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Cryptocurrency, most of you are familiar with this term especially those who were born in the 80s onward.

What is Cryptocurrency?

According to Investopedia.com and I quote:

"

What Is Cryptocurrency?

A cryptocurrency is a digital or virtual currency that is secured by cryptography, which makes it nearly impossible to counterfeit or double-spend. Many cryptocurrencies are decentralized networks based on block chain technology—a distributed ledger enforced by a disparate network of computers. A defining feature of cryptocurrencies is that they are generally not issued by any central authority, rendering them theoretically immune to government interference or manipulation."

unquote.

There are so many exchange platform offering trading of cryptocurencies.

Hence for someone who just start to get into the game, which platform do you want to use?

Today I am going to talk about one such platform which I had an experience to encounter in the last few weeks.

The name of the platform is :

For laptop access - https://www.realbtcex.site/wap

for mobile access - https://www.realbtcex.site/app.html

For the mobile version, I tried using my mobile to access, however, I f

ailed to do so, reason being my anti virus in the phone killed the access and gave me the notice - THE SITE YOU WANTED TO ACCESS MAY HARM YOUR PHONE AND IT WAS BLOCKED.

What about the web version of the platform?

I was asked and encouraged by someone to sign up for this cryptocurrency exchange platform.

The person even volunteer to teach me and guide me in trading cryptocurrency using platform and claiming could make few hundred dollars per night depending on how many trades one take.

So after I told her that I could not use the mobile version, I was given the web based version.

When I accessed the website, I needed to disable a bit of my anti virus so that I could have a peek at the website.

When the website was on screen, it looked very plain and did not give an impression it was a trading platform, albeit a cryptocurrency one.

This is how the dashboard look like

Now have a look at the wording of ABOUT US

This is extracted from the website:

"About

RealBTC was established in March 2019 and is headquartered in Singapore. We have established global operation centers in Hong Kong, Japan, South Korea, the United States, and Switzerland. The core team comes from world-renowned financial companies and Internet technology companies. It has obtained investment from well-known block chain funds such as JRR capital, NEO, and ONT. It has also obtained multinational digital currency operating licenses such as MSB in the United States and VQF in Switzerland. It is currently operating in compliance worldwide. RealBTC will build a new generation of crypto-asset derivatives exchange, and is committed to providing a trading platform for crypto-assets with continuous transactions and data-free data, making cryptocurrency trading simpler, stable, and credible! Our vision is to become the world's first fully functional, efficient, non-custodial trading platform, providing the highest transparency in any case. RealBTC hopes to become the first real and democratic trading platform. We are ready to gradually fix the functions on the platform to the block chain, and in 2021 let the platform have the ability to automate contract structure, trading and clearing."

The website does not provide information who are the founders and people involved in running the exchange.

I had a hard time in finding where to register. The icons were actually right at the bottom of the site and need to enlarge to see the icons.

Conditions not filled still can register

In the website when one goes through the registration, there are some pages required certain information, and it was indicated the information was compulsory.

However, I noticed when I did not provide the information and clicked through to go to the next step, I was able to do so.

What does this tell you about the platform?

Do we as an investor still want to go ahead to put in Capital to this platform and do the trading?

Funding of the account

When I contacted the customer service and asked him how I could fund the account.

The Customer Service gave me a bank account number but it was under the name of an individual and not the platform name.

I asked the customer service why was it in the individual name and not in the name of the platform, the customer service claimed they were just the custodian of the crypotcurrency and not responsible for the transaction between the seller and the buyer.

Cancellation of Account.

There is no cancellation of the account available.

I decided to get in touch with the customer service to find out.

I was told as long as I did not login to the platform for 180 days, the account would be canceled.

However if you insisted to cancel it immediately, the customer service said I needed to deposit USD $4,000 and after the capital is verified and will be withdrawn and account deemed canceled.

Does it sound suspicious here?

I definitely think so, I strongly believe once I deposited the USD $ 4,000. The money would be gone for good.

After going through all these from opening account and the constant pressure from the person who recommended this site to me.

What made my doubt about this site was the eagerness and impatient of the person to get me to do the funding,

The person who introduced me to the platform doing the trading at night and kept telling that afternoon had one big price movement, therefore must do the funding fast in order to cash in on the trade opportunity.

I checked with one of my source in US who was the cryptocurrency analyst and I sent the link of the website to them for verification.

The results came back and informed me someone had actually lost USD $100,000 in this platform and not able to get the money back.

Some other findings.

The platform did not even have the following:

"WARNING:

Never make payments to any external wallet addresses or account details provided by anyone (trader, manager, staff, etc). Our Staff will NEVER ask you to send money to any wallet address, email, WesternUnion, Skrill or Bank account DIFFERENT from those provided on our website. Customers who do so, do so at their own risk. Always write to our support/email to confirm any of such claims."

Conclusion

If really want to trade in cyptocurrency, it is better we do our own due diligence and find out which platform can be used.

it is better we make sure the platform is properly regulated by relevant authorities.


If you have any comments and feedback, do feel free to put your comments and feedback in the commens section below.  I will be happy to answer your comments.

We all want to be loved.
And the opportunity to give love in return.
But what happens when the love you give is misunderstood or the love you receive doesn’t feel like love to you?
We give love to others in the way we wish to receive it but in many cases our desire to make someone else feel loved, backfires.
No matter how hard you work to show your partner how much you care about them, they just don’t feel loved

According to author Gary Chapman, there are 5 core love languages.
Each of us understand one of these languages but may completely misunderstand the other 4.
Learning the different languages and listening for the one that your partner understands can have a huge impact on your relationship.
When you know what someone needs in order to feel loved, you can use words and actions to demonstrate your love in a way that they understand.
Speaking the language of love is a key component in avoiding misunderstandings, resentment and conflict.
When we feel loved, we want to do more for the other person. And so the cycle of love grows and blossoms.
Our most basic emotional need is not to fall in love but to be genuinely loved by another, to know a love that grows out of reason and choice, not instinct.

Which love language do you speak?

And which one does your partner speak?

Words Of Affirmation
One way to show love is to speak in a way that affirms the other person. You can do this by complimenting your partner.
“Your hair looks beautiful today”
“ I love how you look in that suit”
“I love how you make me laugh”
Verbal appreciation is one of the most powerful languages of love there is.
When you pay someone a compliment it lets them know you see them.
That you notice them and appreciate them.

 Quality Time
Just because you live in the same house, doesn’t mean you spend quality time together.
You may sit in front of the television together in the evening but there is a big difference between quantity and quality.

Quality time involves giving your undivided attention to your partner.
Time without distractions and outside of your usual routine. Think back to when you were first dating. You wanted to know everything you could about them; you couldn’t get enough of each other.
But the busyness of life has a way of getting in the way of love.
Or more correctly, the demonstration of love that we each need in order to feel appreciated.
If your partner’s primary love language is quality time, make the effort to go on a date, go for a walk by the beach or through your neighbourhood.
Remove yourselves from the distraction of your routine and take the time to be completely present with each other. There is no surer way to reconnect and reignite your passion.

Receiving Gifts
Love is not about money but for some people, the act of giving is a key component in feeling loved.
Valentines Day may have become overly commercial but the intention behind it is pure.
It’s a chance for you to show your partner how much you love them through the giving and receiving of gifts.

But why wait until Valentines Day?

When you give an unexpected gift, it lets your partner know that you have been thinking about them.
That you know them well enough to find the perfect thing they will love.
If your partner’s face lights up when you give them a gift, then you can be fairly sure this is part of their core love language.

Acts of Service
For some people the greatest demonstration of love is to see you do something you know they will appreciate.
This may be as simple as cooking a meal once a week, or taking care of the kids for a few hours on a Saturday so your partner can have some time to themselves.
Or it could be giving a foot massage, cooking a special meal or simply emptying the dishwasher.
This is not about stereotypes and role definition but about making the time to do something to make your partner’s load a little lighter.
Making the effort to share the load really lets your partner know that you see how hard they work and that you are there for them.

Physical Touch
We have long known that physical touch is a powerful way of demonstrating love for your partner.
Embracing, kissing, holding hands and sex are special acts which you do not share with anyone else.
For some people, physical touch is vital. Without it, they don’t feel loved.
Physical love allows these people to feel secure in their relationship with their partner.
It can be as simple as touching their hand as you walk through the room they are sitting in. Or a hug and a kiss each morning and evening as you leave and return to house.
It doesn’t take much time or thought but can mean so much to your partner.
It is so easy to fall into routine with your partner and forget to show them how much you love and appreciate them.
But for a relationship to survive, both people must feel loved, seen, appreciated and secure.
Without this, arguments and resentments can arise creating friction that runs like an undercurrent through your relationship.
And when someone doesn’t feel secure and important to their partner, they may look for that feeling somewhere else.
Knowing your love language and discovering the love language your partner speaks, is a powerful way to transform your relationship and reignite those feelings of love that you are looking for.


How wonderful it is to laugh. It’s infectious.

When laughter is shared it bonds people together and creates intimacy. Laughter also triggers healthy physical changes in the body, It helps to strengthen your immune system, boost energy, diminish pain and protect against the harmful effects of stress, and it’s free!

Laughter is one of the fastest ways to bring balance back to your body and mind.

It lightens your burdens, brings hope and keeps you grounded, focused and alert.

Laughter triggers the release of endorphins in the body which makes you feel good. Humour helps you keep an optimistic attitude even through disappointments, loss and grief. More importantly it gives us the courage and strength to find new meaning and hope for the future.

Even in the most difficult times, a laugh or even a smile will lift your mood. Laughter helps you be more spontaneous, and it lets you forget judgements, criticism and doubt. Your inhibitions are also reduced when you laugh giving you the chance to connect with the real you.

You’ve probably heard the saying ‘laughter is the best medicine’.


Laughter really does help to heal your body and mind. The flow of lymph fluid is increased by the simple convulsions that occur when we laugh. This boosts immune system functionality and cleans out old dead and waste products from your organs.

As you laugh you take in big gasps of air causing the oxygen levels in your blood to rise. This ensures all the organs in your body receive rich, oxygenated blood to repair tissue and provide healing.

Studies have shown that cancer cells are destroyed in the presence of oxygen, as are certain parasites and bacteria.

Increasing the levels of oxygen in the body can help with both the healing and prevention of various diseases

Laughing boosts circulation due to the very fact that as you laugh, you are exercising your abdominal muscles, the muscles in your face and enhancing flexibility throughout the body. The harder you laugh, the greater this effect.

The skin is the biggest organ in your body and in times of stress our faces can look drawn and tired. Increasing the flow of oxygen to our skin will improve the colour, reduce wrinkles and improve the overall texture.

Add to this the sparkle your eyes will have as you add joy to your life, and you will look and feel more attractive.

Serotonin is essential for balancing brain chemistry. It aids in fighting depression, compulsive and obsessive thinking and reduces the harmful effects of stress on the body.

Serotonin is a naturally occurring chemical in the brain, however, in times of stress and grief the body’s ability to produce it can be severely reduced. Sunshine and laughter can aid the body in producing this chemical naturally thereby improving your mood and overall mindset.

Health Benefits of Laughter

  • Boosts Immunity
  • Lowers Stress Hormones
  • Decreases Pain
  • Relaxes Muscles
  • Prevents Heart Disease
  • Eases Anxiety and Fear
  • Relieves Stress
  • Enhances Resilience
  • Attracts People to Us
  • Helps Diffuse Conflict
  • Enhances Teamwork

Due to the significant difference healthy brain chemistry can make to your life, adding laughter on a daily basis makes a lot of sense.

You can build laughter and joy into your everyday life in the same way you would add exercise.

Easy ways to add joy include the following:

  • Watch a funny movie or television show
  • Share a good joke or funny story
  • Host a game night with friends
  • Play with a pet
  • Do something silly
  • Play with children
  • Seek out funny people
  • Do a fun activity (bowling, mine-golf, karaoke)
  • Go to a ‘laughter yoga’ class
  • Check out your bookstore humour section

When we are struggling with major adjustments we can take life much too seriously. Lighten your mood by adding some fun into your day. Choose to find the funny side of a situation.

Share your embarrassing moments and don’t take yourself so seriously

Look for the humour, the irony and absurdity of life in a bad situation

Keep a toy on your desk, a photo of you having fun or a funny poster in your office Pay attention to children and emulate them

The ability to laugh, have fun and play with others not only makes life more enjoyable but it also makes you more creative helping you solve problems and connect with other people in your life. Life brings challenges which can either ‘get the best of you’ or which you can use to become ‘the best you can be’. When you become the problem and take yourself too seriously, it can be hard to think outside the box and find new solutions. When children are confused or afraid they make their problems into a game and thereby have the ability to step back and find creative solutions. We can learn a lot from the way children view life.

If you think this article is helpful to you , please give your comments and feedback  below, and I would be more  than happy to reply.

If you need to find out more about topic of this nature, you can try out jaaxy.com here

Resource

This is an article by Ms Allanah Hunt who has been a good source of inspiration and have good wisdom which i feel need to share with you all.

Share wisdom of Allanah Hunt

12

Keywords, the word every internet entrepreneur has to get used to, is the magic word to help to attract internet traffic to the websites.

Everyone who wants to be successful in internet business, be it those who are old timers or beginners.

And keywords will still be the go to catch word if one wants to be successful in online business.

Then, the question arises, how do we go about finding keywords?

There are a lot of keywords research tools and website in the internet, and I am not going to go into details of those websites or tools such as Jaaxy, keywords tool.io, wordtracker.com and so on.

 


There are quite a fair bits of reviews being done on Jaaxy, hence I am not going to do another review for Jaaxy.

What this article is focusing on is

  • what do we do after we use Jaaxy to find our keywords and
  • how do we write an article using the keywords we have researched.

There are a few steps we need to take in order to use the keywords to write an article.

1. Search for the keywords of the niche you are going to be promoting.

Usually people will use the keywords research tools to search for the popular keywords phrase.

A good search engine will have some features to indicate which are most popular and most searched keywords phrase.

2. Compile a list of keywords and keywords phrase

Before you write an article, it is advisable to use the keywords tool to compile a list of keywords.

In Jaaxy, you can easily compile and prepare a list of the keywords.

3. With the list, we can decide and determine how to go about creating the article we want.

Normally, in writing an article, we will usually ensure there are certain amounts of keywords use in the article,  so that the search engine can pick up and drive traffic to the website.

4. Work out a frame work of the article base on the keywords prepared.

Once we have determined which keywords we are going to use, then we can start preparing the framework of the article, and see how we can effectively use the keywords and write a good article.

5. Putting the final work into completion.

Having decided on the framework, we can now start writing the articles.

Benefits of having keywords searched.

  1. Since we have the keywords readily available, we will discover it is easier to write the article and the flow of thought is free flowing.
  2. If we find it typing out the article is a tedious effort, perhaps we may want to use video or visual, and record a video and put in the website.

Nowadays, people tend to watch and listen instead of reading article, so using TIK TOK, YOUTUBE and any video recording may be a good idea to convey your message.

And using the keywords researched, we can prepare a good article.

IF you have any comments and feedback, please feel free to leave your input in the comments section below.

I will be glad to share and exchange ideas with you.

Key Words Search?

 I wish to share a good article by Ms Allanah Hunt on how to improve Empathy.

Hopefully those who have the opportunity to read this will gain some useful knowledge on improving their empathy.

Empathy is a very important skill. It helps us develop deep levels of rapport and trust, both of which are vital for the success of our relationships as well as our interactions in the workplace. Having poor empathy skills can lead to unnecessary conflict born out of misunderstandings.

In business, the key component to our success is understanding the needs of our clients, patients, customers or staff. If we don’t focus on ‘putting ourselves in their shoes’, we will make catastrophic mistakes which can lead to failure.

The dictionary describes empathy as “the ability to understand and share the feelings of another”.

Understanding the importance of empathy and employing those skills are two different things. It is only when we act with true empathy that we can create connections that are long-lasting and real.

There are some instances where acting with empathy can feel overwhelming. It is important to learn how to balance our empathy for others with the need to take care of ourselves or we will burn out completely.

So what can we do to build empathy skills and improve our relationships with those around us?

Pay Close Attention

This might seem like a no-brainer but in truth, we are often so distracted by our mobile devices, what is showing on the television or our need to tell our own story, that we don’t really notice what someone is telling us. Just because you hear the words someone is saying, doesn’t mean you’ve heard them. Improving your listening skills will help you pay more attention to others and allow you to pick up on the emotions behind the words.

A great way to raise your ability to pay attention is to watch television with the sound off. In this way you can watch the interplay of emotions between the various characters and learn to pick up cues which will help you follow the story.

Distance Yourself From Stereotypes And Find Commonalities

We all have preconceived ideas about others based on the media, our peers and our own observations. But when it comes to individual interactions, we must put those aside and find a way to connect with others.

The best way to build a connection is to meet people where they are. Everyone has a story and if you take the time to listen, you might be surprised at what you discover. Sometimes the people we understand the least have the most to teach us.

Agree to Disagree

There may be occasions when you don’t agree with someone else’s view of a specific situation but where you can nonetheless recognize that empathy is required. This is particularly important when somebody is having a strong emotion and asking you to do something you can’t do.

Sometimes all that’s required is to listen and convey what is called cognitive empathy. It is possible to be authentically empathetic to show you understand what they are experiencing without having to agree.

Learn How To Respond

It can be very difficult to know what to say in response to someone, and to determine when to keep quiet and when to speak. Learning how to respond takes practice but a good rule of thumb is to simply acknowledge their feelings without giving advice. This is a hard one but the art of empathy is largely about ensuring that someone feels heard.

Practice saying statements such as, ‘I’m sorry this happened to you’. Say it several times to yourself in the mirror so that you can see the expression on your face when you speak. Watch empathetic leaders to listen to the tone of voice they use as well as their facial expressions.

In order to truly connect with others, we must allow ourselves to be vulnerable and potentially show emotion in response to theirs. It is not enough to put on a face or modulate your tone of voice. Empathy is conveyed through feeling rather than the words we use.

Strengthen Your Connection With Yourself

It is impossible to show empathy to others if you don’t have a strong connection with yourself first. As you show empathy to yourself, you will develop the ability to truly connect with other people’s emotions in a way that adds kindness, compassion and understanding to their situation.

Think about times when you have faced a difficult situation and what you might have needed at that time. Did your friends and family show empathy? What did that look like? What made you feel supported or unsupported? If you felt unsupported, what empathy did you show to yourself that helped you overcome your own difficulties? As you explore this, you will begin to put together a clear picture of how empathy can help others.

Empathy is a multi-faceted skill that will require practice and the ability to be flexible. Not everyone will want the same response from you so it’s important to be able to recognize subtle nuances in someone’s posture, facial expressions and tone of voice. And it’s just as important to become aware of the time when even though someone seems to be emotional, they may not wish to interact with you.

Please reply back and let me know how this article was helpful to you <3

Wishing you an amazing day 😉

Allanah Hunt

Work From Home, a phrase which normally associated with people who use internet to earn some passive income and achieve financial freedom.

Before COVID-19 Strike

Well, that was before 2020, that was before the COVID-19 pandemic created a big mind set change in people conduct their business.

Last time when you told people that you worked from home, the impression given to people was:

  • you were not having a normal job,
  • you were using internet to earn a living, or commonly known as Internet Entrepreneur.

After COVID-19 Strike

Covid-19, a pandemic which forced a lot of businesses to close their office premises or operating outlets, since one of the effective method to contain the spread of this was to curtail the movement of human.

To do that, one of the effective way was to ensure the business outlets close their offices and business outlets.

Staffs need to work from their home so as to reduce the risk of getting infected while commuting to their work place.

With the advancement of technology, office staffs can actually use  internet to do their work, after all when they are in the offices, they are also using internet to access the required information or communicate with fellow workers.

In view of this, with most of the work done online, as long as you have internet connection at home, you will be able to carry out your work from home.

Why work from home?

Work from home reduce the human interaction and thus reduce the transmission of the pandemic through close contact.

Governments encouraged people to work from home, so that the public transports and the malls would have fewer people mingling around.

The New Normal post COVID-19

Therefore, nowadays with the new normal, Work From Home is no longer the privilege of those who earn their living having their businesses online and transacted through internet.

Now if you ask a person whether he works from home, next you need to know

  • whether he is working for himself or
  • he is just another office worker who has to work from home

So for those businesses whose staffs have to work from home, or can work from home.

What are the advantages and disadvantages you can derive from working from home?

Photo by Andrea Davis from Pexels

Pros of working from home.

1. Safer for the staffs who have to work from home.

They do not need to join in the rush to commute to office,  and get infected accidentally due to close contact with people who may be the carrier of the virus, or who does not know he is sick.

2. Businesses still can continue to operate.

Staffs are still doing their work even though they are not physically in the office to work.

3. Companies need less big office space.

By having staffs to work from home, companies suddenly find out -  they do not really need such a big office space to accommodate the staffs, hence, they can reduce their rental on office spaces.

4. Companies' save on utilities bills.

With most of the staffs work from office, electricity consumption will be less since they will not need to have all the air conditions on.

5. Savings on Office supplies.

Since staffs are working from home, those companies which provide beverages and so on will save quite a lot on this.

Con of workings from home.

1. Less interaction among the staffs, may mean the rapport among the staffs may not be that good.

2. Messages and instructions from the bosses may not be conveyed promptly and clearly, any further clarification may not be possible.

3. Productivity of the staffs may not be as effective as in office due to some distraction at home, some females staffs may need to attend to house chores or issues at home or family matters such as kids' matters.

4. Meeting conducted over video conferencing may not be as effective as the physical in person meeting where ideas can be shared freely.

5. For some staffs, this may create some weight issues since less walking or movement and too comfortable for them at home.

6. For some building owners, this can be a not welcome news and development for them, since their tenants may decide to cut down their office rental space once the current tenancy is over.

There are a lot of service office facilities offering full services to cater for those who only need a room office instead of a big office space.

7. It can be bad news for staffs who are sick or medically not well, the boss may say after all you are working from home, while in between your rest, you can do some work!!!

What are the challenges we face working from home during COVID-19 pandemic?

1. Balancing between working life and family life

When both are working from home, we can face the following situation:

  • different working style or business,
  • with different works or video meeting to attend to,
  • attend to the needs of the kids at home.

This is quite a challenge for both husband and wife to work out.

2. Do you create a work environment at home?

This is something a lot of people working from home has to deal with.

If they do create a similar working environment, then:

  • they may have to face it 24 hours a day,
  • instead of just 8 hours as working in the office.

Then how to have normal family home life?

Without looking at the work?

and have your rest to recharge your energy?

3. Being cut off from co-workers

The link and cordial relationship and rapport with co-workers is not there.

If you need to talk to your co-worker:

  • either to discuss on work issue or
  • just to catch up for latest in life or whatever,
  • you can only hear the voice or via video conference.
4. Do you dress up while working from home.

A lot of people tend to dress casually at home even work from home.

If there is a need to have video conferencing, then dress up a bit.

Sometime the worker may have no choice,

Why?

The boss wants to have a video call!!!

The staff will have no choice but to dress up properly.

Can every business work from home?

There are some who can work from home, there are some businesses which require the staff to work on site.

Whether work from home is good or not,  and whether the quality of work is up to the standard or not, depends on one's own judgment.

For those who like to have colleague surrounding them, and who like instant answers and replies, work from home is definitely not his cup of tea.

At the end of the day, balancing between working life and family life in the same place for 24 hours a day, that is a big challenge and shift in mind set.

Financial Planning and its key components

What is Financial Planning?

Financial Planning is a process whereby one tries to determine his financial status, and set a financial goal and means to achieve the goal set.

As one old saying usually quoted – "if you fail to plan, you plan to fail."

To put it simply, without a proper financial plan, a person will not know his financial needs and wants now and the near future.

Overall, we will be more focus in our daily financial requirement and will have the meaning goal to strive for if we have good financial plan.

Why do we need a financial plan?

To organize and plan our financial requirement in a more orderly and structured manner, ultimately we need financial plan.

By having good financing planning, we can work out our objectives, policies, procedures, program and budget our financial activities,  at the same time to ensure we have an effective and adequate financial measures.

The importance can be outlined as-

  1. It enables us to have adequate funds.
  2. We have a balanced inflow and outflow of funds and as a result have a stable cash flow.
  3. Helps us in ensuring we have growth of funds and in the long run we can have better survival in any financial crisis.
  4. It ensures that the surplus of funds are easily invested in instruments which generate good returns.
  5. Eliminates any uncertainties with regard to changing market trends which can be faced easily through enough funds.
  6. Reduce the uncertainties which can be a hindrance to any ventures we want to embark in.
  7. Financial planning plays an important role in our daily life and we need to pay serious attention to it.
  8. Financial planning will help us in a long run, especially in time of crisis.

What are the main components of Financial Planning?

  1. Debt management
  2. Risk management
  3. Investment planning
  4. Tax planning
  5. Retirement planning
  6. Estate planning

All things considered,  if we follow the above six points to work out our financial planning, generally speaking, we do not even need to consult financial planner to devise a plan for us.

Benefits of Good Financial Planning

  1. We can become more discipline, set our priority and work diligently towards the goals we set.
  2. A good financial planning especially in this COVID-19 pandemic time can help to give protection to us for unexpected illness and loss of income.
  3. We can enjoy financial freedom when we retired and do not have to worry about money.

Conclusion

In short, we only live once, so we need to make full use of our live now and enjoy ourselves by having a good financial plan.

Would You Like to Know Exactly What to Eat to Lose Fat and Get Healthy Without Giving Up Your Favorite Foods or Starving Yourself?

This is the common question people ask when they want lose weight, especially nowadays with this COVID-19 pandemic creating havoc in everyone’s life, and forcing people to stay at home and work from home.

By staying at home, one tends to put on weight, all the more so when you are not able to go out to do your usual workout or just take a casual walk in the park.


If you're serious about achieving permanent fat loss, and a complete health transformation while eating your favorite foods every meal…then perhaps you may want to try out this diet plan

It was reported that modern science especially those in diet and food science claimed that there is a diet which can strip off body fat while still allowing you to eat good food which usually will let you put on weight.

People usually have the opinion that they can not lose weight because they are genetically “doomed”, however, please do not be despair, no matter how frustrated you are after trying so many diet plans, you can still have the body shape you are looking for.

You see, getting into fantastic shape isn't nearly as cruel as nutrition and fitness “gurus” want you to believe.

Do you know the four most common diet mistakes that most people made in their efforts to have their dream body shap?

Mistake #1

Not being in a calorie deficit

I read somewhere the following:

“According to some “experts,” losing weight and keeping it off is all about controlling the types of food you eat.

They say particular foods are "fattening" because they pause fat burning and cause a hormonal environment that leads to weight gain... while other foods "balance" the system and stimulate fat loss.” Unquote

This is quite true, however this does not really give you the real picture of what actually is.

If you really want to have an effect weight loss and happy to see the scale number is thumbling down, you must make sure you have a diet of deficit in calorie.

A simple theory is, the more calorie you take in, and less calorie burnt, then you will definitely see the increase in the weighing scale pointer, likewise if you burn more calorie than you consume, the scale will come down.

According to one professor of human nutrition at Kansas State University, Professor Mark Haub, in his case study, he proved the above theory of more calorie burnt with less calorie intake

“He carried excess pounds and, knowing the importance of calorie balance, decided to do an experiment. For two months, he only ate foods like Twinkies, Oreos, Dorito, and protein shakes while maintaining a daily energy deficit of 800 calories.

The result? In just two months, he lost 27 pounds and reduced his body fat from 33.4% to 24.9%.”

If you want to lose fat, you must be in a calorie deficit.

Mistake #2

Severe calorie restriction that gives you the metabolism of a 90-year-old lady

Severe calorie deficits screw up your physiology. That's why almost all low-calorie dieters regain the lost pounds when they stop the program... plus, most often gain some more on top of that.

That is what is common knowns as “rebound”

Our body works in such a way that it can adjust itself if you are starving yourself, it will slow down the metabolism in order to prevent you from losing more weight

As a result, your body’s metabolism will plummet to prevent you from losing weight. This means that as soon as you come off your diet, your body will store as much food as possible as fat to prepare itself for the next starvation.

That’s why it’s essential to eat according to a calorie target fine-tuned for your body, your situation, and your goals.

Mistake #3

Thinking all calories are created equal

Most people want to lose weight in order to have a healthy body and also try to look better in appearance and as a result of it, give people an impression of a confident person.

So if your main objective is to have a healthy body and good feature, you should aim to have fat loss instead of weight loss because fat loss is actually better as you may lose weight but still carry a lot of fat which is not healthy at all.

In term of fat loss, it is important that we look at our intake of protein, carbohydrate and fat nutrients in the food we are taking. This is to make sure our body set up the food intake in response to the meals we are taking.

It is important to know that if we take in too much carbohydrate, this will defeat our effort to maintain a calorie deficit diet as carbohydrate actually increase the insulin, a hormone that stall the fat loss in one or two ways.

  1. Elevated insulin levels block the release of fat from your fat cells. And if your cells can't release fat, your body can never burn off the excess.
  2. Elevated insulin levels cause the storage of energy found in your bloodstream to morph into body fat cells. This means the energy won’t get burned off by tissues like muscle but instead snakes its way around to places like your hips and abs.

That’s why researchers call insulin the "fat storage hormone," and that’s why carb-rich diets make it nearly impossible to lose fat.

Mistake #4

Following an unrealistic, overly restrictive diet

Whenever one embark on a diet program, initially they will have the will power to follow the restrictive diets plan, until the day their  willpower run out and decide to give up on the diet plan.

It could be because of the desired result is not apparent, or the willpower is low now

If one does not have the determination to see to the end of the strict diet program and along the way, may make some more restrictive plan or listen to some one who claimed his or her method is more effective, however after a few weeks, the results do not seem to be very satisfactory, one may decide to call it a day and go back to indulging in good food and say -why suffer, just enjoy good food!!!

A Keto Meal Plan Customized to Your Body, Situation, Goals, and Taste Buds

What is a Keto Diet Plan?

( the following are quoted from the promoter of this KETO Plan)

A keto diet is an eating style where you consume almost no carbs, moderate amounts of protein, and high amounts of dietary fat. So, you’ll be eating tasty high-fat meals like ribeye steak with roasted garlic and butter.

“Why would you do that?” you may wonder. Well, a very low carb intake puts you into a state called “ketosis.” You see, under regular circumstances, your body relies for the most part on glucose (the stored form of carb).

When you minimize your carb intake, however, there's not enough glucose available for your body to fuel all its functions. And because some tissues like your brain cannot use fat for fuel, your body needs an alternative energy source to stay alive.

That’s where ketones come in. Ketones are chemicals produced in your liver when glucose is scarce. Various tissues like your brain can use these ketones for fuel when glucose is absent.[28] That's an excellent outcome because, otherwise, you would die.

Now, when your body uses primarily ketones and fatty acids for fuel, you're in a state called “ketosis.” That’s invaluable because...

Ketosis Gives You an “Unfair” Advantage on Your Fat Loss Goals

Reason #1

Significantly increases fat burning

Reason #2

It’s simple and easy to follow

Reason #3

Hunger cravings will fade

Reason #4

You don’t have to exercise to reap the benefits

Reason #5

It’s healthy and safe

Reason #6

You’ll lose weight like clockwork

If you want to learn more about this KETO Plan, Click HERE

...continue reading "‘Custom Keto Diet’"

Investment Scams, is it common in today's environment?

How do we avoid investment scams during this COVID-19 pandemic when everybody is desperate to make more money?

With this COVID-19 pandemic creating havoc in everyone's life and businesses,

  • most people are affected badly,
  • some even lost their earning power,
  • some are short of financial resources and desperate to find ways to increase their income.

What people will do in desperate situation?

  • Some people are looking at ways to earn a living,
  • or improve their income,
  • others will think of investing in some financial instrument,
  • they hope this will be the way to go and earn more income.

Why do people invest?

With the bank interest rate at all time low, people will believe putting their money in the bank will not give a good return.

Human being by its nature, will always look for high return on investment.

Hence we will tend to look at investment instrument to boost up our returns and make more money.

Therefor in the eagerness to go after high returns on investment, people tend to forget the basic rules of investment.

The saying of Too Good To Be True especially those schemes which promised return of investment of more than 10% per month.

Some reports of the Investment scams and their methods

In the News published by The Straits Times of Singapore on 3rd April 2021,  under the heading - Promised Big Returns, Only To Leave Many High And Dry.

The Straits Times reported that a total of 15,756 scams in 2020,  and one of the scams involved cryptocurrency trading platform.

There are quite a few such platforms in Singapore.

MAS - The Central Bank of Singapore, more commonly known as Monetary Authority Of Singapore, does not regulated some of the platforms of cryotocurrency.

Even the Prime Minister of Singapore also said in his Facebook page that some platforms used his profile, see the link .

You can see those scammers will take whatever actions and tricks they can, in order to get people to invest in their platform.

Every day, we can read about people being scammed, and with internet now more popular, and easily accessible in everywhere, it is even easier for scammers to take advantage of human greed and cash in on this.

How do we detect and learn how to spot investment scams?

You may want to consider the following points:

1. Risk Factor

Every investment carries risk, and if someone tells you, what they offer do not have risk or very low risk, go back to the basic motto of investing -- Too Good To Be True.

What do you need to do when you come across such a plan?

  • With internet and other resources, if one come across such an investment plan,
  • do carry out your due diligence and research,
  • especially for those investments plan, which claim to offer very good return with low or no risk.
  • If this is being offered online,
  • you can not even meet up with the promoter of the plan.

it is advisable to just drop this plan.

2. Prove of track records

When someone promote their investment to you, and claimed they can generate good and high returns,

Please carry out the following steps to check

  • do ask them to show documentary proof,
  • that they themselves have used the same plan,
  • and generated so much profit,
  • Meanwhile to make sure the proof being shown are statement from a Trading House or Bank,
  • which showed the promoter account with the transactions,
  • if the promoter of the investment plan is not willing to provide such a proof of track records,
  • hence, it is advisable to walk away from such investment plan.

3. Regulatory Framework

For any investment scheme, we need to ask the following questions:

  • Is the scheme is approved and monitored by the Center Bank of the country?
  • where the investment plan is originated, are there any chances the scheme is a scam?
  • even if it is not a scam, can the investors get back their money?
  • Moreover, Is the investment money protected?
  • What happen in the event the investment go south and fail to generated the returns as promised?

4. Guaranteed Returns and Investment

If the investment plan promised guaranteed return and investment amount is protected, all the more we need to carry out a thorough due diligence.

  • Check with the relevant authority of the authenticity of the plan,
  • Who are the people behind the plan,
  • Are they on the white list or not.

5. Influence Tactics

Some plan will always tell you the offer is expiring in one or two days,  if you do not take advantage of it, you will lose a lucrative return or discounts being offered, which on the surface of it, look like a good bargain if you invest now and can get an even higher return than promised.

This tactic is to take advantage of human perception that scarce opportunity is a good item, and should take advantage of it.

6. Referral Scheme.

Some investments scheme offer referral scheme, that is, if you bring in certain investors, the platform will reward you some monetary rewards, or certain percentage of the invested amount of the investors you bring in to the plan or scheme.

It is quite unusual for any scheme to offer commission to investors who bring in investors to the scheme, if it is a legitimate scheme, all they need to do is to just publish a prospectus and let those who are interested to invest in, no need to incur additional cost for the plan.

7. What Are Available For Investor To Verify.

In Singapore, one can always go to Monetary Authority of Singapore (MAS) website to check on the validity of the investor plan, and if it is an oversea plan, they always search on the net with website like the SEC alert list such as .

1. https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-alerts/investment-0

2. https://www.usa.gov/scams-and-frauds

These are just some issues about investors scam which we should be aware of.

You only live once, thus, it is important that we do not waste our life savings to scammers, in our eagerness to generate more returns on our investment.

Investment scams

To understand more on what we can do to detect fraud and scams, perhaps you want to learn HERE

if you have any ideas or wish to share your experience, do share it below in the comments section below.

What Is Investment?

Investment, a word which make a lot of people think, this is how to have more money, and is the way to have more money and gain some income.

When Did Scammers Strike?

However, a lot of people have not been successful in their investment, especially during depressing environment, be it business, economic, health whatever.

Consequently a lot of people, in their desperation, try all sorts of investment methods, and ways just try to make money or recoup whatever is lost.

And this is the time, crooks and scammers thrive on human greed, and take full advantage of the vulnerability of human, as a result of which, this further make the investors lost more instead of recouping their losses.

According to Federal Trade Commission in its report stated that in 2020, they received more than 2.2 million reports about fraud, and about $3.3 billion was lost, you can read more about this in here.

Why People Fell To Scammers?

The problem is a lot of people think it will not happen to us, just like a lot of people think, they will not be infected with COVID-19 virus, even though they do not take the basic precaution, like wearing masks or wash hands often. If we have this assumption, and lay down our guard, or get greedy with some money making opportunity, we may regret our action later.

The crooks and scammers are much more sophisticated, with their intelligence, just wonder why don't they put their skills to good use, maybe they find it easier to scam, and con people, so they can make a lot of money.

So what are the usual or the latest tricks these scammers employed?

1. Too good to be true investment platform

A lot of times, some platforms claim they can generate return on investment way above the norm.

Some investors tend to believe this lucrative returns, and decide to invest, only to find out later it is just another Ponzi Scheme in operation.

Most of the time, investors do not bother to carry out some due diligence and find out more about the platform before investing.

2. You are approached to invest in certain investment plan.

When someone approach you and tell you, that he has a fantastic investment scheme, whereby, if you invest, you are able to make a lot of money, this is actually a red flag for you.

You should raise doubt about this too good to be true investment plan, sadly, a lot of people decide not to take more action to find out more about the scheme.

3. Use of the latest technology

Scammer usually have the following in their website:

  • Videos about their products or investment plan.
  • Testimonies in video presentation from supposedly successful investors who reap huge and handsome returns.

Upon seeing the videos, some people tend to believe the investment plan is genuine.

They will think this investment product can be trusted, unaware the crooks have created the videos just to impress people.

If one bother to check and do more research, they will find out similar videos have been shown in other investment plan too.

4, The Truth Secret of the Successful Investment Plan

If a marketer wants you to invest in the product he is promoting, and claimed that his method and technology is more advance and easier to make profit,.

What will you do?
  • Do you believe in him and jump in and give him money to invest for you?
  • Did you ask him what his secret is?
  • How is his method successful?
  • Whether he can show some proof to substantiate his claim?

If he refuses to show you some concrete evidence, that by using his method or technology, you can reap handsome profit in investment, you need to raise red flag, and be alarm of possible fraud and scam

5. The Most Vulnerable Group

Which is the most vulnerable group for investment fraud?

The group which is more prone to financial fraud, is the retiree group with huge sum of money, as they tend to make payment for one lump sum distribution.

We need to educate those retirees:

  • Not to hand over their money to someone,
  • Wary of some one who claim can help them to grow their money.

Fraudsters are good at evoking emotion, especially among the older retirees, to hand over their money in dubious decision-making.

6. Is there a thing called Secret Formula in investment?

if someone approach you to invest with him, claiming he has invented a secret formula in investment, and sure make money.

Before you jump into the opportunity, do the following:

  • Do ask him to show some hard evidence his secret formula has generated huge profit for him.
  • Ask him to show his trading records,
  • bank accounts statement showing he has made so much money
  • using his so called secret formula.

If he fails to do so, or is not willing to do so.

This is the sign  you should just walk away from him.

7. Awareness of possible fraud.

The moment we accept the fact that we all are at risk to fraud, be financial, or otherwise, then we can safely say, we are at least at a certain level of awareness.

Who are the vulnerable group?
  • People who believe they are not vulnerable to frauds, and
  • these are the people who most likely fall into the trap,
  • After all they are not going to take necessary steps to protect themselves,
  • they are not aware and alert of fraud.

8. When Do Fraud Happen?

Fraud cases happen now and then.

It is more severe and rampant during crisis or disasters.

For example, the current COVID-19 Pandemic which has affected people from all walks of life, with people losing jobs,  businesses badly affected and forced to close.

When do fraudsters strike?
  • When people in general are eager to generate income,
  • In order to ease the financial strain.

9. Have some knowledge especially financial knowledge to be aware of fraud

Nothing beat having the knowledge, and able to identify possible fraud.

As mentioned by one expert, she said “Prior knowledge about fraud, even generally, is particularly helpful in avoiding victimization,” .

You can learn more about what she said in HERE. 

If you want to learn more about detection of investment fraud, click HERE

If you have any comments and feedback, do give your opinion in the comments below.