This blog is dedicated to advise and to educate my fellow readers on money management. Financial planning can be a sensitive subject sometimes. Most people don't really like someone budging into their personal life's budgets, and telling them this or that. But I really feel there's nothing to be ashamed or personal about. In fact, I wished that there was someone who could've came into my life earlier and teach me more about planning my finances wisely.
So, instead of wishing that someone could've came into my life, I decided to become that very person. :)
I'm a financial planner.
Your financial planner, if you're reading this from now on. :)
All of my postings will be based on my personal research from books, seminars, real life experiences, maybe even segments from magazines and newspapers. So, there's no correct way, or the only way. Just advice and views that worked for a lot of people.
Maybe somewhere along the line I'll talk about my business and career too. ;)
Anyway to start off, I'll post this question for you to ask yourself :
"Do you think you need financial planning?"
" What is financial planning?"
It's simple. Everyone needs money right? Everyone receives money. Doesn't matter if you're working, studying, or doing neither. If you don't have money, you don't eat, you don't drink, you don't sleep. If you don't do either of that, then you must be someone I can't see physically at all reading this very article. ( freaky!)
So, you receive the money.
Picture this, I give RM 100 to a 4 year old kid. And I give RM 100 to a business man.
Both of them receive the same amount of money. But who do you think will make better use of it?
Why?
Think..
It's obvious because the business man had more experience and education on how to use his 100 bucks!
Same goes to you. What if there were someone to teach you how to use your allowances, or your salary to achieve your dreams? What are you thinking of now? A brand new car? A house? The financial freedom to buy new clothes without feeling the pinch? Sounds good, aye? Or even have the power to tithe or give even more to church?
I'll admit I do have this dreams.
The first step, is to admit that we need to educate ourselves. Once you've passed this barrier, then journey with me, as I willingly become your financial friend and adviser.
Stay tune to for more.
Joshua Chiam
ML 5 Sdn Bhd
Block B -10-3A
UE 3 Jalan Loke Yew
Kuala Lumpur
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Wealth Protection
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