LOOKING BEYOND FINANCIAL STATEMENTS - AN INVESTOR'S PERSPECTIVE

LOOKING BEYOND FINANCIAL STATEMENTS – AN INVESTOR’S PERSPECTIVE

In today’s highly competitive and inflationary but low-interest environment, we are not only compelled to invest our money wisely to get much higher returns than the rate of inflation, but we also need to perform exceptionally well to cope with the fast-paced economy. Otherwise, financial freedom will not be within our reach.

Stocks investment is very widely used tools, growing on an unprecedented scale and still growing despite already forming one of the major investments in nay economy. To reap the maximum return, investors are going great lengths to create cleverly strategies such as "Japanese cloud" formations and "economic surprise" indicators. However, no methodology seems to work all the time.

VALUE INVESTING

Contrary to speculation, there is one strategy that absolutely never fails to boost returns, and is often overlooked: value investing. The concept of value investing appeals to those who are relatively conservative and persons who prefer making decisions on analysis of the basic financial strength of a company, coupled with a search for bargain priced shares. This profound investment strategy requires discipline and patience. It will reward such investors consistently. It is a valuation technique, a technical strategy, or a way to predict funds that will outperform the market.

RESEARCH, RESEARCH, RESEARCH

The saying “past performance can’t be a guarantee of future performance” may sound familiar to some of you. It holds true even in today’s market. The future is hard to predict. Seeking investments conforming to assumptions or projection about the future without considering the basic facts about a company’s strength or growth potential is unwise. Fundamentals are king. Past performance can still be a good indicator that reflects the quality of a company’s management. Financial health is equally important to serve as a foundation rock to assist the company to endure through tough times and grow further. Research, research and research is important to uncover those stocks that trade below their fair price and have great potential. So, financial literacy can’t be viewed as a “spare wheel”, it must be viewed as a “steering wheel” instead.

BACK TO BASICS

As such, finance literacy is critically important in helping the investors to make better informed decision regarding their investment. It is not just business acumen. It forms a small fraction of the business yet it is significant, just like the rudder that navigates a plane and a ship. To a great mind, nothing is too little. By mastering the rudder, you are able to assess its financial health correctly, comfortably and confidently especially in regards to an adequately capitalized company and its free cash flow.

FREE CASH FLOW

What is free cash flow? It tells an investor how much actual cash a company is left with after any capital investments. For instance, companies that have high debt/equity numbers, especially in an industry facing tough times, this naturally could be one of your first signs that a company is getting over its head in debt.

DO YOUR HOMEWORK

Read and understand annual reports carefully and assess how management addresses those critical areas arising from external changes that significantly affect companies. What is the quality of the assets that have been invested to build or strengthen their competitiveness? What compensation plans have been put in place to retain key and talented personnel? That’s the main reason why we need to look beyond financial statements to weed out those potential growth stocks that are trading fairly lower than their intrinsic value. By looking at the bigger picture of the business such as its competitive position, product or service trends and economic and technological forces that affect its future value, you are able to select those appropriate stocks for investment. This is because the management serves as the brain of the company, which will respond to the endless changing environment and navigate the company to the next level of success.

Value investors focus on individual company, review its history of growth, and corporate announcements and news inside out, conduct field work and raise material questions during the annual general meeting and extra-ordinary meeting if appropriate. You need to gather those findings prior to the determination of its fair value that meets your selected criteria. It sounds simple and logical, yet it is not easy. Once the true value of a company has been determined, the value investors will look for a buying opportunity. This means they will buy stock in a target company only if they can execute an order below the fair value price.

The question arises whether such bargain arises in the market. Such stocks are in existence even in the efficient price market when their potentials are unnoticed. You need insightful information to make accurate assessment of their fair value.

WHY LOOKING BEYOND FINANCIAL STATEMENTS

Many investors claimed that they are long-term investors, but how many of us truly are? How many of us are really unshaken by a market nosedive or a threatening global event? The stock market is a psychological conundrum, and we're all vulnerable to its clever head fakes. Perhaps we need to learn and master more of our mind faculties to overcome such fear before we invest. Short-term market trends are extremely chaotic and choppy. The good news is that long-term trends rely on the fundamentals.

We should cultivate discipline to be better skilled investor. We should act contradictory to other investors accumulating those bargains stocks after downside panics, hold on while the market climbs and rebalance back to our asset allocation when everyone is bragging about their gains.
You need the “know how” to stay ahead. Have you ever wondered what intelligent approach or sound reasoning you possess before you buy that particular stock? Or is your decision just purely based on a simplistic indicator? For example, a company is about to secure a new project or is going to benefit from new legislation. However, under the value investing approach, you need to have control when you apply the rules. You will seek the answers to the following profound questions before you act:-

a. is the stock currently traded under its fair value?
b. what criteria determine this conclusion about valuation?
c. is the company dominant in its industry?
d. what is its recent price history?

In the long term, stock prices tend to move in line with the company earnings. It’s really that simple. Look to a company’s past earnings trends and determine whether those trends will likely continue into the future. Value investors need to track earnings and not on many lists of “stock to buy.” The rationale of doing so is probably undervalued and the cyclical nature of this sector will come around again.

Excellent reputations for quality of management, products and competition are key ingredients for a value investment. A value company is most likely to have a strong domination in the industry. Always remember bargains show up in the market all the time because of the short-term irrationality of buyers and sellers.

Even during the market downturns, value stocks tend to perform better than average, either declining less than average or even rising. In 2008, one of the worst years on US record, McDonalds rose in value while nearly other stocks prices declined.

This does not mean that value stocks are exempt from price declines. However, well selected value stocks do tend to outperform the market as a whole over the long term. A second source of returns on a portfolio, apart from price appreciation, is dividend income. This may not be for those who desire fast growing stocks. Value investors can make the most of dividend yield by reinvesting dividends in purchase of additional shares rather than taking payments in cash. The value investor is most probably more conservative and concerned with volatility than the growth investors.

Hence, it is safe to conclude that to invest intelligently and wisely, one needs to look beyond the financial statements to make better informed investment decisions. With financial mastery coupled with insight knowledge and appropriate mindset, the chance of succeeding in investment is definitely relatively much higher. To save in the bank and earning its fixed deposit’s rate is definitely a loser. This is because the interest rate is much lower than the real inflation’s rate.

INVESTMENT STRATEGY

As such, every investor needs to develop a series of strategies for investing. An investment strategy is a set of rules, behaviors or procedures, designed to guide an investor's selection of an investment portfolio. Usually the strategy will be designed around the investor's risk-return tradeoff. Some investors will prefer to maximize expected returns by investing in risky assets, others will prefer to minimize risk, but most will select a strategy somewhere in between.

At the end of day, every investor wants to make a profit. But without an investment strategy, how do you know which stocks to buy and which are too risky? How long will you hold stocks?

To ensure that you achieve your goals with much certainty and consistency, looking beyond financial statements is unavoidable. Always begin with a strategy and vision, end with model and analytical insights. Stay focused on the big picture without losing the details by measuring, monitoring, managing them effectively and closely in line with the saying, “you can’t manage what you don’t measure.”

Uncovering the realities that lie behind the data is what business analytics is all about. You need to use your mental faculties to recognize those competitive edges, usually hidden to the casual observer, in those companies you have invested in.

CONCLUSION

In summary, by mastering investment skills, you are able to handle your own investment with full accountability and commitment. As Albert Einstein said, “The whole science is a refinement of everyday thinking.” This is because a man world is a projection of his mind. When your mind is weak, you see problem. When your mind is balanced, you see the challenge. When your mind is strong, you see the opportunity. So this sound, sane and solid principle is also applies to investment as well.

BUCKET CARRIER AND THE PIPE BUILDER IN BRIEF

Some of you may have heard about the Bucket carrier and the pipe builder story.

Basically it is about two good friends who are employed to carry water from the reservoir to the well in the village. One day one of them thought that it was more efficient to build a pipe to transfer the water from the reservoir to the pipe instead of carrying the water in the bucket. He then invited his friend to join him to build the pipe. However, his friend rejected his proposal as he was doing well by carrying a much bigger bucket.

His friend left him no choice but to carry out his plan on his own. Day and night he carried the bucket as well as laid his pipeline. Once, his pipe was completed, he reaped his reward effortlessly while his friend was not able to carry the bucket any longer as he had aged and was weak.

This story give us a good overview of sustainability in our discussion.

ALL HRDF CONTRIBUTORS

Dear all hrdf contributors,

If you are keen on upgrading your employees' skills and knowledge in financial know how, strategy and sustainability, look no further as I may have the appropriate courses for them. Should you find that the courses are not what you are looking for, I can customise them to suit your needs. My courses are structured in such an integrated way that they help the participants to cultivate and garner the appropriate mindset, culture, visionary based strategies as well as creating a healthy and positive environment so that they can lead the companies to accomplish their visions and expectations.

I assure you that these courses are structured and developed to meet your expectations and needs. If you are keen in any of these courses, I would be most happy to share with you my standard training programs and show you how they can be relevant to your company’s needs and requirements.

I understand that hrdf funds can be used to engage trainers to conduct any in house programs for the benefits of the employees. In doing so, your company would be able to establish good business relationship with your customers
Do feel free to contact me. I would be most happy to be of service to you.
Thank and hope to hear from you soon.

With unconditional love,

BEEF UP AND NOT GIVE UP

Beef up and not give up

Greetings from Petaling Jaya

In view of the great challenges ahead, I have rewarded myself with an Alive Health detoxification package. This is intended to have a thorough clean up of my body to better equip myself to overcome the big C...

After the smooth journey of my first two chemotherapy, I expect my oncologist to increase the dosage of the drugs. Therefore to counteract any side effects of the increased dosage, I think it is better for me to further strengthen my body constitution as much as possible. My treatments have been scheduled fortnightly since October 30, 2017.

Please compare my photos before and after treatment. Please let me know if you can spot any differences. I am very grateful to the staff of Alive Health who gave me a thorough massage to detoxify my body. Thank you very much.

I am constantly practicing Baqua Gigong and Great Illusion to further enhance my health.

I believe I have done everything possible to face the greater challenges ahead,

With unconditional love,

James Oh

Tips From Freedom Financial Network On Building Credit When You Have No Credit History

Tips From Freedom Financial Network On Building Credit When You Have No Credit History

What’s the best way to build a credit history when you are just starting out? This can seem like a chicken and egg problem. To get a loan or credit card, you need a credit history. But to build a credit history, you need to have made payments on financial products such as a loan or credit card.

In this article, Freedom Financial Network is going to share some information that could help you get past these problems and build up your credit history.

Secured Credit Cards

A secured credit card requires you to deposit a small amount (usually a few hundred dollars) with the issuing bank. Once the deposit is complete and the card is approved, you use the card just like a regular credit card. Although, these cards will have lower limits than that of a comparable credit card.

The lower limit is part of the secured card restriction. After some period of use, which might be 6 —12 months, your card can be converted into an unsecured card. The deposit will also be sent back to you once the card has been converted.

If the conversion to an unsecured card isn’t available after a few months of use, you might consider applying for an unsecured card. Check your credit score before applying for an unsecured card. Scores over 600 start getting approved, but Freedom Financial Network says that over 650 might open up more choices and better chances of approval.

Student Credit Cards

Universities will often have credit card companies in the student union or other gathering place on campus. These companies target students with credit cards designed for those who lack a credit history.

Freedom Financial Network points out that student credit cards are unsecured. While it can still be difficult to get a student credit card in the beginning, it isn’t as strict as getting a regular unsecured card.

If you have been making payments on a secured card, that will certainly help your chances of being approved for a student credit card. If the option is available, applying for a student credit card should be your first choice when it comes to unsecured cards.

Getting Ahead As An Authorized User

Owners of credit cards can add other people to the card. This is called an authorized user. This person can use the credit card just like the primary owner. Some credit card companies will allow categorizing charges by user so the primary card holder can see transactions by authorized user.

If your parents, siblings or a friend has a credit card and is willing to add you as an authorized user, you’ll be able to build credit by piggy backing off of their credit history.

Do keep in mind that you can negatively affect their credit. If you run up charges that neither you nor the primary card holder can pay, both of your credit profiles will be negatively affected.

Be sure to set money aside each month to pay on what you owe.

If you’ve gotten ahead of yourself and need help paying down credit card debt, Freedom Financial Network can put together a plan customized for your situation. To get started, visit them at freedomfinancialnetwork.com.

SEXY FINANCIAL TRAINER ELEVATOR PITCH

Very happy morning 

I am James Oh from "Lift You Up! " I am a professional trainer who have great passion in numbers. 

A sexy financial account is like a sexy lady 

- Huge revenue (put my hand on my chest) 

- small expenses (put my hand on my waist) 

And 

- Big Profit (put my hand at my bump). 

Basically, I help my clients to shape their companies into "Sexy" ones! 

Please refer me to those companies which have such a desire.

Let me be your Sexy Financial Trainer!


in 40 seconds

LEAN FINANCE ON AUG 9 & 10, 2017

Dear Every readers, 

We write to draw your immediate attention that our forthcoming course, Lean Finance, with MIA will be held on Aug 9 & 10, 2017. To those who are keen, please log into http://pd.mia.org.my/portfolio/lean-finance-enhance-finance-intelligence-skills-capabilities/ for more details.

We believe this timely course will help you to shape your organization in time of need. If implemented appropriately, it will help to reap its stay lean & competitive to enjoy its promised rewards. 

Please contact us should you need any further clarification/ explanation.

FOUNDER - LIFT YOU UP PLT

NAME                          JAMES OH
COMPANY                  LIFT YOU UP PLT
CLASSIFICATION     BUSINESS TRAINING SPECIALISE IN FINANCE, STRATEGY & CREATIVE THINKING SKILLS

PREFERRED PERFORMANCE
1. SME COMPANIES THAT CONTRIBUTE HRDF
2. ASSOCIATIONS, INSTITUTES, CLUBS ETC
3. INDIVIDUAL

MITIGATING DOWNSIDE RISK THROUGH VALUE INVESTING

Any type of investment will always be associated with inherent risks one way or another due to uncertainty. Investors who prefer low downside risk may seriously consider value investing as one of the approach to achieve their investment goals. This is mainly because this approach is not only very prudent in practice but it also will reward its followers handsomely, provided they are strictly guided by its sound principles and its best practices.

To have a clear framework on how it works, we need to fully understand what is meant by downside risk and how it works to preserve its investment value.

DEFINITION OF 'DOWNSIDE RISK'

“Downside Risk” is an estimation of a security's potential to suffer a decline in value if the market conditions change, or the amount of loss that could be sustained as a result of the decline. Downside risk explains a "worst case" scenario for an investment, or how much the investor stands to lose. Some investments have a finite amount of downside risk, while others have infinite risk. The purchase of a stock, for example, has a finite amount of downside risk; the investor can lose his or her entire investment. The sale of a stock, however, as accomplished through a short sale (or "selling short") entails unlimited downside risk, since the price of the security could continue rising indefinitely.

CONSERVATIVE YET HOLISTIC APPROACH

Value investing, by its nature, has taken all measures in establishing all possible downside risks. That’s the main reason Graham proposed the margin of safety in the first place when acquiring shares below its intrinsic value. This margin of safety can be scientifically computed based on those factors which may have adverse effect on its intrinsic value such as human error. Moreover, you are buying at your objectively clear criteria without reference to market. This is the whole idea of investing; that you are not led and dictated by the market, but the market becomes your slave instead of your master, in making handsome profits.

As a result, value investing demands analysis of both quantitative and qualitative approaches while mindful that past performance cannot guarantee future performance. What matters most are both the leading financial and operational indicators. Looking beyond financial statements objectively will enhance your understanding of a firm’s operational, financial and strategic plans and help ascertain whether company is building its core competencies to sustain its business growth and profitability. Companies that achieve a high return on capital are likely to have a special advantage that keeps their competitors from destroying their ability to earn above-average profits.

Thus you are able to ascertain with much certainty whether you are buying good businesses that can truly enhance your investment. This is in line with Buffet's two golden rules; not to lose money and obey the first rule at all times. On the flip side, it is also preserves your capital in the sense that the stock you invested in has more relative stability of assets, if you have done your homework well especially if you use the worst case scenario of liquidation valuing method in establishing your intrinsic value. 

DOWNSIDE RISK IS LIMITED

For the above reasons, we believe that the downside risk is limited. This is because we attempt to defend against significant losses while seeking reasonable returns. That's how our strategy was initially created and crafted for. While it is tempting to try to capture all of the upside of a bull market, being caught in the potential downside will result in holding the stock for a longer term. Thus, these two approaches are much more thoughtful and preferable in view of much higher possibility in reaping its profit. 

Once you are clear of your investment’s purpose, you will tend to play your game with more focus on the process that delivers your end result, rather than chasing hot stock without any clue like many investors do. By eliminating your emotion and temptation, you will tend to have better control of yourself and your game. Being disciplined and being more patient will become your investing character. You will tend to follow your roadmap in picking your stocks that meet your criteria. You are able to be wired for making prudent investment decisions. To manage our investment well, we need to make sound decisions and to implement them efficiently.

QUALITY DECISIONS

Managing by results is mechanistic. Management for results and by the right process is a better choice. Managing by results only focuses on the returns of our investment. No specific primary attention is given to the means of achieving the ultimate goals. Value investing is more inclined to the process of investing, which forms the key to success.

To hit the bull’s eye, you must align the sights of your gun with the target. The sights are the means by you hit the target. You must focus on the sights and accept the relative haziness of the target. Rewire your mind to focus on the results you want to achieve, or focus on the process of buying stocks which are in line with your direction toward your goals. Quality decisions are the way that leads to achieving your ultimate goals, provided they are effectively implemented.

EFFECTIVE IMPLEMENTATION

We should leave nothing to chance when it comes to crafting and implementing a high-quality investment programme that delivers predictable earnings and dividends. To ensure that you reap the fruits fully, the right thing must be done at right time, in the right order, at the right intensity, and in the right sequence. You must do things right, rather than just do the right things.

INTENDED PURPOSE

The drive must come from the ultimate purpose we intend to achieve. By then it will keep us directing our energy and efforts in complying with the process with ease. The profits come from the opportunity. The process must be able to direct us to focus on identifying the opportunity. Thereafter, it enables the investor to realise his investment once the stock price hits its intrinsic value and above. It sets a very clear framework for every entry and exit point of its investment. However, it gives some room for the investor to set his own investment portfolio based on his available fund. The result is less important to the entire process. Therefore, this systematic approach does not leave the entire investment to chance, but rather is guided by profound and sound proven principles and best practices. Ultimately, it is closely associated with shaping the investor with appropriate required investment skill and behaviour that generates consistent and persistent profits. In other words, sounds decisions, with efficient implementation will lead to sound investment behaviour. That behaviour makes the significant difference. This behaviour will not be influenced by the daily fluctuation of the stock. These repeated processes delivers the ultimate results and not by chance. 

FAIL EARLY, FAIL OFTEN, BUT FAIL SMART!

At age 5 his Father died.
At age 16 he quit school.
At age 17 he had already lost four jobs.
At age 18 he got married.

Between ages 18 and 22, he was a railroad conductor and failed.
He joined the army and washed out there.
He applied for law school he was rejected.
He became an insurance sales man and failed again.
At age 19 he became a father.
At age 20 his wife left him and took their baby daughter.
He became a cook and dishwasher in a small cafe.


He failed in an attempt to kidnap his own daughter, and eventually he convinced his wife to return home.
At age 65 he retired.
On the 1st day of retirement he received a cheque from the Government for $105.
He felt that the Government was saying that he couldn’t provide for himself.
He decided to commit suicide, it wasn’t worth living anymore; he had failed so much.
He sat under a tree writing his will, but instead, he wrote what he would have accomplished with his life. He realised there was much more that he hadn’t done. There was one thing he could do better than anyone he knew. And that was how to cook.


So he borrowed $87 against his cheque and bought and fried up some chicken using his recipe, and went door to door to sell them to his neighbours in Kentucky.
Remember at age 65 he was ready to commit suicide.
But at age 88 Colonel Sanders, founder of Kentucky Fried Chicken (KFC) Empire was a billionaire.
Moral of the story: Attitude. It's never too late to start all over.

DREAM BIG, START SMALL, ACT NOW

You can read this article at Property Insight, May 2016.

FUN-FULFILLING SESSION AT EVELYN CH'NG

WHAT TO CONSIDER BEFORE BUYING A CAR

I am the author for the article in the FlyMe360 magazine April 2016. Grab one copy for yourself and hope you enjoy reading it. Share with your feedback so  as for us to improve further.

ESSENTIAL FINANCIAL AND MIND-SET FOR ENTREPRENEURS

"SO, YOU WANT TO RUN YOUR OWN BUSINESS - BUT ARE WORRIED THAT YOUR FINANCIAL KNOWLEDGE AND MIND-SET WILL LET YOU DOWN?"

LISTEN, I know where you’re coming from!

At university I specialized in Accounting. I was always interested in owning my own business, but given a choice between entrepreneurship or performing exciting practical experiments in financial analysis, establishing sound integrated  system and business model to grow the business, I’m afraid the entrepreneurship won every time!

But when I left university and realized I wanted to be an entrepreneur, I knew I’d have to polish up my financial skill, wealth and mind-set. This course is the labour of my love from more than my 30 solid years of professional and personal experiences.  

So I explored, borrowed or bought every possibility to entrepreneurship I could lay my hands on, and spent many hours alone in studying, exploring and experiencing them whenever there are opportunities.

And even though nowadays I’m a successful freelance writer, trainer and entrepreneur, I’m still fascinated by financial know-how. I love nothing more than explaining in simple terms the intricacies of financial stories, wealth and mind-set to aspiring entrepreneurs.

...And that’s EXACTLY what I’ve done in my brand new training program ESSENTIAL FINANCE AND MINDSET FOR ENTREPRENEURS!

But before I tell you about that, let me introduce myself...

About the Speaker

James Oh is a financial, wealth and mindset specialist, thinker, leader and intensive researcher with nearly 30 years of professional working experiences in various industries such as trading, construction, aviation, movies investment and distribution. He is richly exposed in both local and international levelsparticularly in negotiating with the world leading aviation financiers, insurance and reinsurance brokers.

In the course of his practice, James had held senior specialist, supervisory, managerial and leadership positions by providing success orientedstrategic and operational plans to nurture the company he had worked with. His track record includes growing together with the founder of the company he worked with and get it listed and turned the company around when it was badly hit by the Asian Financial Crisis in 1986-7.

James has been featured in media multiple times such as the top investment magazine i.e. Smart Investor Magazine, Financial First, Money Compass, Corporate Voice Journal (MAICSA), FlyMe360, Hospitality Asia, Journal of Wealth Planning and Management. He has self-published eight books, specializes in value creation.  4 out of 8 books have been upgraded to second edition and beyond. Moving beyond the Horizon is the mind skill course he has conducted for in-house program with the Non-Profit Organization.

His recognition goes beyond the organization as he was invited to be one of the speakers at the Secretarial Conference in Kuala Lumpur on Dec 2 & 3 2015, a conference event organized by Camfori Training Provider that featured comprehensive secretarial and financial strategies and solutions featuring 10+ thought leaders and speakers.

He is actively involved in financial training programs for various local professional institutions, and economic updates with an international business club.

James graduated with a Bachelor’s degree in Accountancy from the National University of Malaysia, and Laws degree from the London of University (UK). He is a Chartered Accountant with the Malaysian Institute of Accountant, Certified Professional Trainer with IPMA (UK) & PSMB Certified Trainer and Competent Communicator with Toastmaster International.

James Oh can be reached at jamesoh2003@yahoo.co.uk or http://jamesoh2003.blogspot.com

JAMES OH SECONDARY SCHOOL MATES REUNION 2016 IN PENANG

MAICSA, I CAN'T THANK YOU ENOUGH

Very awesome day to everyone!

Big HELLO!!! Thanks you again for dropping by in this inspiring and uplifting blog! It's really cool to meet so many new impacting, influencing and inspiring people along my writing journey. Admittedly, social networking is truly exciting, entertaining and enriching as it enables us to share our experience, know-how and gifted talents in any field so easily by just a few clicks. Thanks to technology for the blessing and benefiting larger magnitude of people and peers beyond boundaries speedily become a reality.

Now, it is a known fact that there are so many kind people who are always ready to give you your required support in any way. So, take your courage to tap into and take full advantage of the available opportunity to bless the community you are living in. Let us feel the ripple effect of our kind work and efforts and let it keep spreading.

In this context, I am deeply delighted to express my gratitude to the MAICSA magazine for republishing one of my articles on wealth in its Corporate Voice Journal, Jul to Sept 2015 issue. This has enabled me to enter into corporate’s world with new capacity as a writer to serve our corporate community.  

With this platform, it will accelerate my writing journey into the corporate world and share my experience and know-how with its readers from all over the industries, a step closer to enlarge my clientele base. What matters most to me is to serve a larger community with my gifted talents specialising in value creation. Thus, I can’t thank MAICSA enough for making my dream a step closer to be who I supposed to be.

Now, it is my pay-back time to benefit others by enriching them with my nearly 30 good and solid years’ of my personal and professional experiences. My track record includes growing together with the founder of the company I worked with and get it listed on the KLSE and turned the company around when it was badly hit by the Asian Financial Crisis in 1986-7. My main intention is to stimulate the readers to craft their own ingenious paths to cope well with the current Uncertain, Volatile, Changing and Ambiguous situation and to provoke additional thoughts and actionable plans.

Trust this collaboration will prosper us in many ways so as to bless larger magnitude of people along our journey with this collectively vertical combination of our resources and networks in strengthening each others.  

So, to know more insightful information, please grab a copy of it and find out on your own. You may do so by click at this link, please furnish us your feedback. Your feedback is valuable for us to improve our quality so as to serve you better. You can either post your comment just below this post or send it to jamesoh2003@yahoo.co.uk. Thanks you in advance for your kind participation and care.

Let us help each other professionally and personally, in one untied force, so as to progress collectively. Turning dreams into realities is our mission. Never underestimate the power of dream especially the daytime dreams. It serves as fuel to the flame driving and directing us to accomplish our goals.

We are committed to upgrade every aspect we can afford in your best interest. This is because you are the one who help us to accomplish who we are today. Thank you!

You may also take a tour at my newly consolidated blog, at jamesoh2003.blogspot.com to know more comprehensively of what we are doing. Feel free to drop by and please share with your contacts if you find it useful and what is far important is that everyone can be benefited at the end of the day. Let our love of labour spread among our circles. Sharing is caring.

If you are keen to attend our workshop on specialized financial literacy, wealth and mindset, please email to jamesoh2003@yahoo.co.uk.

We are more than happy to contact you and making your dream happens is our mission and helping people to unleash their invisible wealth is our passion.

Thank you and wishing you have a great fruitful day,

James Oh

Chief Value Creation Officer

TO KNOW OUR REAL LIFE PURPOSE

To know our lives' purpose, we need to ask ourselves the following questions:

11.     Do I really know me?

22.    Am I happy with what I am working?

33.     Would I be doing what I am doing should I were faced with death?

These are tough questions that deserve honest answers. Hope the above guidelines serve you well.

James Oh

Chief Value Creation Officer

  

LET DO SOMETHING MEANINGFUL

There are 3 groups of people in this world. Those make things happen, those who watch things happen and those who don't know what is happening.

If you want to be successful in life, stop wasting time on games, stop blaming or complaining, stop giving excuses and stop justifying.

Start making things happen and do something meaningful.

HOW TO CREATE LONG LASTING CHANGE AND PEAK PERFORMANCE

As an effective Value Creation Trainer; I have incorporated Transformation into our training programmes to make our training more complete. As such, I have taken the step closer to our intention to groom people and corporations to overcome their mental conditions and self-imposed limitations to achieve sustainable value creation. 

With his personal and professional experience in turning adversities into opportunities since his childhood, James has been equipped with all the necessary skills, mind-sets and proven techniques doing what he is really passionate about...namely helping people achieve breakthroughs in their personal and professional lives.

Making a difference and shifting mind-sets and uplifting people are his trade mark. He has worked his way from scratch and knows that it is a long way ahead. Click at the link, at http://liftyouup.blogspot.com.

These skill sets are specifically geared towards leading a team to produce results within a business environment. Some of the skills I use:

1. Empowering others to unleash their hidden potential to achieve their goals regardless of their current status and background.

2. Turning any adversity into opportunity by giving its effect the appropriate interpretation.
3. Recognizing deeper issues (Beliefs, Core Values, Mental Shifting etc.) behind the problems in their case.
4.  Using appropriate tools to induce necessary changes in behaviour, internal representations (thought) and language patterns, strategies and emotional states
5. Recognizing in-depth knowledge and understanding how people project their external experience from their internal realities.
6. Communicating mastery and rapport skills to convey what needs to change in such a way that they get it on both the Conscious (5%) and Subconscious (95%) levels, thereby making the change deeply rooted in their behaviour and long-lasting effect.


This is what Jack Ma says, "Please tell your children that the world is changing every day and no one is going to wait for you in the past. When the lighter was invented, matches slowly disappeared. When the calculator was created, the abacus faded away. When digital cameras were designed, the market for negatives and films no longer exist. When direct market selling/internet-based selling arises, traditional marketing declines. When smartphone with 4G (wireless internet access) was introduced to the world, you no longer need to turn on your computer at home. When WeChat and WhatsApp (mobile text/voice/video messaging) developed, traditional text messaging is no longer popular.

Let's not to blame "Who took over whose business." It's because people are more adjustable and adaptable to new ideas and changes in the world.

Someone asks Jack Ma, "What is your secret for success?" He says, "Really simple...I am doing (action) while you're watching."

Please remember that the world is changing every day. If you don't change, you'll be left behind. You reap what you sow with your time. If you spend time to drink, you may become an alcoholic. If you spend time complaining, you may become a blamer. If you spend time to beautify yourself, you may become a pretty/handsome. If you spend time to stay healthy, you may enjoy a healthier life. If you spend time being picky, you may become a 'mean' person. If you spend time to learn, you may gain wisdom. If you spend time with your family, you may foster a warm and loving relationship with your loved ones
.
Pass this message on to those you care!