Care, Courage, and Connection . I’ve been the finance director, the trainer, the coach, the author. I’ve seen success up close — and emptiness behind it. And I realised this: IQ gets you hired. EQ helps you cope. But Love Intelligence determines whether success lasts . This book is not about romance. It is about: making success sa...

People say nowadays everyone writes using AI, and everyone sounds so perfect, and no one is real and authentic. Some people now resort to writing with grammar mistakes and Singlish to avoid being labelled as AI written. The truth is, AI is just reflecting the user's patterns and data. When the user uses AI regularly and instructs AI to write in their human and 'imperfect' tone and language, no one can tell that AI is writing for the person. Authenticity isn’t about avoiding AI or adding intentional errors.  It’s about showing up as yourself. AI is just a tool: like a camera, a brush, or a pen. What matters is who’s holding it and how it’s used. When you: Use your own stories Share personal experiences Inject your quirks, tone, and even pauses Guide AI with clear intent and emotion …the result feels unmistakably you. Not AI. People can tell when something is written with heart, just as they can sense when it’s empty or polished to the point of being fake.  So instead of worr...

We were halfway through a session on Leadership with Sun Tzu Art of War. The room was quiet.  Not the polite kind of quiet—but the kind where people were actually thinking. One of the participants raised his hand. He was a Director in the public service, late 50s. Calm. Sharp. Not the type who asked theoretical questions. He said,  “Andy, I’ve read Napoleon Hill. Rendering service without expecting reward. Cause and effect. Definite aim. Auto-suggestion. Acting as if success is already achieved.” He paused.  “Are these ideas Western… or were they already known in Chinese wisdom?” I smiled. Because this question always comes when the room is ready. Same Laws, Different Language I told him,  “Napoleon Hill didn’t invent those laws.   He observed them.” Then I pointed to the Yijing diagram on the screen. “The Chinese didn’t write success books.  They studied nature.” Sun Tzu, Yijing, Daoist thinking—none of them asked, ‘How do I win?’ They asked,  ‘W...

Napoleon Hill systematized success principles for the modern mind. Yijing encoded the same principles as laws of nature, not motivation. Hill teaches how to succeed. Yijing teaches why success must happen when alignment is right. 1. Rendering Useful Service — Without Expecting Reward Napoleon Hill: Render useful service daily, expecting no reward. Yijing Parallel: This is the core teaching of Hexagram 11 (Tai – Peace) and Hexagram 19 (Lin – Approach). In Yijing: When Yang gives without grasping, Yin responds naturally. Service creates flow, not obligation. Reward comes as timing, not transaction. In Yijing, helping others is not morality. It is energetic leverage. 2. Laws of Nature: Cause & Effect, Seed & Fruit, Means & End Napoleon Hill:  Nature never violates cause and effect. Yijing:  This is the foundation of the entire book. Every hexagram shows: Cause (inner condition) Process (movement) Effect (outcome) Timing (when fruit appears) Yijing does not ask “Will i...

Personality tests like MBTI, DISC, and “introvert–extrovert” look useful on the surface. They give names, structure, and quick explanations. But after 39+ years of professional experience, including 29 years in training and coaching, I’ve reached a different conclusion: Labels don’t help us understand people. They stop us from understanding them. Human beings are situational, not fixed. An introvert can be quiet in meetings,and fiercely outspoken when defending their family. A so-called “careless” person can be highly disciplined, when something truly matters. Labels create comfort, but they kill curiosity. How Labels Limit Us at Work and at Home In the workplace, labels become shortcuts: “Don’t ask him to present — he’s an introvert.” “She’s aggressive — that’s just her DISC profile.” Expectations shrink, and people shrink with them. At home, labels quietly damage relationships: “He’s emotionally unavailable.” “She’s too sensitive.” Once labelled, growth stops. A Better Way to Und...

A few years ago, there was a project manager I coached. Brilliant guy, technically perfect. He used every tool: AI, data, dashboards, automation, yet his team was falling apart. Deadlines slipped, people avoided him, tension filled the room. One day he said to me, “Andy, I don’t understand. I have all the skills. Why is nothing working?” I asked him one question: “When was the last time you showed someone you cared?” He went quiet. The next week, he tried something simple. He asked a stressed teammate, “Are you alright? How can I support you?” He apologised to another for being harsh. He thanked a third person for staying late. Within a month, the team performed better than ever. The same tools. The same AI. The same systems. The only difference was love: the courage to care, the courage to connect. And I told the young engineers that day: “You can let AI think for you. But only you can make people feel safe, valued, and inspired.” That is Love Intelligence. Not soft. Not romantic. It ...

What you see in the image are human meta-skills, not technical features. AI can support every one of them, sometimes brilliantly, but it cannot replace the human essence behind them. Here’s the honest view: 1. Creative thinking & experimental thinking Gemini 3 and ChatGPT 5.2 can generate ideas, remix concepts, propose experiments, and spark creativity. But the original spark, the taste, the intuition, the emotional truth — that still comes from you. 2. Analytical thinking & engineering thinking Both models are extremely strong at breaking down problems, building logical chains, troubleshooting, and simulating engineering scenarios. Still, without human judgement and real-world context, AI can make “confident mistakes”. 3. AI/Data literacy They can teach AI and data literacy, explain concepts instantly, and help you practise. But true literacy means you can question, interpret, and challenge AI outputs — that part is human. 4. Ethics & governance in AI/Tech AI can explain f...

Love Intelligence and the 5 Love Languages: When Love Is Not Just Felt — But Applied Wisely Many leaders admire The 5 Love Languages because it gave language to something people felt but could not explain: love is not one-size-fits-all. Some people feel loved through words.   Others through time.  Others through action, gifts, or touch. What Dr. Gary Chapman did brilliantly was this: he showed that misunderstood love creates distance, even when intentions are good. Love Intelligence (LQ) does not replace the 5 Love Languages. It activates them intelligently, especially in complex environments like leadership, sales, and modern families. Because knowing the language is one thing. Knowing when, how, and why to speak it is another. That is where Love Intelligence comes in. The Missing Layer: Intelligence Before Expression Many skeptics say: “I already know the 5 Love Languages. Why do I need another framework?” Here is the honest answer: People don’t fail at love because the...

When people reach the end of life, their regrets are rarely about money, status, or achievements. They are about love not lived, courage not taken, and connection not honoured. That is why the Top 5 Regrets, observed by Bronnie Ware, are in fact a lack of Love Intelligence. 1. “I wish I’d had the courage to live a life true to myself.” This regret is fundamentally a Courage issue. People live according to: expectations, fear of disapproval, and social pressure Love Intelligence trains courage that is quiet but firm: the courage to listen inwardly and live authentically. LQ in action: You regularly ask: “Is this my life — or someone else’s expectation?” People with high LQ don’t wait until old age to reclaim their life. They do it early, gently, and consistently. 2. “I wish I hadn’t worked so hard.” This is a Care failure — not for work, but for life. People overwork not because they love work, but because they neglect caring for family, relationships, health and presence Love Intellige...

At the end of life, people don’t regret lack of success. They regret the lack of love lived. Love Intelligence (LQ) prevents regret by strengthening: 1. Care To live a life true to yourself, not expectations. To prioritise people, not just performance. 2. Courage To express what matters before it’s too late. To choose authenticity over approval. 3. Connection To stay close to friends, family, and yourself. To remember that happiness is allowed. When Care, Courage, and Connection guide daily choices, there is nothing left to regret. Love Intelligence is not about feeling good. It’s about living right. Andy Ng Author of Love Intelligence & 爱的智慧

Why Love Intelligence (LQ) Belongs on Every Corporate Desk Most business books teach what to do. Very few teach how to bring out the best in people while doing it. That is where Love Intelligence (LQ) becomes indispensable. This is not a motivational book. This is not a “be nice” book. This is a practical operating system for human performance in the AI era. The Core Positioning IQ helps you analyse. EQ helps you relate. LQ helps you lead, decide, and execute through people. In modern organisations, results are no longer limited by strategy or technology. They are limited by energy, trust, courage, and connection. Love Intelligence (LQ) is the missing link that turns: • strategy into execution • teams into partners • conflict into progress • stress into clarity • change into momentum Why Corporations Need This Book Now 1. AI Has Solved Content. It Has Not Solved Humans. AI can generate reports, slides, data and decisions. It cannot generate trust, courage, or psychological safety. This...

In Love Intelligence, love is not emotion, softness, or blind kindness. It is a capability, the ability to apply Care, Courage, and Connection in the right proportion, at the right time. When love is used wrongly, devastation happens because one or more of the 3Cs is missing or distorted. Here’s how it breaks down. 1. Care without Courage → Enabling destruction This is the most common misuse of love. When we care but lack courage, we: Avoid difficult conversations Tolerate bad behaviour Protect people from consequences It feels loving, but it is not. In organisations, this creates: Toxic high performers who are never corrected Teams that lose trust in leadership A culture where standards collapse quietly In relationships, it leads to: Emotional dependency Resentment Slow erosion of self-respect Care without courage does not heal—it rots. 2. Courage without Care → Violence disguised as truth Some people pride themselves on being “direct,” “honest,” or “strong.” But when courage is not g...

I not just promote Chinese culture, I also promote Chinese pop culture.  Since June 2023, I have written 4 lyrics with music from China's top hits in 2022-23.  My purpose is to let the world know that China has many talents and their songs are good,   1. Morning My Good Friend (from 2023 袁树雄‘早安隆回’）https://youtu.be/5qkHFl6D2e4?si=P47jspK5oJuWhr9A  2. This is What Life is (from 2023 安儿陈‘曲中人’）https://vt.tiktok.com/ZSNtMabA9/ 3. Wishing You (from 2022 黄静美‘愿你’）https://youtu.be/cbN8DHC4Y7Q?si=W618a8IXZ4VTv8j0 4. Today (from 2022 刘晓超‘旧梦’）https://youtu.be/cMnFVQhOiQc?si=JzqtK-nqAPhs7gIn The songs are current, and upbeat.  I wrote the lyrics to be positive and motivational.  I use these songs in my training too

Love Intelligence (LQ) by Andy Ng stands out among similar books in the market due to its unique approach to integrating love as a strategic force in business, leadership, and personal development.  While there are other books that touch on emotional intelligence, leadership, and purpose-driven success, this book offers distinct features that set it apart: How It Ranks Among Similar Books: 1. Unique Concept of Love Intelligence (LQ):   While books like Emotional Intelligence by Daniel Goleman focus on understanding and managing emotions, Love Intelligence (LQ) goes further by positioning love as a measurable and actionable force that drives business success, innovation, and wealth creation. 2. It introduces a new metric, "Love Intelligence," which is not commonly discussed in other leadership or business books.  3. Integration of Ancient Wisdom with Modern Business Practices:  • Unlike books that focus solely on modern psychology or business strategies, Love ...