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 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?


Custom Keto Diet

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.


Custom Keto Diet

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

https://getokinawatonic.com/sp/vsl-1?hop=tcs6760&vendor=fbtonic

...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.

Why Choose Wealthy Affiliate as the platform for your online business?

Why choose Wealthy Affiliate? people may ask this question when you tell them about your online business.

Instead, I will just write a short note on why choose Wealthy Affiliate, as the platform for me to embark on my journey in online business.

I have been looking for one platform where I can learn, and at the same time, generate some passive income from online business, I have searched online about a lot of (internet) business platforms.

A lot claimed they help people to earn so much per day, some even conduct some training physically however need to pay a hefty sum in order to learn the basic.

What are the usual methods used by other GURUs?

The usual trick by all those who organized seminars before the COVID-19 pandemic are as follows:

  1. Charged a few thousands bucks,
  2. If you wanted to learn more advance skills, you needed to join a so called inner circle,
  3. Inner circle members need to pay a certain fee per month to maintain the membership
  4. These members can access to more advance internet marketing skills and find out the GURU's successful formulae.

Most people will agree, merely attending the seminar is not effective.

Usually a physical seminar organized over two or three days

However It only showed you, the very basic methods or introductory lessons on internet business.

Then what make Wealthy Affiliate different from the rest out there in the market, be it online or physical persons?

Well, I am looking at one platform which can provide continuous learning, also provide support whenever I have some questions or some issues which I am not able to comprehend, and which is not that expensive and affordable.

What Attracts Me To Wealthy Affiliate and Why Choose Wealthy Affiliate?

That is where I came across Wealthy Affiliate, and after going through the website, and studied what it had to offer, I decide to give it a try by signing up as an ordinary member, and going through the limited access of the training and so on.

After a few weeks of using the website as ordinary member, I decided to sign up as a premium member, now that I can access to more in depth topics and learn more, this is quite similar to attending an internet GURU seminar and you need to sign up as inner circle members to gain more.

However, the main different is Wealthy Affiliate is affordable, and before the recent upgrade of the platform, it was quite cheap.

As a Premium Member, one can have access to more topics and support from Wealthy Affiliate team,, especially the technical support team, even from the members who are ever helpful.

Since the fees per year is inclusive of the hosting and access to educational learning, so it is good that once one signs up, really focus on what are offered and learn as much as possible, go through the various training materials, and complete the assignments,

by completing the assignment, one would understand more about internet marketing, and how to make a living using this platform.

The ultimate aim is to achieve your goal of financial freedom and quality family life

Why Choose Wealthy Affiliate

What does the Wealthy Affiliate platform offer?

You can find the followings in the platform, I am only listing some key tools available :

  • Support (Live Chat, Site Support, Q & A)
  • Community
  • Training Courses, Step by Step
  • Weekly Live Classes (and 100's of hours of replays)
  • Online Entrepreneur Certification
  • Affiliate Bootcamp
  • The Affiliate Program
  • Networking
  • Building Websites
  • Website Performance Tools (SiteRubix)
  • Website Engagement Platform (Site Comments)
  • The Hosting Platform
  • Site Content Writing Platform
  • Keyword Research Tool
  • and others

To find out more, you can click HERE to explore more

In Summary, Is Wealthy Affiliate The Right Platform?

For me, this platform will be my focus for the next few months and use this to achieve my goal of financial freedom.

You may want to try out this WA to find out how easy it is to create a website and so on. some example is as follows:

Learn How to insert video in website

IF you have any comments and feedback, please do give your view in the comments section below.

Do You Want To Lose Weight?

Do you have problem of losing the extra weight?

A lot of people, especially females, find to it difficult to lose weight.

Despite trying various exercise programs, some find the results not satisfactory.

After some vigorous program, the rebound is worse than before.

Now you have an opportunity to try out this exercise program, which prove to be effective.

What is Yoga Burn?

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

You can follow this works out program easily.

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

If you decide to try out this program, it will work much better if you can try together with a DIET program at the same time.

Does this Yoga Burn program work?

Any works out program will work if you follow the program diligently, provided you follow all the stages of the program.

In this Yoga Burn workout program, there are 3 phases of the program, mainly Phase 1, Phase 2 and Phase 3.

  • Foundation - help a person to build up a strong basic on which to grow personal fitness results.
  • Transitional - in connection with phase 1, or follow up from phase 1 to work out, the works out flow learned in phase 1, and create a continuity of exercise flow.
  • 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.
  • Also A yoga instructor,
  • Female transformation specialist,
  • Managed to help over 1 million female transform,
  • Certified personal trainer
  • The creator of international best-selling fitness systems for women
  • Programs include Yoga Burn, Yoga Burn Facebook and Instagram Community.

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

Hence , for those ladies who are eager to have a fit body, do try out this, and the results will show.

In Summary

How much are you willing to put in? if you want to have a gorgeous body, which is making head turn when you walk on the street? Yoga Burn is the one for you.

Consequently, 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, with this in mind, we train hard and eat well.

But then 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,  surely it will cause a lot of problems and as a result, it will also 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.

Hence, most of the time, we notice people who have been sitting too long, they stand up and move their hip here and there, however, does this help?

As you can see, weakness, shortening and tightness develops in the muscle through sitting for extended hours, furthermore 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, generally speaking, 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.

Even though it may just provide a temporary relief of the tightness of the hip, therefore 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.

By doing stretching exercise, even though it may help for those who has been sitting too long.

However, in the long run, you want to try some exercise, to loosen your muscle, how about try YOGA?

What is Goal Achievement?

With goal achievement, it certainly creates satisfaction.

Our wonderful life usually happens in the journey towards attaining ours goal.

To attain our goals, we take action based on inspiration, hope and motivation.

However living a wonderful life can happen, regardless of achieving a goal or not.

So if you embark on some fitness program to keep yourself fit, and achieve the goal of reducing your weight, say from 80 kg to 67kg, then go for it.

Assuming 67 kg is your ideal weight, and if you can achieve the goal, it will be a huge satisfaction, and you accomplish your mission.

I have seen my friend trying her best to do some flat belly exercise, and does not seem to get anywhere .

One day, she tried out something, which I have been telling her to do, and it seemed it worked!!

This is just one of the examples of achieving goal set.

Goal Settings and Goal Achievement

In our life, we set a few goals since birth, since the day we started to know our surrounding.

As we enter school age, we set goal to have better grade.

Then we set goal to finish our education at tertiary level.

After that, we start our working life, we set another goal, to reach certain level in corporate world, if you are in the corporate world.

For those who are self-employed, earning passive income in online world, or self-made entrepreneur,  and making  money online, we will set our goal of so much per night.

So is goal setting that important?

Goal setting is just one tool we use to achieve our target.

We  use  goal setting as a barometer to focus on the task we have in hand.

Just like in Wealthy Affiliate journey, some set the goals as follows:

  1. how much money to make per day.
  2. The amount of money to make per week.
  3. What will be the amount we are aiming for per month.
  4. The goal of money made in a year.

We have a sense of satisfaction, the feeling of mission accomplished, when we achieved our goals.

However, the start up may not be smooth sailing, as people thought it was.

Without hard work and hours spent, focusing on setting goals,  trial and errors, we say we have achieved our goal, once we see the light at the end of the tunnel.

goal achievement