If you’re like the average Malaysian, you’ll probably worry a whole lot about your finances. And you’ll be asking yourself these nagging questions all the time:
Will I have enough money for retirement?
Will I have enough to send my kids to a good university?
Will I be able to take that dream vacation every year without fail?
Will I be able to pay for that critical medical operation in my golden years?
Now, with the Roadmap to Financial Freedom, you can find all the answers to these questions. By reading on, you can gain insights into how to craft your own personal path to financial freedom by answering the two key questions: What do I want financially? And what do I need to do to get there?
In this book, Yap Ming Hui shows you just how the Roadmap to Financial Freedomhas helped 12 average Malaysian families – from young couples managing their daily finances to senior citizens desiring retirement – achieve their financial freedom dreams. Written in plain simple English, this is one book you cannot afford to be without if you want to optimise your financial wellbeing and achieve true peace of mind.
You may wonder if you can achieve financial freedom with an average income and average assets. The answer is – ‘Yes, you can’. Unlike other books written by Yap Ming Hui, Roadmap to Financial Freedom is targeted at helping each individual or family achieve financial freedom. In fact, it is a financial freedom book written by a Malaysian for Malaysians. The ideas and information in this book can be readily and easily applied right here, right now in Malaysia.
If you want to be wealthy and happy, this is the book for you. After all isn’t happiness the genuine currency of financial freedom?
In his professional capacity, Yap Ming Hui is the Chief Financial Coach of Whitman Independent Advisors Sdn Bhd (www.whitman.com.my), a comprehensive fee-for-service financial planning company which specialises in helping clients to achieve financial freedom by optimising their wealth. His clients include some of the major owners of public-listed companies on Bursa Malaysia, multi-national corporations and successful small-and-medium enterprise companies. Yap Ming Hui has now decided to adapt his wealth management solutions to feed the needs of all Malaysians. That new solution is showcased in this latest book that delivers Yap Ming Hui’s unique brand of holistic wealth management.
Interview with Yap Ming Hui
Catch Yap Ming Hui’s Choosing A Financial Planner with Yap Ming Hui, Wealth COO, Author & MD – Whitman Independent Advisors on BFM 89.9 – The Business Station.
Donald John Trump (born June 14, 1946) is an American business magnate, socialite, author and television personality. He is the Chairman and CEO of the Trump Organization, a US-based real-estate developer. Trump is also the founder of Trump Entertainment Resorts, which operates numerous casinos and hotels across the world. Trump’s extravagant lifestyle and outspoken manner have made him a celebrity for years, a status amplified by the success of his NBC reality show, The Apprentice (where he serves as host and executive producer).
Donald Trump is popularly known as The Donald, a nickname given to him by the media after his ex-wife Ivana Trump, a native of the Czech Republic referred to him as such in an interview. He is also known for his catchphrase, “You’re fired”, made popular by his television series The Apprentice. Trump is known for his distinctive hairstyle, which he has refused to change throughout his career.
Donald was the fourth of five children of Fred Trump, a wealthy real estate developer based in New York City. Donald was strongly influenced by his father in his eventual goals to make a career in real estate development, and upon his graduation from the Wharton School of the University of Pennsylvania in 1968, Donald Trump joined his father’s company, The Trump Organization.
Starting with the renovation of the Commodore Hotel into the Grand Hyatt with the Pritzker family, he continued with Trump Tower in New York City and several other residential projects. Trump would later expand into the airline industry (buying the Eastern Shuttle routes), and Atlantic City casino business, including buying the Taj Mahal Casino from the Crosby family, then taking it into bankruptcy. This expansion, both personal and business, led to mounting debt. Much of the news about him in the early 1990s involved his much publicized financial problems, creditor-led bailout, extramarital affair with Marla Maples, and the resulting divorce from his first wife, Ivana Trump.
The late 1990s saw a resurgence in his financial situation and fame. In 2001, he completed Trump World Tower, a 72-story residential tower across from the United Nations Headquarters. Also, he began construction on Trump Place, a multi-building development along the Hudson River. Trump owns commercial space in Trump International Hotel and Tower, a 44-story mixed-use (hotel and condominium) tower on Columbus Circle. Trump currently owns several million square feet of prime Manhattan real estate, and remains a major figure in the field of real estate in the United States and a celebrity for his prominent media exposures.
Robert Kiyosaki and Donald Trump live – Courtesy of RDdotcom
Books by Donald Trump
Trump University
Trump University
Trump University is an online education company owned and founded by real estate tycoon Donald J. Trump, Sr. It is part of the Trump Organization. It offers courses in real estate, asset management, entrepreneurship and wealth creation. It is not an accredited University.
Trump University does not confer college credits or degrees. Donald Trump brought together education pioneer Roger Schank and professors such as Gary Eldred (Stanford University) and Don Sexton (Columbia University) to work out the curriculum for the subjects.
Trump University offers one-on-one coaching sessions with a mentor, free live events, books, packaged audio courses (featuring CDs and links to online material), as well as its “Wealth Builder’s Network” resource tool and online courses. It also offers an email newsletter.
Trump University frequently announces speaking dates of Trump and his colleagues.
The company managing Trump University’s mailings have been previously accused as a source of spam. The spam, which originates from servers in Provo, Utah, include offers for pet medications, diet pills, software, loans, photo contests, and mortgage applications. Trump University denies these allegations. Currently, the company is dispatching emails from Atlanta, Georgia by a different ISP than before.
John C. Maxwell (born 1947) is an evangelical Christian author, speaker, and pastor who has written more than 50 books, primarily focusing on leadership. Titles include The 21 Irrefutable Laws of Leadership and The 21 Indispensable Qualities of a Leader: Becoming the Person Others Will Want to Follow. His books have sold more than thirteen million copies, with several on the New York Times Best Seller List and translations in over fifty languages. In 2003, he was honored by the State of Indiana for his lifelong mission in helping individuals develop as leaders, for his prolific authorship, and for the founding of EQUIP.
Personal life
John C. Maxwell was born in Garden City, Michigan in 1947. Maxwell followed his father into the ministry, completing a Bachelor’s degree at Ohio Christian University in 1969, a Master of Divinity degree at Azusa Pacific University, and a Doctor of Ministry degree at Fuller Theological Seminary.
Maxwell credits his leadership instincts and his early leadership training to his father. He currently resides in South Florida with his wife, Margaret.
Career
For over thirty years, Maxwell has led churches in Indiana, Ohio, California, and Florida. After serving as senior pastor for 14 years, in 1995, he left Skyline Church, near San Diego, to devote himself full-time to speaking and writing. However, in 2004, he returned to ministry at Christ Fellowship in Palm Beach Gardens, Florida, where he is currently a teaching pastor. On November 16, 2008, Maxwell began serving as a guest pastor at the world-famous Crystal Cathedral, in Orange County, California. Maxwell’s mentor, Robert H. Schuller, has had a variety of noted evangelical pastors preach at his megachurch since his son, Robert A. Schuller, resigned as senior pastor in 2008. Maxwell has returned to preach at the Crystal Cathedral several times, and his messages are broadcast worldwide on the Hour of Power television program, seen by an estimated 20 million viewers.
Maxwell is an internationally recognized leadership expert, speaker, and author who has sold over 13 million books. His organizations have trained more than 2 million leaders worldwide. Dr. Maxwell is the founder of INJOY, Maximum Impact, ISS and EQUIP, an international leadership development organization working to help leaders. EQUIP is involved with leaders from more than 80 nations. Its mission is “to see effective Christian leaders fulfill the Great Commission in every nation.”
Every year Maxwell speaks to Fortune 500 companies, international government leaders, and organizations as diverse as the United States Military Academy at West Point and the National Football League. A New York Times, Wall Street Journal, and Business Week best-selling author, Maxwell was one of 25 authors and artists named to Amazon.com’s 10th Anniversary Hall of Fame. Three of his books, The 21 Irrefutable Laws of Leadership, Developing the Leader Within You, and The 21 Indispensable Qualities of a Leader have each sold over a million copies.
Maxwell serves on the Board of Trustees at Indiana Wesleyan University and has a building named after him there, the Maxwell Center for Business and Leadership.
Robert Toru Kiyosaki (born April 8, 1947) is an investor, businessman, self-help author and motivational speaker. Kiyosaki is best known for his Rich Dad, Poor Dad series of motivational books and other material. He has written 15 books which have combined sales of over 26 million copies. Although beginning as a self-publisher, he was subsequently published by Warner Books, a division of Hachette Book Group USA, currently his new books appear under the Rich Dad Press imprint. Three of his books, Rich Dad Poor Dad, Rich Dad’s CASHFLOW Quadrant, and Rich Dad’s Guide to Investing, have been on the top 10 best-seller lists simultaneously on The Wall Street Journal, USA Today and the New York Times. Rich Kid Smart Kid was published in 2001, with the intent to help parents teach their children financial concepts. He has created three “Cashflow” board and software games for adults and children and has a series of “Rich Dad” audio cassettes and disks. He also publishes a monthly newsletter.
A large part of Kiyosaki’s teachings focus on generating passive income by means of investment opportunities, such as real estate and businesses, with the ultimate goal of being able to support oneself by such investments alone. In tandem with this, Kiyosaki defines “assets” as things that generate cash inflow, such as rental properties or businesses—and “liabilities” as things that use cash, such as houses, cars, and so on. Kiyosaki also argues that financial leverage is critically important in becoming rich.
Kiyosaki stresses what he calls “financial literacy” as the means to obtaining wealth. He says that life skills are often best learned through experience and that there are important lessons not taught in school. He says that formal education is primarily for those seeking to be employees or self-employed individuals, and that this is an “Industrial Age idea.” And according to Kiyosaki, in order to obtain financial freedom, one must be either a business owner or an investor, generating passive income.
Kiyosaki speaks often of what he calls “The Cashflow Quadrant,” a conceptual tool that aims to describe how all the money in the world is earned. Depicted in a diagram, this concept entails four groupings, split with two lines (one vertical and one horizontal). In each of the four groups there is a letter representing a way in which an individual may earn income. The letters are as follows.
The Cashflow Quadrant by Robert Kiyosaki
E: Employee — Working for someone else.
S: Self-employed or Small business owner — Where a person owns his own job and is his own boss.
B: (Boss) Business owner — Where a person owns a “system” of making money, rather than a job to make money.
I: Investor — Spending money in order to receive a larger payout in the future.
Originally self-published before being picked up commercially to become a best seller, the central concept of Rich Dad, Poor Dad is an anecdotal comparison of his “two fathers”. His “poor dad” was his biological father, who became Superintendent of the Hawaii State Department of Education but had very little real net worth. Contrasted with this is his “rich dad” advocates tax-advantaged investment vehicles, such as real estate or businesses, rather than ownership of securities. This idea is further developed in his later books. Rich Dad became Kiyosaki’s personal brand for various publishing ventures.
Cashflow Quadrant is a personal finance and investing book written with Sharon Lechter, C.P.A. as the sequel to Rich Dad, Poor Dad. In it, Kiyosaki discusses what he calls the cashflow quadrant: a grid consisting of the letters “E”, “S”, “B”, and “I.” The cashflow quadrant itself is just an illustrative tool to show the difference between Employees, Self Employed/Small Business owners, Business owners (not directly involved in the day-to-day operation of the company), and Investors. Kiyosaki discusses the differences between concepts and ideas characteristic of each quadrant, particularly as they relate to passive income and tax advantages.
Rich Dad’s Guide to Investing gives the reader a roadmap to becoming the Ultimate Investor, one who uses other peoples’ money to create investments that people want to buy into. While the first two books use broad strokes, this one goes into much more detail about actually implementing some of the strategies heretofore discussed.
Rich Kid, Smart Kid is a retelling of Kiyosaki’s views, condensed and clarified to try and help parents better understand and teach their children key financial concepts. It includes a series of activities that a parent can do with their child to make them aware of property, finance and the various ways and places businesses make money.
Rich Dad’s Prophecy predicts that the market will crash around 2016 when the oldest Baby Boomers start cashing out their 401(k) plans. Individuals whose savings are locked into 401(k) plans will suffer because these retirement plans are not flexible and do not do well in a bear market.
Why We Want You To Be Rich is a book written by both Robert Kiyosaki and Donald Trump. It encourages individuals to become financially literate to combat the upcoming problems facing America, such as the shrinking middle class and the entitlement mentality.
Robert Kiyosaki and Donald Trump live – Courtesy of RDdotcom
When change requires you to challenge people’s familiar reality, it can be difficult, dangerous work. Whatever the context, whether in the private or the public sector, many will feel threatened as you push though major changes. But as a leader, you need to find a way to make it work.
Ron Heifetz first defined this problem with his distinctive theory of ‘adaptive leadership’ in Leadership Without Easy Answers. In a second book, Leadership on the Line, Heifetz and coauthor Marty Linsky highlighted the individual and organizational dangers of leading through deep change in business, politics, and community life.
Now, Heifetz, Linsky, and coauthor Alexander Grashow are taking the next step: The Practice of Adaptive Leadershipis a hands-on, practical guide containing stories, tools, diagrams, cases, and worksheets to help you develop your skills as an adaptive leader, able to take people outside their comfort zones and assess and address the toughest challenges. The authors have decades of experience helping people and organizations create cultures of adaptive leadership. In today’s rapidly changing world, The Practice of Adaptive Leadership can be your handbook to meeting the demands of leadership in a complex world.
David Olson Ulrich (born 1953) is a university professor, author, speaker, management coach, and management consultant. Ulrich is a professor of business at the Ross School of Business, University of Michigan and co-founder of The RBL Group. He has written 15 books covering topics in human resources and leadership. Ulrich is currently on the Board of Directors for Herman Miller, a Fellow in the National Academy of Human Resources, and is on the Board of Trustees of Southern Virginia University.
Ulrich emphasizes defining organizations through the capabilities they possess. His work has helped define and shape key capabilities such as change, learning, collaboration, accountability, talent, service, innovation, and efficiency. The outcomes of leadership and HR are the capabilities that an organization possesses that deliver value to customers, investors, and communities.
Although he has been involved in large-scale research projects, most of his writing is characterized by synthesizing complex ideas into frameworks and tools that executives can use. He is a well-traveled speaker, working with groups of all sizes where he is known for engaging the participants, helping to translate the ideas into actions that work for them. His motto is that good teaching is not what he knows, but how his knowledge helps participants do what they do better.
Dave Ulrich has been ranked the #1 Management Educator & Guru by BusinessWeek, selected by Fast Company as one of the 10 most innovative and creative leaders, and named the most influential person in HR by HR Magazine for three years.
Covey holds a BSc degree in Business Administration from University of Utah in Salt Lake City, an MBA from Harvard University, and a Doctor of Religious Education (DRE) in LDS (The Church of Jesus Christ of Latter-day Saints) Church History and Doctrine from Brigham Young University. He also holds membership of the Pi Kappa Alpha International Fraternity.
The 7 Habits of Highly Effective People, Covey’s best-known book, has sold more than 15 million copies worldwide since its first publication in 1989. (The audio version became the first non-fiction audio-book in U.S. publishing history to sell more than one million copies.) Covey argues against what he calls “The Personality Ethic”, something he sees as prevalent in many modern self-help books. He instead promotes what he labels “The Character Ethic”: aligning one’s values with so-called “universal and timeless” principles. Covey adamantly refuses to confound principles and values; he sees principles as external natural laws, while values remain internal and subjective. Covey proclaims that values govern people’s behavior, but principles ultimately determine the consequences. Covey presents his teachings in a series of habits, manifesting as a progression from dependence via independence to interdependence.
In 2004, Covey’s book The 8th Habit: From Effectiveness to Greatness was published. It functions as the sequel to The Seven Habits. Covey claims that effectiveness does not suffice in what he calls “The Knowledge Worker Age”. He proclaims that “[t]he challenges and complexity we face today are of a different order of magnitude.” The 8th habit essentially urges: “Find your voice and inspire others to find theirs…”
In November 2008, Covey released a new book The Leader in Me—How Schools and Parents Around the World are Inspiring Greatness, One Child at a Time. This book tells the story of how extraordinary schools, parents and business leaders are preparing the next generation to meet the great challenges and opportunities of the 21st Century. The Leader in Me shows how one elementary school in Raleigh, North Carolina decided to try incorporating The 7 Habits of Highly Effective People and other basic leadership skills into their school’s curriculum in unique and creative ways. Inspired by the amazing success of Principal Muriel Summers and the teachers and staff of A.B. Combs Elementary School in Raleigh, other schools and parents around the world have adopted the approach and have seen remarkable results.
Barack Hussein Obama II (born August 4, 1961) is the 44th and current President of the United States. He is the first African American to hold the office, as well as the first president born in Hawaii. Obama previously served as the junior United States Senator from Illinois from January 2005 until he resigned after his election to the presidency in November 2008.
Obama is a graduate of Columbia University and Harvard Law School, where he was the president of the Harvard Law Review. He was a community organizer in Chicago before earning his law degree. He worked as a civil rights attorney in Chicago and taught constitutional law at the University of Chicago Law School from 1992 to 2004.
Obama served three terms in the Illinois Senate from 1997 to 2004. Following an unsuccessful bid for a seat in the U.S. House of Representatives in 2000, he ran for United States Senate in 2004. During the campaign, several events brought him to national attention, such as his victory in the March 2004 Democratic primary election for the United States Senator from Illinois as well as his prime-time televised keynote address at the Democratic National Convention in July 2004. He won election to the U.S. Senate in November 2004.
Obama began his run for the presidency in February 2007. After a close campaign in the 2008 Democratic Party presidential primaries against Hillary Clinton, he won his party’s nomination. In the 2008 general election, he defeated Republican nominee John McCain and was inaugurated as president on January 20, 2009. Obama is the 2009 Nobel Peace Prize laureate.
Barbara Kingsolver (born April 8, 1955) is an American writer. She has written, or collaborated on, 13 books, most of which are novels, but including some poems, short stories and essays. Kingsolver established the Bellwether Prize for “literature of social change”, named after the bellwether.
Kingsolver was born in Annapolis, Maryland, spent some of her childhood in Africa where her father was a medical doctor, and grew up near Carlisle, Kentucky.
Kingsolver attended DePauw University in Greencastle, Indiana on a music scholarship, studying classical piano. Eventually, however, she changed her major to biology.
In the late 1970s, Kingsolver lived in a number of places, including Greece, France, and Tucson, Arizona, working variously as an archaeological digger, copy editor, housecleaner, biological researcher and translator. She earned a Master’s degree in ecology and evolutionary biology at the University of Arizona. She then took a job as a science writer for the university. The science writing led to some freelance feature writing and journalism. In 1986, she won an Arizona Press Club award for outstanding feature writing. Her first novel, The Bean Trees, was published in 1988.
British author Robert Holdstock passed away at the age of 61, on 29th November 2009, following his collapse with an E. coli infection. He was in ICU since the 18th of November. Born 2 August 1948 in Kent, he was best known for the Mythago Woodseries, which won him the World Fantasy Award in 1985.
Holdstock earned a Bacherlor of Science in Applied Zoology in 1970 from the University College of North Wales, and a Masters of Science in Medical Zoology in 1971. After that, he conducted research at the Medical Research Council until 1974 while also doing some part-time writing. He became a full-time writer from 1975/6 . His first published story, Pauper’s Plot, appeared in New Worlds magazine in 1968, and his first novel, a sci-fi called Eye Among the Blind, appeared in 1976.
During the late 1970s and throughout the 1980s Holdstock wrote many fantasy and science fiction novels along with a number of short stories, most of which were published under one of his pseudonyms which include Robert Faulcon, Chris Carlsen, Richard Kirk, Robert Black, Ken Blake, and Steven Eisler. His breakthrough fantasy novel Mythago Wood was published during 1984 under his true name.
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Thus begins the Ryhope Wood series. The novel was subsequently followed by Lavondyss (1988), The Bone Forest (1991), The Hollowing (1993), Merlin’s Wood (1994), Gate of Ivory, Gate of Horn (1997) and Avilion (July 2009). He also created the Merlin Codex series with titles such Celtika (2001),The Iron Grail (2002), and The Broken Kings (2007).
Throughout the years, Holdstock has won four British Science Fiction Awards: 1982′s Short Fiction for “Mythago Wood“, 1985′s Novel for Mythago Wood, 1989′s Novel for Lavondyss, and 1994′s Short Fiction for “The Ragthorn (which he co-wrote with Garry Kilworth). That last story also earned a World Fantasy Award in 1992.
He will be deeply missed by his partner, Sarah Biggs, their families, friends and fans.
(Source : Robert Holdstock official website, Wikipedia)
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