Sunday, 24 July 2016


Very happy day everyone. 

Please permit me to express my heartfelt thanks to my former secondary classmate, Ir. Teoh Teik Leong for giving me his brilliant idea of publishing article that creates a golden opportunity to reach out to some personnel from Bursa, Mira and few hundreds of  Publicly listed companies key personnel. His idea resulted in one of my articles was selected to be published in their limited copies investment supplements to be distributed during their IR. Award 2016.

Here I also write to express our gratitude to M.I.R.A for inviting me to attend their function as an invited guest at Sime Darby Convention Central on this July 21, 2016. 

In this connection, I too want to thank Miss May Tan in particular for proposing my articles to be included with other writers in this book. 

I must thank all these people who have touched my life and help me to materialize my dream of paying back to the society I am benefiting from all these while. Thank you.

You guys are really awesome and see what such a wonderful gift you have given me. 

Please stay tuned and more exciting news ahead.

Monday, 18 July 2016


                                                       WEALTH DRAGON

 John Lee is the CEO and co-founder of Wealth Dragons
John Lee is the CEO and co-founder of Wealth Dragons which teaches people how to increase their asset-

Sunday, 3 July 2016



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

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


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


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

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

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


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

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


Managing by results is mechanistic. Management for results and by the right process is a better choice. Managing by results only focuses on the returns of our investment. No specific primary attention is given to the means of achieving the ultimate goals. Value investing is more inclined to the process of investing, which forms the key to success.
To hit the bull’s eye, you must align the sights of your gun with the target. The sights are the means by you hit the target. You must focus on the sights and accept the relative haziness of the target. Rewire your mind to focus on the results you want to achieve, or focus on the process of buying stocks which are in line with your direction toward your goals. Quality decisions are the way that leads to achieving your ultimate goals, provided they are effectively implemented.


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


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

Sunday, 26 June 2016


Pro-active Recognize Opportunity Through Creative Thinking Skills


To thrive in an uncertain, complex and volatile world, pro-active recognition opportunities through creative thinking lens is a must. The good news is that this skill is learnable and trainable. This workshop should assist the participants enhance their efforts to systematically find sustainable solutions and learn new ways to recognize new opportunities. Hence, its main intention is to cultivate systematic and scientific thinking to expand the individual’s current knowledge threshold through a series of games and activities. By honing this skill, the individual will be able to internalize with little or no thinking.


By the end of this program, participants will be able to:
1.     Pro-actively recognize opportunities with new lenses of enhancing value from the customer’s perspective in line with the company’s business objectives
2.     Readjust their radar for new opportunity, if necessary.
3.     See the invisible link of the mindset with behavior and culture
4.     Identify key ingredients involved in “creative” thinking cycle
5.     Understand blind spots and mental blocks that inhibit creative thinking
6.     Practice creative thinking through a series of exercises, activities and games
7.     Internalize with creative thinking skill
8.     Use Target Condition to overcome challenges that can expand their individual knowledge threshold
9.     Recognize the importance of using creative thinking for further improvement
10.  Use creative visualization to overcome challenges
11.  Prioritize the core challenges that prevent you to reach your next target condition
12.  Use 5 Whys to iron out the roots cause of the issues
13.  Use matrix to shape their behaviour
14.  Use Value Stream to solve the roots collectively
15.  Define the real cause that is closely associated with value arising from both the internal and external changes

Day I
Thinking & Innovation
Thinking is a skill
How to cultivate thinking and Innovation?
What are the tools and techniques we can use to develop thinking skill?
Exercise of Spotting Opportunities
Recognise opportunities through 5Rs

What are 5Rs?
How those 5Rs being employed through Innovation Implementation?

Causes and Consequences
Seeing the invisible
People, Process and Performance
Outcome and Process
Define Opportunity
Value Stream Mapping
Metric shape behaviour

Expand Your Current Knowledge Threshold

Use Moving Target as Direction
Metric measurements
Identify Core Challenges?
List down what are the likely possibilities
How to reach to the next level

Thinking, Action & Habit
Understanding deeply about the relationship between the above
Mind our business
Conscious Competencies to Unconscious Competencies
Learn and Grow


Mental blocks that prevent Creative thinking

What is creativity
Detailed discussion of those blocks
Blind spots
Past Experiences

Sum up / Q & A / Discussion

Mindset and Attitudes

The following issues will be covered:-
      a.   Problem Solving Skills
      b.   Empty your mind
c.              Pursuit of perfection
d.              Culture of empowerment
e.              Conscious to unconscious competencies
f.                Innovative, multi- dimensional perspectives
g.              Creative Visualization technique


Embrace Change
Repetition is the key to mastery
Mastery, Departure and Breakthrough

Sum Up/ Q & A
Key take-back messages


Sunday, 19 June 2016



This is what most of us want but it is so loosely used and many times the real true meaning becomes confusing, unclear and misleading to certain extent. People are constantly finding quick and easy ways to attain it without being able to sustain it. That’s may be the reason why many people enter into rat race. How many of you agree with my humble view? Worst still, its meaning becomes subjective and everyone is trying to give its meaning at their individual’s convenience.  Consequently, it seems impossible to accurately measure the level of success. This issue forms our central discussion of this article?

To measure our progress/of success accurately, first we need to ascertain where is our starting point? It is also the best practice to begin with the end in our mind. Then use our vision and strategy as our means to reach our ultimate end. In this instance, our ultimate end, in the long run, is vague due to our BIG DREAM to achieve perfection  may sometimes seem impossible to achieve.

However, its main function is to serve as an inspiration to help us move forward. What is clear and important is for us to attain or accomplish our immediate target. To move to the next level of success, we need to overcome our immediate obstacles along the journey. These obstacles arise mainly due to our current knowledge threshold and unknown factors surrounding us.

Consequently, we have no choice but to carry out initiatives that can accurately ascertain what are the unknown, based on our testing and not based on our assumptions gathered through our past experiences or bondages. To remove these biases, we need to truly know who we are and effectively solve our immediate obstacles that prevent us from going to our next target condition. In other words, we need to discover what the real issues that we are currently facing before we can overcome them effectively even if it is from our own blind spots. Otherwise, it will haunt us again and again until the real issue is solved.

By now, trust you are able to see the issue of purely relying on our underlying assumptions which may not be true in the new situation. In the nutshell, it is difficult to see our own blind spot. The only way is to carry out experiments to determine the scientific outcome we want before we can then truly reach our next level of success.

By then, the next plan need to be drawn and our next obstacles which are likely to be different from what we initially encountered. Through experiment again we test our assumptions and gather feedback, check and study them again. Finally, we will then decide to adjust or adapt to the new situation. The similar process will be used continuously to improve until perfection is achieved.

For illustration purpose, I use my 3Bs’ business model which I began with Blog at my late 40s. That formed my tangible product to carry out my experiment based on my hypothesis that I can produce what the market’s needs and requirements at that material time.


I have successfully overcome the numerous challenges and managed to get my blog alive and spread it widely to reach my audiences all over the globe. I then move to my next target condition to publish my Book after I successfully overcome many different and new obstacles. Fortunately, my faith and passion truly pull me over all the obstacles to get my first eBook, Better Than The Best, out few years ago. My subsequent books were produced with greater ease as I have expanded my knowledge threshold. The ability is built by doing or practicing it frequently. That’s the way I build my second habit. Previously I always focus on mastering on numbers which help me to understand its story beyond the numbers as I was in the corporate world for nearly 30 years. Now, I stay focus on mastering words and combining my strength of using both numbers and words to make my life more enlightening.


In order for me to reach out to a wider audience, I need to overcome new obstacles of getting more publishers in different segments to publish my articles regularly and establish myself in my new and upcoming trade. To keep my inspiration high at all material times, I need to constantly shift my mind to view things at its appropriate perspective to keep me moving forward. In this manner, I do not have to bother much how people look at me. To me, it is far more important for me to see how far I have reached and what I need to do in order for me to head closer to my vision. That is to be who I want to be. I used reflection practice to measure my real improvement by connecting the missing dots backwards. I will then fulfill the true outcome and my achievement in term of numbers of my published books, articles, training programs and networking I had built over these years.


I trust you are able to see direction is far more important than determination and dedication. We need direction to guide us to moves towards our intended goal. I then realized that I need to expand my current knowledge horizon to cater for next level of height before I can overcome my next bigger challenges. This is the way to acquire a growth mindset, which is the greatest assets within us. This growth mindset enables us to strengthen our health and wealth. However, every successful person needs to pay a price, in term of sacrifices, hard works and perhaps pains and endurance. By adopting the appropriate mindset, we can truly enjoy every moment at each and every stage as it gives you different sensation which is far beyond words.

It is worth for you to walk through the journey yourself to taste this self-fulfillment and satisfaction. To master any skill, we need to basically put it into practice regularly until it becomes part of us and becomes habitual. Knowing is not sufficient, you need to do it. By doing it regularly and you will condition your brain to automatically trigger with no or little thinking.  

In short, I have discovered my new profound formula which can truly measure your success with scientific way and can be even sustained with certainty, as follow:-

S    =   A x I x D

Where as

S =Success
A = Ability
I = Inspiration
D = Direction

Friday, 10 June 2016



This program is designed to impart basic knowledge to line managers about some common management financial reports to enable them to carry out simple analyses so that they can identify the health of operations and trigger their concerns for making improvement in their own areas of responsibilities.


By the end of this program, participants will be able to:

1.     Understand the various financial implications that are pertinent to management control and be able to measure effectiveness of operations
2.     Differentiate between the usefulness of financial accounting and management accounting reports
3.     Analyze the financial ratios to identify the company’s financial strength and weakness so that they can create appropriate strategic plans to achieve Company’s vision;
4.     Carry out simple analyses measuring returns using ROI, opportunity cost, stock management and inventories control ratios through both financial & non-financial KPIs
5.     Make use of the 9 pointers to have quick overall brief of the company

Key Topics:

1.     Essential financial management terminology, information and tools
2.     The importance and limitations of using numbers to predict, plan and control
3.     Essential Financial Statements (Balance sheet, P&L account, Management accounts, Cash flow Plan, Operating Budget Plan etc) and integrated with company strategy and vision;
4.     The relationships, usefulness and limitations of each component of Financial Statements with real-world class cases & what to look for.
5.     Gain financial discernment and confidence to positively impact on bottom line
6.     Understanding the Big Picture of doing Business and enhancing business acumen in management
7.     Looking beyond numbers for completeness and holistic management approach.
8.     9 Pointers of Financial Analysis; Qualitative, Qualitative and External Aspects
9.     How to achieve Progress, Profitability and Prosperity in today’s rapidly changing world.
10.  Main Types of Non-financial Ratios ( understanding rejection rate, waste ratio, complaint ratio, warranty ratios and delivery on schedule ratio ) to use to analyze the underlying causes and benchmark 
11.  Understanding the difference between core competencies and capability
12.  Understanding, analyzing and using Financial Ratios in management
13.  Cash Conversion Cycle, Free Cash Flow
14.  Work more effectively with their organizations’ financial personnel
15.  How to response to the rapid changes to External Factors (Market Driven) to stay ahead

Day 1:

I. From Vision to Financial Success
  • From Vision to Financial Plan
  • What is Finance management
  • Build, Measure and Learn
  • Value creation, eliminating waste & creating flow
  • What are the 5Rs

II. Fundamental Accounting Concepts Explained
  • Back to Basics
  • What is financial accounting all about
  • Essential Financial management terminologies and tool
  • Real time quantitative insight to the performance of business processes
  • Enable the management to make corrective action and be in control of the processes

III. How to read, analyze and interpret the Financial Statements
  • What are the major components of the financial statements
  • The relationships, usefulness and limitations of each components
  • Real world class cases
  • What to look for
  • Story beyond numbers
  • Major Financial & Non-Financial Ratios

Day 2:

IV. Holistic Approach
  • The 6Ps
  • Vision & Strategies
  • Looking beyond numbers for completeness and holistic approach
  • Unleashing team potential
  • Cause and consequences
  • Growing your leadership and lean practices  
  • Aligning with Your Business Objectives

V. Qualitative Aspects
  • Integrity
  • Culture of empowerment
  • Core competencies vs capabilities
  • Energy
  • Intelligence
  • Multi-dimensional perspectives

VI. Big Picture
  • Alignment the required behaviors with your business objectives
  • Business acumen
  • Sustainable Shareholders’ value
  • Role in big picture
  • Pursuit of perfection

VII. Other key Considerations
  • What is C.C.C
  • What is FCF
  • Transformation Plans
  • Business mindset
  • Adaptability
  • Opportunities
  • Key Drivers
  • Priorities