Blog - Credit Plus Health By Sean Toh

The Launch of "The Beauty of Megan Fox - An Unrevealed Collection of Megan's Portraits"

2011-05-15T20:53:00.008+08:00

Hi Friends,

Good evening to all my friends! It has been a while since I last updated this blog. Tonight, I will like to take this opportunity to announce the launch of "The Beauty of Megan Fox - An Unrevealed Collection of Megan's Portraits!"

http://www.seantoh.com/The_Beauty_Of_Megan_Fox.htm

Here is the synopsis of the book!

Considered a sex symbol and voted the "Sexiest Woman in the World" in 2008, Megan Fox is a beauty with great talents and beautiful appeal, in this new portrait book, some exclusive portraits from her personal collection shall be revealed to share with all her fans worldwide for their continual supports. This new 244 pages portrait book shall reveal her beauty and personality a little more through this rare personal collection of hers. The Beauty of Megan Fox has intentionally chosen to illustrate her rare portraits to reveal her beauty, sexiness, exoticism, sensuality, elegance, spontaneity, finesse, purity and subtleness in this special portrait book to be published on her birthday, 16 May. For more details of the book and to browse through the book, please go to http://www.seantoh.com/The_Beauty_Of_Megan_Fox.htm

http://www.seantoh.com/The_Beauty_Of_Megan_Fox.htm

I shall leave you to explore the website link above as I say "Good Night to You, all my Friends!"

Empowering More People By Embracing On New E-Publishing Technology

2010-09-10T19:26:00.002+08:00

“4 Steps To Financial Freedom” is my gift to the people of this world, seeing them being empowered by it and hopefully empowering those people they love around them. A simple and self-empowering philosophy that I hope will reach as many people in this world. Only through great technology and intention, I believe technology will be the driver for my mission I set out to do.

As the new publishing technology changes and evolves into new e-publishing platforms catering to the needs of new e-reading generations through new powerful inventions like Amazon Kindle, iPad, iPhone, etc., I have decided “4 Steps To Financial Freedom” will have to ride on this new publishing technological wave to reach the maximum readership to be in line with my intention; empowering the people I love.

Presenting to the people I love, “4 Steps To Financial Freedom”, in the new digital form! Be empowered by it and empowering the people you love so much as you cope and live with challenges of the changing world.

Open publication - Free publishing - More wealth

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Reading The Latest Issue of “The Business Issues!”

2010-02-06T19:33:00.006+08:00

The Business Issues (TBI) was launched to provide business leaders with a wholesome publication। With a different theme every month, we bring subject matters related to businesses which are most sought after, such as Customer Relationship Management, Leadership and Corporate Coaching, Financial Management, Performance Management and others for various industries. All relevant information on any of these particular topics will be covered by TBI; from challenges, key issues, the “who” of the industry, expert opinions and practitioner’s view to vendors and solution providers.

We conduct extensive research both theoretically and on success stories on all our monthly topics to provide real time economic and business scenarios। Readers would have the opportunity to review the growing trends and articles and have the reinforcement on other methodologies and processes they were already contemplating. We strive to ensure our clients gain the competitive edge in this volatile market.

We are more than just a magazine, we are a business community।

Mission Statement

• Assist business professional to reach out to their clients through business matching
• Constantly research, analyse, develop new ideas for our readers’ benefits
• To establish long term strategic partnership with our stakeholders

Click here to subscribe to the latest “Business Issues!”

http://www.tbi.my/

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

My Latest Published Article On Page 30 In The January 2009 Issue of “ The Business Issues” With Special Feature Of Ivanka Marie Trump!

2010-01-09T20:35:00.007+08:00

Hi Friends,

The latest January 2009 issue of “The Business Issues” featuring Ivanka Marie Trump shares her secrets how she trump her way to success. Ivanka is an American businesswoman, socialite, heiress, and fashion model. The daughter of Ivana and Donald Trump, she is Executive Vice President of Development & Acquisitions at the The Trump Organization. Before joining the family business, she worked for Forest City Enterprises, and joined forces with Dynamic Diamond Corp., a diamond trading company sightholder, to design and introduce a line of jewelry at the brand's first flagship retail store called 'Ivanka Trump' on Madison Avenue.

To read more about her interview with “The Business Issues”, Click this link and go to page 60 to read more about her success!

As this issue is all about Real Estate Investment, I share with readers and investors in the same issue as Ivanka Trump in “The Business Issues” on page 30 about understanding the Real Estate Cycle. Below is the actual content of the published article in “The Business Issues”.

You can click this link and turn to page 30 to read the actual publication on my latest financial education that I will share with you about the Real Estate Investment Cycle.

Understanding The Real Estate Cycle Or Lose Your Investment Dollars To Educated Investors!

Is the Real Estate Bubble Coming or will it burst soon? Before you invest your money in real estate, equipping yourself with some simple financial education in the real estate cycle will save you and help you manage your investment risks before you invest in real estate. Or else you choose to lose your investment dollars to the experienced investors!

What Is A Real Estate Cycle?

The real estate cycle, like the business cycle, refers to the activity of the real estate market as it reacts to the forces of supply and demand.

And What Is Supply And Demand?

When demand for housing, exceeds the supply, the price for the property tends to increase. In real estate, this period is often called seller's market. Higher prices encourage the suppliers, in this case homebuilders to increase production. As production increased, more of the demand is satisfied until a point is reached where production outperforms demand. At that point, prices begin to fall and production will diminish until demand catches up with supply, and the cycle begins again. This period is called a buyer’s market. The supply & demand affects the Ups & Downs in a real estate cycle.

What Are Some Of The Factors Influencing The Real Estate Cycles?

Mortgage Funds - The availability of mortgage funding affects both supply and demand for properties. In most cases, the investor does not have sufficient assets to purchase a property outright. Most property is either built & purchased with money borrowed. The availability and cost of this money directly affects both the supply and demand for properties. If a local area is experiencing prosperity, there should be funds available to finance the construction and purchase of properties. Hence, if you are borrowing to finance your investment, it will definitely be easier during good times!

Population - Demographics refer to a study and description of the population of an area. Demographics included such factor as education, gross income, disposable income, number of family members, and savings and spending patterns. Also studied are patterns of migration and establishment of employment centers. A young population with growing economy in a nation will create demands to trend toward an upswing in the real estate cycle in the long run.

Social Attitudes - Herd behaviour is one important subject of scrutiny in Behavioral Economics. Herd behaviour refers to situations wherein a group of individuals react coherently without there being any co-ordination between them. Such a group is called a herd. The impact of herd behavior can have very long and sometimes devastating consequences. For instance, the fear of a real estate bubble – although economically unfounded – can have a very real impact if a large enough group of market participants believe in it in the same or similar lapse of time. In such a circumstance, demand for housing would be affected clearly to the point of causing a marginal or absolute price depression.

Political Activity & Location - Any property which is in the centre of politically active area or at the center of core governmental area or at the centre of a town or city always attracts a premium price tag. Even though the property is not well designed; the environment will push up the price of the property. On the other hand, a well structured or well designed property with an expensive fittings and all the stuff, but is located in the remote or poor area, due to environment, the property will not attract a good price as it is supposed. Seeing the potential capital appreciation and monthly cashflow return from your investment property by understanding the political activity around it is definitely a key factor to consider when locating your property.

Regulation - As real estate investment continues to dominate in the financial world, there are incidents of frauds in the market. With the growing number of real estate agencies, the Government has woken up to the need of laws to regulate the real estate transactions. Before going into a real estate transaction, it is better to get familiar with the rules and regulations pertaining to real estate. Investors should know his or her rights to avoid sellers taking undue advantage. A well-informed investor is able to get a fair deal from the real estate agents, and may even go to the court in case the agent strays from the law.

Losing your money to educated investors can be avoided simply by some simple education in the real estate cycle when you are thinking of investing your money in real estate. Once, you understand it well, you could minimize your investment risks and help you see the potential growth opportunities for your investment property.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Your Desire To Get Yourself Educated Has Impressed Me!

2009-09-11T09:49:00.052+08:00

Hi Friends,

Desire is the burning internal quality that pushes you and produces restlessness with things as they are. Desire empowers you to meet the challenges of life and compels you to fulfill a purpose larger than yourself.

The willingness to wake up on a Saturday morning to attend my seminar revealed your desire to get yourself educated to achieve a lot more for yourself. Not just financially, Planning Ahead For Your Financial Future! but also spiritually and mentally for personal fulfillment.

This financial crisis has not pinned you down but instead woken up your dormant desire to learn much more to get ahead.

With your desire to succeed, I shall empower you with generosity of knowledge and wisdom gained in life. Your success will still depend on your ability to convert your learned knowledge into successful reality in your life.

I’m totally impressed with even more you now, your desire to be a life-long learner to get the right education to succeed in life, has overwhelmed me into believing what you are actually capable of achieving a lot more in life.

Click here to Tell Your Friends Now!

Yours Sincerely

Sean Toh &

Credit Plus Health's Team

My Newly Designed Seminar Booklet - Planning Ahead For Your Financial Future!

2009-06-30T21:37:00.011+08:00

Hi Friends,

As you can see I'm holding my newly designed seminar booklet - "Planning Ahead For Your Financial Future!" Due to overwhelming responses from my friends, I have decided to add values to them when they attend my seminar - "Planning Ahead For Your Financial Future!" I have asked my professional graphic designer and publisher to design and print for me my newly designed seminar booklet which is packed with invaluable secrets and strategies to benefit them when they sign-up and attend my seminar.

They will leave home with my popular best-selling personally autographed book - "4 Steps To Financial Freedom" and my seminar booklet which would be so invaluably worth that others might not have the opportunity and honor in receiving them personally from me!

I believe all my friends will definitely benefit from the wealth of knowledge that I'm most willing to share with them in this empowering seminar!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Speaking At Smart Investment &International Property Expo 2009 – 28 March 2009

2009-04-01T09:33:00.013+08:00

I have achieved what I set out to achieve for the event. Interested investors have learned and understood the bigger picture of investing before they invest their hard-earned cash when they plan and invest for their financial future.

I believe I have done a great job by bringing them into the bigger perspective of understanding their life-goals before investing will provide them the motivations as to why they want to be financial free before they set their financial objectives to plan for the financial challenges ahead at different stages of their lives.

From my engagement during the seminar, I realized that those who turned up for this year Smart International Property Expo 2009, are interested investors who have the capitals to invest soon and they are actually researching for information before making decisions to take advantage of this financial crisis (investment opportunities) to invest in the near future.

Smart Investment & International Property has always been a good learning platform for investors who want to get themselves educated as there are lots of reliable investment information and only world-class investment educators are engaged to talk on the various investment topics during the seminar. The speakers have the credentials and are experts in their respective fields to provide the educational insights for investors to make better investment choices. Investors just need to be willing to listen and be hungry to digest the information provided before making their next investment move!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Listen To Sean Toh At SMART Investment & International Property Expo 2009

2009-03-20T21:59:00.005+08:00

Click this link below to register for Sean's Seminar!

http://www.smartexpos.com/smartedm/2009/SGMAR/05032009/sean_toh.htm

Planning Ahead For Your Financial Future!

2008-10-27T14:07:00.123+08:00

Dear Friends,

Have you ever wonder why some people are affected by the current financial crisis while others are not? It seemed that people who are not affected have adequate financial education and knowledge in planning their financial destiny.

During crisis time, their financial plan has taken care of those risky elements. Risk management and wealth preservation are two important elements of proper financial planning processes that people who are not affected by the crisis have chosen to consider and made a wise decision to allocate and shift their assets accumulated during good times into instruments that help to preserve their wealth. Assets allocation with investing strategies like "Value investing" & "Dollar-Cost Averaging" are two strategies that will help one reap huge returns in the long run if they have the financial education to understand and apply them to invest during time like this. Only with adequate financial education will one have the wisdom to lead and guide himself through crisis towards his financial destiny!

Below are some of pictures taken recently when I conducted a financial workshop to empower young people to plan ahead for their financial future. I shall leave you now and let those pictures tell you the story!

Let The Pictures Tell U Everything!

Click here to Tell Your Friends Now!

Yours Sincerely

Sean Toh &

Credit Plus Health's Team

Why Achievers Understand The Law Of Service By Serving Their Fellowman?

2008-08-29T12:45:00.003+08:00

“What is the moral obligation to serve the Fellowman? Well, the Fellowmen never did anything for me, and I never entered into a contract with them. Why should I start serving my fellow man”?

Achievers have learned and mastered the art of serving his fellowman long ago which under-achievers simply just do not know the prosperity brought by the act of serving.

Although achievers and under-achievers have some things in common and belong to the same affinity group, they are simply human beings. Achievers know the only way that they can get what they want is by serving their fellow man. By serving their fellow man, they take orders from them, which results in peace and prosperity.

Achievers understand that their serving is a form of creation governed by law. The principles that operate in the outer universe, discoverable by scientists, are called natural laws. But there are subtler laws that rule the hidden spiritual planes and the inner realm of consciousness. Contained within these laws is one of law called the “Law of Service”, which is the true nature of matter. Knowledge of this law has an effect upon their mental urges. Mind is their builder. Stay in full mindfulness of the application of Universal Law as related to them and to others, and in love all life is given, in love all things move.

In giving, achievers attain. In giving, achievers acquire. In giving, love becomes the fulfillment of desire, guided and directed in the ways that bring the more perfect knowledge of themselves as related to the universal, all powerful, all guiding, all divine influence in their lives.

The Law of Service is the governing law of their future. Service is usually interpreted as exceedingly desirable, and it is seldom realized how very difficult service essentially is. It involves so much their sacrifice of time and of interest and of their own ideas, it requires exceedingly hard work, because it necessitates deliberate effort, conscious wisdom and the ability to work without attachment. These qualities are not easy of attainment by the under-achievers, and yet today the tendency to serve is an attitude which is true of a vast majority of the people in the world. Such has been the success of the evolutionary process.

Service is frequently regarded as an endeavour to bring people around to the point of view of the achiever who serves, because what the achiever has found to be good and true and useful, must necessarily be good and true and useful for all. Service is viewed as something they render to the poor, the afflicted, the diseased and the unhappy, because they think they want to help them, little realizing that primarily this help is offered because they themselves are made uncomfortable by distressing conditions, and must therefore endeavour to ameliorate those conditions in order to be comfortable again themselves. The act of thus helping releases them from their misery, even if they fail to release or relieve the sufferers.

Service is frequently an indication of a busy and over-active temperament, or of a self-satisfied disposition, which leads its possessor to a strenuous effort to change situations, and make them what they feel they should be, thus forcing others to conform to that which they feels should be done.

Under-achievers, therefore, serve from a sense of obedience, and not from a spontaneous outgoing towards the needy. The essential quality for service is, therefore, lacking, and from the start they fail to do more than make certain gestures. Service is rendered from a deep seated desire for achievers’ spiritual perfection. It is regarded as on of the necessary qualifications for discipleship and, therefore, if under-achiever is to be a disciple, he must serve. This theory is correct, but the living substance of service is lacking. The ideal is right and true and meritorious, but the motive behind it all is entirely wrong.

Service should be rendered because it is becoming increasingly the fashion and the custom to be occupied with some form of service. The tide is on.

Achievers are actively serving in welfare movements, in philanthropic endeavours, in Red Cross work, in educational uplifts, and in the task of ameliorating distressing world conditions. It is fashionable to serve in some way. Service gives achievers a sense of power, service is their form of group activity, and frequently brings far more to them in a worthy sense than to being served.

If the under-achievers’ self is subordinated to the higher rhythms and obedient to the new “Law of Service”, then the life of the soul will begin to flow through them and to the others, and the effect in their immediate family and group will be demonstrated by real understanding and true helpfulness. As the flow of life becomes stronger through the use of this law, the effect will spread out from the small surrounding family group to the neighbourhood. A wider range of contacts becomes possible, until eventually if several lives have been thus spent under the influence of the “Law of Service”, the effect of the outpouring life may become nationwide and worldwide.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers’ Self-Discipline Is So Persistent In Action?

2008-08-27T11:17:00.004+08:00

“Single mindedness, determination, dedication, self-belief and the inability to ever give in are what distinguish people who do great things with their lives from those whose dreams die with them. When you have great perseverance you take into account what others say but you don't let it rule you. You remain true to your vision”.

- Thomas Henry Huxley

That’s the difference between achievers and non-achievers! Achievers’ persistence is their ability to maintain action regardless of their feelings. They press on even when they feel like quitting. When they work on any big goal, their motivation will wax and wane like waves hitting the shore. Sometimes they will feel motivated; sometimes they won’t. But it’s not their motivation that will produce results — it’s their action. Persistence allows them to keep taking action even when they don’t feel motivated to do so, and therefore they keep accumulating results.

Persistence will ultimately provide its own motivation. Achievers just know that by simply keep taking action, they will eventually get results, and results can be very motivating. For example, they may become a lot more enthusiastic about dieting and exercising once they have lost those first 10 pounds and feel their clothes fitting more loosely.

Will power is the ability to control unnecessary and harmful impulses. It is the ability to overcome laziness and procrastination. It is the ability to arrive to a decision and follow it with perseverance until its successful accomplishment. It is the inner power that achievers overcome the desire to indulge in unnecessary and useless habits, and the inner strength that overcomes inner emotional and mental resistance for taking action. It is one of the corner-stones of their success, both spiritually and materialistically.

Self-discipline is the companion of will power. It endows the stamina to persevere in whatever the achievers do. It bestows the ability to withstand hardships and difficulties, whether physical, emotional or mental. It grants the ability to reject immediate satisfaction for something better.

Achievers or non-achievers are full of inner unconsciousness, or partly conscious, and sometimes rather impulsive. Under-achievers sometimes say or do things they later regret saying or doing. On many occasions they do not think before they talk or act. By developing these two powers, under-achievers become conscious of the inner subconscious impulses, and gain the ability to reject them when they are not for their own good.

Under-achievers tend to do what’s easiest and avoid hard work — and that’s precisely why they should do the opposite. The superficial opportunities of life will be attacked by hordes of under-achievers seeking what’s easy. The much tougher challenges will usually see a lot less competition and a lot more opportunities if under-achievers have more perseverance to overcome their challenges.

Achievers prepare and anticipate behind closed doors. Lay the groundwork for success carefully: Effective preparation and self-discipline are closely allied. They do their homework. Since most under-achievers are rarely well prepared, achievers will often succeed by default. When opportunity presents itself, they burst out of the starting gate, sprint to the finish line, and take home the prize.

Achievers’ self-discipline is an act of their cultivation. Self-discipline requires under-achievers to connect today's actions to tomorrow's results. There's a season for sowing, a season for reaping. Self-discipline helps them know which is which. Do what needs to be done. Quality living requires under-achievers to make difficult choices and sacrifices; it demands that they do the hard work first. They cannot arrive at true success without making the trip. Self-discipline is a habit. It is not situational, but it is applied situation by situation. However, they can be self-disciplined on occasion, but to get consistently positive results they require consistency.

It is the day-in day-out practice of self-discipline that determines where under-achievers end up. After all, a lifetime is an accumulation of moments, days, weeks, months, and years. What you do during each moment counts and influence the degree to which you judge your life to be a success. If you aspire to achieve your goals, you must be prepared to play every play as though the two-minute warning clock is running. Every move is significant. Every move counts!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why The Achievers Understand The Law Of Substitution So Well?

2008-08-25T14:15:00.003+08:00

As the process of change begins, the individual journey to success is unique with a set of schemas, personal issues, and perception of life. Perceived fairness, or unfairness, good and bad memories, guilt, adaptive or non-adaptive patterns do indeed all play into the factors that can either increase or decrease the chances for achieving, but looking at common behaviors that all fall into and from there is a guideline that can provide a basis for expectant behavior if under-achievers are to achieve or facilitate the achieving process in themselves. An observation from the research done shows what happened to under-achievers as well as achievers in their mind when engaging in thoughts.

Achievers and under-achievers experienced 50,000 to 60,000 thoughts in your mind just within minutes. Most of the thoughts are repetitive and that many of them are very negative. Achievers made a deliberate effort to be keenly aware of them when they are engaging in the self-destructive negative self talk. They have vigilantly mastered the art of turning off this negative internal dialogue and actively choose a different voice. They understand the “Law of Substitution” so well to fully utilize it to create and build a strong mental mind.

The law of substitution is actually a very simple law that states that your mind is able to keep only one thought in a time. The moment one thought comes to mind the other leaves.

There are two types of thought givers: subconscious and conscious. Subconscious mainly gives you the flow of thoughts to keep you safe and worm in our comfort zone. It says things like: “Don’t go there, it’s frightening.” “Don’t do that. You are going to be embarrassed” “Don’t start that project, you are going to fail.” Subconscious also mistakenly describes your appearance and abilities like “You are not strong enough, wise enough, educated enough, beautiful enough, worthy enough and good enough. You can’t, you can’t, you can’t.” the result of such thoughts, of course, anxiety, disappointment, frustration and lack of self-esteem.

Achievers have learned to deal with their subconscious. They know they have their conscious mind to help them. They have decided to choose the thoughts to think with it, and that if they think with the conscious mind – the subconscious mind stays quiet and listens. That means that every time they do not like the thought in their mind they can substitute it with another one their conscious decides to think.

Under-achievers have to understand how to use this law of substitution. Every time their low self-esteem tells them bad things about them or talk them out of the thing they desire, they consciously choose to think the antagonist thought. For example they are told they can’t do it; substitute this with the thought that they can. It is better to say: “I can do, I will do it and I’m just going to do it”.

Whenever they stop actively substituting this negative inner dialog with positive self-talk, it will quickly and silently creep back into their daily existence. If they “fall asleep,” or lose their way, they must take the opportunity to listen to their negative internal self-talk. It is then that they can feel that the thoughts in their mind affect their body with a negative emotional charge that does not bring them to their highest good. When their internal self-talk is they can’t; they must first become aware and then actively turn these negative thoughts into thoughts of they can.

Using the substitution of the negative thought about themselves, under-achievers can learn to take control over their self-destructing thinking; they can then increase their self-esteem. However, it is not so easy when they begin using this law of substitution, but like everything in life, when is done systematically becomes a habit. This law can also become their habit, if they want it to. So they must start using this unique mind ability and substitute their low self-esteem to the new high self-esteem they have chosen to achieve.

Just remember, high self-esteem equals good relationship, achievements in business, strong health and finances. The development of your self-esteem opens the door to your special wonderland you always dreamed of. By consciously substituting all negative thoughts with positive ones immediately upon experiencing the negative thought. You can only experience one thought at any given time, therefore by substituting a positive for a negative, only positive ones will reach the subconscious that will lead to positive outcomes for you!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Are Achievers Accomplishing So Much Personal Fulfillment?

2008-08-22T11:38:00.007+08:00

Dr. Abraham Maslow coined the term “Self-Actualization” as the pinnacle in the hierarchy of human needs. Dr. Maslow summed up the concept as;

"A musician must make music, an artist must paint, a poet must write, if he is to be at peace with himself. What a man can be, he must be. This is the need we may call self-actualization ... It refers to man's desire for fulfillment, namely to the tendency for him to become actually in what he is potentially: to become everything that one is capable of becoming ..."

Have you ever wonder why achievers have been able to accomplish much more in life compared to the non-achievers? The real difference is achievers have the ability to self-actualize much more in life than the non-achievers. On a most basic level, achievers and non-achievers are required to satisfy their needs for food, water, and air. It is only when these basic needs are met that they can turn their thoughts to higher needs, such as love and acceptance.

As each of these needs is fulfilled, some of them reach a point of restlessness. It is at this point that they begin to seek higher goals of personal fulfillment. They attempt to grow beyond what they currently are and they strive to fulfill their highest potential. This is what Maslow termed self-actualization.

It is through self-actualization, achievers seek personal fulfillments in life. Achieving this state of fulfillment, however, involves more than having success in the workplace or the admiration of others. It is a goal that achievers want to achieve through different methods and with drastically different results to achieve a more holistic life.

The flaws with under-achievers are they are often obsessed about their goals and leave behind other matters which are vitally important. If they are dominated by a higher need, this higher need will seem to be the most important of all. It then becomes possible, and indeed does actually happen, that they may, for the sake of this higher need, put themselves into the position of being deprived in a more basic need. When their basic needs are being derived, they no longer can fulfill the next stages of self-actualization to their full potential to be the best they can ever be.

As for achievers, they have an internal natural drive to become the best possible they ever can be. They have within them a pressure toward unity of personality, toward spontaneous expressiveness, toward full individuality and identity, toward seeing the truth rather than being blind, toward being creative, toward being good, and a lot more. That is they believe that they are so constructed that they press toward good values, serenity, kindness, courage, honesty, love, unselfishness, and goodness.

Some profound and interesting characteristics from our research of achievers who have self-actualized have the following findings. Their interpersonal relations are profound and intimate. They are capable of greater love than others consider possible. They seemed to have the ability to demonstrate benevolence, affection and friendliness to everyone. When coming to learning, they are able to learn from anyone humbly regardless of class, education, political belief, race or color. They do not confuse between means and ends. They do not do wrong, enjoying the here and now, getting to goal--not just the result. They make the most tedious task an enjoyable game. They have their own inner moral standards appearing amoral to others. They love to joke and they use jokes as their teaching metaphors, intrinsic to the situation, spontaneous, and can laugh at themselves without cracking jokes that hurt others. They have inborn uniqueness that carries over into everything they do, see the real and true more easily, original, inventive and less inhibited. They are painfully aware of their own imperfections, joyfully aware of own growth process. They have philosophical acceptance of the nature of his self, human nature, social life, nature, physical reality, remains realistically human.

With this deeper understanding and knowledge of the profiling of achievers, under-achievers will then have this bigger capacity to motivate themselves to realize their goals. It will also oblige them to actively work toward self realization and respond to the call that a value makes on them. This whole discussion shows the importance of studying Values and Ethics in being an achiever. Under-achievers have to discover their range of possible moral behavior and success characteristics to model after and improve upon if they are working after their goals toward personal fulfillment.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Keep Talking To Themselves In Their Mind When They Are Faced With Defeats?

2008-08-21T13:51:00.003+08:00

Take notice and pay attention to the things you say to yourself every day! Many times you may catch yourself saying (not out loud but only in your head of course) something about yourself or your life that you would never, never in a million years say to another person. I’m talking about the limiting, self-deprecating, disparaging thoughts and silent comments that under-achievers have, the thoughts of doubt about their abilities and themselves, the feelings of disgust when they look in the mirror facing their doubting poor self-image.

Under-achievers failed to monitor their conversations and their thoughts they have about themselves. When they are faced with a challenge, a fearful situation, it is not common for them to react by talking to themselves and "commanding" themselves to overcome this fear and succeed on the challenges. This is in fact, a proven effective method used by achievers for overcoming fear. One theory of addressing the fear is to enhance the individual's concept of success. Achievers are able to imagine and believe that they can be successful at a certain event, encounter or situation; they command and use their fear to channel productive outcomes in what they are fearful to do.

According to research, there is one theory by a psychologist from Stanford University that overcoming fearful behavior can be addressed by self efficacy: the achiever's belief that he can overcome his fear. In effect, he addresses fear by "talking" to himself and believing that he can overcome it.

Changing the self-talk from negative to positive can in itself bring about a change in the mind-set. For one thing that achievers do is the very process of putting into words what they want rather than what they hope to avoid, changes their way of thinking. They think of the words that will bring about the associated mental pictures, and if the words are linked to something emotive, associated physical sensations too. So they start to see and feel what they want to achieve. This, hopefully, will have more pleasant associations and induce a more positive response – such as relaxation, confidence, or excitement – rather than the unpleasant response associated with the situation they want to avoid. So for example by replacing:

“I mustn’t get angry!” with

“I’ll stay calm”

They are also replacing the image and sensations of clenching fists, reddening face, losing control and feeling tense with those of staying relaxed, talking calmly, and discussing rationally. Using positive language forces them to formulate what they want, and to begin to manifest it by putting it into words.

Achievers’ self-talk—the words that they use to describe what is happening to them and to discuss how they feel about external events—determine the quality and tone of their emotional life. When they see things positively and constructively, and look for the good in each situation and each person, they have a tendency to remain positive and optimistic. Since the quality of their life is determined by how they feel from moment to moment, one of their most important goals should be to keep themselves thinking about what they want and to keep their mind off what they don’t want or what they fear.

When the mind is filled with positive self-talk energy, the soul will be uplifted with feelings of encouragement, self-motivation and a "can-do" attitude. Once the thinking is uncluttered, it will bring to completion things left dangling from the past and train the self-talk to focus only on being the achievers, and the road to success will be a much shorter journey.

If under-achievers pay attention to what is going in their mind, they will discover that the mind is in a constant state of thinking. There is a constant self-talk activity going on. They can actually use this self-talk to their advantage, when they know how. They can fill their mind with positive thoughts, and direct it toward achievement and success. They can do so by repeating positive words and statements, instead of occupying the mind with useless or negative thinking.

The starting point in the process of becoming a highly effective person like an achiever is to monitor and control the self-talk. The conscious mind can hold only one thought at a time, either positive or negative. If under-achievers deliberately choose a positive thought to dwell on, they keep their mind optimistic and their emotions positive.

The real power of self-talk lies in how it changes behavior. Simply correcting the internal programming will improve the mood, but it won’t do the most important job. The ultimate purpose of examining what is going on inside the head is to change actions that are self-defeating. Thinking correctly does alter the negative moods, but enduring change comes only with modifying the behavior.

To activate the full power of your self-talk, you must follow the path that your new, accurate inner messages point. Underachievers would need to actually terminate their current relationship and, with the aid of further encouraging and supportive self-talk, get back into social situations where they can meet new people and begin forming new relationships.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Apply The Law Of Concentration For Success In life?

2008-08-21T09:49:00.003+08:00

Law of Concentration involves a honing in on all the attention so that one's entire field of attention is thrown into whatever it is that one is doing. Concentration entails a focusing of energy-the energy that influences all our actions in life.

From our research, we realize that achievers have been men of great concentration. Their success is not accidental but is related to their thoughts in their brain. When a brilliant thought or idea strikes their mind, they ensure that their thought or idea is being nurtured and reared with patience, will, focus, and determined action. With this intense concentration of energy will the tiny seed of an idea truly flower into a vibrant plant. The entire basis of the flowering is the mind and its powers. Had there been no thought in the mind and appropriate action thereafter, the result would not have been achieved. Applying this law is like focusing the rays of the sun through a magnifying glass; achievers focus and re-direct the concentrated rays of the power behind their divine thoughts.

Control of the mind is the achievers’ precursor to success in attempts at concentration. Yet if their mind is preoccupied solely with the idea of having to control the mind like under-achievers, they will be so busy trying to control their mind that the object or concept of concentration will take centre-stage in Amnesia land!

Achievers understand that it is the sensual distractions to which the mind is drawn that are the culprits of under-achievers inability to concentrate. So they must work at being able to successfully and scientifically isolating their attention from them. Calming the senses, withdrawing their life force away from the sensory-motor nerves which are the conductors of sensations, and channeling them into the higher centres of their consciousness is therefore the key. They must make it a habit to introspect and watch their mind carefully. Rising thoughts must be silenced and emotions have to be calmed.

Success in achievers’ life presupposes the power of concentration. Their focused thoughts create a dynamic but silent power within that will find them placed in situations akin to the nature of their thoughts. If they think ' good health ' and with faith and belief embedded deeply within their minds over a sustained period of time, they will gradually create for themselves situations and an environment, which will be conducive to good health. Yet as they understand the workings of this power of this law, it is essential that they not misuse the power and that they be more involved in purifying their desires so that all that they seek will only be bathed in the hue of wisdom and righteousness.

As under-achievers attempt to practice controlling their mind, never fight with it. An obstinate struggle only sets into motion more waves of despair and frustration. They should beware of committing this serious error in their eagerness to succeed. Correctly practiced, engagements in concentration will quickly lead to a calming of the functions of the heart and thereby, the energy that was formerly used by the heart will now be available for use to achieve any other noble ambition. Exercises in concentration are not only for the under-achievers, but are diligently practiced even by those seasoned in meditative practices. The mind is like a wild cat and needs to be tamed.

Each of you is born with a certain degree of latent developed concentration, but the more you are aware of the existence of this power, and the more you seek to consciously use it, the more will you actually develop it. Achievers are men of concentration. Nothing of essence in life is achieved without concentration.

Be it in life, business, sport, art, or healing, concentration is the real key which helps one harness one's inner divine potential. Concentration aids you in drawing more of the life energy into your physical self and thereby raising your level of existence to higher layers of awareness. As you spiritualise your consciousness through channeled techniques of concentration, your energy pattern becomes more vibrant and pure, ushering all round tranquility and calmness into the temple of your mind. Self-mastery demands tremendous will power and wise channeling of conserved concentrated energy, re-directed in the best possible way. Achievers have done it so can under-achievers?

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Use Sport Programming Techniques To Program Themselves For Success?

2008-08-20T10:28:00.005+08:00

Look at the performance of the world class athletes and you will understand why they are the achievers. How can they maintain their peak performance all year round breaking records after records? Why are they the best athletes in their sporting field?

Most of the athletes started off in their field with some gifted talents but what spur them to be the champion now? Is It their talents, desire, skills, etc. that drive them to be the best in the world?

Athletes have been taught and trained to program themselves for success before actual sporting events to perform the best. They rehearse their winning in their mind, felt that win before the event and play it out on the actual event that the world sees.

Coaches around the world have used sport programming techniques to program athletes for success. Coaches understand sport psychology so well that they use it to prepare the athletes to peak and achieve best their performance.

Sport psychology is the study of athletes’ behavior factors that influence their active participation in sport, exercise, and physical activity. It works with the mental aspects of sport performance such as improving mental toughness, regaining composure, increasing confidence or refining focus. Coaches focus on the strategic and physical components of competition through skill development and routine practice. However, sports psychology professionals strive to enhance the minds of athletes to help them identify the internal and external triggers that impact performance. As a result of mental game coaching, athletes are more mentally equipped to handle the pressures of competition, overcome negative thoughts or beliefs, enter the zone more quickly and remain focused for longer periods of time. All of these skills lead to improved performance and a stronger, champion mindset!

Champion athletes have mastered the mental game toughness in sports. They understand that their mindset - attitudes, beliefs, and thoughts - influence their performance behavior. They have the knowledge to perform free from mental game obstacles so they can get the most out of their athletic abilities.

Under-achievers of all ages and abilities can learn the same strategies and program themselves to perform consistently well not only in competition but also other areas in their lives, to boost their performance and give them the mental toughness skills to succeed in life.

Achievers have learned to uncover behaviors and attitudes that prevent them from performing their best. They have not only learned to excel by mastering the mental strategies to take them to the next level but they have also learned to peak their performance in life. They understood why practice is important to program their muscle memory for successful movements that carry them like a true champion in whatever they do. It can be just the speech they deliver, their body language being perceived by others, that facial smile to the people around, etc. which needed the excellent control and contraction of each muscle in their body anatomy. They have understood how the practices improve their practice efficiency that when they execute it, it’s always the best and winning formula that people inspire to emulate. They have uncovered the secrets to peak performance that under-achievers have failed to realize!

Under-achievers need to learn how to break free of their frustration caused by not performing up to your potential in life. Talent and hard work alone does not produce peak performance in life. Talent, hard work, and determination combined with mental toughness leads achievers into the winner's circle - consistently!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Have Super Conscience Creativity?

2008-08-19T11:48:00.006+08:00

How much creative potential do achievers have? Numerous research investigations have highlighted the importance of certain personality attributes of achievers for creative functioning. These attributes include, but are not limited to, self-confidence and a willingness to overcome obstacles, to take sensible risks, and to tolerate ambiguity. Achievers deliberately make super conscience efforts to pursue ideas that are unknown or controversial often means defying the crowd.

Because of their intrinsic, task-focused motivation they have the capability to come out with creative works. Achievers rarely do truly creative work in an area unless they really love what they are doing. This love and passion allow them to focus on the work rather than on the potential rewards. Interestingly, carrying out their creative activities also simultaneously helps to generate their intrinsic motivation.

For their creative works to evolve, achievers need an environment that is supportive and rewarding of their creative ideas. They could have all of the internal resources needed to think creatively, but without some kind of environmental support such as a forum for proposing those ideas and constructive feedback, their creativity might never be displayed.

All creativity actually begins with a seed of an idea. The problems with under-achievers are they don't feel like they ever have any ideas. When the truth is they have plenty, they just don't capture them, and then forget they ever had them in the first place.

Achievers make a conscience effort to keep an Ideas Journal with them - a notebook to jot down creative ideas as they come to them - and get into the habit of using it. The more ideas they capture, the more ideas will follow. It's like one big ideas party in their journal!

Achievers believe they are highly creative. However, under-achievers can’t be creative because don't think they are creative. Their beliefs are the ceiling for their creativity, and if their ceilings are low, you're short changing them in what you're capable of. Underachievers have to start by looking at their current beliefs around creating and how creative they are. Do they think: "I am highly creative and my ideas flow like a raging river"? Or do they believe: "I will always struggle to create; I've barely any natural talent"? Identify all their beliefs, highlight the positive ones, and turn the negative ones around. They have to begin to think of themselves as a creative person and of creativeness as a set of skills that they can practice and get better at using. Next, they have to make conscience efforts to surround themselves with people who love and support them, particularly those who can give them honest and constructive feedback. They also have to try to expose themselves to a diversity of environments, cultures, ideas, and symbols.

By learning to experiment with creative thinking techniques, such as mind-mapping, brainstorming, lateral thinking, simulation exercises, etc., they test out their thoughts and ideas in a variety of media. They also need to take time to relax and rest their mind to properly reflect on and digest different ideas.

Achievers try to probe deeper on things that, on the surface, seem obvious. They are not afraid to ask questions. Some of the most penetrating questions are so-called ‘dumb’ questions. The only dumb questions are the ones that are not asked. They will make time meditating on their own strengths and weaknesses, and understanding and overcoming their personal blocks to creativity. These obstacles could be a big ego, fear of embarrassment, negative thinking, entrenched routines, and self-criticism.

It is important to remember that creativity requires great patience and humility; a willingness to work hard for creative outcomes; and, deep concentration on the power of intrinsic creative forces. Believe you can become a creative achiever today by making super conscience efforts to be creative from here!

Click here to Tell Your Friends Now!

Yours Sincerely

Sean Toh &

Credit Plus Health's Team

Why Achievers Understand ‘TOO SOON OLD! TOO LATE SMART!’ Concept So Well?

2008-08-18T13:56:00.003+08:00

Too soon we get old, and too late we get smart is the old Yiddish proverb! Generally, under-achievers get smart too late in their lives. By the time, when they are smart, they are also too old to be able to reap many benefits from life after being smart. Achievers seemed to understand this concept “Too Soon Old! Too Late Smart!” so well that they want to be smart first before they are too old to achieve anything or whatever goals they set in life.

Achievers understand that by making slow and steady contributions just to win the day they don’t have to rush later in life. They can then enjoy their fruits of labors while they are still young. They start their day early; investing everything they can afford to, and they know that the resources they invested in are working for them in the long term to bear fruits of successes for them.

Under-achievers fail to understand themselves well enough in their relations with their environments and interactions to be able to make very decisive choices to be smart. Their stubborn characteristic and fear of failing prevent them from being smart to learn from the processes. Instead of moving on and learning something from that encounter, they devoted their time and resources in doing things that they could never excel in and they will complain about life and grow old in the process.

Times flies! Achievers want to learn so fast and they want to become smart fast before they are too old, enjoying all their fruits of labors. They will make informed decisions and they are rational in abandoning activities that are not productive, not leveraging enough or they can never be good at from their in-depth understanding of themselves even if they have the perseverance to continue doing them. They understand themselves so well that they want to make very decisive judgments to succeed before they are too old.

More often, underachievers describe themselves as living a boring or conflicted coexistence that makes economic sense but lacking in excitement or emotional satisfaction. Much of their difficulty in developing & sustaining personal relationships resides in their failure to recognise, in themselves as well as in others, those personality characteristics that make them a poor candidate for a committed relationship.

Under-achievers often ask for medication. They are tired of their sad mood, fatigue, & loss of interest in things that previously gave them pleasure. They are having trouble sleeping or they sleep all the time; their appetites are absent or excessive. They are irritable & their memories are shot. Often they wish they were dead. They have trouble remembering what it is to be happy.

From my research into the behaviors of under-achievers, there are certain recurring themes in their stories: Others in their families have lived similarly discouraged lives. The relationships in which they now find themselves are either full of conflict or “low temperature,” with little passion or intimacy. Their days are routine: unsatisfying jobs, few friends, lots of boredom. They feel cut off from the pleasures enjoyed by others. They tend to devote great amounts of time & energy to efforts to assert control over what happens to them in their uncertain progress through life. They are taught to pursue an elusive form of security, primarily through the acquisition of material goods & the means to obtain them. There is a kind of track that they are put on early in life with the implicit suggestion that, if they ‘succeed,’ they will be happy.

Achievers will look at the way they are living with an eye to change. They will not be always talking about what they want, what they intent. Those are dreams and wishes, and are of little value in changing their mood. They are not what they think, or what they say, or how they feel. They are what they do. They educate themselves that not being in control is a popular illusion closely related to the pursuit of perfection. They have come to understand that such a world is impossible, sometimes they would even go to great lengths to achieve whatever control they can over those around them through the exercise of power or manipulation. Instead, they would learn to be smart and go on to do what they can achieve every single minutes of their time and achieve a lot more out of life as compared to most under-achievers.

Learning to be “Too Soon Smart! Too Late Old!” will take some form of paradigm change and education for the under-achievers before they can achieve some success in their lives!

Here are 30 true things under-achievers might need to know, re-educate and change themselves for more success in their lives.

1.If the map doesn’t agree with the ground, the map is wrong.
2.We are what we do.
3.It is difficult to remove by logic an idea not placed there by logic in the first place.
4.The statute of limitations has expired on most of our childhood traumas.
5.Any relationship is under the control of the person who cares the least.
6.Feelings follow behaviour.
7.Be bold, & mighty forces will come to your aid.
8.The perfect is the enemy of the good.
9.Life’s two most important questions are ‘why? & ‘why not? The trick is knowing which one to ask.
10.Our greatest strengths are our greatest weaknesses.
11.The most secure prisons are those we construct for ourselves.
12.The problems of the elderly are frequently serious but seldom interesting.
13.Happiness is the ultimate risk.
14.True love is the apple of Eden.
15.Only bad things happen quickly.
16.Not all who wander are lost.
17.Unrequited love is painful but not romantic.
18.There is nothing more pointless, or common, than doing the same things & expecting different results.
19.We flee from the truth in vain.
20.It’s a poor idea to lie to oneself.
21.We are all prone to the myth of the perfect stranger.
22.Love is never lost, not even in death.
23.Nobody likes to be told what to do.
24.The major advantage of illness is that it provides relief from responsibility.
25.We are afraid of the wrong things.
26.Parents have a limited ability to shape children’s behaviour, except for the worst.
27.The only real paradises are those we have lost.
28.Of all the forms of courage, the ability to laugh is the most profoundly therapeutic.
29.Mental health requires freedom of choice.
30.Forgiveness is a form of letting go, but they are not the same thing.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Set Goals That Are In Harmony With Each Other And In Line With Their Values?

2008-08-15T16:23:00.005+08:00

Achievers and under-achievers set goals. Yet, most goals set by under-achievers remain unfulfilled. Goal setting is the most important tool achievers have learned to use to leverage their success. Achievers are very focused in their lives and they use goal setting to create their destiny. Focus is the one key quality that is consistently found in people who are high achievers. Yet through the years, in study after study, it is found that only 4 percent of the population ever set goals by writing them down. What is even more astonishing is that the 4 percent of people who write their goals down achieve them almost 100 percent of the time. If goals setting are so powerful, and successful, then why do so many under-achievers not actively engage in creating their own destiny?

Achievers know where they want to go and they have a sense of purpose or meaning in life filled with dreams and visions which they would like to achieve. Their goals are dreams with deadlines which propel them on their journey of self-discovery and self-achievement.

Under-achievers don’t have goals. They have wishes, desires, hopes, and dreams. Dreams come to them as they go about their daily life. Wishes dart in and out of their daily consciousness. They think of new interests they will like to pursue, changes they like to make, and great things they hope to achieve someday. They are pretty sure they have the ability and fully intend to do all those things sometime in the future.

It seemed that goal setting is the single most important life skill that unfortunately over 96% of under-achievers never learn how to do properly. Goal setting affects every single area of your life, whether it is financial, physical, personal development, relationships, or even spiritual in nature. Not surprisingly, it’s those top 4% that earn most of the money, or who are the best athletes in the world, or achieve optimal health and happiness in their lives, while the greater majority of people spend their days griping, complaining and blaming about those top achievers.

What the achievers have learned to do when setting their goals which the underachievers do not know is to set realistic goals that are in harmony to each other and in line with their values. Goals set by achievers are clear & concise. They will make sure they are written down and have deadlines. Under-achievers write goals that are not clear & concise without an expected date of attainment. The main difference here is achievers set goals and under-achievers set a wish. Wishes are okay if waiting for someone else or something else to grant the under-achievers. You see, achievers make sure that they breathe life into their goals so they can have the strength to prod them along the path of success. The key to the achievers’ goals is it must be in harmony with their life's priorities. If they aren't, they will either experience disenchantment if they attain them, or more likely, they experience a frustrating series of sub-conscious self-sabotage that under-achievers always experienced.

Achievers never set conflicting goals in life or they will be conflicted. Their goals are always in harmony with their core beliefs and self-assigned purpose in life which they understand that to have conflicting goals will raise their stress levels and frustrate them. Yet, under-achievers do that to themselves all the time. It is not so easy to understand that under-achievers may have some deep-set unconscious game plan for their life (whether from some basic spiritual urge or from some sense of undefined purpose) and the goals they set may actually be in conflict with that really desired.

Decide if you are an achiever and what you are here to do and then set your goals in alignment with yourself, on a subconscious or super conscious level? Goal setting is something that will transform your life, because mastering the process of setting and achieving goals is at the heart of life itself. The energy generated by repeatedly setting and achieving your own goals is an energy that can work miracles. Nothing you will ever do can even approach the motivating power that comes from setting demanding goals, measuring your progress toward them, and then systematically achieving them.

Effective goals will keep you incredibly focused. Nothing will get in your way. Effective goals will liberate you rather than shackle you. They will improve the quality of your life. Effective goals will give you life balance, they will motivate you, they will challenge you, and they will allow you to create your own destiny. Without goals, you can only dream your dreams just like an under-achiever!

Click here to Tell Your Friends Now!

Yours Sincerely

Sean Toh &

Credit Plus Health's Team

Why An Achiever’s Self-Concept Is Based On His Beliefs?

2008-08-14T17:03:00.003+08:00

There is a great deal of research which shows that the self-concept of an achiever is, perhaps, the basis for all his motivated behavior. It is his self-concept that gives rise to his possible selves, and it is his possible selves that create the motivation for his behavior. Achievers have great self-esteem that clearly differentiated their self-concept. Achievers know themselves and they maximize outcomes because they know what they can and cannot do.

Achievers generally develop and maintain their self-concept through the process of taking action and then reflecting on what they have done and what others tell them about what they have done. They reflect on what they have done and can do in comparison to their expectations and the expectations of others and to the characteristics and accomplishments of others.

Self-concept is not innate, but is developed or constructed by an achiever through interaction with his environment and reflecting on that interaction. This dynamic aspect of self-concept is important because it indicates that it can be modified or changed. There is a growing body of research which indicates that it is possible to change the self-concept. Self-change is not something that people can will but rather it depends on the process of self-reflection. Through self-reflection, he often comes to view himself in a new, more powerful way, and it is through this new, more powerful way of viewing the self that he develops possible selves. The stronger and positive the beliefs, the more unique and greater self-concept will be evolved through this interactions around the self.

There are several different components of an achiever’s self-concept: physical, academic, social, and transpersonal. The physical aspect of his self-concept relates to that which is concrete: what he looks like, his sex, height, weight, etc.; what kind of clothes he wears; what kind of car he drive; what kind of home he live in; and so forth. His academic self-concept relates to how well he does in school or how well he learns. There are two levels: a general academic self-concept of how good he is overall and a set of specific content-related self-concepts that describe how good he is in math, science, language arts, social science, etc. The social self-concept describes how he relates to other people and the transpersonal self-concept describes how he relates to the supernatural or unknowns.

An achiever understands that his self-concept is his individual's conceptualization about how he thinks about himself. It is a subjective sense of his self and his complex mixture of unconscious and conscious thoughts, attitudes, and perceptions. His self-concept provides him a frame of reference that affects his management of all situations and relationships with others. His self-concept, or how he thinks about himself, directly affects his self-esteem which gives rise to his evolving confidence that an under-achiever is always lacking.

An under-achiever’s negative self-concept gives a sense of meaningless, emptiness, and inconsistency to him. An unhealthy self-concept has a high degree of instability and generates negative feelings toward him. When his poor beliefs reinforce his self-concept, his self-esteem is lowered as a result. In a way, his self concept is dependent upon how he thinks about himself in relation to the world, and the qualities that he ascribes to himself. How he thinks he has performed depends on his beliefs he received from the environments or interactions!

Fortunately, you can get rid of those self-limiting beliefs. However, you have to identify them first. They could be lurking in the recesses of your minds without your awareness. Talking with a friend or consulting with a coach could give you more objective feedback as to their existence.

Once you have identified them, these limiting beliefs must be challenged every time they rear your heads. You must consciously reject any thoughts or suggestions that you are limited in any way. There is nothing you cannot do. You simply need to find your way and follow it to conclusion.

When the self-limiting thoughts are starved of attention, they wither and die. Whatever you give attention to magnify: whatever you do not attend to shrivel up and die. You cannot take the mild approach to the weeds in your mental garden. You have got to hate weeds enough to kill them. Weeds are not something you handle; weeds are something you devastate.

No one is better than you are. If others do better, it is simply because they have had more practice, more experience, and/or they know something that you don’t. And all this can be remedied. It’s what you build upon your initial investment that makes the difference.

Hence, dynamic inter-relationship between your thoughts, beliefs, and personal core values, all feed into your self-concept and self-esteem development, and in turn, your self-empowerment. Your empowering beliefs such as 'I am capable of achieving anything I desire to; support your hopes and dreams. If you hold negative beliefs such as 'I am not worthy to do what I dream of', you are actually undermining your potential. Beliefs are at work even when you are not consciously thinking of them. Achievers address any negative self talk and beliefs, whether at the conscious level or the subconscious to be the best they always will be!

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Maintain High Level Of Health And Physical Energy?

2008-08-14T14:07:00.004+08:00

Have you ever wonder why achievers have so much energy overcoming great challenges and yet achieve what they set out to do? After researching and reading into people of great successes, I realize that all these achievers have created for themselves a health plan to enable them to have far more physical energy and also to maintain a high level of health that allow them to strive for the greatest success they always desire.

Achievers know that the better they take care of themselves, the more calm, positive, and creative they will be. This is why often their best thinking, their best ideas and their best decisions come after a holiday, vacation or period of rest. They increase the quality of their lives by eating right and getting the right amount of rest. They also find that by taking more time off they create more opportunities for high quality thinking time which will have a positive effect on their lives, career and income. They enjoy high levels of health and vitality and they also understand that their current levels of energy and physical well-being are perhaps the best indicator as to how well they are currently doing in your life.

The best investment an achiever can ever make is his body. It pays for itself over and over again, every minute, every hour and every day. As he develops the habit of good health, nutrition, exercise and overall proper care for his body, it affects every other area of his life in a healthy and positive way as well. The quantity and quality of his energy flow deeply affect his emotions, thoughts and reactions. The quality of his relationships, productivity, creativity and health all depend upon creating a high level of harmoniously flowing energy.

Simple techniques and methods that have been researched and proven to maintaining high levels of vitality and physical health that have been incorporated in an achiever’s lifestyles should be;

1.Maintain a proper diet. Eating a proper diet requires that you eat more fruits, vegetables, whole grain cereals, and more lean sources of protein. Eat more fish, chicken, prime cuts of meats, egg whites, low fat yogurts, and soy products. When you eliminate most fats from your diet and replace them with high-quality vegetables and lean-sourced protein you'll increase your levels of energy, clear your mind, and lose weight.

2.Maintain proper hydration. Water is one of the greatest aids to good health that you can possibly consume. Studies show that you should drink eight glasses of water daily and more if you're doing physical labor or exercising. In fact, medical studies have shown that as much as 70 percent of all health problems can be eliminated or reduced by increasing your water consumption. This is mainly because of the tremendous amount of toxins and impurities that you flush from your body when you drink water.

3.Maintain the proper weight. This simply means that you should eat less and exercise more. The way you think plays a dominant role in your eating and exercise habits. For example, under-achievers who are overweight often think about the pleasure of eating and give little or no thought to how they will look and feel afterwards. Whereas achievers who are never overweight are usually very thoughtful about how they will look and feel after eating. They don't like the feeling of being full or looking fat, so they eat less and stop eating sooner.

4.Get the right amount of exercise. Studies show that on average you need to get 200 minutes of exercise weekly or about 25 minutes per day to maintain a high level of fitness. You can get daily exercise from a variety of activities such as, walking, swimming, cycling, golf, tennis and exercise equipment. Perhaps the best exercise you can get is doing aerobics for 20 to 30 minutes, 3 to 5 times per week. One important note on exercise: Before you start an exercise routine you should get a complete medical check-up.

5.Get the right amount of daily vitamins and minerals. It's almost impossible to get the right amount daily vitamins and minerals that you need from diet alone. This is why you should at the very least take a multi-vitamin each day. Opinions vary widely on which vitamin, mineral and herbal supplements are good and how much of each you should take. You should consult your doctor or a nutritionist before you start taking other supplements in addition to a multi-vitamin.

6.Get the right amount of rest and relaxation. You need 7 to 8 hours of sleep each night to be fully rested. It's important that you give your body, mind and emotions time to recuperate from the day. You can take a short 20 minutes nap during the day. Have at least one day set aside during the week just for your family and recreation where you don't think about your work at all. Here's an important rule to remember: The time when you most need time off is when you don't have time to take time off.

7.Breathing techniques are essential for the abundant flow of vital energy throughout the body and mind. Bio-energy is the basis of all physical and mental functions. Breathing exercises are one of the most effective ways to increase our energy level and keep it steady and harmonious so we will be less susceptible to low emotional states or illness. We should, however, have the guidance of person experienced in breathing techniques before we begin.

8.Creative self-expression is much more important to our physical, emotional and spiritual health and harmony than most people imagine. Man is a creative being. Our purpose on earth is to create in some way. We might create a family, a business, a farm, a painting, a piece of music, a dance, etc. Creative self-expression is essential for our health, harmony and happiness.

9.Discover your spiritual orientation. Each of us has his own personal relationship with the universe. Whether or not we adhere to any particular religion, it is important for our inner balance that we feel and cultivate our relationship with the whole as humanity, as nature, or as God.

10.Increase your self-knowledge of your body. We need to comprehend our own inner mechanisms, needs, desires, fears, expectations, beliefs and subconscious workings in order to free ourselves from the negative emotions, mechanisms or which undermine our health, happiness and relationships.

Achievers think of their body as a machine that is designed to last 100 to 120 years with the proper care and maintenance. They take good care of it and feed their body the proper foods and nutrients. Drink lots of water. Exercise regularly. Rest and recuperate, and give their body a chance to recharge on a regular basis.

The phrase that "you become what you think about" is never truer than when it comes to eating and exercise. The way achievers think about food and exercise determines how much they eat and how much they exercise they get. If achievers change their thinking about food and exercise, underachievers should change their behavior toward both so as to maintain high level of health and physical energy to spur themselves into greater heights!

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Create New Successful Habits Pattern?

2008-08-14T10:35:00.003+08:00

It takes time for achievers to learn to be successful too! Achievers are always in the process of reinventing themselves and learning new ways of being. They bother to take the time to learn what it takes to be a successful achiever.

One of the main things that an achiever learns to do in his life -- and it is not taught in the home or in the schools -- is self-analysis. He learns to analyze himself to be in touch with his personality by understanding his habit patterns. Underachievers find it very difficult to be consciously aware of every action they perform and realize that their actions are virtually their thoughts. Without thought there can be no action! Habit patterns and thoughts are revealed through the behavior!

An achiever has numerous habits; he understands his personality by understanding his habit patterns. A habit pattern is a conscious thought or action that he repeats again and again. This creates a groove in his unconscious mind and forms an unconscious habit. Unconscious habits are stronger than conscious habits. All habit patterns are self-created by the achiever himself. When he sits down and tries to understand which of his habits control his life, he sees that there are many deep-rooted habits within him. He studies them. Once he becomes aware of his harmful thoughts and emotions that have created deep grooves in the mind, he will begin to change them by creating new grooves. Then his mind will stop flowing to the old grooves and start flowing to the new ones. In this way an achiever changes his habits.

Deep-seated poor habits keep under-achievers from doing what would be good for them to do. He becomes helpless because of the obsessions and addictions that are caused by his poor habits. He may continues in a habit that he knows is not good -- that is neither healthy nor helpful and that should not be done -- because the habit has become so deep-rooted that he is powerless to change his behavior. Society does not help him change his bad habits, and there are very few places where he can get help. Under-achiever who is in the penitentiary knows that what he has done is a crime, but the force of habit led him to act improperly. He understands what is right and what is not right -- but his deep-seated habits have motivated him to do something that is not good, that is not acceptable.

Success comes from behaviors, which start out as thoughts. To change the habits or behaviors, an under-achiever will need to have different thoughts. What occupies the mind – the thoughts – propels achievers to behave in a certain way. If the achiever doesn’t like the results of his behavior, all he needs to do is to change his thoughts. Renewing or shifting from the current thoughts to those that are desired brings about transformation or change in the lives. This is what is known as having a paradigm shift – adopting a new way of thinking, of doing things, of behavior.

The good thing about habits is that they are acquired over time through learning, nuances, brainwashing and experiences. Since they are acquired, they can be replaced by changing the thought patterns that fostered them in the first place. To replace negative, self-limiting thought patterns, which is called “mental patterns of failure”; under-achiever must set as a first goal to reduce the impact of these patterns, and this cannot be done overnight. Just as it took time to acquire these mental patterns of failure, it will take time to release them and replace them with ‘mental patterns of success’. Achievers are those who rid themselves of their patterns of failure by brushing off distractions. When there are no pattern of failure limiting their progress, under-achievers are able to overcome temporary setbacks at the thought level. Since the battle for success is won or lost at the thought level, the success or failure in this arena is what makes you an achiever or under-achiever. Success comes naturally when the mastery of learning to control the thought patterns takes place. Mustering the art of thought control, no longer will under-achiever will be ‘tempted to act opposite to what he know is best. He can keep fear at a minimum and doubt is nowhere to be found.’

As I conclude, I believe that over 80 per cent of the setbacks that we face in life have their origin in how we think or react to life’s issues. How we think informs how we behave, and consequently the kind of actions we take – and the success we attain in life is largely dependent on the actions we take.

Most of the limitations that we encounter in life are self-imposed – and therefore can be overcome. As I have mentioned above, the battle is either won or lost at the thought level. If you feed your mind with thoughts that influence positive behavior, you will take positive actions and therefore achieve positive results. On the other hand, if you feed your mind with negative thoughts, you will behave negatively and take negative actions – resulting in failure.

My call to you today is to embark on an unlearning or relearning process. You need to unlearn all the negative habits that take your efforts away from success. On the other hand, if you have managed to inculcate positive habits in your life, you need to keep relearning these habits to ensure that doubt or failure will never have a foothold in your life. If you keep doing this constantly and consistently, you will, without doubt, attain gratifying success like most achievers.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Why Achievers Set “Peace of Mind” As Their Highest Goal?

2008-08-13T15:06:00.009+08:00

Achievers seemed to be able to maintain a state called “Peace of Mind” when they are striving for their goals. When their mind is in a state of “Peace”, an achiever has more mental resources and energy to think best and excel in making the best decision than the under-achievers in the journey of pursuing success if he encounters challenges.

One of the highest and most important goals an achiever set is the goal of having “Peace of Mind”. By setting this goal and working towards achieving it, achievers hold themselves to the standard of inner peace, and they will find that every decision they make will turn out to be the best decision. They have more energy, enthusiasm, and become more creative. They become a kinder, gentler, and a more loving person. When they set “Peace of Mind” as their standard, they will tap into a source of wisdom that will guide them without fail toward doing and saying the right things in every circumstance.

Most under-achievers have peace of mind only when they are asleep. Perhaps this is possible only when they are physically tired or exhausted, and the urge to sleep is stronger than the need to have peace of mind. The trouble lies in the under-achievers’ mind. Their mind is made up of fear, self-pity, insecurity, and failures, to name a few. All of these are products of negative thinking that pollutes the mind unnecessarily.

Achievers face troubles with courage by casting out the negative feelings of fear and insecurity. Empty their mind of all these negative habits and they don’t leave their mind empty for long to prevent it from leaning back to the negative side. They will cast out all the negative thoughts by emptying them from their mind, and refill with positive and inspiring thoughts.

A troubled mind is like a storm in your mind. Once the problem is gone, you will have peace of mind. Try to build a strong foundation of positive attitudes so that when another storm hits your mind, you’re prepared to face it. This is similar to practicing positive attitudes.

There are many ways to generate a peaceful mind. Think of words that suggest a calm mind - words like tranquil (a tranquil sea), serene, harmony, and stillness. Read poems, phrases, and excerpts that suggest a peaceful mind. You can also join group talks where the discussion is centered on how to achieve a mind harmonious with peace, love, and happiness. If you prefer to be on your own, moments of silence can make you obtain peace of mind. The library is a suitable place to be in. Pick up a book that suggests peace of mind and you may be able to find other means to obtain your objective.

Another good way is to use visualization. You can try visualizing peaceful scenes in your mind. For instance, you can initially picture in your mind a rainforest being battered by stormy weather. Branches of trees are vigorously swinging in all directions. Everything seems to be chaotic, just like a troubled mind. But storms don’t last. They move on. When they leave, sunshine or good weather comes in.

Another very effective method is to practice quiet meditation on a daily basis. You should set aside 30 to 60 minutes each day for meditation. When you begin to practice meditation on a daily basis, you’ll begin to experience a flow of energy coming into your mind and body. You’ll have a tremendous sense of well-being, and a stream of ideas will flow through your mind. And, most importantly, you’ll get the answer to the most important situation facing you every single time you meditate.

Do these processes as often as necessary - every time you think you need to. By repeating this process, you are practicing good habits aimed at keeping your mind free of negative thoughts and full of positive vibrations to achieve peace of mind.

Ultimately, this habit will become part of your daily activities until you get used to it. Once you do, you will find everything you do to be positive based in an effortless manner.

Set peace of mind as your highest goal. Associate only with achievers and work in situations that make you happy and contribute to your sense of inner peace and well-being.

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

Success Is Never Final!

2008-07-14T11:21:00.007+08:00

Hi Friends,

Hope you have a great day today because I’m having a great time writing for the world! Today is the day that I would just like to say “ Thank You” by sharing with the world some wisdom I happened to come across from a blog called “ Success Is Never Final”.

First of all, I must say that the title of the blog – “Success Is Never Final” is something that I could relate with in my life. People are so judgmental that when one fails to make it in life, they are considered a loser at that point. Most successful people in fact have failed lots in their lives before they succeeded in achieving what they set out to do. Success is definitely never final!

Who is this author who came out with this blog? Actually, he is a young gentleman by the name of Halim Gafoor. Above is a picture of Halim that I seek his permission to allow me to post on my blog and websites.

A young gentleman with great determination and perseverance who believes he can achieve a lot more in life not just for himself but for the world. Halim continues to learn from as many mentors as he could in life not just from the school but also from his immediate family members like his uncles. He learned a lot from his Uncle, Mohamad Ismail, who also happened to be the CEO of PropNex, Singapore largest leader in Real Estate Industry. Besides his uncles, the closest people he respected most are his father and mother who gave him all the emotional supports needed to drive his successes in life.

I shall not describe too much about him but let his pictures tell you what he is capable of. He is also one of youngest gentleman that I happened to know who is NLP (Neuro-Linguistic Programming) certified. Why would a young gentleman want to be NLP certified? Maybe, you could answer that for me!

There was one particular post in his blog that I like titled “How to deal with failure”. I shall leave you with the excerpt of the post.

One of the most important things you need to know about success is how to manage failure. As paradoxical (If something is paradoxical, it involves two facts or qualities which seem to contradict each other) as it may sound, how you deal with failure is one of the best indicators of your chances of achieving success. Now let’s be frank – dealing with failure is not easy. It is hard to accept failure. It hurts your pride. It does not feel good to fail. Yet, in order to achieve success you must not only be comfortable with failure, you must actually embrace it.

Have you ever seen someone who is hanging on to a failure and simply will not let go of it? It is very sad scenery. People that have a hard time dealing with failure tend to go in total denial about their failures. They ignore all the signs that are telling them they are at a dead end and they tend to dig themselves into a deeper and deeper hole. They spin and rationalize everything. The have a million reasons, or as some would call it, excuses, as to why they are in the situation they are in. They will spend countless hours justifying it, renaming it, redefining, it. They will do everything but the one and only right thing to do when faced with failure – embrace it.

When faced with failure, the most important thing you need to do first is recognize it and admit that you failed. If you can get past this one simple, but incredibly difficult hurdle, you will then be in a great position to do the second most important thing you need to do when you fail – learn from your mistakes. If you are truly committed to success, absorb and live by these words:

Failure is nothing but nature’s way of telling you that the way you went about it was not the right way.

Do you have strong failure management skills? The questions below will help test your ability to manage failure and achieve success:

Do You Share Your Mistakes with Others?

If you are afraid of sharing your mistakes with others, that is a good indication that you are not comfortable with failure. Make it a habit to share your mistakes with others. Be comfortable with your mistakes and failures to the point where talking about them does not bother you anymore.

Do You Only Do Things You Know Will Succeed?

If you hear someone say “I never failed” – watch out. This is a strong indicator that this person has never really experienced success because they so narrowly define the boundaries of what they are willing to try that they never get past mediocrity.

Are You Very Conscious of Your Mistakes?

When you do something wrong, if you become overly conscious of your mistake you will limit your ability to achieve success. It is very important that you not spend too much time thinking about past mistakes. Learn from them and move on. Do not let past mistakes prevent you from achieving future success.

Do You Think Failure is Shameful?

If you do, you need to get past this way of thinking. There is absolutely nothing shameful about failure. Failure is simply the result of an experiment. Failure is a powerful lesson of what not to do in the future. Failure is the best way to get to success.

Do you get the true meaning of what failure is trying to tell you? I hope you do. I hope you embrace failure. I hope you fail hard. I hope you fail often. The quicker you embrace failure, the quicker you will achieve success!

Yours Sincerely
Halim Gafoor
Teenage Motivational Speaker
www.succesisyours.blogspot.com

Yours Sincerely

Sean Toh &
Credit Plus Health's Team

ASIA’S VERY OWN ANTHONY ROBBINS?

2008-07-03T22:41:00.010+08:00

Hi Friends,

Today, I would like share with all of you an interview by "The Executive" on my good friend, Alan Yip, Founder of Mind Edge!

The headline was " Asia's Very Own Anthony Robbins ". I read the headline and straight away I was putting myself into Alan's mind. I was actually trying to understand why achievers can achieve much more than most average people.

In this headline, Alan is actually using Anthony Robbins as a role model and mentor to model after to motivate himself to achieve a standard that he feels will be a great standard to exceed his performance. In that same headline, Asia is the region that he was actually trying to empower the people with Mind Edge's learning technologies as they will be next generations of people shaping, leading the world economies and impacting the world with their implemented policies. The policies that they decide and make in the future will have tremedous impacts to the world developments, growth, stability, etc.

I always like to read the lauguages expressed, listen to the intonations and words said and understand how people think, behave, talk and act based upon certain stimulus conditions and environments because their expressions are in fact linked to how and what they are thinking in their minds. I have benefitted from reading this interview and I believe you will benefit from it too!

Read this interview and you will understand why "Mind Edge" will be a gobal leading force that you will want to be part of it because it's going to shape your "Minds with the Edges" that allows you to believe you can do anything you choose to do!

Interview On Alan Yip, Mind Edge's Founder & Peak Performance Trainer, by "The Executive."

To learn more about Alan, download a copy of Alan's profile and experiences and you might just be interested in engaging "MindEdge" for your corporate staffs' developement training!

http://www.smu.edu.sg/centres/usea/pdf/Alan%20Yip_Profile.pdf

Yours Sincerely
Sean Toh
Author of “4 Steps To Financial Freedom”
http://seantoh.mymangosteen.com/
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.org/

Secure Retirement Plus By Manulife Financial Has My Thumb-Up!

2008-05-25T21:16:00.005+08:00

Hi Friends,

The latest launch of “The Secure Retirement Plus” by Manulife Financial has my “Thumb-Up” if you are looking for a great financial product to plan for your retirement objectives.

This latest product by Manulife Financial is launch by very reputable insurer which is the sixth biggest group in the world with a strong financial rating of “AAA” given by Standard & Poors.

This product has won Manulife Financial the best insurer to receive “The Best Innovative & Financial Product of The Year” awarded by MAS (Monetary Authority of Singapore).

Below are some information about this new product. For more information and advice to suit your retirement goals, consult your financial advisor about this new latest product – “ Secure Retirement Plus!”

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!

P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Contact Us

For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.

Rich Dad 2008 Predictions

2008-04-25T22:02:00.004+08:00

Dear Friends,

Do you know about "The Secret of Why The Rich Got Even Richer"? The Secret has been revealed in a new issue of Google Video but this video might not be known to people who are too busy working their lives away without devoting some of time in their financial education. It was featured in Rich Dad's Show in America and might not be accessible to some people unless you have the time to search on the net for it.

In fact, MILLIONS of people around the world might not have watched this groundbreaking video and discovered The Secret for themselves. If you haven't, I seriously think it's high time you do and get a better conclusion and financial education for yourself and share with people you know!

Click here to Tell Your Friends Now!

I did some 'snooping' on the Net and I managed to find a sneak preview video of The Secret for you. I highly recommend you watch this and enjoy the show. I guarantee you will definitely enjoy this one.

Click Here To Watch This Video That Will Affect You For The Next 5 Years or Even Your Whole Life!

Yours Sincerely
Sean Toh &
Credit Plus Health's Team

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!
P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Contact Us

For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.

Team Up With 9 Time Olympic Gold Medalist Carl Lewis And Top Rated Internet Marketing Expert Corey Citron!

2008-04-23T16:45:00.002+08:00

"I drink XanGo Juice every day at every meal."

" The Olympic year is always a big year for Carl and now with XanGo it is for you too."

The Continuous Improvement Formula

2008-04-23T16:28:00.005+08:00

Put Your Career on the Fast Track

There are many things you can do to put your career onto the fast track. You can set clear, specific goals for each area of your life and then make plans to accomplish them. You can plan your work and work your plan.

Ask For Greater Responsibility

You can accept 100% responsibility for everything you are and everything you become. You can refuse to make excuses or to blame others. You can tell your boss that you want greater responsibilities and then when you get them, put your whole heart into doing an excellent job.

Utilize Your Inborn Talents

In the parable of the talents in the New Testament, Jesus says, "Oh good and faithful servant, you have been faithful over small things. I will make you master over large things."

If you too will carry out every assignment to the very best of your ability, you will be given larger and more important things to do and you'll be paid more as a result.

Dedicate Yourself to Continuous Improvement

The key to long term success is for you to dedicate yourself to continuous improvement. If you become one tenth of one percent more productive each day, that amounts to 1/1000th improvement per working day. Is that possible? Of course it is!

Improve a Little at a Time

If you become one tenth of one percent more productive each day, that amounts to one half of one percent more productive each week. One half of one percent more productive each week amounts to two percent more productive each month and 26% more productive each year.

The cumulative effect if becoming a tiny bit better at your field and more productive amounts to a tremendous increase in your value and your output over time.

How to Double Your Productivity

Twenty-six percent more productive each year, with compounding, amounts to doubling your overall productivity and performance every 2.7 years. If you become 26% more productive each year, with compounding, times 10 years, you will be 1004% more productive over the next decade. That is an increase of ten times over ten years.

The Reason For All Great Successes

This is called the Law of Accumulation, or the Principle of Incremental Improvement. It is the primary reason for all great success stories. By the yard, it’s hard. But inch by inch, anything’s a cinch!

Become A 1000% Person

Make a decision, right now, to be a 1000% person. Commit yourself to continuous personal and professional development. Read, listen to audio programs and take additional courses. This process will completely transform your life.

Action Exercises

Here are two things you can do to put these ideas into action immediately.

First, make a plan to become a little bit better every single day. Learn and apply one new idea each day to help you to become more productive and effective at your work. The incremental effect will amaze you.

Second, be patient. Don’t expect overnight changes or instant results. Remember the story of the tortoise and the hare. Become a little bit better each day and your future will take care of itself.

"Flight Plan -- The Real Secret of Success"

You need a flight plan to succeed. I'm always amazed at how many people fail because they just don’t have a plan. And having a plan isn’t enough. Just like an airplane pilot you must make course corrections to arrive at your destination – your goals.

When you learn to create your flight plan – Your life will become a success.

Your Ticket to Success

My best-selling book will show you how to get from wherever you are today to wherever you want to be in the future. Like any good pilot, you need a flight plan that you file before you begin and that you use to guide you on your way.

By Brian Tracy

Brian Tracy is Chairman and CEO of Brian Tracy International, a company specializing in the training and development of individuals and organizations.

I'm feeling so great in life!

2008-04-21T19:55:00.003+08:00

Hi Friends,
Have you ever feel so great in life? Today is one of the day where I'm feeling exceptionally grateful for what I have lived my life for. Thank you everyone! Wishing you all the best in whatever you undertake. Have a positive mental mindset and you will achieve whatever you set out to do.

Yours Sincerely
Sean Toh
Author of "4 Steps To Financial Freedom"
Independent Financial Consultant
http://seantoh.mymangosteen.com/
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.org/

XanGo Already In Taiwan! I already Predicted It's Exponential Growth Potential!

2008-04-05T20:51:00.003+08:00

Find Out While It's Still Growing!

The Cost Of Procrastination

2008-03-13T08:09:00.004+08:00

Hi Friends,

Do you know about the cost of procrastinating saving and investing your money? Lots of people put off the idea of regularly saving and investing their money till it's too late!

Most people undermine the effect of saving a small amount of money for the long term through a regular saving plan that invests their money that delivers returns that beat the inflation rate.

Today, I will illustrate the power of compounding your money for as long as you can because your best friend for your money is indeed your time horizon.

You can click on the image below to open up a new window to see the details of why the outcomes of different investors. Investor A and B respectively, can be so different.

Investor A started saving $500 per month and invested the money in a financial portfolio that delivered a return of 9% from the age 25. He was disciplined to save for 10 years from the age of 25 to 35 and decided to stop saving at 35.

While investor B chose to put off saving his money as he wished to enjoy his wealth first in his early years. At 36, he suddenly realized he needed to start saving for his retirement if not he would not be able to retire in the future. Hence, he embarked on the same regular saving plan as investor A at the age of 36 till he was 65 years old while investor A stopped at 36.

You would be surprised that the amount of wealth accumulated by investor A was approximately 1.5 millions while investor B only managed to accumulate half the amount what investor A had accumulated even though he saved regularly till the age of 65.

The conclusion from this illustration shows that everyone can be a millionaire if they embark on a regular saving and investing plan by saving a little amount of money with discipline and using time to help your money compound to bigger amount with a constructed investment portfolio that can deliver at higher interest rate that will beat the inflation rate.

Remember, the longer your time horizon, the better your chance of compounding your money! Your chances of being a millionaire is actually guaranteed if you start saving and investing early! If you are ready to take some actions now and are wondering how to construct a financial portfolio that guarantee a return of 9% and more, feel free to engage my services at 65-96487595 or e-mail at seantoh@creditplushealth.org.

Yours Sincerely
Sean Toh
Author of “ 4 Steps To financial Freedom “

Contact Us
For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.

Do You Know The Secret?

2008-03-11T23:42:00.003+08:00

Hi Friends,

Do you know about "The Secret"?

* The Secret has been featured in a issue of TIME magazine.

* It's been featured on Oprah.

* And it's also featured Larry King.

In fact, MILLIONS of people around the world have already watched this groundbreaking video and discovered The Secret for themselves. If you haven't, I seriously think it's high time you did! I did some 'snooping' on the Net and I managed to find a sneak preview video of The Secret for you.

I highly recommend you have a look at this and enjoy the show:

http://creditplushealth.org/financial%20education%20content/do%20you%20know%20the%20secret.htm

Yours Sincerely

Sean Toh

Author of “ 4 Steps To financial Freedom “

For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.

Understanding Those Born In The Year Of The Rat!

2008-02-08T10:12:00.000+08:00

Hi Friends,

This year is the year of the Rat and I happened to be one too! As I was researching the internet to learn about the rat for this coming new year to seek some advices on how I should act upon this great year of the Rat to greater success and prosperity, I found this site very informative.
It contains a detail account of the rat's horoscope and other Chinese horoscopes too.

Here is the detailed account of the rat's horoscope:

The Rat

Being born a Rat is nothing to be ashamed of. In China, the Rat is respected and considered a courageous, enterprising person. It is deemed an honor to be born in the Year of the Rat and it is considered a privilege to be associated with a Rat. Rats know exactly where to find solutions and can take care of themselves and others without problems. They use their instinctive sense of observation to help others in times of need and are among the most fit of all the Animal signs to survive most any situation.

Years of the Rat

First in the cycle, Rat Years begin the sequence and recur every twelfth year. The Chinese New Year does not fall on a specific date, so it is essential to check the calendar to find the exact date on which each Rat year actually begins.

The Sign of the Rat

Being born under this sign determines many talents, as well as other characteristics that may not be so commendable. Rats are very lively and need a lot of mental and physical stimulation. They can be calm and perceptive, but sometimes their brains can cause a mental restlessness, tempting them to take on too much, only to discover they are unable to meet their commitments. Rats are blessed with one of the best intellects going. Add to their intelligence a curiosity and a bright imagination, and they seem as sharp as a needle.

The sign of the Rat is the first sign in the cycle giving Rat people exude great leadership qualities and are good at taking the lead. They don't mind a lot of responsibility and they demonstrate a strong presence that other people respect. For those with the Rat nature, status and monetary satisfaction are the greatest motivation.

RAT FACTS:

People born in the Year of the Rat share certain characteristics. The Rat sign is an abbreviated way of characterizing that individual's personality. Following are features associated with the sign of the Rat. First in order, Chinese name-SHU, sign of charmHour-11pm-12:59am Month-DecemberWestern Counterpart-Sagittarius

CHARACTERISTICS

Smart, Magnetic, Well-liked, Affable, Quick-witted, Surreptitious, Selfish, Protective, Calculating

IN YOUR ELEMENT

The characteristics of the Rat Sign are tempered by one of the five Chinese elements of Metal, Water, Wood, Fire and Earth overlaying a 5-year cycle of characteristics on the original 12-year cycle.

THE METAL RAT 1900 AND 1960

Of all the Rats, these are the toughest and most resolute. They are visionary and possess an emotional intensity that can lead to feelings of rage, envy, or possessiveness. They like to be in charge, and can act selfishly to get what they want. In relationships, business or personal, they can be obstinate. Metal rats have to bear in mind that meeting their partner halfway would help their relationships tremendously. They take great pride in their homes and enjoy decorating them in their impressively good taste.

THE WATER RAT 1912 AND 1972

Being guided by the Water element means these Rats have a knack for influencing people. With their strong intellectual powers and great insight, they are also great puzzle solvers. They are quick to understand others and are incredibly practical people. Rats apply their talents to their everyday lives, making them obliging, generous and compassionate to other people. Generally, they are liked and respected by everyone. Like all Rats, however, they can be determined to seek their own gain, and will not mind using these talents to achieve it - though generally without losing anyone's respect in doing so.

THE WOOD RAT 1924 AND 1984

Despite having a remarkable facade of self-confidence, deep down, Wood Rats are the least sure of themselves compared to other Rats. However, they wouldn't dream of showing this side of themselves to anyone. Only close companions of a Wood Rat would ever suspect that he or she had such self-doubt. In fact Wood Rats are often worried about downfall, despite their ability to find success. Well-liked, proficient, and good leaders at work, Wood Rats seem to function best when they are surrounded by family and friends. Cordial and delicate, they are usually well loved by family, friends and peers.

THE FIRE RAT 1936 AND 1996

Fire adds a bit of spontaneity and vigor to the already spirited Rat. These Rats like change and travel and are eager to start new projects or to take trips to exotic places. Fire Rats are likely to change their occupations and residences more often than most, and essentially shun any kind of routine. They can be anxious and impulsive, but their zest for life is quite irresistible, and they have the Rat's ability to along so well with others. Compared to other Rats, Fire Rats are likely to be more charitable, autonomous, and energetic and the least self-controlled.

THE EARTH RAT 1948 AND 2008

The Earth adds solidity to the Rat's personality. An Earth Rat is conventional and a good achiever who likes to establish roots early in order to make a secure future for himself and his family. These Rats have the typical Rat ingenuity and mental capacity, but a strong sense of reality often alludes them preventing them from going after anything that could be impromptu. Earth Rats are honorable and love to be stabilized. Slowly and steadily acquiring wealth gives them a sense of inner peace. Although they are capable of being stingy with their finances, they do possess warm feelings for their family and friends.

Health and homeRAT HEALTH

The affect of the sign of the Rat is energetic, and demonstrates enough endurance to fight most any sickness. Yet, all Rats tend to be tense, full of nervous energy, petulant and prone to stress. Rats also harbor a bit of aggression; yet, they are usually able to control it. Yoga would benefit Rats by calming their aggressive natures and helping them manage stress.

AT HOME WITH THE RAT

Rats make good homemakers who are always willing to do household chores. Rats are not usually interested in keeping up with the times, and it doesn't matter to them whether or not their furnishings are in style. What does matter is that their home is a refuge expressing warmth, comfort and vogue. Light blue is their color of choice for home decor. Because this is a sign of acquisition, the Rat person's house is presumably bursting with various knick-knacks collected over the years. Most Rats are cheerful, domesticated individuals who find happiness at home with their family.

Career and financeTHE RAT ON THE JOB

The Chinese say others should always listen to the advice of the Rat. Because of their intellect and observatory powers, Rat people possess prudence and perception. They can anticipate problems, and are always able to see the big picture. They can hone in on issues at hand and make measurable judgments. These skills, combined with their sense of aspiration also make them clever operators. Status, money, title, and recognition are important to the Rat. They have keen senses of observation that allow them to foresee upcoming business opportunities as well as potential occupational problems. The Rat makes a better boss than an employee and, although motivated, they can be pinned down by routines. Rats work better in flexible situations where they can be freely creative.

MONEY AND THE RAT

Cunning and thrifty, Rats have a knack with money and are apt to save for rainy days. When capable, the Rat is a great money saver, and in strapped times he knows how to make something out of nothing or how to turn make things advantageous for himself. Although few Rats suffer financially, the Chinese have a proverb: They who pile up grain hoards have much to lose.

RAT CAREERS

Those born in the Year of the Rat also share the same kinds of goals and objectives in life. The occupations best suited for the Rat are listed below:

RATS MAKE EXCELLENT:

Writers, Broadcasters, Actors, Advisors, Counselors, Lawyers, Politicians, Designers, Engineers, Managers, Directors, Administrators, Entrepreneurs, Musicians, Stand-up Comedians, Researchers, Historians, Race Car Drivers

CONGENIAL BUSINESS PARTNERS

Whether Rats are compatible with their business partners depends on whether their signs are harmonious or antagonistic to those of their partners. Considering the congruity of their own characters and the characters of their business colleagues can also be very useful.

Rats Ruled By

Metal,

Benefit From

Earth Dragons,

Are Antagonistic to

Fire Sheep,

Rats Ruled By

Water,

Benefit From

Metal Rabbits,

Are Antagonistic to

Earth Horses,

Rats Ruled By

Wood,

Benefit From

Water Monkeys,

Are Antagonistic to

Metal Snakes,

Rats Ruled By

Fire,

Benefit From

Wood Oxen,

Are Antagonistic to

Water Rats,

Rats Ruled By

Earth,

Benefit From

Fire Pigs,

Are Antagonistic to

Wood Roosters,

Leisurely activities and pleasures

LIKES AND DISLIKES

Since Rats are born under the same Animal sign, they often share likes and dislikes. Following are similar likes and dislikes of the Rats personality:

Rats Like:

Color Preference: Light-Blue

Gems and Stones: Diamond, Amethyst, Garnet

Suitable Gifts: car accessories, art books, gym memberships, geographical maps

Hobbies and Pastimes: Interior design, playing basketball, crafts, painting

Rats' Dislike: Doing without things they want, strict time keeping, any routines, being at the end of the line

THE RAT VACATION

Travel delights the Rat personality and ignites his curiosity. Sunbathing is not the ideal way for a Rat to spend his vacation. Rats are adventurers. They want to explore, examine, visit and party during their time off. They want to try new foods, find new sights and experience the culture of the area they are visiting. And, of course, if they can come home with an exotic souvenir to add to their collection their vacation will have been an instant success.

FRIENDS AND ENEMIES

Generally friendly and sociable, the Rat is one of the extroverts of the Animal Zodiac. Often, the Rat is lively and genial, and has a special gift for easing the minds of others. It is not surprising that Rats have a lot of friends. They are great speakers and intriguing conversationalists, and can generally find something to say on just about any topic or subject. Of course, there is always that renowned Rat lure that allows them to charm the pants off of people! To the people they love, Rats can be amazingly charitable, popular and supportive, and will go out of their way to be certain their loved ones are content. On the other hand, if the Rat does not like someone, he is considered fair game and can be used to achieve any and all of the Rat's desires. At the end of the day, though, the Rat is a loyal friend and will be there for his companions through thick and thin.

Compatible Friends: Dragons and MonkeysMortal Enemy: Horses

RAT PARENTS AND CHILDREN

Rat parents are dedicated to their children. They encompass their little ones with love and attention and enjoy watching their offspring grow and experience the world. When their children are small they brood a great deal over them. Rats become concerned if their babies don't develop as quickly as other children. They anguish over whether or not they are raising their youngsters correctly. With the mental capacity to pick things up easily, Rats tend to get agitated with people who are not quite as quick-witted as they are. No wonder this trait could lead to conflict between Rat parents and their children should any of their children be late bloomers or harbor learning disabilities. Overall, Rats are indulgent parents who don't like denying their youngsters of things they want, and the children soon learn how to wrap their parents around their little fingers.

THE RAT INFANT AND CHILD

Rat babies love to be loved and cuddled. When they are young, Rat babies tend to depend tremendously on their parents, but later in life they develop natural leadership qualities. During their baby years, Rats mature slowly, but gain momentum as they become toddlers. Eventually, they begin to exhibit active mentalities, so, in the early years, plenty of sleep is necessary. In school, the young Rats are eager to learn. It is then, too, that Rats begin collecting things, and like to fill their bedrooms with pebbles, shells and keepsakes of every kind. Generally, young Rats are smart little people who are artistic and literary students. They are well-rounded and many of them do well in sports, too. Being born in the first sign of the Chinese horoscope motivates these children to be pioneers and gives them a need to be first in line.

RAT PARENT/CHILD KINSHIPS

Some parents click immediately with their children and others find they will never have a close relationship no matter how hard they try to make it happen. Following are the compatibility ratings between Rat parents and their children.

Lovers and partners

Rats are beautiful people with magnetic personalities. The Rat himself can't help but notice the admiration he receives from others. If the Chinese say there are few poor Rats, there are an even fewer number who are not sexually stimulating- especially as young people. Rat people are romantic, and are always happier to have someone to share with.

RAT ENRAPTURE

One of the Rat's greatest assets is his charm. Rats can melt hearts with their smiles. Add that to their coquettish personalities and you can easily see how they conquer the hearts of others. And, since Rats love to go out, they have plenty of chances to meet potential suitors or future partners. An annoying quirk of some Rats is they have a difficult time severing ties with former lovers. Obviously, this can pose potential conflicts for the Rat and his new lover and can even endanger his ability to develop new relationships. When the Rat finally settles down with Mr. or Ms. Right, he will find a sincere satisfaction in the intimacy of the partnership.

A RAT'S PARTNER

Although Rats like to be in the driver's seat, they do need partners who can keep up with their active lifestyles. Chinese horoscopes are very specific about which partnerships have the potential to be successful in love and in business. Yet, though destiny can point us in the right direction, we must still make efforts to maintain loving relationships. Following is a brief description of how a Rat will affect a relationship with other Animal signs.

PARTNERS IN LOVE

Rat*Rat

This is a prosperous partnership, especially in a business atmosphere. These two are bound to compete!

Rat*Ox

Very sexually enticing, yet likely to fail at marriage.

Rat*Tiger

Potential for great companionship, but you will have some major disputes.

Rat*Rabbit

Rats think Rabbits are boring. Rabbits love to be out and about. You will only frustrate each other.

Rat*Dragon

A solid, caring partnership. You value each other and get along very well.

Rat*Snake

Work on your differences and you could learn something form each other.

Rat*Horse

Don't even think about it.

Rat*Sheep

If you both try hard and make great efforts, you will survive.

Rat*Monkey

You share similar goals and will make a great match.

Rat*Rooster

It's just not worth it…there are too many conflicts.

Rat*Dog

Rats think Dogs are tiresome, but you have the potential to be a good match for each other.

Rat*Pig

Uphill, downhill, uphill…you love each other intensely, but keep an eye on your checkbooks!

EAST MEETS WEST

ARIES RAT

These are secure, bold, go-getting people who cannot pass on a challenge. Approachable and captivating, Aries Rats can also be short-tempered and touchy, especially with those who can't keep up.

LIBRAN RAT

Doubly affable, Libran Rats are smooth operators. These people are elegant and cultured. They are drawn to artistic pleasures such as music and theater. Pleasant to be around, Libran Rats excel in advertising and PR.

TAUREAN RAT

Taurean Rats are intimidating people. Their sharp minds never skip a beat and they don't lose sight of their goals. Conventional deep down, making money is their motivating factor.

SCORPIO RAT

Scorpio Rats are the strong, emotional types. Few would suspect quite sensitive these Rats are. They have an intense aura that allows them to channel their energies.

GEMINI RAT

Gemini Rats are blessed with the gift of the conversation. They are articulate and keen. Easily bored, Gemini Rats thrive on variety, and are happiest with their hands in many things. They do tend to take a long time to make decisions and once they so, to change their minds a few times.

SAGITTARIAN RAT

Sagittarian Rats sail through life and couple wisdom with perceptive. They can spot an opportunity a mile away, and are quick to act on it. Generally, these Rats are lucky but they have itchy feet.

CANCERIAN RAT

Cancerian Rats like to be individuals and to stand out. Material things are important to them, but what they value their family more than anything else.

CAPRICORN RAT

Industrial and tenacious, Capricorn Rats are profoundly enterprising and make substantial progress in their occupations. These people expect their dedication to be rewarded. They may not be that sentimental, but they are loyal and honest.

LEONINE RAT

The Leonine Rat is a mystical personality, dynamic and responsive. In addition to enthusiasm, high ethical standards and wise decision-making guarantee this Rat will be successful.

AQUARIAN RAT

A bit unorthodox, these Rats are impulsive and outgoing. They are community-minded and more selfless than other Rats. Aquarian Rats are determined to work hard in order to better mankind.

VIRGO RAT

With gifts for research and experimentation and an eye for detail, these Rats have the capability to make small assessments. The hard-working Virgo Rat will find fulfillment in any job where intense investigation is necessary. There is something naive about them that attracts quieter, frailer people as their partners.

PISCEAN RAT

This Rat is delicate and incisive, and does well as a consultant or a counselor. Piscean Rats are creative, but tend to lack the confidence necessary and thus feel a need to be part of a team.

To learn more about the other animals in the Chinese Horoscopes, click here!

Yours Sincerely

Sean Toh

Author of “ 4 Steps To financial Freedom “

Independent Financial Services Consultant With Alpha Financial Advisers Pte. Ltd.

Contact Us

Get The MIND EDGE & Tower Above The Rest!

2008-01-20T20:06:00.001+08:00

My Tea Break With Alan Yip, Founder Of MIND EDGE!

It all started when I received an SMS greeting from Alan Yip, Founder of MIND EDGE, on the very morning of the New Year 2008.

After wishing him and his family well for the New Year, I followed up with a "Thank You" card to send it off to his office address as shown below.

Mind Edge Pte Ltd
10 Eunos Road 8
Singapore Post Centre
#02-03/06
Singapore 408600

He invited me to meet up at his office when I'm available right away through the modern and usual mean of communicating using our mobile to SMS when he received my "Thank You" card. Hence, we sat a following Wednesday to meet up.

'SMS' again to tell Alan that I have arrived at MIND EDGE. After a firm handshake and an introduction of ourselves, Alan took the time and efforts to show me around in this office as well as his training school.

A very inviting and conducive environment in MIND EDGE Training School! This is what I felt as I entered the school as Alan led me inside to his offices for all the trainers and the classrooms for conducting the lessons. As an educator, I must definitely highlight the trainer to students ratio of 1: 10 in MIND EDGE is a very conducive number to create a conducive and proper learning processes.

The classrooms are filled with bright colours to invite kids or students to learn, the classrooms also have excellent infrastructures to support excellent activity-based learning processes.

MIND EDGE Pte Ltd is a unique institution specialising in memory and creativity training to empower individuals and organisations to reach their fullest potential and achieve success. Alan believes in tapping into the greatest power of the human mind and setting the free memory threshold. "It is in our faith that a memory capacity sets the stage of maximum learning for people of any age."

The pioneer and leader in memory, creativity and learning in Singapore, MIND EDGE has developed a series of effective courses for people of all ages, from children to seniors. Their courses, categorised under 4 main groups, offer students, adults, corporate personnel and retirees the perfect formulae to train their mind and boost their memory and mental abilities. With these dynamic programmes, students will become more effective learners, adults can perform better in their personal lives and soar in their careers, and senior citizens can enjoy their golden age with strengthened alertness and vigour.

MIND EDGE offers cutting-edge memory enhancement and learning programmes for:

Students –Primary,

Secondary & Tertiary.

Adults – for personal effectiveness and career success Organizations - Leaders, Managers, Professionals, Administrators, Trainers & Educators.

Alan then suggested to me that we have some coffee just outside MIND EDGE. As we were approaching the famous local franchise coffee joint, "Ya Kun KaYa Toast", I noticed all the people turning their heads towards our direction as they took some time off to notice our presence.

Alan is a very friendly and approachable person that people would just love to talk to. As he grew up in Hong Kong, his spoken accent describes quite a lot about his character and his upbringing.

A passionate educator, cutting-edge entrepreneur, and powerful speaker, Alan has over 20 years of diverse experiences as an entrepreneur, consultant, university counsellor, human resource manager, spokesperson, managing director, human rights commissioner (USA) and peak performance coach. He was also voted as Best MBA Class Speaker and elected as President of Indiana Personnel Association (USA).

We had a great meeting and conversation as we shared with each other our learning experiences and our possible ideas about future partnerships together.

Well, it was indeed a pleasant experience and an honor meeting up with Alan and having coffee with him. Thank you, Alan! I have learned quite a lots from you personally.

Yours Sincerely
Sean Toh
Author of “4 Steps To Financial Freedom”
Independent Financial Consultant
http://seantoh.mymangosteen.com/
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.com/

How To Become A Successful TOWKAY (Towkay - Entrepreneur in The Hokkien Lauguage In Singapore!)

2007-12-20T21:55:00.000+08:00

Dear Friends,

If you are thinking of offering your kids an education about entrepreneurship in fun-loving ways, grab a copy of the latest book written by Ah Chuan.

"TOWKAY HO SEH BOH?" is the latest book published by Rank Books to teach young people about Entrepreneurship. A straight-talking book written in English with a good dose of Singlish, Hokkien and Chinese.

Singapore is encouraging more young people to become entrepreneurs but to be an entrepreneur, one has to know the hard work and heartbreak to becoming a true entrepreneur. We always see the good realities of being our own "Boss" but how many us really see the difficulties entrepreneurs have to suffer before they achieve any successes!

This book actually provides young readers a realistic picture of what it means to be an entrepreneur and tells the basic values and mindsets an entrepreneur must cultivate to build a strong foundation to be a true successful entrepreneur.

A simple book to empower your kids about entrepreneurship in a fun and humorous way as they learn about the insights of real entrepreneurship.

Here are two short video clips about this book -
"TOWKAY HO SEH BOH?"

Yours Sincerely
Sean Toh

Are you too busy working with no time left to look after your health and fitness?

2007-12-07T20:38:00.000+08:00

Dear Professionals,

If the above sounds like you, then it’s high time to take a cold hard look at your current lifestyle. Health is something we should not be taken granted for, especially when you are working in a highly-stressed environment. Lifestyle conditions like high blood pressure, overweight, high blood cholesterol, if left unattended, can lead to serious chronic diseases.

The good news is, these conditions can actually be prevented and reversed though a proper exercise regimen and simple dietary program. The question is: are you doing it? You may cite ‘no time’ as the reason (should we say ‘excuse’?) but in reality, to get fit and stay healthy (with the exception of those very overweight) does not require more than 45 mins of 3 days a week of training nor eat a perfect diet. The key is to do it correctly.

Most workout routines take too long to complete. Fitness Tutor is a fitness consulting firm dedicated to help busy professionals get in shape in minimum time and without spending long hours working out in the gym. Their Body-Transformation-Programs and Health-Transformation-Programs are all based on their ‘Natural Kinetic Exercises’ and Eat-On-Demand’ Strategies. For nearly a decade, FT has helped hundreds of busy professionals (whom many are busy lawyers, medical specialists, accountants, consultants, CEOs and bankers) to transform their bodies and health.

Natural Kinetic Exercises (NKE) are based on the concept of synergism, where the whole is greater than the sum of parts. They are actually exercises done mainly with free weights (dumbbells and barbells), your own bodyweight, simple tools like sandbags and limit the use of machines. Reasons? Training on machines exclusively is a non-functional way of exercising and is actually bad for your body in the long run. This is because our muscles and joints are forced to move in a fixed predicted 2-D plane and is restricted in range of motion. But if you were to look at our body carefully, it is actually designed to move in a magnitude of planes and wide range-of-motions. So why exercise in a way that is neither natural nor functional? Exercising in the confined situation will make you strong in that particular movement but leave you weak in the other areas and leave you more susceptible to injuries when you do normal activities.

A good example of NKE is the pushup exercise. Can you recall the feelings you got when you did a few rounds of pushups - the burning sensations felt in the various muscles (chest, arms, shoulders and abdominal) and how the heart is racing and your catching for air? Pushups and many NKE call for more muscles involvement and are beneficial in many other ways. They burn more calories, work the stabilising muscles and connective tissues, flexibility, cardiovascular system and are fun to do. In a nutshell, NKE do much more in less time. If you have watched the movie ‘300’ and admire the physiques of the warriors, you would be surprised that they never used a typical gym machine to build their bodies and their exercises are similar to NKE. Through doing NKE, guys get rugged built and ladies achieve feminine bodies.

Eat-On-Demand (EOD) is a simple and a highly effective way of management weight through clever carbohydrates and nutrients manipulations, based on your daily activities and requirements. Many busy professionals eat a disproportionate of food daily. Yet some don’t eat much. Both are making a big mistake. The former will pile on weight rapidly because excess intake is not burned. The latter is not getting enough to fuel for even normal activities. Instead of trying to severely cutting down calories or trying to count them and measuring portion sizes, EOD teaches you how to easily select food types and their quantity to match the amount physical activities that are coming up on the day.

About the author

Paul is the founder of Fitness Tutor (http://www.fitness-tutor.com/) and owner of Transformation Studio at River Valley Rd. He has a Master’s Degree in Exercise and Nutrition Science and is the only Singaporean (amongst with 300 other world’s top trainers) to be awarded the Gold Certified Advanced Fitness Specialist, one of the most highly regarded fitness certifications in the world by the American Council On Exercise (ACE). He is also a lecturer for the Singapore Sports Council (SSC) Fitness Instructor Course. He writes for many consumer and industry publications and speaks frequently for companies. For enquires about his programs, please email him paul@fitness-tutor.com.

For a FREE special report written by him on "How To Get Maximum Weight Loss & Fitness Results In Minimum Time", send email with ‘report’ in the subject line to: training@fitness-tutor.com

Mangosteen, Xanthones, and Antioxidants

2007-11-27T01:37:00.001+08:00

The mangosteen is a fruit, technically known as Garcinia mangostana L., that is unique to tropical areas of Southeast Asia. Mangosteen is so prized by inhabitants of these countries that it is universally known as the "Queen of Fruits". The raw mangosteen is fragile and the United States forbids its importation due to the risk of harmful pests entering the country. One of the admirable qualities of the mangosteen is its beauty. It is about the size of a tangerine and is deep purple in color on the outside, with a bright white pulp in the inside. Because of its appearance and high xanthone content, the mangosteen is truly one of Mother Earth's natural wonders.

Xanthones are biologically active plant phenols that are packed with antioxidants and have proven medicinal properties. Because of its pharmaceutical properties, xanthones have been studied extensively for their medicinal potential. Mangosteen is the most plentiful source of antioxidants with over 30 xanthones. The mangosteen fruit provides many health benefits. Scientific research proves xanthones in mangosteen may reverse cholesterol and high blood pressure issues, and help as an anti-inflammatory, anti-histamine and anti-fungal, to name a few.

There is no other fruit on the planet that combines a distinctly delicious taste and overwhelming health benefits as that of the mangosteen. There is proven research on the health benefits of the mangosteen fruit, and the reports are very promising. A growing number of health practitioners are using the fruit in their clinical practice as first-line or adjunctive therapy to treat their patients. Mangosteen is available commercially in the form of juice, tea, or capsules and can be purchased in health stores and online.

For centuries, the Southeast Asia communities have known about the many health benefits of the mangosteen juice. The mangosteen fruit contains many antioxidant properties, which you probably already know, are very good for you. Over 50 independent studies to date substantiate its health benefits, and research is numerous and ongoing. There are numerous accounts all over the Internet of individuals who have experienced firsthand the benefits of the Queen of Fruits. The health benefits of mangosteen will undoubtedly be heralded for a long time to come.

Mangosteen is a natural health supplement food source that can provide the antioxidants lacking from a normal diet. And unlike artificial drugs, which have side effects that we hear more about in the news nearly every day, mangosteen is an all-natural product. The fruit is an absolutely superb treatment for any kind of pain or ailment. If you are looking for a natural way to boost your immune system, prevent future illness, and lead an overall healthier life, mangosteen may be just what you’re looking for.
Still don't know if mangosteen is right for you? Visit http://www.holisticmangosteen.com to learn more about xanthones and mangosteen health benefits.
Article Source: http://EzineArticles.com/?expert=Steve_Goltiao
Reprinted with permission, complying to the EzineArticles' Terms of Service for Publishers.

Inadequate Life Insurance Leaves Spouses With Less

2007-11-26T16:31:00.002+08:00

Hi Friends,

Before I start discussing about Life Insurance, I want you to click the "Play" button to watch this video on not planning Life Insurance for your family. Although the context is based on Americans but I see those scenarios are equally applicable to Singaporeans.

Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die?

It’s a subject no one really wants to think about. But if someone depends on you financially, it’s one you cannot avoid.

There are many types of life insurance, but for all of them the bottom line is the same: It pays cash to your loved ones after you die, replacing your income and allowing the financial plans you put in place to continue uninterrupted. Life insurance payments can be used to cover daily living expenses, mortgage payments, outstanding loans, your child tuition fees and other essential expenses. And, importantly, the death benefit proceeds of a life insurance policy are almost never subject to estate taxes depending on how you plan your estate.

If you’ve worked hard to establish a solid financial framework for your family—investments, home equity, a savings plan, retirement accounts—life insurance is the foundation upon which it all rests. It can guard against the need to make drastic changes to future plans if the unexpected occurs. Certain types of life insurance even have a built-in savings feature that can help you reach asset accumulation goals.

Most Singaporeans need life insurance, and many who already have it may need to update their coverage. This guide will help you sort through your options and show you how to find a plan that’s right for you and your family.

Common Excuses That Shouldn’t Stop You From Getting the Coverage You Need

1. “It’s Too Expensive.”

Not having any or enough life insurance coverage could be more costly to your family.

2. “I Haven’t Gotten Around to It.”

There are no guarantees in life, so don’t procrastinate.

3. “I Prefer to Put My Money Elsewhere.”

Might work if you’re sure you’re going to live a nice long life.

4. “I Worry About Making the Wrong Decision.”

A qualified insurance professional can answer all your questions and guide you through the buying process.

5. “The Coverage I Have Through My Employer Is Sufficient.”

Typically, employers provide a modest amount of coverage, and it can be costly to take with you when you leave.

Do You Care For Your Family?

If you care about your family, think about these scenarios that happen every night and in your family.

Tucking your child into bed, celebrating a birthday, creating a welcoming home. These are little things, but they're ways you show your love for your family. Each time you do something for them you're reminded how much they mean to you.

But what if something were to suddenly happen to you, and you were no longer able to do these things? Because of your love for them, you'd want to protect them the best you could, even if you were no longer there to take care of them yourself.

Having enough life insurance can help your family maintain the lifestyle you've created for them, providing them peace of mind. You'll have helped them live out their dreams, such as attending university for that special career.

Show them your love by making sure you have adequate insurance. Talk to a licensed financial services consultant to discuss your needs.

Yours Sincerely
Sean Toh
Author of “ 4 Steps To financial Freedom “

Contact Us

For more information on how we can assist you in developing your personalized wealth management solutions, please free free to submit your enquiries to seantoh@creditplushealth.org and we will contact you.

Taking The Fear Out Of Retirement

2007-11-25T13:57:00.001+08:00

Hi Friends,

Worried about being ready for retirement? You’re not alone. But many retirement-related fears can be overcome with some simple tips that I’m going to give you.

Getting started is probably the hardest part of a retirement plan. It's so easy to think your retirement is decades away so why not wait just a little longer to start planning for it. Procrastination could cause you to lose thousands of dollars. Procrastination could mean the difference between a comfortable retirement and one where you are barely getting by. If you're between the ages of 20 and 40, you're probably buying a house, a car, furniture, and thinking about your kid's education fund. However, the most common reply I get from most Singaporean is this. “I barely have enough money for my monthly expenses. How can I save for retirement?” As housing, health care, transportation and education costs continue to rise, so it’s no wonder that saving for retirement may have taken a back seat. But it doesn’t have to. You probably think you can't afford to save for your retirement at this time. You're wrong. Even a small amount invested wisely could be very beneficial in years to come.

Goal Setting

OK, you've decided to start planning for your retirement so where do you go from here? The first thing you must do is to list your retirement goals.Do you want to travel? Retire comfortably or enjoy a even better lifestyle than current one? Maybe you want to start a business that you have so much passion in that will empower others or contribute to the society in a meaning ways. Whatever your goals, you will need an income. You could quite possibly be retired for 30 or more years so you need a plan that will provide an income for several years. How much money will you actually need when you retire? You can use this CPF Calculator to find the answer to this question.

Budgeting

Next, if you already haven't done so, create a budget. If you don't have a clue about how much you spend from month to month, keep a journal of every cent and dollar you spend for three months. You'll see where your money is going and be able to better manage expenses. Your budget must include a payment to your retirement plan even if it's only a few dollars.

Family Members

Discuss your retirement plans with your family, especially your spouse. Chances are you'll both retire at about the same time so you need to be in agreement on this critical part of your life. If you both have a career, you will both be contributing to the retirement fund. Make your decisions together and try to develop a plan that will be acceptable to both of you.

Be focused

Even the best retirement plan could be in serious trouble if you allow yourself to dip into it for frivolous luxuries. If your budget doesn't seem to cover all your expenses, chances are you are confusing necessities with luxuries. Do you really need to upgrade your car or change new model for your mobile phone when it’s out in the market? Do you need to have an expensive holiday or that Louis Vuitton just because of the urge of satisfying your inner desire to have them? Little things eat away at your budget. You don't have to do without, just spend wisely.

Making Choices

Now that you have some money put aside, you need to think about investing so that your nest egg will grow. However, investing your money can present complex challenges to most people who are already so busy with their work and family commitments. Extraordinary care and effort are vital to preserve and enhance the financial success you want to achieve so that you have that nest egg waiting for you to enjoy. That’s when a financial services consultant can help you plan and make changes to your investment portfolio for your retirement when the changes are in response to actual changes in your personal situation rather than to an emotional reaction to swings in the market or a change in performance of a security that you hold when you are too busy to anticipate.

Consult your financial representative

Deciding where to invest is a lot easier with the help of an experienced professional. Get professional help when really do not know where to head. Remember, it’s better to save and have a plan than to enter your later years with empty pockets and no strategy!

Yours Sincerely
Sean Toh
Author of “ 4 Steps To financial Freedom “

The Truth About Bad Breath & What the Symptoms Mean

2007-11-24T19:48:00.000+08:00

The Truth About Bad Breath & What the Symptoms Mean.

Bad breath is caused by Anaerobic Sulfur Producing Bacteria which normally live WITHIN the surface of the tongue and in the throat. These bacteria are supposed to be there, because they assist humans in digestion by breaking down proteins found in specific foods, mucous or phlegm, blood, and in diseased or "broken-down" oral tissue. Under certain conditions, these bacteria start to break down proteins at a very high rate. Proteins are made up of Amino Acids. Two of the Amino Acids (Cysteine and Methionine) are dense with sulfur.

When these "beneficial" bacteria come into contact with these compounds, the odorous and "lousy-tasting" sulfur compounds are released from the back of the tongue and throat, as Hydrogen Sulfide, Methyl Mercaptan, and other odorous and bad tasting compounds. These "problem" compounds are often referred to as volatile sulfur compounds (VSC), where volatile means Vaporous and Effervescent, two adjectives which accurately describe their ability to offend other people instantly.

Because my original degree is in Bacteriology, let me explain a very important fact about these "bugs". They are not "bad guys" - they are not infectious. Everyone in the world has the same group of bacteria in their mouth. You cannot "catch" bad breath from someone else - even by kissing. Since they are part of our normal oral flora, you cannot permanently remove them from your mouth - not by tongue scraping, not by antibiotics, and not by rinses which claim to "lift the bacteria off your tongue". The only scientifically proven and clinically effective method of halting Halitosis is by attacking the bacteria's ability to produce VSC and by converting the VSC into non-odorous and non-tasting organic salts. (I should know, I've personally treated nearly 10,000 people at my California Breath Clinics and I've helped thousands more through my TheraBreath formulas. Take a look at a small fraction of testimonial letters to see What Doesn't Work!

Speaking about bacteria, there is one other fact that you must understand about these bacteria. They are classified as "Anaerobic" - which literally means "Without Oxygen". They thrive in an environment where Oxygen is NOT present. That is why they DO NOT LIVE ON THE SURFACE OF YOUR TONGUE! They live in between the papillae (fibers) that make up your tongue!

These sulfur compounds are actually by-products of anaerobic bacteria (Fusobacterium and Actinomyces, among others). Everyone needs these bacteria, because they assist the digestion process. But, unfortunately, for some, as yet undetermined reason these particular bacteria are found in higher numbers in those anguished by Bad Breath. (Various theories attribute this to hormonal changes, a history of medications, usually antibiotics or sulfa drugs-which create an imbalance of oral bacteria, or even Genetics-these disorders appear to run in some families.) We do know however, that it seems to be evenly split between men and women.

Conditions under which the problem becomes worse:

Dry MouthAlthough some cases of dry mouth are naturally occurring, most cases are caused by one of these factors; prescription medications (usually prescribed for high blood pressure or depression) antihistamines, and adult beverages, with alcohol in them. (see "Why Regular Products Don't Work")

When your mouth is dryer, you have less Saliva. Saliva naturally contains Oxygen, which keeps your mouth healthy and fresh. These bacteria are anaerobic, which simply means that they will thrive and make more sulfur in the presence of little or no oxygen. Thus if you have less Saliva, you have less oxygen, thereby creating an anaerobic environment, perfect for the bacteria to produce more of these odorous and sour/bitter compounds. For people with Dry Mouth, products such as Saliva Stimulation Tablets can help greatly.

Post-Nasal DripWe know that proteins contain amino acids, which in turn contain sulfur compounds (see text above). When a person has a post nasal drip, mucus drains and coats the back of the tongue and throat, exactly where bacteria live (see diagram above). Since mucus is made up of interlinked strands of protein, the bacteria have a field day, breaking down these proteins into odorous and sour tasting sulfur type compounds. Strong Antihistamines don't help, because the drying effect of the antihistamines also creates a problem. The only method of ending the odor and taste are to use Oxyd-VIII based oral products. Many of my patients with post nasal drip have claimed great success with use of the Nasal-Sinus Drops.

What About The Sinuses?After personally treating nearly 9,000 people worldwide, I have yet to see a patient get rid of his bad breath following sinus surgery. First of all, these anaerobic bacteria cannot live in the sinuses. When someone has a sinus infection, one of the common symptoms are intense sinus headaches, caused by the pressure from the infection in the sinus. If you don't have these powerful headaches, you probably don't have a sinus problem. The fact is that once someone has an elevated amount of these anaerobic bacteria, they will create the problem from any protein source, including mucous, phlegm, etc, which drain down the back of your throat into the area where these bacteria live.

High Protein FoodsThese bacteria love those proteins, and certain foods are packed with them:

Milk and Cheese and most other dairy products. (The fat content does not matter.) If you are lactose intolerant, do not eat or drink these products! Since your system cannot digest them properly, they are available to the bacteria for an extended period of time. A recent research article from the Los Angeles Times (November 1996) on lactose intolerance showed that nearly 67% of all Americans can be classified as "Lactose Intolerant". This is due to the fact that in a diverse population such as we have here, there is a predilection for Asians, Hispanics, and African-Americans to be lactose intolerant.

Fish are high in proteins. As many people eat a high fish diet, logically they make the problem worse.

Coffee with caffeine (and even without) contains high levels of acids which cause the bacteria to reproduce more rapidly and create a bitter taste for many people. (Virtually any acidic type of food will do this.)

Coffee drinking was one of the problems that my patients used to have. After starting my treatment, they have been able to go back to coffee drinking (in moderation of course) without any bitter tastes afterward.

What Works?Oxyd-VIII is the active ingredient in TheraBreath products. It prevents the anaerobic bacteria from creating the odorous sulfide and Mercaptan compounds by "adding oxygen" to the environment. The end result is the formation of a "Sulfate", which has no odor or taste. Most of my patients start out with a Starter Kit and work their way up from there if necessary.

By Dr. Harold Katz,

Founder of The California Breath Clinics

Networking Times - Building People, Communities and Nations!

2007-11-22T22:06:00.000+08:00

An Article by XanGo CEO Aaron Garrity

Dear Aspiring Entrepreneurs,

Today, the pursuit of wealth remains a driving ambition for many people, and it’s a big business. There are traveling seminars, online tutorials and training courses, all promising instant wealth. People around the world are paying top dollar to learn every imaginable secret to success.

Against this frantic backdrop, network marketing professionals remain focused on helping individuals build a business enterprise that is both sustaining and rewarding, the result of consistent, focused work.

Throughout my career, I have been privileged to help build solid business enterprises. In the pursuit of success, I have observed how some achieve their goals while others do not. Success is not given, but is earned through persistence, focus and diligence.

As we strive for success, life teaches us valuable lessons and when we learn these lessons we are able to contribute and help others reach greater successes. As we achieve wealth, we are able to help build individuals, communities and nations.

In the fifth year of phenomenal growth of a highly successful natural products company, I have been able to observe and learn from the great examples of the individuals that surround me. Working daily to change the lives of others in so many ways, they apply their wealth generously.

When founding our company, business partners Joe Morton, Gordon Morton, Kent Wood, Bryan Davis, Gary Hollister and I made a commitment to include charitable giving as part of our business model. Our beginning commitment was simple: to help those who were not in a position to help themselves. The simplicity of that commitment has resulted in hundreds of thousands of independent distributors standing by our side in this cause, and that number grows each day.

Since the day we first opened our doors, the founding partners, distributors and employees have understood the eternal principle that applies to all who use it: when you lift someone in need, you are somehow lifted in the process. Through several charitable initiatives, we have assisted children and families from Thailand to Mexico, from Africa to Canada and the United States and just about everywhere in between.

In what we have termed today as a goodness movement, our philanthropic culture has become infectious. Each founder, distributor, employee and business partner does his or her part in making the world a better place and strengthening the communities in which they live.

As a result of this movement, we have gained a wealth of compassion, wisdom, knowledge and faith. We have learned that any amount of wealth shared with those in need is matched and exceeded by a greater amount of gratitude, joy and understanding.

As we all forge a path of financial freedom, we also remember the invaluable lessons presented duringthe journey. We hope to find equal wealth in the relationships we have developed, the smiles we have sparked, the awareness we have heightened and the improvements we have encouraged.

Nov/Dec 2007

XanGo CEO Aaron Garrity

Suggestions On How To Avoid Overindulging In Food During The Festive Season!

2007-11-20T23:24:00.000+08:00

Here are suggestions on how to avoid overindulging in food!

Number one: Don't feel like you have to eat everything in front of you -- when you start to get full, stop.

If you're eating at a restaurant eat just an appetizer for your meal, as portion sizes usually are smaller than entrees.

If you order an entree try splitting the portion with someone else.

When you get your meal, immediately set aside half of it to take home and eat later.

People are constantly telling me how busy they are. They are also constantly asking me how they can't find the time to work exercise into their day.

My response is always the same. I always tell them that that nobody knows the details of their life as they do and nobody can find that time in their schedule for them.

Reality is that if you make healthy living your first priority, you will find the time.

My motto is: Live Wise with Exercise - Move It And Lose It!

Why not make today the day you find the time? Make it happen! You are worth the effort!!

Here are some simple fitness tips to implement!

1. Go for a short walk before breakfast, after dinner or both. Start with a 10-minute walk and work up to 30 minutes.

2. Walk or bike to the corner store.

3. When watching television, pedal a stationary bicycle.

4. Park on the outskirts of a shopping mall and walk to the stores. As busy as I am, I find a way to fit in exercise almost every day.

If you are currently not engaged in a regular exercise program, please do your mind, your body and your spirit a tremendous favor and find a way to make that happen.

There is NO substitution for exercise and it’s a must for healthy living, fitness and weight loss.

Have a Safe & Healthy Holiday Season!

By Lori Jones
http://www.ljgethealthy.com/
http://www.ljsolutionsnow.com/

XanGo's First Anniversary In Singapore - 14 Nov 2007

2007-11-17T23:36:00.000+08:00

An International Company That You Should Be In To Ride On It's Growth!

Dear Aspiring Entrepreneurs,

Let me share with you some of my secrets behind my wealth creation journey. Probably you have not heard of XanGo because XanGo's presence in Singapore has just been one year as XanGo celerbrated it's first year anniversary party on 14 Nov 2007 at Singapore XanGo's office.
Starting a business from scratch can be an enormous task that put most people away from starting their own business. Have you ever wonder why most people continue to be poor as they chose to work for Multi-National Corporations or in secure jobs that offers the recipe for little financial freedom if they don't plan their personal finances at all.

The rich becomes richer because they pick a business model that give them lots of leverage that help them build their wealth. Now, XanGo is the business model that you should start to examine and get into to reap the exponential returns that you will never able going to dream of.
An international brand with little start-up capital of less than $300 Singapore currency and you will have the support of professional office to meet your potential prospects with an international self-selling health supplement product that don't need you to hard-sell to your prospects. Your potential prospects can try out XanGo juice in the Singapore XanGo's office and the Singapore staffs will support you in your business facilitation process of signing up your prospects without you worrying about the problems of business administration.

Why start a business from scratch with little success and lots of time and efforts wasted, arriving with maybe no wealth to the end of your entrepreneur journey?

Join us now with Lori Jones & Sean Toh XanGo Team and start your XanGo's Business as we support you with all the business tools and duplication modeling for your financial success!

Lori Jones
Sean's Business Partner In XanGo Distribution
http://www.ljgethealthy.com/
http://www.ljsolutionsnow.com/

Yours Sincerely
Sean Toh
Author of “4 Steps To Financial Freedom”
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.com/

MANGOSTEEN FEATURED ON THE OPRAH WINFREY

2007-11-08T21:16:00.000+08:00

Now's a Great Time to Introduce XanGo to your WARM Market!

MANGOSTEEN FEATURED ON THE OPRAH WINFREY SHOW THIS PAST MONDAY NOVEMBER 5TH, 2007 Turns out that Dr. Mehmet Oz, a regularly on Oprah's show, aka "America's Doctor," revealed to the world that he is a big fan of mangosteen calling it an "ancient healing secret that has strong antioxidants to promote everything from sexuality to longevity."

What does this mean to you ? Not much unless you're out there spreading the word. Now is the time. Mangosteen is going mainstream! Several people have told me that they heard Oprah on TV yesterday with her Dr. Oz and that mangosteen was mentioned favorably. My brother in law called and now wants to use XanGo for his health because of Oprah's credibility! Funny since we've been telling him about it for 3 years now! -Heidi Cox

Now's a Great Time to Introduce XanGo to your WARM Market!

Yours Sincerely
Sean Toh
Author of “4 Steps To Financial Freedom”
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.com/

What Happens When 3 Extraordinary Teachers from "the Secret" Come Together to Teach the Science

2007-10-30T22:20:00.000+08:00

The Science of Getting Rich is a timeless classic written in 1910 by Wallace D. Wattles. It is a bold title for a book and suggests that getting rich is a predictable outcome if one can master the principles outlined in the book. Here is how Wallace D. Wattles puts it in his own words, "The ownership of money and property comes as a result of doing things in a certain way. Those who do things in this certain way, whether on purpose or accidentally, get rich. Those who do not do things in this certain way, no matter how hard they work or how able they are, remain poor. It is a natural law that like causes always produce like effects. Therefore, any man or woman who learns to do things in this certain way will infallibly get rich."

Certainly, this book is well referenced by many of the great teachers today and it is the same book that inspired Rhonda Byrne to produce that runaway success "the Secret". Here is what Rhonda Byrne said on her introductory note to the book, "I can honestly say that, since that first night when a tattered printed manuscript found its way to me (thanks to one of my daughters), my life has never been the same. Once you read it for yourself, you will understand why". Rhonda went on to produce the movie "the Secret" and the best-selling book of the same title which has sold millions of copies worldwide.

However, learning how to do things in that "certain way" as described by Wallace D. Wattles may be more challenging for some as the book was written nearly 100 years ago. Some of the language is a little dated and much of its wisdom lost from a modern day perspective.

Fortunately, a new training seminar for the Science of Getting Rich has brought the wisdom of this timeless classic back to life for modern readers. Called "the Science of Getting Rich", this program is the most comprehensive training system for mastering Wallace D. Wattles wealth creation philosophies and principles since its creation. It comprises written, audio and live seminar formats for learning, applying and mastering the Science of Getting Rich

A unique "twist" to the program is the fact that it has an in-built vehicle for creating substantial financial wealth through its affiliate program. This is truly a unique wealth eduction and wealth building program designed to empower any individual with the resources to get rich. It is a program whose time has come. The program would not be possible without the original text from Wallace D. Wattles, the skills of leading teachers of our time, the phenomenal success of "the Secret" and the Internet as a learning and distribution tool.

Click here to learn more about the Secret Science of Getting Rich and the details of the program.

Yours Sincerely
Sean Toh
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.com/

The Science of Getting Rich Teachers:

Bob Proctor

Bob Proctor is an author, lecturer, counselor, business consultant, entrepreneur, and teacher preaching the gospel of positive thinking, self-motivation and maximizing human potential. In that endeavor, he follows in the footsteps of such motivational giants as Napoleon Hill, Earl Nightingale and Wallace D. Wattles.

His extraordinary teaching ability has won Proctor acclaim around the globe and has carried the Canadian-born motivator to the far reaches of the earth. He is as well known in Australia and Malaysia as he is in Alberta and Mississippi.

Born in a little town in northern Ontario, Canada with the low self-esteem that often befalls a family's middle child, he performed poorly in school, dropped out and did a hitch in the navy. Afterward he drifted from one dead-end job to another until a friend introduced Bob to the concept of self-development through Napoleon Hill's classic Think and Grow Rich.

With the spark generated by Hill's words, Proctor found the initiative to start an office cleaning business which he grew to international scope in his first year of operation. From that experience - after seeing what he had been able to accomplish with just a rudimentary knowledge of personal motivation and goal-setting - he hungered for more information.

His quest took him to the Nightingale-Conant organization to study under his mentor, Earl Nightingale. Once on board, he rose swiftly through the ranks. Eventually, while the Nightingale-Conant organization assumed the forefront in wide-scale distribution of personal development programs, Bob felt the need to take his ideas and methods directly to the individual, to the one-on-one level which had proved so successful for himself.

In the mid 1970's, Proctor established his own seminar company and secured a contract to work with a few hundred agents of Prudential Life Insurance Co. of America in Chicago. During his first seminar Bob made the suggestion that any agent present could write $5 million in business that year if the agent made a decision to do so.

The fact that the seminar took place in July with the year half over and that no agent in that region had ever written so much business in the 100-year history of the company made Bob's suggestion appear to be outrageous. However, when the performance level of the entire division increased substantially with more than one agent actually accomplishing the deed, Bob's reputation as a motivator was established.

Over the ensuing years, Proctor has shared his special message and expertise with hundreds of business entities worldwide and, through a program of live seminars, with thousands of people of all ages in all walks of life.

Meanwhile, in addition to his international best-seller You Were Born Rich, he found time to author other works as well, including Mission in Commission, The Winner's Image, The Goal Achiever, The Success Series, The Success Puzzle, The Recruiting Puzzle, and Being Your Very Best.

Jack Canfield

Jack Canfield is an American motivational speaker, trainer and author. He is best known as the founder and co-creator of The New York Times No. 1 best-selling "Chicken Soup for the Soul" book series, which currently has over 65 titles and 80 million copies in print in over 37 languages. According to USA Today, Canfield and his writing partner, Mark Victor Hansen, were the top-selling authors in the United States in 1997.

With a BA from Harvard University, a Masters from University of Massachusetts, and an honorary doctorate from the University of Santa Monica, Canfield has been a high school and university teacher, a workshop facilitator, a psychotherapist, and for the past 30 years, a leading authority in the area of self-esteem and personal development.

Canfield is the founder of "Self Esteem Seminars" in Santa Barbara, and "The Foundation for Self Esteem" in Culver City, California. Self Esteem Seminars trains entrepreneurs, educators, corporate leaders and employees on how to accelerate the achievement of their personal and professional goals, while The Foundation for Self Esteem provides self-esteem resources and trainings to social workers, welfare recipients and human resource professionals. Canfield is also the President of Souperspeakers.com, a speaking resource service that provides inspirational speakers for event planners worldwide.

Canfield has traveled to over 21 countries, delivering hundreds of keynote speeches, workshops and trainings each year. As part of his presentation style, he always uses inspirational, motivational and uplifting stories to help his audiences discover, experience and retain key concepts and approaches. After each session, audiences everywhere had encouraged him to put his stories into a single book.

In 1990, while on an airplane home, he felt that it was time. He shared his idea with author Mark Victor Hansen during breakfast one day. Hansen liked the idea, and so began the Chicken Soup for the Soul phenomenon. But with their busy schedules, translating what worked on the podium onto the written page proved more challenging than either of them had anticipated. After three long years, the two had compiled just sixty-eight stories — a far cry from the 101 they believed was the magic number for a successful book. Nonetheless, their successful partnership has spawned many other titles that have made them enormously famous.

Canfield has appeared on numerous television shows, including Good Morning America, 20/20, Eye to Eye, CNN's Talk Back Live, PBS and the BBC. Today, he speaks shares his success strategies with companies and associations worldwide.

The most recent book Canfield has written was the 2005 publication of The Success Principles. In it Canfield shares 64 principles that he and other people have utilized to achieve great levels of success.

Click here to learn more about the Secret Science of Getting Rich and the details of the program.

2007 Olympia Weekend Mens Finals Double Down!

2007-10-28T08:59:00.000+08:00

The 2007 Mr. Olympia came down to the final round, as Victor Martinez pushed Jay Cutler to the limit before coming up a point short.

Cutler, who admitted he was a little off on Friday night, charged back at the Saturday finals, becoming a multi-Olympia winner on the same night when perhaps the sports greatest champion, Ronnie Coleman, made his final bow on the O stage, finishing fourth and getting two standing ovations from the sold out Orleans Arena crowd.

In third place was Dexter Jackson, the 2005 and 2006 Arnold Classic champ who earlier this year lost that title to Martinez. It was a validation for The Blade that he is still a force to be reckoned with, as he beat out Coleman, a hard-charging Dennis Wolf in fifth, and Marvelous Melvin Anthony in sixth.

Perhaps no one made a bigger stride in this contest than Wolf. The German was a huge crowd favorite, and showed every ounce of his future Mr. Olympia potential. The crowd booed at his placing (viewing it as too low), and he also won the Bodybuilding.com Fan's Choice award with 32% of the votes cast (Martinez was second at 27%).

For blow-by-blow coverage, check out the Flex forums under Gossip, where we posted prejudging commentary by Editor-in-Chief Peter McGough, Chris Cormier and Flex Staff Writer Allan Donnelly, as well as finals reports as the decisions went down.

2007 MR. OLYMPIA
Top 10
1) Jay Cutler
2) Victor Martinez
3) Dexter Jackson
4) Ronnie Coleman
5) Dennis Wolf
6) Melvin Anthony
7) Silvio Samuel
8) Gustavo Badell
9) Johnnie Jackson
10) David Henry

For More Picture Galleries of 2007 Mr. & Ms. Olympia. Click Here!

Yours Sincerely
Sean Toh
Author of “4 Steps To Financial Freedom”
http://www.creditplushealth.discovermangosteen.com/
http://seantoh.com/
http://creditplushealth.com/

Why Is XanGoTM The Fastest Growing Company In Home Based Business?

2007-07-22T15:10:00.000+08:00

Is XanGoTM The GoogleTM Of The Supplement World? The iPodTM Of The Wellness Revolution?

Many experts think so as XanGo™ has proven to be the fastest growing health and wellness product to ever hit the market, and is in the process of writing one of the greatest success stories in the history of business!

XanGo™ is the First Commercially Available Mangosteen Product, Ever. So Unique, it's Patented!

Manufactured by same company as Capri Sun™, Arizona Ice Tea™ & SOBE™
Nearly $500 million in sales in just the first 3 years with just one single product!
On track to reach $1 Billion by 2007, less than half the amount of time it took Microsoft!
The Xango Business Opportunity

With XanGo™, you have the Upside Potential of a True Ground Floor Opportunity, with none of the risk! Wild Flavors is World Famous as the Manufacturer of CAPRI SUN™, SOBE™, Arizona Ice Tea ™, and over 70% of all Healthy Beverages that line grocery store shelves. XanGo™ has joined with Wild to form a Strategic Global Alliance, creating the most exciting Home Based Business Opportunity in the World!

In just the first 6 months XanGo™ had already surpassed what it took SOBE™ - Wild's previous top selling product 3 years to do!

XanGo™ is Wild's most successful product launch in its 70 year history and is on track to become Wild's #1 product ever, ahead of global giants like Nestle™ and Kraft™ foods!

With Wild Flavors as XanGo's™ Manufacturing Partner, not since Aloe Vera 30 years ago has a Product exploded onto the Health & Wellness Scene with such Worldwide Appeal!

XanGo™ Is Prepared To Support Explosive Growth

XanGo™ has one of the most experienced management teams ever assembled to operate a network marketing enterprise. They have grown several large companies in the past, so they know what it takes to launch, brand and expand a revolutionary new product like XanGo™, into the marketplace. By using powerful systems, top quality support services and cutting edge technology, distributor checks and product are always delivered on time. They have the core processes and backup systems in place to accommodate rapid growth. Plus, with WILD Flavors as XanGo™'s Manufacturing Partner, XanGo™ has the muscle of a 70 year old, multi-billion dollar company by its side, to keep plenty of product moving around the world, as XanGo™ is continually opening up new and expanding markets.

XanGo™'s Explosive Growth Is Because Of It's Network Marketing System That Enable Distributors To Hit Exponential Sales!

Understand The Business Model!

Network marketing is a proven method of distributing products whereby companies, instead of paying advertisers and conventional distribution systems to promote their products, pay individual distributors, like you, commissions based on how much product your organization markets. Ultimately, network marketing is about a lot of people personally using an affordable amount of product each month and sharing the product and their success with others. It is a way to reward participants commensurate with their individual efforts and for the efforts of others in their network. It allows everyone to participate at their own level of desire and commitment. It allows distribution costs formerly paid to business distributors at various levels to be paid to individuals who assume the distribution function. Network marketing is a huge, multi-billion dollar per year industry and it is growing more in size and acceptance every year, as it truly gives average people an opportunity to generate above average income.

Why You Should Become A XanGo™ Distributor?

Enjoy the exquisite taste and powerful health benefits of mangosteen at the lowest possible wholesale prices, create the lifestyle you've always dreamed of, get in at the ground floor with the next Billion Dollar Giant in the network marketing industry, earn outrageous bonuses and free trips to Hawaii, Thailand and other exotic locations, build an international business from the comfort of your own home, be a part of the solution to helping people gain back their health and regain control of their lives with no inventory, no employees, no overhead, no selling and no boss! Plus, people just like you are making a fortune right now marketing XanGo™ with us, and creating tremendous momentum for everyone on board who is taking action and reaching for the top.

What Are The Costs Involved In Becoming A Distributor?

XanGo™ charges distributors a one-time sign-up fee of $35. Based on the plan selected at signup. Each case of XanGo™costs $100 USD and approximately $15-per-case for shipping and any taxes if applicable.

What Is Auto Delivery Program And How Does It Work?

The XanGo™ Auto Delivery Program (ADP) is a unique system wherein the company automatically sends case orders to its distributors one time each month. Auto Delivery is processed on or around the 14th of each month and are shipped between the 15th and the 17th of each month. Funds are processed prior to the cases being shipped.

Do I Have To Order Product Every Month?

In order to qualify and participate in XanGo™'s compensation plan, distributors should be on a monthly Auto Delivery Program to maximize commissions from XanGo™.

Am I Able To Personally Sponsor More Than Three People?

Yes. A unilevel compensation plan allows you to personally sponsor as many people as you desire. You may sponsor distributors as far down in your organization as you like. The XanGo™ compensation plan does not require your personally sponsored distributors to be on any particular level. You can sponsor as many as you like (giving you the initial 30% PowerStart bonus). However, in order to begin qualifying for larger commission checks, it is important to encourage your personally sponsored distributors to personally sponsor (signup) three distributors.

How does the compensation plan work?

How Much Money You Can Make From XanGo!

This is a unilevel compensation system paying down nine levels incorporating streamlined compression and no breakage. You can receive compensation weekly from sponsorship bonuses, monthly from unilevel or product volume, and quarterly from global bonus pool participation based on qualification.

What are PowerStart and Unilevel commissions?

With the PowerStart bonus, you can receive 30% of the initial order of your personally sponsored distributors and 15% of distributors they sign up. Your Unilevel commission check is sent out monthly on, or before, the 20th of each month. This check comprises the commission percentages from each level of your downline.

People Are Not Duplicable... But Tools And System Are!

Tens of thousands of people each month are Discovering Mangosteen not only for their Physical Health, but their Financial Health as well.Our system allows you to capitalize on the Massive Worldwide Growth that XanGo™ is now experiencing in 14 countries and has already proven to create Six and even Seven Figure Incomes in less than 24 months.

Ordinary people are achieving extraordinary incomes in record time through the combined power of duplication and leverage. Now it's your turn!

Low Start Up

No Overhead

No Inventory

No Employees

Proven System

Free Training

Unlimited Income

How Does Xango Work?

Rather than spending money on Television, Radio, Newspapars and the Internet, XanGo™ would rather pay you to share this product with others, throughWord-of-Mouth-Advertising.
Think about this for a moment...When you eat a great meal or see a great movie, have you ever received a check from a restaurant owner or a movie producer for recommending their products to others? Probably not.

However, with XanGo™, you will earn income every time you refer a new person to try some product.

As your XanGo™ network grows, so does your check! Finally, a way to get paid what you're worth. Best of all, you can build it part-time, around your schedule!

When you become a XanGo™ distributor, you will also be given the opportunity to purchase your very own DiscoverMangosteen.com Marketing System just like this one, 100% Customized with your information, so you can start sharing XanGo™ with others right away.

Yours Sincerely
Sean Toh
Discover Mangosteen
Credit Plus Health
Click Here Now to Become A Real Entrepreneur By Using A Low Cost! High Leverage System!

XanGo - The New Revolutionary Mangosteen Juice For Your Health!

2007-07-22T14:45:00.000+08:00

Introducing XanGo

While the scientific community has been studying the benefits of the Mangosteen for decades, no one has thought to bring these incredible benefits to the world in a potent, convenient form. Until now.

The Power of Our Whole Fruit Puree

Now there's XanGo, the first complete nutritional product of the Mangosteen fruit of Southeast Asia. XanGo is a whole fruit puree, utilizing the pericarp as well as the pulp of this extraordinary tropical fruit. XanGo delivers all the benefits of Alpha Mangostin and Gamma Mangostin, the xanthones (nature's super-antioxidant) that have proven to be so rich in life-enhancing qualities. XanGo represents the next generation of powerful phytonutrients that will change the landscape of health and nutrition forever.

In one singular dietary supplement, you get all of the miraculous benefits of xanthones, nature's super-antioxidant. The whole fruit puree of the prized mangosteen, XanGo™ Juice not only delivers these extraordinary benefits, but it delivers them in an indescribably delicious beverage.

Why Xango?

The brand name XanGo was created from two words: Xanthones and Mangosteen. And while this brand name represents the origin of the beverage, it will also come to represent much more to the people who enjoy it.

The first dietary supplement of its kind, with its distinctive, eye-catching logo, XanGo is readily identified as a true category creator. The XanGo brand will come to symbolize the best in scientific research and the most trustworthy in delivering nutritional benefits.

The XanGo Corporation realizes that the success of our brand will be built on a solid foundation: the energy and efforts of thousands of independent thinkers. Our pledge is to provide a powerful, premium product that will be a source of pride for our employees, distributors, and customers.

XanGo is a truly unique product with natural, universal appeal, and proven science to back it up.

XanGo harnesses the incredible nutritional power of the whole mangosteen fruit, then offers it in the form of an indescribably delicious beverage. It’s difficult to describe the flavor with accuracy. Some people detect a hint of strawberry, while others are reminded of kiwi, pomegranate, or grape. The complex flavor of this sweet, dry beverage, however, wins instant praise from all who try it. And an ounce or two in the morning is all you need to start your day invigorated, rejuvenated, and energized. As the first commercial product to feature the complete nutrition of the whole mangosteen fruit, XanGo™ is an indisputable category creator, unleashing a new superstar in the world of health supplements.

The Whole Fruit Puree of Prized Mangosteen
The Best Source Of Powerful Xanthones
Vital Antioxidants Support
Indescribably Delicious Flavor
No Added Sweeteners
No Artificial Colors
No Artificial Flavors

A Taste Sensation

And the best part is, XanGo is absolutely delicious! We're all familiar with tonics and potions derived from natural plants and herbs. Most have genuine beneficial properties, but the taste leaves so much to be desired. You won't find that with XanGo. The naturally sweet and tangy flavor of the Mangosteen is a taste sensation you have to experience to believe. XanGo has no artificial flavors, no artificial colors, and no added sweeteners. We don't need them!

There has never been a product like XanGo! In one singular drink, you get all of the miraculous benefits of xanthones: powerful antioxidant protection against free radical damage, support for cholesterol concerns, a natural energy enhancer, and more. And you get all this in a drink that you'll look forward to tasting! An ounce of nutrition never tasted so good.

Ingredients

Reconstituted garcinia mangostana juice from whole fruit, apple juice concentrate, pear juice concentrate, grape juice concentrate, pear puree, blueberry juice concentrate, raspberry juice concentrate, strawberry juice concentrate, cranberry juice concentrate, cherry juice concentrate, citric acid, natural flavor, pectin, xanthan gum, sodium benzoate, potassium sorbate.

One serving = 1 fl. oz. (30 ml)

Servings per container = 25

Calories = 10

Calories from fat = 0

Total Fat = 0 g

Sodium = 0 mg

Total Carbohydrate = 3 g

Sugars = 2 g

Protein = 0 g

Mangosteen The X-Factor

A look at the health benefits,science and xanthones of Garcinia Mangostana Do not settle for less than optimal health. Whatever you current state, it can be improved.nutrition + exercise + "x" = optimium healthWhat is Mangosteen?The scientific name for the mangosteen fruit is Garcinia Mangostana ant it belongs to the family Guttiferae. What is unique is that mangosteen has not been used in North America or Europe despite its popularity as a folk remedy in Asia and South America. The mangosteen possesses a unique class of phytoceuticals called "XANTHONES" Xanthones are molecules found in plants and are composed of stable carbon-structure molecules. Xanthones have been demonstrated to be effective in inhibiting inflammation as well as serve a potent antioxidants in combating free radical damage.

Mangosteen's versatility comes from its unique chemical makeup.

Over 200 xanthones exist in nature; approximately 40 have been identified in mangosteen. Each xanthone has the same molecular skeletons but unique chemical accessories know as sidechains that permit each xanthone to perform a specific biologic function. For example, alpha-mangostin serves as an antioxidant, gamma mangostin as an anti-inflammatory and Garcinone E as an anti-tumor agent.Mangosteen juice, made from a whole fruit is as safe to drink as orange or apple juice.In addition, laboratory evidence and centuries of folk use without incident confirm mangosteen's overall safety. No adverse effects were encountered with mangosteen, and so far no food-drug interactions have been noted. It is recommended that you always consult a doctor before using any food supplement and that you do not stop taking any medications you are taking. There will be time enough later to re-evaluate the use of any medication when it becomes apparent that mangosteen has replaced their effects.

Mangosteen as an Anti-inflammatory

Inflammation- wich consists of heat, swelling, redness and pain- is the body's normal, healthy reaction to almost every injury or invasion.However, inflammation can become chronic rather than shutting down when the problem has been dealt with.Even in young people, the body often overreacts to injuries with exessive pain and prolonged inflammation.This is the case in arthritis, headaches, and muscle pains. In such situation, inflammation itself becomes the problem.In chronic form, inflammation has now been casually linked to cancer, neurodegenerative diseases of the brain {such as alzheimer's, multiple sclerosis and parkinson's}, heart disease, stroke, diabetes, obesity, and inflammatory bowel disease {crones}.Medical science's answer to this problem are anti-inflammatory drugs such as aspirin, indomethacin, and dexamethasone.However, these drugs can cause severe side effects at times as severe as the origanal in-flammatory disorder.

Why take a drug when a plant or herb would do?

Mangosteen's xanthones have been demonstrated to possess potent anti-inflammatory properties in animal laboratory studies without the risk of other complications.The natives of Southeast Asia employed mangosteen to stop the pain of inflammation since it is one of the fruit's most obvious effects.They used the rind of the fruit to treat diarrhea and dysentery. Dysentery, as a disease process, is characterized by inflammation of the intestine, especially of the large bowel.Scientists now know that the xanthones from the mangosteen pericarp, mainly gamma-mangostin, inhibits prostaglandins.If there is no prostaglandins then the symptoms of inflammation disappear.

Mangosteen as an Antioxidant

Oxidation occurs when free radicals attack the body's cells, often damaging them irreparably. Free radicals invade the body through pollution, infection, poor eating habits, and even exercise.Oxidation is an essential component not only of all identified diseases {including cancer} but of aging itself. Antioxidants are needed to combat the insidious process of oxidation.The antioxidants thoery of aging postulates that the aging process is the result of cumulative "oxidative stress"{damage done by free radicals}.The effects of this damage is experienced in human beings as the aging process. Therefore, raising blood and tissue levels of antioxidants through mangosteen supplemantation is a valid means of intervening.There are reports that show we are exposed to lierally millions of free radicals each day. Second-hand smoke, pollution, and tainted food alone can speed up the aging process by years. We all need to supplemant our diets with extra antioxidants to combat these modern-day free radicals.Using xanthones from the mangosteen pericarp scientist discoverd that the xanthones from the mangosteen fruit are potent antioxidants and that xanthones inhinit oxidation of low density lipoprotein {LDL}.They further suggested that the xanthone gamma mangostin was found to be more powerful antioxidant than vitamin E.

Mangosteen as an Anti-bacterialA challenge facing the global medical community is that of bacterial resistance to antibiotics.Research in Thailand has shown that mangosteen's xanthones inhibits the reproduction of strains of bacteria.

Yours Sincerely

Sean Toh

Discover Mangosteen

Credit Plus Health

Press Release On " The Sunday Times - Me & My Money " column On 01 July 2007

2007-07-01T21:17:00.000+08:00

Hi Friends,

It's me again. Hope everyone is in great health to receive the latest news from us. Recently, on 01 July 2007, I was interview by Singapore Press Holding's financial correspondent, Lorna Tan, on how I manage my personal finance and secrets to investing. The interview was published on the weekly newspaper - "The Sunday Times." under the weekly column - " Me & My Money ", which share with readers some of habits of those financial professionals who have successes in their investment journey. Tips given by people who have been interviewed have been useful financial advices that readers could apply to help them in their management of their personal finances and in their own investing endeavors.

That's a new contribution that " 4 Steps To Financial Freedom " has been able to influence and impact those people out there who will benefit from reading the Popular's Best-Seller. Wish you all the best in your journey in controlling your financial destiny.

Yours Sincerely
Sean Toh

P.S. " 4 Steps To Financial Freedom" is also available at Amazon.com now!

@sk Sean Toh - What Are The Different Investment Vehicles For 8% Return With An Investment Time Horizon Of 15 Years?

2007-06-13T09:35:00.000+08:00

Question For Sean Toh? - What Are The Different Investment Vehicles For 8% Return With An Investment Time Horizon Of 15 Years?

Hi Sean,

I recently made some money from an enbloc sale and would like to see this money work extremely hard for me at about 8%pa in order to support my semi-retirement at age 45 next year. Please share with me what investment vehicles I should use? Many thanks.

From
Albert

Here Is The Answers Specially For Your Questions, Albert! Sincerely From Sean Toh.

Dear Albert,

First of all, let me take this opportunity to congratulate you on your win in the property market. My first advice that I will give you is to learn to preserve at least half of the capital first because you might have to wait for the next Enbloc sale to reap a chuck of profit if you invest in the next property or this kind of opportunity may never ever happen again.

From the question you asked and the facts you have given me, you have another 15 years to generate returns and I do not want to take the time after 60 years old as your investment horizon time because you simply have no time for the investment instruments to risk your nest egg.

Fact 1 : Time For Investment – 15 years.

Fact 2 : Investment return – 8%.

The next few questions that I would like to address are :

1. What is your investment risk appetite?

2. How knowledgeable are you in your financial education to understand and use the different types of investment instruments to generate returns?

If you have a high investment risk profile, having more stocks in your investment portfolio will generate more returns but you have to know how to pick the right stocks to reap good returns. Returns from stocks can be varying or no return at all, you could even lose money too! You could even lose sleep over your investment if you do not have a high investment risk profile.Normally, financial planners will access your risk profile before they advise you on any suitable investment. As an example of the portfolio of an aggressive investor, you can see that he is willing to invest in stocks that might have growth potentials. This is just for illustration purpose only!

For a moderately aggressive investor, his investment portfolio might be something like that. For illustration purpose only! You will realize that the financial planner will structure some bonds in his investment portfolio so that the risks are reduced with the introduction of the new investment instruments called the “Bonds”.

For conservative investor, his portfolio might look something like this. For illustration purpose only! His investment portfolio will consist more Fixed Income. Example of Fixed Income is your Fixed Deposit or Cash Fund Units Trust.

To generate a return of 8% , you need to have a strategy to meet your investment objective. There are many ways to meet 8% returns. An aggressive investor might use volatile stocks to generate 200% in one trade and lose 30-50 % in multiple trades and the overall end resultant returns is 8-9%. For 15 years, he will do just that to achieve 8% annual return. In this case, the investor is actively trading in the market. Other investors might use a slightly different strategy to generate 6% annually consistently using more conservative portfolio with less stocks in the portfolio and fall short of the objective by 2% after 15 years. That is still not so bad as he is more laid back with trading and investing but just letting the investment portfolio works for him. Others might be so good in trading that they use Forex Trading or Options Trading to get their returns and they achieve their investment objectives much sooner with higher returns. My advice is to understand the mechanism of the investment instruments first before you invest it all yourself.

If you don’t like the idea of investing yourself, I will advise you to get a qualified financial advisor to plan for you. Ask him or her to propose a structure investment portfolio for you for a 8% returns for a investment time horizon of 15 years. If you are quite happy with it, you can then stick with the plan. There is definitely no fixed plan or guaranteed plan!

My point of view is with the stock market reaching a ‘high’ now at a STI Index of 3400-3500. Unless, the fundamentals and economical indicators can support good investment sentiments, the potential for growth might be limited. As for bonds like Singapore Bond Fund, you can only get returns of 3-4%. For fixed income instruments, return is minimum at 1.5-2%. Sophisticated stock investors can make huge amount of returns by shorting the market or using ‘put’ warrant to leverage on their investment. Opportunities are plenty-full but that depends on how you look at it and also your ability to reap return based on your financial literacy, quotient and risk profile to take risks and an excellent entry and exit investment plan while investing.

You will realize that I do not take clients or advise you to which is the most suitable instruments to use. Even if I recommend a particular investment instrument, that investor could not reap returns based on their investment psychological make-up. My advice is to understand your investment instruments well so that you can then invest. It’s ok to put the money in the bank and do nothing with it until you equip yourself with sufficient financial education and you have tested your investment trading system to reap return, then you can invest with confident. At least, you have your money for retirement, as you are still semi-retire with a job providing income for your living expenses. For the months when you are not making that much money, you just have to cut back on some of your expenses. Maybe, you just have to take a slightly longer time to achieve the desired sum of money that you wish to accumulate.

Here is a list of investment instruments and possible returns

Stocks – Varying return, return can be huge.

Bonds – 3-4%Fixed Income – 1.5-2%

Units Trust – Varying, return can reach 15-20% if you know how to time your investment with strategies.

Gold – Need to understand the operating mechanism as I personally is not well-versed in it.

Reit – Unit Trust in Real Estate or properties (can be residential, commercial or shopping center buildings). Return possible 5-6% with dividends re-invested back for more investment.

Stock Warrants – Varying return, return cab be huge or lose every single cents of capital if warrants expire.

Entrepreneurship or start a business – Varying return but take lots of passion to create a successful business. Risk is very high if you have no business sense.

Albert, I could only give you a guide to the big picture. I hope I have provided you with a clearer picture before you decide on your next move. Always remember, you are in control and responsible for your investment decisions even if you ask a good financial planner to help you achieve your investment objectives. Never put all your eggs in one basket, only master investors like Warren Buffetts or George Soros know what they are doing. Assets allocation is the strategy to manage your investment risks. Search the internet or read up books on ‘Assets Allocation’ and ‘Modern Portfolio Theory’. Last but not least, wish you all the success in your investment endeavors. Before I end, Albert.

Here is a Forex Trading Workshop from Nicholas Tan if you are interested to know more. Click here to know more!

Although I have recommended and advise you on lots of matters, it takes more than education, resources and advice for you to be successful. You need to be patience and committed to your plan to achieve a bit of success. It’s that bit of success that will motivate you even more to learn and apply what you learned in life for your future success. Just in case, if you have been waiting the whole day for all the answers. I will like to apologize for the delay to your answers because I believe in giving my best advice to you personally and sincerely from my heart. I needed the time to understand the problems you faced, understanding them and finding the right resources for your education so that you have a higher success rate when you implement your plan.
Last but not least, may I wish you all the success implementing the plan and achieving some results that you can see for yourself. Do consult a proper financial planner or advisor if you are really in doubts. It's you that make the decision to decide if you want to be successful? Enjoy creating wealth with health. It’s has been my pleasure providing consultancy service to you, Albert!

Your Sincerely
Sean Toh

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!

P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Mastering The Art of Trading Forex Workshop In Singapore

2007-05-30T15:49:00.000+08:00

Hi Friends,

It's me again! It's has been a while since I last blogged on this blog. Well, I always believe that your financial education raises your financial quotient. The time you spend on your financial education will give you the means and mechanisms to use your money to leverage your earning power to create multiple streams of income.

If you are foreign to Forex trading, then here is a workshop conducted by Nicholas Tan, author of the newly published " Handbook On Forex Trading - An Easy Guide To Profitable Currency Trading ." You can learn how to trade in the world's biggest market with high leverage and low transaction costs now! Let Nicholas Tan be your personal mentor, guiding and empowering you with the means to Forex trading online!.

Click here to read the synopsis of " Handbook On Forex Trading - An Easy Guide To Profitable Currency Trading "

You can purchase this book from all major bookstores in Singapore like Popular, MPH, Times, Kinokuniya, Border, etc. or purchase it directly online from Rank Books Publishing House. Click here to get your copy now!

Forex trading is an alternative to the stock market as the market has enormous potential with a trading volume of USD 1.7 trillion a day. All you need is a computer and an internet connection and a basic knowledge of forex and you are ready to start trading in a highly profitable market. Nicholas has more than 13 years of trading experience. Using real trading examples and proven methods that work, Nicholas will equip you with the right knowledge and strategies to trade with confidence and profits.

What you will learn from Nicholas Tan during this two days workshop on 23 & 25 June 2007 at Orchard Tower in Singapore? Below is the course outline of the workshop.

These courses are very practical and the module details and time slots are as shown below.

Module 1: Sat, 23rd Jun 2007, 10.00 am - 1.00pm
Module 2: Sat, 23rd Jun 2007, 2.00 pm - 5.00 pm
Module 3 - Live Trading: Mon, 25th Jun 2007, 7.00 pm - 11.00 pm

Each module cost you $300 and if you sign up for all the three modules, it will cost you $800 and you will save $100. As there are limited seats available, please click here to register and find out more details.

Why wait? Having a personal mentor to learn from is one of the secret of how successful people get even richer which you have never known and has never been revealed to you at all in your entire life!

Get started on this fun, exciting adventure in forex trading today and be empowered by it!

Yours Sincerely

Sean Toh

P.S. Financial freedom is about building financial muscle. The difference between the rich and the poor is that the rich have more financial muscles than the poor!

Workshop on MASTERING THE ART OF TRADING FOREX is here in Singapore! Workshop dates: 23 & 25 June 2007. Sign up now!
Click Here For More Details!

Press Release On The Sunday Times On 20 May 2007

2007-05-26T12:32:00.000+08:00

Hi all,

It's me again. Hope everyone is in great health to recieve the latest news from us. Recently, on 20 May 2007, content from my book - "4 Steps To Financial Freedom " has been adpated by Singapore Press Holding's editor to be released on the weekly newspaper - "The Sunday Times." The content was published on the weekly column - " Two Cents' Worth ", which provides readers some simple financial advices that they could apply to help them in their management of their personal finances.

Yours Sincerely

Sean Toh

Successful Launch of "4 Steps To Financial Freedom" In Singapore

2007-04-28T18:46:00.000+08:00

Hi Friends,

It's my pleasure to announce the successful launch of " 4 Steps To Financial Freedom ". Within 3 weeks after it's launch, " 4 Steps To Financial Freedom " has sold out the first print and has become Popular Best-Seller in Singapore. The Second print is already out and distributed to all major bookstores like Kinokuniya, Popular, Times, MPH, Page One, etc.

Click here to see what Mr. President S.R. Nathan's comments about this book and a simple message for all Singaporeans!

May I take this opportunity to thank all readers for their support in making this book one of the popular read. Thank you for your support again as I'm writing part 2 of this book so that all readers have more enriching and educating learning materials for the coming future.

Sincere thanks to my wife, Heather, for being so understanding, and for having served as my source of inspiration and strength. To my daughters , Jessica (right) and Tranynce (left), thanks for making me smile, motivating me to be the real father that I can be, and helping me live my life to the fullest.

Special thanks to Dave Irvine(top right), Susan Parry(top left), Jacob (bottom right) & Natasha Irvive(second left) who came all the way from Holland and Australia to support the launch of " 4 Steps To Financial Freedom ". You have made this launch a very special, successful and indeed very meaningful one for all of us!

My very first supporter, Natasha Irvine from Holland, holding my autographed book in her hands. Thank you so much, Natasha! You have given me the inspiration to write a new series of financial books for young children in the near future.

My second supporter, Jacob Irvine from Holland, who can't wait to write his first book after reading "4 Steps To Financial Freedom". It's an honour and pleasure to be able to motivate and empower Jacob with this gift of mine. I really can't wait to co-author with him to develop a new series of financial books for young children so that young kids can learn to be more financially savvy and independent.

Just keep looking out for our near future new book launch! Good day! Mate!

Yours Sincerely
Sean Toh

Launch Of 4 Steps To Financial Freedom In Singapore

2007-02-25T15:46:00.000+08:00

Dear Friends,

2007 is the year of the pig and it's going to be an exciting year for all. Let me start by telling you something about the chinese zodiac about the Chivaslrous pig.

Pig personality traits

Intellectually curious, honest and tolerant, those born in the Year of the Pig can be relied upon for their loyalty and often make true friends for life.

Like the knights of old, Pigs are often highly regarded for their chilvary and pureness of heart, and will often sacrifice their own well-being for the greater good.

The Pig can be very naive, however, and may easily fall victim to the unscrupulous who take advantage of their idealistic nature - as Pigs see everyone as loyal and caring as they are. Although forced to play the fool many times, they will just as likely hold fast to the notion that everyone is at heart decent and admirable.

Stubbornly optimistic, the Pig will not tolerate those with well-meaning advice on how to be a Pig, but since they dislike quarreling and discord their anger usually cools quickly. Sometimes looked upon as a snob, the Pig just finds it right and natural to exhibit good manners whenever possible. Their main goal in life is in serving others, and no matter how difficult circumstances become the Pig will never waiver or retreat, forging ahead in the sure knowledge that all will be well.

Pig people love to read, are generally thirsty for knowledge, and not readily talkative, but if presented with an opportunity to discuss topics of interest with like-minded individuals Pigs may find themselves talking non-stop for hours!

People born in the Year of the Pig are trusted associates in whatever career they happen to choose and often shine as entertainers, social activists or politicians.

Pigs are most compatible with : Rabbit, Sheep

Famous people born in the Year of the Pig : Lucille Ball, Humphrey Bogart, Thomas Jefferson, Ernest Hemingway, Alfred Hitchcock, Mahalia Jackson, David Letterman, Arnold Schwarzenegger.

Now, you know more about the chivaslrous pig, I shall tell one good new that I have for you.

Since 2006, I have been working hard for the Singapore version of "Four Steps To Financial Freedom" so that it can be published in Singapore to benefit lots of people in Singapore who are losing control of their financial destiny. Although the version available on Clickbank is ideal for people in other parts of the world.

I have decided to simplified it to a version that is suitable for Singapore readers targetting especially people from the age group from 16-35 years old. Finally, after working through the endless nights and weekends collaborating with publishers in Singapore. Here it is, I'm ready to launch the Singapore version " 4 Steps To Financial Freedom".

It is now avaliable in all major bookstores (Borders, Times, Kinokuniya, MPH and Popular - all 35 points in Singapore) in Singapore at a price of $18.00 (Singapore Currency).

Well, don't forget to grab a copy today and be empowered by this new and latest financial guidebook that will help your family and you. Last but not least, may I wish all of you a happy chinese new year to you and a prosperous pig year ahead.

Yours Sincerely
Sean Toh

Sean Toh : Merry Christmas & A Happy New Year To All My Friends

2006-12-24T19:44:00.000+08:00

Hello Friends,

This is just a quick note to say thank you for your Christmas greetings and wish you and yours a very happy and healthy Christmas too.

I hope that over the holidays you are able to take time to think about and appreciate those for whom you work so hard throughout the year. You, your family, friends and the larger community are the REAL gifts in our lives. Their comfort, support and encouragement fuels our continuing desire to both succeed and share the gift in kind.

In that spirit, I thank you from the bottom of my heart for making me part of your extended circle. For that,I am truly blessed.

With your support homeless and hungry people are being housed, fed and cared for this year; and together we can make an even bigger difference in the world in 2007 and beyond.

From my home to yours... I wish you peace, harmony and all the joy of the holiday Season and all the best of success in the New Year.

Merry Christmas! Enjoy reading!

Yours Sincerely
Sean Toh

Sean's Effort For Spreading Wealth In Shanghai

2006-11-26T14:19:00.000+08:00

An Article In Shanghai Paper On 20 November 2006 : Empowering Students In Pei Ming Middle School On How To Raise Fund For Charity By Being A Young Entrepreneur.

True Wealth Is The Power To Give!

Dear Friends,

It’s a matter of time that most people will become a millionaire. If you have a realistic and achievable plan, you will succeed in becoming a millionaire. However, if you do not have a realistic and achievable plan, you will most probably fall short of being one, but that is still not so bad because you are still living your life.

Finally, you have arrived at your financial destiny with enough accumulated wealth. What do you do next? Are you going to enjoy all the wealth that you worked so hard to accumulate? Yes, you will if you have not been enjoying your wealth as you create your wealth. You will most probably pamper yourself in those things that you really want to have and enjoy them when you do not have them during the process of accumulating your wealth. Remember, what I said before? Learn to enjoy your wealth young as you create your wealth so that you do not have to enjoy all the wealth when you have accumulated the wealth.

I can tell you when you have so much wealth, you will not spend so much of it because you can’t spend all of it. Look at Bill Gates and Warren Buffett. They have accumulated so much wealth that they are giving back to the society for the benefits of mankind. In the beginning, you will be enjoying all your wealth on that worthless materialism and you will reach a point that you don’t find any more excitement and worthiness in pursuing materialistic enjoyment for yourself.
What I’m going to empower you from today is to start to learn to give to others something that you can give. It’s a privilege and an honor to be able to give others and empowering them to give to others too.

Learning to give will help you find your worth of existence in this world and will create a real you that will help fill that emptiness if you spend your wealth on those materialistic enjoyments. You want to be wealthy because you want to give the world something. Not because of your own personal consumption that you are not so generous to give. You want to be a generous millionaire that the world remembers and not a stingy rich man the world hates.

A Visit To Singapore Company' OSIM' in Shanghai, Headquarter For China, on 23 November 2006. OSIM Is A Global Brand For Healthy Lifestyles Product Founded By Mr. Ron Sim From Singapore . Students From Henderson Secondary School Get To Learn About The Vision Of Singapore Entrepreneur, Mr. Ron Sim, How His Vision Drive Him To Become A Global Brand Capturing Markets All Over The World.

Mr Ron Sim Chye HockFounder,Chairman and Chief Executive Officer

He is the driving force behind the company. Since its inception, he has remained at the helm of things. The company's strategy, its goals and directions are redefined by no other than the man himself, and leading by example he continues to inspire his people as the company embarks on to more challenging paths.He has been given recognition by some prestigious institutions. Among them, the Wisconsin International University conferred him Doctor of Philosophy in Business Administration in 2001 and the American University of Hawaii awarded him Doctor of Philosophy in Marketing Management in 2002. He was voted Ernst & Young Entrepreneur of the Year 2003 and in the same year won The Business Times "Businessman of the Year". He is a board member of Sentosa Development Corporation and IE Singapore.

Secret No. 1 – Learning To Give Because You Can’t Spend All Your Wealth.

“Four Steps To Financial Freedom” is a philosophy that I have created to help all of you arrive at your financial destiny without worrying about not having enough money for yourself so that you have suddenly become a stingy rich man that you are not generous to give something back to mankind. Empower yourself with these four steps and you will have control of your mindset and your financial destiny that you will know what you can give when the situations arrive. You will not be able to spend all that wealth on yourself. Hence, you will start by learning to give others a little from today.

Secret No. 2 – Learning To Give Because You Have A Good Heart.

I believe all humans are born naturally to be good. Imagine if we are educated enough to empower ourselves with this philosophy, ”Four Steps To Financial Freedom”, the world will be filled with rich, powerful and good hearted people who give back to mankind to make this place a better place for everyone. You have a good heart and you want to empower your next generations to have good hearts too. Start giving today.

Secret No. 3 – Learning To Give Because You Have Been Receiving From Others And It’s Your Way Of Saying Thank You.

From the first day, you are born, you have taken something from this world. You have gone through so many years of receiving help, education, money, and much more from your parents, relatives, friends and the world that help you develop to who you are today. It’s time you take the roles of giving others what you have been receiving from those in your life. Help others and empower them with this gift of yours that you can share with them that which will help them arrive at their financial destiny just like you. Arriving at your financial destiny together not just you alone. Start to say thank you to all the people around you from today.

Secret No. 4 – Learning To Give Away Your Wealth Will Define You Not Your Wealth That Defines You.

When you learn to give, you will feel powerful within you. When you feel powerful within you, you feel so good and rich. It’s this feeling of being powerful and generous that makes you feel wealthy. Not how much money that defines how wealthy you are. Those people around you that declared you the wealthiest man on earth remember your actions and not your money. You can be the wealthiest man on earth remembered by the people without even reaching a million in your net worth. Start defining yourself through those generous actions.

Secret No. 5 – Learning To Give Makes You Happy.

Being able to give is an honor that makes you so fortunate and generous that your actions reinforce that happiness within you and you find life so meaningful for being wealthy. You are rich and happy and they are rich and happy like you too, and that gives all of us the reasons for creating wealth in the first place. Happiness is something that all of us have been asking for. Let those with wealth create it for us too.

Presenting Cathie Ho From Singapore, OSIM's Assistant General Manager For China, A Souvenir As A Token For Appreciation For Sharing With The Students From Henderson Secondary School About The Company Vision, Long Term Plans And How Students Can Capitalize On Their Own Assets By Acquiring Skills That Will Help Them Overcome Future Challenges. Cathie Ho Is An Ex-Student Of Henderson Secondary School.

5 Secrets For Learning To Give

Secret No. 1 – Learning To Give Because You Can’t Spend All Your Wealth.

Secret No. 2 – Learning To Give Because You Have A Good Heart.

Secret No. 3 – Learning To Give Because You Have Been Receiving From Others And It’s Your Way Of Saying Thank You.

Secret No. 4 – Learning To Give Away Your Wealth Will Define You Not Your Wealth That Defines You.

Secret No. 5 – Learning To Give Makes You Happy.

Picture 1 : Collaborating With Educators ( Teachers & Principals From Shanghai &Shan Dong) At Pei Ming Middle School.

Picture 2 : Collaborating With Educators ( Teachers & Principals From Shangha) At Xiang Ming Junior High School.

Some Of The Pictures Captured In The City Of Shanghai During My Trip To Empower Youth In Shanghai On Wealth Creation As Well As For Charity. Remember My Third Step Of My Philosophy - Investing Your Time In Your Financial & Health Education So That You Are In Control Of Your Life To Create Wealth To Enjoy A Better Life.

Your Sincerely

Sean Toh

Click here to Tell Your Friends Now!
P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!