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What is Yoga Burn?

Yoga Burn is a yoga exercise program which is meant to help one to keep fit and maintain a healthy body especially for the women.

It is a works out program which can be easily followed, and it seems that quite a lot of women are hooked to this works out program, surely it is workable and show good results.

Does this Yoga Burn program work?

Any works out program will work if you follow the program diligently and do not skip any stages of it, in this Yoga Burn workout program, there are 3 phases of the program, mainly Phase 1, Phase 2 and Phase 3

  • Phase 1: Foundation – help a person to build up a strong basic on which to grow personal fitness results.

    Phase 2: Transitional – in connection with phase 1 or follow up from phase 1 to works out the works out flow learned in phase 1 and create a continuity of exercise flow.

    Phase 3: Advance Master – a combination of the previous two phases and making one to tune her body to make sure it works out your body metabolism.

Who Is Zoe Bray-Cotton?

Zoe Bray-Cotton is an internationally certified personal trainer, yoga instructor and female transformation specialist to over 1 million women around the world. Zoe is the creator of international best-selling fitness systems for women such as Yoga Burn, as well as the Yoga Burn Facebook and Instagram Community.

She was supposed to be the lady who created this Yoga Burn workout program specially for females to keep fit and healthy.

If you want to learn more and understand more about her Yoga Burn program click here

Exercise is supposed to help a person to keep fit and healthy, we train hard and eat well, yet we still face some issues with our health and doctors do not seem to be able to find out how to resolve the problem.

Yes, I am talking about hip flexors, You see, our hip flexors are the engine through which our body moves. They control balance, our ability to sit, stand, twist, reach, bend, walk and step.

If our hip flexors tighten, it will cause a lot of problems and affect our health.

How do we get tightened hip flexors?

1. The most common cause of tightening hip flexors is sitting too long in a chair, especially for those who have to sit in front of the computer for hours nowadays.

Weakness, shortening and tightness develops in the muscle through sitting for extended hours, poor sleep posture and even work tension and stress could be the results too.

What are the effects of tighten hip flexors?

If you have the following signs, chances are you have the tightened hip flexors:

  • Nagging joint pains in your legs, lower back or hips
  • Walking with discomfort
  • Hips locking up
  • Bad posture
  • Trouble sleeping
  • Sluggishness in day to day life
  • High Anxiety
  • Digestive problems
  • Compromised Immune System
  • Circulatory issues
  • Loss of sexual performance
  • Lack of Explosiveness in the gym or sports

Does Static Stretching help in curing tightened hip flexors?

Studies showed by doing static stretching will not completely cure tightened hip flexors, it may just provide a temporary relief of the tightness of the hip, to learn more about, you may want to click HERE

If you want to learn more and resolve your hip flexors tightness problem, do click on the above.

When we achieve a goal, it certainly creates satisfaction, but our wonderful life usually happens in the journey towards attaining ours goal. It comes from the inspiration, hope, and motivation that leads to our actions to attain a goal. But living a wonderful life can happen regardless of achieving a goal or not.

So if you are determined to embark on some fitness program to keep yourself fit, and achieve the goal of reducing your weight, say from 80 kg to 67kg as 67 kg is your ideal weight and if you can achieve the goal, it will be a huge satisfaction and mission accomplished

I have seen my friend trying her best to do some flat belly exercise and does not seem to get anywhere until she tried out something I was telling her to do and it seemed it worked!!

This is just one of the examples of achieving goal set, in our life, we would set a few goals since the day we started to know our surrounding since our birth.

As we entered school age, we would set goal to have better grade until we finished our education at tertiary level.

then we start our working life and set another goal to reach certain level in corporate world if you are in the corporate world ladder.

Then there are some who are self-employed and earning passive income in online world or become a self-made enterpreuer and making good money online, we will still set our goal of getting so much per night and so on.

So is goal setting that important?

Goal setting is just one of the tools we used to achieve our target and use as a barometer to focus on the task we have in hand.

Just like in this Wealthy Affiliate journey, some will set the goal of making so much money per week, per month and so on. and if the goal is achieved, there is a sense of satisfaction and mission accomplished.

However, the start up may not be smooth sailing as people thought it was, without hard work and hours spent focusing on setting goals and trial and errors, until we are able to see the light at the end of the tunnel, we would not be able to say we have achieved our goal.


COVID-19, a term used to describe the pandemic happened in 2020 all over the world.

The most searched word at the moment and the dreaded word in almost every one's mind.

So what is COVID-19? and what has it done to change mankind thus far?

COVID-19 or Coronavirus as it was initially called, or some people referred to it as Wuhan Virus since it was reported it started from the City of Wuhan in China.

Because of this virus, it changed a lot of things in this world and force human to make changes and discard their usual lifestyle, some businesses even had to change their mode of operation and some were forced to close down being badly affected by this.

Governments all over the world initially treated it as just another flu type of virus and some were ill prepared for this, eventually every country decided to follow China's way of dealing with this pandemic by locking down the whole city.

Lock Down, Restricted Movement Stay Home Order, Circuit Breaker

Locking down the city, restricted movement, stay home order or circuit breaker as Singapore decided to have a more subtle name for the way they deal with restriction of human traffic to curb the spread of this COVID-19 pandemic.

One of the lock down effect was the closing of border and this restricted the movement of people from one country to another, even for country with proximity like between Malaysia and Singapore which was linked by a causeway, one the busiest border crossing in the world whereby at least 300,000 used the causeway to move either way between the two countries, it was practically deserted during the MCO (Movement Control Order), the term used by Malaysia and Circuit Breaker, the term used by Singapore.

Industries Affected By Lock Down

The first industry badly hit by this closing of borders is the airline, most of the airlines decided to cancel their flights and have the air crafts grounded, the only flight operating was mostly the cargo plane which carried the essential goods from one country to another.

What To Expect Post COVID-19?

Now people are talking about post COVID-19, what is going to happen and what can we learn from it.


SARS had some impact on human when at the height of it, people were talking about being hygienic and so on and cleanliness was the top priority, even in some restaurants, they would not have the cutlery on the table until the customers were at the table, places like Pizza Hut used to have the fork and knife on the table even though there were no customers, but during SARS, they decided to keep all the forks and knife.

And now COVID-19, the situation was worse, restaurants had to close and only allowed takeaway. Luckily with the advance of technology and the emergence of APP, people can now order food online and APP to search for food delivery and most of the food outlets decided to work with the delivery companies to ensure they still have customers during this challenging time.

Work From Home

Work from home became a norm for most of the companies, and this may become the norm even after post COVID-19, this will definitely affect the office building owners as their office rental incomes may be badly affected post COVID-19, once the lease period expired, some companies may review the need and decide to cut down the size of the office space since most companies have already had ample practices during the lock down and stay home for few months, this will help the companies to save quite a substantial amounts on rental payment for office space.

With the reduced office space, it will be less electricity consumed, less office stationery used, the productivity of the staffs may improve also, it may also help to improve work life balance especially in Asia countries whereby working long hours in office used to be the norm.

Adapt & Innovate

Business will have to adapt to the new norm in operating their businesses, after learning from the lock down and making changes during the lock down, if the businesses are not prepared to deal with the new norm, they will be phased out post COVID-19, the one which can adapt faster and be prepared during the lock down and hit the ground running after the lock down will be the one which will gain more and achieve a greater height.

“Times and conditions change so rapidly that we must keep our aim constantly focused on the future” – Walt Disney

Even though times are bad and difficult for most of us, especially those in business as COVID-19 affected every one in one way or another, however this not the time to cry and whine about it, so much uncertainty about the future and how to survive in this uncomfortable situation, we have to start take stock of the situation and learn something from this, the earlier we accept this and move on and start making changes, innovate and adapt to the new norm, the earlier we come out victorious and stronger to face the challenges ahead.

To move forward, we need to make profound changes and move out of our comfort zone and innovate, in scientific term as stated by the American physicist and philosopher Thomas Kuhn, a concept called Paradigm Shift, which means a fundamental change in the basic concepts and experimental practices of a scientific discipline.

We can relate the changes we need to make to survive COVID-19 as a paradigm shift as we need to make a profound change in a fundamental model or perception of ways we do our works and live our life.

What Businesses Should We Do In Case We Want To Start A New Business?

discuss business@cheeshi

During the lock down or Circuit Breaker as in Singapore, only certain businesses are allowed to continue to open, the rest needed to work from home or shut down completely.

Businesses involved in food and beverage, basic groceries, logistic, medical supply, health care, waste management, transport and telecommunication business are still open during the lock down.

Food stalls, fruits stalls, vegetable and meat sellers are doing brisk business during the lock down.

Super markets and groceries shops are also doing good business during the lock down because peoplelong queue at supermarket check out, @cheeshi

Restaurants, coffee shops and hawkers center can only cater for people who buy foods for take away and no dine in is allowed, and this created good business for delivery people.

For manufacturing entities, during COVID-19, it is obvious that those involved in health care and medical supply businesses are in great demand.

Factories involved in manufacturing surgical masks, disinfectant, gloves, medical PPE, ventilators and medicine were operating during the lock down while those in other types of manufacturing which are not essential would have to stop operation.

It can be seen from this lock down, what types of businesses still need to operate and no need to take forced rest.

What Types Of Businesses Are Badly Affected?

Hotels business is badly affected since travelers are not allowed due to the closure of the borders, if the lock down last few months, the hoteliers will have problem surviving unless they have a lot of cash reserves.

Transport business like taxi and buses may be affected due to fewer people taking the transport because of the stay home orders, they will only ferry the people who are involved in the essential business.

taxi returned affected by COVID-19 @cheeshi

As mentioned earlier, one of the badly hit is the airline, no cross border traveling mean the airline need to ground their planes and in the case of Singapore Airlines, some of their crews were re-designated to help out in hospitals to attend to those who were not in emergency medical care so that the professional and trained nurses could attend to COVID-19 related cases.

What Can We Look Forward To Post COVID-19?

  1. 1. Change of business model

If the business wants to survive post COVID-19, they need to innovate and adapt to the new norm and adjust the business model, take action and create results instead of stand still or shut down completely and blame the pandemic for the chaos.

  1. 2. Prepare for the future

In time of crisis like what COVID-19 has created, it is important that business people show some better character in this high stakes challenge and focus on objectives that can produce results and quote the Singapore Minister favorite words – to think two steps ahead, we also need to set long term goals in order to meet the uncertainty and challenges ahead.

  1. 3. Embracing new digital solutions and technology

This is the time to review and analyze what we have been doing and make adjustments and adapt so that we can be well-prepared for the future and no time to whine on the losses and lost opportunities.

  1. 4. Have a good game plan

Post COVID-19, we must have a good game plan so that we can focus on our primary objectives and secondary objectives, prioritize key initiatives and take action to ensure the clear targets are met despite the uncertainty and so many unknown factors.

We learn along the ways and make amends so that we do not lose our focus on the task ahead.

Just like what Sir Winston Churchill said “ Don’t let your crisis go to waste!!”
WallStreet Forex Robot 2.0 Evolution

If you have any questions or wish to share your experience on this topic, please feel free to leave your comments, questions and your experience in the feedback space below and I would be glad to get back to you and thank you for your feedback, comments and sharing of your experience.

The COVID-19 has so far shown a lot of social issues and discussions on everyone’s mind, at least it brought to really think about what were going on in our daily life which we took it for granted.

One of the topics in almost everyone’s mind and hot topic is the foreign workers whose infection appeared to make everyone worried that Singapore was one of the epic center of the pandemic of COVID-19

As at 9th May 2020, the total numbers of confirmed cases of COVID-19 in Singapore was 22460, you can go to this site to see more details -
WallStreet Forex Robot 2.0 Evolution
As can be noticed from the MOH Press Statement that majority of the cases were in the dormitories where most of the residents are the foreign workers who come to Singapore to work.

A lot have been said and commented in social media about the conditions in the dormitories and there are not shortage of negative comments about the foreign workers.

However, how many of us really put ourselves in the foreign workers’ shoes and look from their point of view?

I like the Facebook post where the speaker said about the plight of the foreign workers, you can see the Facebook post here -

Let’s not go into details of these, neither are we going to comment on whether the comments you all find in the social media, be it Facebook, Whatsapp, Twitter, Instagram or whatever social media channels you are used to surfing and you can draw your own conclusion based on whatever you know and see.

This is about the plight of the foreign workers who make an effort to come from their home countries, be it Bangladesh, India, Sri Lanka, Myanmar or Nepal and China to come to Singapore, hoping to earn some money so they can provide a better living conditions for their families back home.

This is a third party account of what a migrant worker encountered, I happened to know him and close with him and treated him as one of my friend, it may not be the same with other migrant workers, or it was just sheer bad luck on his part that he worked for a monster employer.

Perhaps, for those in the countries mentioned above, they may want to think twice before they decided to embark on this journey to financial freedom which they think they can achieve in Singapore if that is what they are thinking.

Merlion Icon of Singapore @cheeshi

For some of them, in order to take that first step to come out from the comfort of the home country with the family, they have to borrow some money and pay to the local home agents to come over to Singapore.

To them, it is a new beginning and which they were told they could make enough money and good money which they might not be able to make in their home countries, so they thought.

However, the reality of this harsh truth strike them when they touch down in Singapore and were met by the Singapore agent at the nice airport called Changi Airport.

Changi Control Tower @cheeshi

To make it to Singapore, some of them incurred so many debts, having to pay the home agent as well as the big amount charged by the Singapore agent for bringing them in.

Every one thought the foreign workers earn a good salary by coming to work in Singapore, mainly in the construction industries and since almost every thing is provided by the employer who hired him, so the foreign workers have sufficient money to remit back to their home countries.

So that was what every one in the public thought since the government said all foreign workers from the above mentioned countries could only apply for S Pass or Employment Pass and there is a minimum salary linked to the two Passes, and the workers from the above mentioned countries could not apply for the work permit.

Based on the requirement of Ministry of Man Power of Singapore (MOM), before a worker can be brought in from the home country, the employer has to apply for necessary papers and also include a copy of the employment contract which clearly state the salary offered to the to-be-hired worker is SGD $ 2,400 the minimum salary scale for the S-Pass, you can check the criteria of S-Pass in this link,

Now the foreign worker thought he would be paid SGD $ 2,400 per month for working in Singapore, which will be quite a substantial amount for them back home and hopefully this will help to ease his financial burden at home.

As I mentioned earlier, sometime the ideal is not the reality and the truth hurt. The reality does not conform with to the ideal, but confirm it, as The renowned French Novelist Gustave realized it well and made everyone know that Reality does not conform to the ideal but confirms it.

In the Facebook link I shared earlier in this article, the speaker was doing a survey on how much a foreign worker was making a month, and the result showed the amount was quite low and he was quite right about the amount.

Let’s have a closer look at how much actually a foreign worker makes per month.

Based on his contract submitted to MOM it should be SGD $ 2,400.00

Then the reality hit home, when he reaches Singapore and reported to the employer direct from the Changi Airport, he most probably would be told by his new boss that his salary would only be SGD $1,500 per month the most if not SGD $1,000.

So every month, when he has his salary, he would have to withdraw SGD $ 1,400 and pay back to the boss in cash assuming he was told his monthly would be SGD $ 1,000. This was similar to the modus operandi of a decided case in this link-

Then the HR would inform him that HR needed to deduct the air fare for the flight from his home country to Singapore, more bad news for the foreign ensue, HR would inform him that he needed to go for medical checkup before the S Pass could be issued, and to go for medical check up, he would have to take leave to do so, and since he would not be working, his salary would be deducted for being absent from work. So if the medical check up took one day, then one day pay would be deducted.

After a few days when the medical report was ready and he would need to go and collect the report and submit to MOM, again he would have to take leave of absent and having his salary deducted.

Since he would most probably stay in the dormitory arranged by the employer, the employer supposedly paid the dormitory operator for his workers staying in the dormitory as per his contract of engagement.

HR would then tell the foreign worker that the rental paid to the dormitory would be deducted from his salary, that would be including the bed rental, service charge, laundry service and whatever charges the dormitory has.

So we can see the foreign worker financial situation is not glossy after all in the first year or two of his employment in Singapore.

Now on the working hours, they have to work long hours and most of the time beyond the legal working hours per day as stipulated in the Employment Act of Singapore and this is very common in Singapore, workers are expected to work long hours and if they are absent from work for even hour, their salary will be deducted, on the other hand, even they work beyond the normal 8 hours, they would not get paid for the overtimes put in, the employer would claim it was stipulated in the contract.

For foreign workers working in the construction industry, if the company was penalized for any delay in completion of work or fined by MOM or NEA or any authorities, the usual practice would be deducted from the salary from the workers as it would be considered the faults of the workers which resulted in the penalty for the delay or violation of regulations.

So we can see the plight of the foreign workers and their ideal working environment in Singapore which is quite different from the ideal situation.

To quote a message I came across in Quara. Com and I quote “ Yes, undoubtedly the reality does not conform to our perception of what an ideal is but it does confirm what an ideal actually is in its own unique, beautiful and authentic way, perhaps that’s the reason why it is called ‘REAL ITY’. Unquote

I am sharing here the plight of the foreign worker who experienced by one who happened to be my friend and this was what he had narrated to me of what he had encountered.

This could be something for those back home in Bangladesh, Sri Lanka, India, Myanmar and the subcontinent of Asia who are contemplating to come to Singapore to work, thinking this is the way to escape poverty.

For those who had made it and enduring the first two years of hardship and saving as much as they could in order to repay the debts borrowed and having some savings to go back to home land after the end of the two years contract, it would be a good life lesson for them and hopefully make them the wiser and enrich their life. For some, they might change their employers and been offered a better deal than the first two years of their adventure in Singapore, some of them move on to a better pasture and finally managed to make some savings and see the light at the end of the tunnels.

For those who want to make the trip, it would be better that they consider their other options such as equip themselves with better knowledge so that they can come here via the Employment Pass which for that status will fetch a better salary than an S- Pass holder, hence the financial burden will be lesser and it would also be easier for them to land a better job after the first contract end if they find the first employer was not to their expectation.

For those still in the above mentioned countries, it would be easier for them to try some online business and earn some passive income to supplement their household requirement instead of just dreaming of the good jobs in Singapore which may not be the case.

Since most of them are quite tech savvy and learning new knowledge seem easy for them, it would be better that they can embark on some online training and make use of the internet to earn some money.

And perhaps they may want to look at this WA website and learn some good lessons on how to gain a footing in internet business and subsequently achieving financial freedom.

If you have any interesting pictures and views about this COVID-19 in term of social impacts and wish to share your views, feel free to do so in the comments section and I welcome your positive feedback and opinion, time being, stay safe and stay healthy.


COVID-19, the dreaded word in 2020 which has caused a lot of havoc all over the world.

Because of this pandemic, human beings are being asked by medical experts to stay at homes as much as possible in order to break the spread of this virus.

So the next most used words these days are Social Distancing.

Photo taken at one of the eatery

Just how effective is Social Distancing in curbing the spread of COVID-19?

No one will really know the effectiveness, how does this come about in the first place?

To a layman on the street, he will interpret it laterally that the distance between him and another human has to be at a certain distance, however it appears the social distancing is more than that and it seems a lot of governments do not seem to convey the right messages to the people at large.

There are measures adopted by governments which are considered Social Distancing.

1. Distance between two persons in public.

2. Cancellation of mass gatherings to avoid contact.

3. Restriction of travel.

4. Closure of schools and use home base learning to use internet.

5. Closure of work place of non-essential business to reduce the contacts

6. Quarantine of suspected infected patient and the contacts.

I am not going to elaborate in details of the above measures as I just want to write something about this while being held up at home due to the measures!!!!

Because of this stay home measure, no one can go to work other than the essential services such as utility companies, tel co, supermarkets, food and beverage outlets for those who never cook at home and so used to eat at food courts or restaurants.

Due to this COVID-19, almost all the industries and businesses are affected, Airlines need to ground their air crafts and because of this, the oil production is also affected and oil prices tumbled so much at one time reached negative level.

The oil industries are badly affected as fewer people are traveling and public transports also make fewer trips.

Even taxi operators were badly affected with a lot of drivers decided to stop driving taxis.

So are we going to see the new norm after this COVID-19 pandemic finally leave us for good?

for one, at the moment, due to less traffic on the road, in the air and so on, the pollution due to the emissions from the transports is less and we can see clearer sky.

Likewise, factories which are not in the producing of essential goods are also temporarily stopped and there is less use of air conditions and equipment in these industries which also contribute to the improvement in the air quality to some extent.

The pandemic is really an eye-opener for a lot of people across the boards, those jobs which were deemed not attractive and only for those in between job, such as delivery men, suddenly are in great demand and a profession highly regarded.

Hawkers stalls are doing quite good business as there are a lot of takeaway of foods and less cost involved in washing the plates and cutlery

Manufacturing companies which are in medical supply health industries are doing well as the demands of sanitize rs, disinfectant, masks, glove, PPE, shoes and thermometers are high and even some factories converted their production lines to make all the medical supplies, In China, it was reported that most of the car manufacturers converted their production lines to product gloves, masks, shoe and PPE.

Even reported that Foxconn, the OEM part suppliers of IPhone, refitted their productions to produce masks. So were most of the garment factories in China, refitting their production lines to produce the necessary medical supplies.

With the near standstill of the economy, are we seeing the new norm of economy post COVID-19?

a company's income is another company/consumer expense, for example, if the airline is not flying, as travelers are not flying, so airline will not have income, then all the air crews may not have their salary paid unless the airline concerned has Hugh cash reserve to sustain the non-operating.

Assuming the air crews were not paid or only paid half, hence their purchasing power will reduce, and this will have domino effect on their as the air crews will not spend, and the other industries will have no income since no one is spending money.

So if every one stays at home, no one has income, hence no spending power, at the end of the day, what is going to happen?

Do we go back to the time of barter trading, whereby I had this item and you have what I need and you need what I have, so we exchange goods?

I am looking forward to pricing adjustments, since this work from home for most offices show that they do not really need such a working space in office, so, office property prices will come down? even in Central Business District?

One of the good thing from the social distancing is the home base learning, kids nowadays also glue to their mobile devices and did not bother to study, they go to school only because the parents say so, after school, the hands will be on the mobile phone even when they are taking the meals at home or outside.

School kids were so happy when the government announced the schools will be closed until certain dates, so "hooray" no need to go to school, then it dawns on them that the device which they like so much because of internet connection is being used to do home base learning, so now they realize the internet connection they like so much, which give them enjoyment, now also give them some hard time.

The plus thing of this home base learning is after this pandemic is over, the teachers can change profession and become internet broadcaster/presenters since they now have ample experience in broadcasting through internet when giving lessons to the schools children.

For those who stay at home and need to keep fit, this will be the time to learn how to keep fit when at home and what one can do at home to do the exercise and burn the necessary calories.

For those who really want to challenge their body fitness or who are in burn yoga, you can try burn yoga while working from home. You can click here to learn more about burn yoga

For those who seldom cook and so rely on hawker foods, it is the time to learn and practice the cooking skills and finally the kitchen can be used. After all nowadays there are so many channels one can learn about cooking, just follow YouTube tutorial and so on.

Does Social Distancing lead to panic buying? Or announcement by government which was sometimes not clear enough was the main cause of the panic buying?Photo taken by Chee Shi

One phenomenon of this COVID-19 pandemic is the hoarding of toilet papers, tissue papers, even alcohol swipe which the diabetic patient use before they administer their medicine.

The hoarding of toilet papers not only happens in Hong Kong, Singapore or Malaysia, it even happens in USA and Australia and European countries.

I was told by friends in Hong Kong, the hoarding of toilet papers was due to the rumor that since Hong Kong supply of toilet papers was from China and China had instructed that all the toilet papers production line need to divert the raw materials to making of masks which were in short supply at one time, so the people in Hong Kong got panic and decided to stock up the toilet papers.

As for Singapore, it was noticed that toilet paper and tissue papers hoarding were of different reason, apparently people in Singapore are very creative, they put two pieces of toilet papers in between the mask and tissue paper, the tissue paper will be the one which come into contact with the mouth and nose with the toilet paper in between the tissue paper and mask, even though it is a 3 ply mask.

Anyone has the reason for the hoarding in Western Countries?

One of the good things of this pandemic is nowadays people will queue to buy their goods at the market.

So we have to look at the positive of this outbreak of the pandemic and take action to ensure we can cope with life after COVID-19.

If you have any interesting pictures and views about this COVID-19 in term of social impacts and wish to share your views, feel free to do so in the comments section and I welcome your positive feedback and opinion, time being, stay safe and stay healthy.


There are so many Binary Options platforms out there and most of the Binary Option claimed that you can use that to get rich fast!!!.

The platform is cashing in on the human greed to lure people to the platform basing on the basic human desire of Who Does Not Want To Get Rich.

How many people have been using Binary Options and learned a painful lesson that they will never forget?

There are Binary Options who claimed you can make a lot of money and easy to get your investment back.


Some Binary Options even provide one for one investment, that is if you invest USD $2,000, they will top up the account with USD $2,000 and you have $ 4,000 Capital to trade using Binary Option, however the platform administrator did not tell you at that time if you take the option of getting the free top up, you are not able to withdraw your initial Capital until you make certain numbers of transactions.

In the internet, there are so many advertisements about Binary Option and video showing how people have made a million within a short time using the same actors or actress to lure you to believe this is THE WAY to make money.

photo by Chee Shi


According to Wikipedia definition

"A binary option is a financial exotic option in which the payoff is either some fixed monetary amount or nothing at all.[1][2] The two main types of binary options are the cash-or-nothing binary option and the asset-or-nothing binary option. The former pays some fixed amount of cash if the option expires in-the-money while the latter pays the value of the underlying security. They are also called all-or-nothing options, digital options (more common in forex/interest rate markets), and fixed return options (FROs) (on the American Stock Exchange).[3]"

so in layman term, it is a yes or no, and head and tail type of game, it is like a game of chance, right or wrong.

When you want to find out more about the platform, initially the customer service is so friendly and helpful, but when you are winning using the Binary Option, they will have people making calls to you to show you how to make more money and encourage you to trade more and in no time, you find out your winnings are gone and then they will call you to put in more money and tell you again if you put in USD $5,000, they will top up USD $ 5,000 and here you are, you have now USD $ 10,000 to trade.

What Are Offered In Their Website?

Some websites even offered training on trading of binary option and claimed to provide good trading support, some even claimed to offer good tips and sure win trade if you pay certain amounts of money.

Therefore I would suggest if you really want to trade binary option, do so with the local platform where you can meet the administrator of the platform in person and understand more about their operation, even that also may not be good enough, however do trade with good conscience.


The main issue is -- the trader does not know who he is trading with and how many players/traders are involved, for all you know, you may be trading with the platform's software and being manipulated by them and what you see on screen was supposed to be the real trade in the financial market, but there could be some lag in the data which indicated you may be trading with the platform back end who is just eating up your money/capital slowly.


If you happened to trade right and win, then the customer service will call you the next day and tell you to trade more or play more, depending on what you are trading, whether it is forex, stock, indices or metals and someone will call and tell you that they have some research done and good time to do certain trades and they would guide you and so on.

The next thing was you realize your winning were gone after a few trades and as the trades were for few minutes, so you would know your trade results within minutes and then they would call and said you should bet in certain amount as the probability was higher with higher amount and so on.


When you called or log in to your account and indicated you wanted to withdraw your winning, you would not get any reply at all and when you called or emailed them, you would be informed that since you had taken the top up from the platform, you were not able to withdraw as you had not done enough trade transactions

They would ask you to continue trading and you soon knew the game was a scam as there was no chance you could win as it was just a program set up by them to ensure you put in money and so on.

Are Binary Options Regulated?

If you go to their websites, you would notice that they claimed they were regulated and they even offered you to check their credential with the relevant authorities, however, if you really check and read the reviews by some other who always monitor the scam and fraud, you would find that a lot of them are really scam and operated by some fraudsters who hide behind the internet and computer to thrive on human nature of greed of money and get rich quick.


If you really want to trade, do so with the local platform where you can meet up with the administrator and the company and understand their operation and get some assurance and check with the local relevant regulatory authorities.

If you are not well versed in financial market, do stay away from this instrument.

It will be better to trade in something which you know well instead of looking for some quick short term gain.

If you have any questions or wish to share your experience on this topic, please feel free to leave your comments, questions and your experience in the feedback space below and I would be glad to get back to you and thank you for your feedback, comments and sharing of your experience.


In our life, we only live once and it is important that we live it right.

Since we were born, we learned a lot of things from baby until we graduated and started working life and family life and so on.

It is important that we get it right especially when we reach the retirement age and there are bills and commitment to be met.

There are people who are still hesitant of what to do and what need to be done in order to have a financial worry free retirement life.

A. Why do people put off their decision?

Just share one of my experience of encountering one person who keeps asking me what to do as he is getting on his life and worry about his life for the next decade when he is in retirement.

I told him to try out online business, and if he can get on with it, he does not have to worry about his retirement life.

The last I heard from him was he was still thinking about it, and I told him we only live once and we need to get it right.

His excuse was there were so many people who had tried that and did not seem to be successful.

My answer to him was he needed to find out how many times these so called many people had put, and how many hours of their efforts to really work on the online business.

It appeared that majority of people were looking for get-rich-quick type of scheme and have the impression that online business is a get-rich-quick scheme with instant success without putting in much effort.

People put off their decision because they were not certain whether they could be successful and most importantly was they were not willing to put in their effort.

Photo by Pedro da Silva on Unsplash

B. What do we do when we need to take a decisive step in life.

We tend to be hesitant when we face with some decisions to make, a lot of people put off making the decision to a later date and let the opportunity passed by.

You know you only live once, hence it is important you live it right and grab the opportunity as hardly there is a second chance.

Therefore, if there is an opportunity to move forward and make your life better, why don't you grab it and live it the fullest?

A lot of people regret that they did not take the chance offered when they were offered the opportunity to better their life, we should remember no risk no gain, after assessing the opportunity on hand, take it and move on.

We will not be an expert if we do not fail to achieve our goal, we only know some people are great but we never know how much and how hard they had tried in order to reach what they are now and how often have they failed and how difficult their situation was before they become great.

C. You Only Live Once, So How Do You Intend To Have A Financial Worry Free Retirement Life?

To be financial worry free during retirement life, one needs to ensure we are independent and decisive in making decision when we have to decide how to live our retirement life happy and free of financial worry.

One of the way to make it is to do some online business and none better than using Wealth Affiliate to learn and make money at the same time.

Even when you are in Old Folk Home living out your remaining life, you still have the ability to earn some money and live a good life there

So for those who are serious in making it online and ensuring having a good retirement life, do the right thing and make the right decision so that you do not have to depend on your offspring for support in your retirement life if you are able to make some income from online business.

Do realize that having some handsome online business income will be good to finance your lifestyle in retirement and can even bring you money even when you are on holiday enjoying your retirement.

Just imagine the best of the world when you are holidaying and your bank account still shows money keep coming in? This si the dream quite a lot of people like to have.

photo by Chee Shi

For those who work full time on employment, they only have their monthly wages to look forward to when on holiday whereas if you are self reliance in internet business, you do not have to worry about your money as it still earns you handsome income when you are sleeping.

Then you can really brag about You Only Live Once but Live Right.

If you have any questions or wish to share your experience on this topic, please feel free to leave your comments, questions and your experience in the feedback space below and I would be glad to get back to you and thank you for your feedback, comments and sharing of your experience.

Today I am going to continue my online financial scams series as highlighted by the China Publi Security Bureau earlier this year, I believe we should share this knowledge about online financial scams so that more people are aware of the scams.

5. Fictitious Claims Scams

a. Fictitious car accident scam

The scammer acting as the relatives or friends of the victims of the car accidents, claiming that the accidents need to be settled immediately, demand the other party to transfer the compensation money.

b. Scammed kidnap plot

The Scammer informed the victims's relative that the victims have been kidnapped and unless ransoms are paid to a specific bank account and also warned that police should not be reported, if not, they will kill the victims.

c. Surgery Scam

Scammer informs the victim's parents or children that the kids or the parents need surgery immediately due to sudden attack of sickness, demand the victims remit the money before treatment can be made.

d. Dire Strait Situation Scam

Scammer act as if he is serious financial, life threatening sickness and so on and appeal to the public via social media hoping to secure some donations.

e. Reported parcel with drug scam

Scammer informs the victim that the parcel addressed to the victims was found to contain drug and required the victim to pay some money to the National Security Account so that proper investigation can be carried.

f. photo shopped obscene and lewd photos scam

Scammers collect the photos of public servants and use the computer to photoshop into obscene pictures and mail to the victim attached with the bank account number, threatening and blackmailing the public servants to pay up or risk being exposed.

g. Abortion Cost Scam

Scammer impersonating as the children to send short messaging to the parents knowing very well how the parents love their children, and convince the parents to transfer money for abortion cost.

6. Daily Living Scam

a. Impersonating as Land Lord Scam

Scammer impersonates the land lord and send short messaging to the tenants informing the tenant that the landlord bank card and account numbers have on changed and advise the tenants to pay their rental to a specified account.

b. Telephone Bill Scam

Scammer acted as they are from the tel co, calls the consumers or using the prerecorded voice message informing the consumer to pay their outstanding bills to a designated bank account.

c. Tax Rebate On Goods Purchase Scam

After obtaining the particulars and information about the victims' recent purchases of houses or cars, the scammers calls the victims to informs the victims that due to the changes in tax policies, hence they are entitled for rebate of tax and duties, ask the victims to go to ATM to execute the transfer.

d. Change of Air Tickets Scam

Scammer act as official from the airline customer service, informing the victim that due to the cancellation of flights, refund of air ticket and changes of services, require the victims to make payments on the transactions.

e. Online Ticket Booking Scam

Scammers created a fake website for ticket booking, using a much lower ticket prices to attract victims to purchase tickets online and after that using the reason that the transaction was not successful and required the victims to keep making payment online.

f. ATM Scam

Scammer jams the ATM cash dispenser slot and then paste a fake phone hot line service number at the ATM, after the victim used the number to call and they obtain the necessary details of the victims, they wait for the victim to go away and retrieve the card from the ATM and withdraw the money using the cards.

g. Credit Card Scam

Scammer calls the victim informing the victim that their credit cards details have been exposed and required the victim to provide the necessary information to scam the victim.

h. Remittance Scam

Scammers using the group chat short messaging method to require the victims to remit money to certain bank accounts, normally this happen when the victim was in the process of making remittance to banks, so without checking, they will just act on the information and make the remittance to the bank account of the scammers.

If you have any questions or wish to share your experience on this topic, please feel free to leave your comments, questions and your experience in the feedback space below and I would be glad to get back to you and thank you for your feedback, comments and sharing of your experience.