Ryan Ho's Entrepreneurship Blog

There are many opportunities all over the world in different forms and disguise, we just have to find the right one and capitalize on it.

From business, investment  to even relationship, volunteering work and learning, there are so many opportunities, we all just need to analyze which one is suitable for ourselves and grab hold of it before anybody takes it away from us.

In investment, there are opportunities happening daily in the stocks, forex trading, options, electronic trading funds (ETFs), bonds and many other financial products to invest in, but to find the right opportunity best suited for ourselves requires more than just a basic understanding of how it works.

There are a couple of points in helping to determine if it is right for us based on our resources and information.

First: How much investment capital do we have? The amount of capital determines the amount of returns we’ll be getting.

Second: If we understand what product the investment is all about, the implications, highest and lowest point of value based on historical data and the trading patten, with who are the investors and speculators. Knowing how big the market is, as well as how many competitors there are, if there is high demand, low supply or vice versa, all of which makes a lot of difference in determine the right time to cash in on the investment and when to exit to maximize returns without even incurring any loss in best case scenario.

Third: Knowing, understanding of the market, the related products tied up if not may pose as a contributing factor in supporting the value of the opportunity that reflects the buy-in price of the investment. When the returns on investments meets up to expectations, having knowledge helps in determine the next higher level of playing field that investors must upgrade to, so as to make with less competitors, but those with deeper pockets, ensuring each investor gets a slightly bigger slice of the pie. Capitalize on the news, predicting the potential changes and reactions to the market and adjust the investment portfolio accordingly.

Fourth: Self-reflection is important to determine is we have the expert knowledge to invest or do we outsource it to a professional investor and not a professional employee that are parked in the stationed in property and insurance companies.

The successful investors always buy and earn their way into getting the right connections to maximize their profits by buying the same investments that the experts are eying on.

The poor investors and speculators only listen and trust their funds to professional employees without professional investment strategies nor experience, nor is it their interest in helping clients get rich, rather they are paid for servicing companies’ clients, so they don’t really care if clients profit or loss as they get something like a small percentage service charge on the funds invested with the company.

Fifth: Timing – There is a saying “It is better to be early than to be late. Better to be late than never” which can be applied to literally almost anything and everything. Knowing when to go in and out, at times even to pause and wait for the next cycle of identical pattern the next week.

Once you have a basic understanding of how to access the opportunity that is/are coming in your direction either directly in your face, beside you, or behind you, than come up with your own check list to check if all the conditions are met before you jump into the opportunity and ride with the wave.

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Risk management is to identify, assess and prioritize risk (both positive and negative) followed by coordination of risk in keeping the damage to the lowest possible if it comes as negative, and maximizing opportunities should it be positive to the business or in any event or projects.

In business, there are a couple of ways where a business entity can minimize their business risk. Via modelling after what other industry best practices are doing. Below are a few time tested, proven by large multi national corporations all over the world, used by banks, financial, property and even politicians.

First: Diversification: Spread out the risk, and reduce your own entity’s or individual risk on your name. >> Financial bankers, consultants always recommend clients to buy multiple types of investment products, so that in the event should a particular market collapse, the client still have other positive markets not tied nor linked to the troublesome market, thus able to still collect positive returns on investments.

Second: Using other people’s money: Heavily used by property developers, business owners seeking investors, and franchise business model. This way, the individual has got no fear of failure, with such mindset, he/she will be able to concentrate on what works and profits the growth of the business, and big businesses really encourage such practice.

Third: Deal and transact with only low if not zero risk clients. That is why insurance companies make lots of money, and they reject non-healthy clients with pre-existing illness that will cause a dent in their profitability. Supported and strongly encouraged by government globally due to high taxes from such entities.

Fourth: Liability Protection: Every single profitable business in the world have their own respective terms and conditions, clauses for clients to agree first before engaging their services, so as to state clearly only certain type of risks will be taken responsible, and not for individual clients actions should they try to outsmart the system by taking actions in their own hands, and push responsibility to the business.

Fifth: Work with only well-behaved clients and business partners who would give them long term business and sales. Which is why businesses also have their own private black-listed clients and business contacts list, and they ask for feedback from each other, so as to protect themselves from any potential harm. Identical to the ideology of parents do not want their kids to be anywhere near if not hanging out with bad company.

Sixth: Identify a place, environment whereby you can repeatedly fail without worries that you can never ever stand on your feet again. So that when you fall down, you can still stand back on your feet, walk away without any serious injury. In other words, it means, learn to fail with only resources that you can afford to fail without putting yourself in deep trouble that will put you out of business permanently.

Cost of failure in internet allows individuals to fail anywhere from fifty to thousand times without any serious loss of financial expense. While real life physical business will hurt the owner in a single attempt if their pockets are not deep enough as it cost at least a quarter of a million to be considered having test and run a real business with an outlet and the proper tools, equipment, staffs and rental all factored in with other considerations too.

Seventh: Hire a expert, or consultant to monitor your trial and error process, so that you know what went wrong, and how to correct it, the last thing entrepreneurs want is to keep testing and get no results, no feedback, so even if they found a winning solution, but don’t know what is the formula to eliminate poor practice. Have the expert or consultant to sign a agreement not to copy or use your business secrets in anyway possible unless he works with you, so you know you are well protected and taken care of.

If you are in employment, it is considered one of the safest place whereby individuals can keep on failing without fear of losing their source of income, as they are still paid regularly.

If you are unemployed, allocate and set aside budget for your daily, and monthly expenses, than use remaining available savings, spread out over six months or a couple of years, divide the fund equally and start your business online, this way greatly reducing your expenses yet allowing you to cast a wider presence with the help of internet.

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There is a common saying: “Money makes the world goes round.”

It is especially real these days with Singapore being featured again as one of the top twenty highest proportion of millionaires, claiming again the number one spot for highest density of millionaires in the country.

Like what I have written on a page on Money, by 2017, 40% of the Singapore residences will be millionaires according to a wealth manager’s forecast. The report by Bloomberg above proofed to be true, and is supporting claim to the forecast.

Imagine for every five households that you visit in the year 2017 and after, every two out of the five household residences will be a millionaire. The signs are spelled out already so clearly straight in our face now with support of evidence.

So what is left for us to do now at this junction, to fast forward our wealth is to first learn the skills that a millionaire should know, how they invest in assets, reduce their liabilities and decision making process.

If you want to be successful, you should do exactly that, if you have not found a way yet, nor do you know of a way, allow me to help you, if you can trust me, contracts and legal documents to protect yourself, your investment is fine by me, as long as you are willing to invest in the knowledge that I have on hand and the tools that I know, that can help you become a millionaire.

For just a minimal of the lowest 5 digit investment ($10,000) of Singapore currency, profits are than divided 50/50 evenly for those who are willing to have blind faith.. Addressing to anybody across the globe who may have read or come across this blog by luck, referral or link. I just need one person regardless of where you are, just send me a note, and I’ll get back to you.

For those who are still undecided, refusing to accept all the facts that is parked right in front of you, be prepared to ask the same questions six years later in year 2017, when more and more of your friends, people around you become millionaires, and you are still there thinking, what is the difference between him and me?

The answer to that very question is plain straight forward: The Rich INVEST, The Poor SAVE.
So what happens if you know neither on how to invest nor save? You should park your money with the right person or investors.

It is easier to spot a potential candidate who already knows what to do, and how to handle wealth, than  follow the right person with your investment to grow it. Than to wait for the person to become a millionaire already then requesting to park your investments with them. By then, it is too late. If you have no idea what I’m talking, refer to the video on The World Greatest Money Maker: Warren Buffet from the 40th seconds to 50th seconds of the video, a initial investment of $10,000 snowballed and compiled into $50 Million dollars according to what are reported in the video.

I’m not saying that I’m as great as him, but at least perhaps there is a percentage that the $10,ooo will compile into at least a Million. That’s the price and opportunity for early bird investments who trust people who accepted to risk of zero returns as the worse case scenario.

If you want to cling onto a Millionaire when he/she is already accomplished, be prepared to be rejected, for new millionaires are only by than interested in helping people who has helped them in the past, so that said, its as good as not asking them. Your best options, is to make a good bet or discussion with the person whom you want to invest in, make sure he knows where and how to invest and grow the money before you entrust your investments with that person.

You better believe it, for I personally is have known and have seen how millionaires work, keeping secrets only to themselves and their trusted business partners. Those millionaires inclusive of my rich relatives, my mentor(s), whom I don’t hardly speak to, except for the yearly Chinese New Year greetings.

Find your own way to become millionaire fast, I’ve seen it myself on how one of my mentor became a millionaire himself, when he told us the month he hit his millionaire status and the difference in treatment before and after. Even relatives treatment over the years since I was young, a time when they are not as accomplished as they are now shows clear difference in treatment towards non-millionaires.

Millionaires worked extremely hard for their own network, and keep secrets to people who have helped and trusted them only.

If you aren’t sure how to become a millionaire, you should start finding your own millionaire mentor and seek guidance, follow exactly what they tell you to do. If you’re the lazy type, but is cash rich, pass the money over to me, I’ll help you with the investment part to grow your returns.

With that, I hope anybody who have read this blog post, can start focusing in the right direction to draw and follow your millionaire status soon.

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Vigilance in dictionary terms is to have a sustained attention over long period of time.

In modern days, where employment, job security, plentiful food at our disposal,  man have eventually evolved into a state of laziness to such there’s a lack of natural alertness in majority of individuals these days.

From being alert to problems and solving it by ourselves in the back old days (centuries ago), man today has largely involved into easy preys if man were all to be placed and live on their own in the jungle or forest at the mercy of the animals out in the wild.

Reason being so is primarily due to the contentment with the government, security from lack of predators for our lives, thus we fall into a sense of comfort zone refusing to utilize our natural assets namely our brain, using wits to solve problems. Instead, we turn to officials, politicians, security personnel to solve our problem when we can easily solve it on our own if we just work together.

Simple things like a theft, can be easily avoided by simply concealing if not hide the valuables, jewelery from view that only encourage crimes to take place. if it’s in the wild, like how the animals search for food, once they successfully hunt and killed it, they will either hide it, and prepare for rainy days, else take a few quick bites before keeping it at a safe place from other animals who will find an opportunity to  snatch away the food. Just like cheetah trying to keep the kill away from lions, hyenas and vultures.

In the urban environment/habitat, while such animals are kept out of man’s reach and harm, there are however other preys and predators, namely man hunting on man, just that it’s in a different setting. Whereby the rich profits from the poor, sometimes, if not majority capitalizing on the gullible, naive employees like how loan-sharks squeeze their debtors dry. The only difference is that business owners, investors conceal and camouflage their  killing/hunting strategies to themselves so as to maintain and hold off any potential impending predators wanting to get a slice of the market where the money is.

One such example that’s happening every day is in the property, insurance, banking and other sales industries. Every year, globally, news articles reports of scams, frauds, business bankruptcies are all signs and tell-tale signs of modern urban war unknown to majority of the people. Failure to be aware of the urban warfare and struggle for food (money) will ultimately lead to more people going broke and end up in debts.

Even another sector/area that majority if not all (except for the health professionals) will over-look falls into taking care of their own health. Failure to do so, results in lost of income with immediate effect, so health should always be the top priority.

Being aware of our surroundings, and know the risk involved in signing any contracts for sales of anything from small gadgets to credit card, bank loans and even loan guarantors will help individuals avoid the falling into the hands of the mercenaries.

Learning the rules, skills to navigate the modern war in urban habitat will increase the odds of oneself in gaining advantage to fight against the percentage of going broke being an employee.

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Value is defined as the worth often associated with benefits to either oneself, a group or to the masses in terms of financial aspect.

But when it is viewed, rated and determined in terms of ethics, it is not something that can be justified by monetary sense. Yet something that not many would know how to weight the importance of value in terms of ethics without the ability to determine it’s real worth.

From the perspective of poor individual, value is not as important as having immediate access to money which is considered top priority for them for basic survival

Yet from the perspective of wealthy individual, majority if not all of the individuals would weigh value about money, as they can measure the returns on investments with a business based on the accounts.

That is what differentiates the rich and the poor, even the rich from and wealth who know their priority.

Poor have only benefit in their dictionary, not value. Rich and wealthy have both words benefits and value in their dictionary by definition is to understand what it brings to the table at the end of the day in a financial transaction.

Reasons for the poor get poorer over time is due to the following reasons:
1. They want only immediate money commonly defined as benefit
2. They want the benefits exclusively for themselves and their immediate family members only.
3. They don’t care about the interest of others and how much benefits others will gain | In short selfishness

Reasons for the rich getting richer with time are due to the following reasons:
1. They want both benefit (immediate) and value (long term)
2. They want to share the profits. Only by sharing with mutually benefit terms, than can everybody grow wealthier without sacrificing anyone. | In short, this what market expansion with profit sharing.
3. They care not only about themselves, their immediate family members, friends and even their colleagues, employees and business partners. By helping others, they are helping themselves too, but the results comes back in another form of financial returns of employee, business partners loyalty so the business is always growing. | In short: Long term investment, don’t be myopic/short-sighted.

If you like to know more details about expanding the market and growing your wealth on a long-term basis, head over to my other site, that talks about a ebook that I have written named Consumer Guide: 7 Secrets To Cost Efficient Shopping Analysis.

Inside this ebook that i’ve personally written, I talked about how an individual can get the maximal value out of a product/service with 7 secrets of cost efficient shopping analysis. How you can stretch every single dollar you spend on your next shopping trip.

Including flexible, customizable secrets that you can use on both products and services with examples on stand-a-lone basis. While it is titled Customer Guide, I have also included reasons, and explanations on how to make the customer want to buy your products, from both the clients and the sales professional’s perspective.

The key to getting from poor to riches (wealth) is to understand the in-depth value, plan long-term and don’t be myopic.

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Identity is the sense of self, providing sameness and or likeness. It is the individuality, personality, distinctness, uniqueness of oneself which makes everyone of us different.

Within a country, there should be a unique country identity, but thanks to globalizing, this identity of a country has being infused with other countries identity and is no longer unique to own country with the exception of some countries.

China, Korea, Russia, India, Thailand, Malaysia, United States of America, European countries each have their own unique identity as a country and it is shared by all of the citizens.

They embrace and honor their respective nation identity, culture, values and beliefs in the form of religion and have faith in what their nation belief in.

Singapore on the other hand, is on the verge of losing our own unique Singapore identity. Gone are the days of the kampong spirit, friendliness. The present us, are all confine and closed up thanks to the lack of privacy in home designs thus neighbours close doors and contribute largely to what we have today, employees who do and not talk thus it is more like a mundane life as compared to the past.

Being a garden city in the past, with such large investments from overseas companies, are we losing our identity? Where is the garden city? It is becoming more and more like a city of another developed nation with nothing more than commercial buildings, earning profits etc.
Not much focus has to thrown on religion, culture, which is our strength but all this is under valued in terms of commercial profits. We are losing our multi-racial identity which to globalization and losing it to just commercial purpose.

What does Singapore has to offer to tourist? There’s nothing unique of Singapore if it doesn’t focus on your multi religion identity and the ability to work, trust each other regardless of race, language, religion or culture. We allow cooperation and helping one another, but obviously this is what is lacking.

Tourist are paying money just to see what they can find in other countries, Formula One race track, casinos, buildings, all these are just solely for commercial and tax benefits only with no unique identity for Singaporeans. Are we duplicating other countries success at the expense of losing our own unique Singaporean identity which cannot be duplicated in any other countries for obvious reasons?

It is an expensive identity that we are losing and it is heavily neglected and thus giving tourist more reasons to by-pass Singapore if we were to continue with whatever the decisions the tourism industry is thinking.

Even cultural identity is losing, why the local religion and culture are losing to religions thanks colonization during war times. The focus should be local religion and there we have so many locally born Singaporeans embracing religion from overseas. It should be the Singapore Experience and not something which can be seen, duplicated in any part of the world. Fatal mistake!!

Investments should be pumped into showcasing Singapore’s rich
bio-diversity of various religions and cultures staying to our roots.

It is the relationship which we are bonded to by birth which we should stick to and not to embrace other countries identity like what majority of people are converting to other religions from our own roots.

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Upgrade is a replacement of a product with a newer version of the same product. It is handed out as a reward for completed a task, an assignment, for a successful project.

With new upgrades, more features, user experience more benefits and cut down on time processes which may not have being possible without a new upgrade of product.

While everybody upgrades, there is one crucial element of upgrade process which majority of the people failed to upgrade which caused them to be caught up in a fix income range unable to increase or grow their income even if they change employment to a higher paying job, and they are still is unable to save money or save up enough capital for investments to grow their money.

In a product upgrading process; example a technology hardware; computer or notebook, for it to have better audio, visual graphics, faster batter performance and durability of power with longer use in battery mode, all these features requires upgrading of existing core supporting chips and processors inside the hardware so as to support a new upgraded product. Upgrading of chips and processors are the core backbone and what is required for a new graduated product to function well without breaking down halfway.

Without the backbone supporting the newly upgraded and enhanced products, there is no way a new product without core backbone upgrade will even work or last due to lack of primary support system. This is exactly the situation which I see not only in Singapore but all over the world, this is a global problem which needs to be addressed. This is the crux of the problem which it seems impossible to take the leap of faith and jump from rags to riches.

People who want to grow their wealth should first upgrade their own mind, throwing away counter-productive information stored inside their heads and replacing it with new information which will assist them in growing their money and wealth.

It is equivalent to trying to put a Formula One race car engine into a normal civilian car not meant for racing; the engine just doesn’t fit into the car body. Because of the vast difference in the support, tuning, size and many other parts needed to support a Formula One race car engine, a civilian car cannot support the engine nor can it even accommodate the engine, thus it will not even move forward.

It is the same in people. As we seek growth, we need mental growth and upgrades as well, without it, we will not be able to have the necessary skills to management finances, and property issues which will definitely help increase our money and wealth.

Look at lawyers, financial, insurance and property agents, they understand this fact, thus they went on to learn whatever is required to help them better managed their financial statements, accounts which will have a positive effect on their bill statement if done correctly.

It is precisely this issue with majority of the poor people that cause them themselves to be in the poor social class, the reluctance of self-upgrade, thinking that the rich always wants to trick them into believing what they think is evil.

In fact, to get rich, it is a necessity to be brainwashed inside out, but done correctly, you will be able to think and analyze stuffs like how I think right now. Read my previous blog entries and see the difference in how you and I think.

The difference in thinking and perspective is what determines a successful and a failure including some other factors. Get somebody to brainwash your mind positively, and it doesn’t even cost you a single penny, if you want to save money, just read and follow my blog for FREE POSITIVE BRAINWASHING of yourself.

You may be upgrading your own technology gadgets, home, but are you upgrading your own mental thoughts to better equip yourself with the abilities and knowledge to manage your own money and wealth? If you want to learn how, read my blog and ask questions.

Put on your thinking cap!!

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Eliminate is to get rid, omit or remove from further consideration or competition. It is to be void or expel and when it becomes serious such as to eradicate and kill the enemy.

Elimination is what keeps the Asian nations running and function perfectly like a well oiled engine with a system that never breaks down not even once.

In the game of elimination, where it is embraced and practiced by Asian countries, it is a similar to the game show “Survivor” from the USA or “Ninja Warrior” from Japan. The strongest contender wins the game and is crowned the champion at least for that very moment and during the process.

Failure is not an option nor do we Asians encourage one another, it may look bad on the surface, but in fact this elimination culture in Asians is what keeps us going and striving for the better and to surpass the previous champions and winners previously.

Once you fail in any segment of the game show, you are eliminated instantly either by the rules or via votes. For you to come back again, you need to wait for the next show to win back your honor, something which the Japanese perfected in their quest for supremacy thus it climb back up from the fall of the WWII to be the leader in technology.

China is another highly and extremely competitive country, where the strongest and fittest survives. On the surface it may look cruel to abandon our peers and move forward, but this trait and style of practice is essential in the quest for supremacy. Why so, because in order to be the supreme leader in whatever you do, there is no room for weaklings, thus elimination is the way business is conducted thus the difference in business ethics between China and USA.

Singapore on the other hand is a cosmopolitan country with such a rich mixture of nationalities from all over the country that it is no longer works on neither encouragement nor elimination. Instead Singapore is purely and solely based on Black and White, everything has to be spelled out for on the paper in the law. With neither sides near us, the weak minded people will naturally open themselves to lots of problems like being over dependant on the country which is what most of the Asians are doing and is not restricted to only Singapore but also to our neighboring countries.

Being an island with no common share identities with other nations, we need to identify ourselves, like our forefathers in history which we learn, we should take up entrepreneurship, look at the Chinatown back than, it was buzzing with activities and businesses, so much so that it causing problems but that is a positive problem. Look at the current Singapore and ask yourself what is the difference, and if you bright enough with see what I see, you are somewhere there already.

I may not be somebody now, but with time, you will see what I am made off. Either you join me now and we work together and build trust, or in future I select candidates and partners to work with. You decide for yourselves. Look at Bill Gates and his investors, those who invested in them when they were back than a nobody is already benefiting lots from their first investment to date. Vision and foresight is what keeps an entrepreneur moving despite all odds moving against the tide emerging as the champion, the supreme leader.

Success is not a process, it is war, and in war, you need to eliminate your enemies and step on their corpses, with the killing intent and aura to scare off any potential competitors. Constantly improve and work with like minded people to succeed together. Refer to Chinese Three Kingdoms if you need more information.

“Are you thinking what I’m thinking?”

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Control is to exercise restraint, dominate, command and to eliminate and prevent something or someone getting out of hands. Example controlling a forest fire, restraint a dog with a dog leashes to deter it from going against the owner’s direction.

Be it wealthy or poverty, everybody needs to exercise some control in them.

People in poverty will have to exercise restraint over poor money decisions and better manage whatever resources they have for survival.

Wealthy individuals will have to control their spending as well as investments to limit their losses and increase their profits.

How to win the game and succeed is another issue, but controlling our own financial statement and knowing how to do it is important to everyone if they don’t want to live and suffer in misery filled with money woes each day and home becomes a war place.

There are lots of issues, emotions which we need to control, being successful means there are even more things to look at so if you exercise lots of control over positive things and people, you should be seeing your profits increase with time, if you’re seeing it, than it is time to relook at what are you in control of and what to give up control over so as to switch and learn what you should be controlling yourself to move forward and upwards.

Control and exercise self-restraint when needed.

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Gambling is the wagering of money or something of material value on an event or with an uncertain outcome with the primary intent of winning additional money and/or material goods. It is the play of any game of chance for money or other stakes and to take a chance on either a venture or risk towards success.  It can be any matter or thing involving risk or hazardous uncertainty.

By adopting gambling, it is to engage in a reckless or hazardous behavior and in the process of doing so, affecting their close family members and people living near them.

It is only today that I talked to my mom that I understand their thinking. They think that they are investing rather than gambling. Investing in a new hope on a daily basis, resetting their losses on investments with each new investment, purposely does not want to know and record how much they start to ‘invest’ in gambling activities.

The wealthy and successful businessmen will factor in their total losses on investments and proceed onto another business venture if the business is not doing well, but the poor does exactly opposite, ignoring their losses, keep pumping in money with the slightest hope of recouping their daily investments.

Gamblers are investing in the wrong area which leads them to poverty, it is the poor who are digging their own grave and adding more restrictive chains binding themselves to poverty instead of wealth and success.

Lottery, 4D, TOTO, horse racing and even casinos are the traps businesses set for their own company and business profits increasing their own wealth at the expense of the already poor people.

Gamblers often say “small bets will not matter much” but the issue is not placing a small bet, but to be completely blind to striking a balance in their own financial statements which requires basic accounting knowledge. It is like wanting to work to bring the bread home and striking a balance between family and work time. People who are addicted to gambling purposely blind themselves to greed and worship money rather than being hardworking to learn the tested proven ways to increase their own respective pot of own gold in terms of hard earned savings in hope for a decent retirement without worries.

Just look at the track record of winners from gambling history, is there anybody across the world who as being featured in the news to strike the jack-pot winning millions and is able to increase their pot of gold instead of gambling it away bits by bits? Are they able to increase their own wealth without any external help of professional successful businessmen, no gamblers to date since the day gambling was invented has made it possible?

The answer is obviously clear cut and straight forward, gambling will not make anybody rich, instead it is the gambling operators that are successful and wealthy from, it is a simple predator versus prey whereby the gambling operators set multiple traps within the gambling den and the casino with more chances of recouping their losses and highlight how much the highest ‘lucky’ winner has won to date to encourage gamblers to spend more.

Like business whereby nine out of ten businesses will fail ten years down the road, gambling is identical if not the results don’t need to take ten years, in fact just one year will see the results with nine out of ten gamblers losing money than profiting from gambling.

If you who is reading this article right now, agrees and wants to increase your chances of winnings with the factors you can control to reduce your risk of losses, contact me right now and I will show, lead and guide you on how to grow your money into wealth.

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