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All posts by Edgar Pong


Here you go, either you are reading this article for knowledge, for ideas, for selecting the best investment plans, or even to compare it with your product, i must say that this is an investment plan that every investor, ordinary joe, professional should get as one of the instrument in growing their wealth. Why do i say that? reason is because If this product has helped hundreds of thousands of customers across the nation in providing them a guaranteed perpetual income and a potentially high return of investment, I think it is only fair that i share this to you in case you didn’t know or have only heard but never have the chance to understand how it works.

All life insurance company provide similar benefits, but can differ a little due to their different business operations each company is conducting. However, you and I might want to agree that a company with a higher asset value and net worth would do better than the rest. Hence providing you with better dividend and returns.

How this plan works is, after you have invested, you will start receiving cheques of guaranteed income/cash payment so you can still enjoy these ‘bonus’ income for you to either plan for your yearly family vacation generated by this investment on a yearly basis(not affected by economy crisis at all). Besides, you will also be able to reap investment returns up to 20% annually while enjoying the ‘bonus’ income. This is proven from previous track records. You can also “top-up” into this investment plan anytime in order to reap maximum gains of returns. Ultimately, you will enjoy your golden years ahead without having to worry about the future, if you’re planning for retirement or preparing for your child’s education fund, this is something you should think about. So practically investing into this will enable you to sleep well knowing that your investment is ‘safe’. You can also benefit from a Life Insurance and total & permanent disability coverage while you’re harvesting your returns throughout the years with this investment. In addition, for instance within 10 years into the investment, should any 36critical illness strikes, you won’t need to contribute any money but your investment contribution will be waived.

Of course, If you want more insider knowledge and information regarding how this plan works, i’ll be giving a live seminar soon about this plan in helping you grow your wealth while you play, work, and sleep.

Stay Tuned.




I believe you and I agree that we all want to get more out of life. Especially to be more wealthy. You might be thinking what should you invest in to grow your wealth, to become a multi-millionaire. To achieve your dreams and to provide the best for your loved ones. We work hard in our daily lives for a better tomorrow, a better future to live in. Right? All of us will grow old one day. And we want to enjoy our fruits of labor to the fullest. Here comes the decision in between our working adult life to choose the best, the right investment vehicles so that our hard earned money is preserved, or even to grow itself. It is only natural for us to want to get rich quick, just like the tons of “get-rich-quick-schemes” out there in the market that always have its supporters or investors. Lets look at what are the best vehicles of investment to grow our wealth besides the “get-rich-quick-schemes”. They are “real estates”, “stock market”, “mutual funds”, “bonds”, “foreign currency exchange”, etc. These are investments we should look at to grow our wealth for passive income or retirement purposes.

However, what happens if we need emergency “funds”(cash) for unforeseen events? For instance a car accident that puts us in medical treatment for months? What will happen to our monthly income? will the company we are working for pay us although bed-ridden? Yes, you might say, “Thank God I have some emergency funds available”. But what about your family’s wellbeing? their daily expenses? Will your savings be adequate for your family’s living expenses like household bills, food, mortgage loan repayments, car loan, credit card bills, and so on, after you have more or less used up your “emergency fund(cash)” for the medical bills. What if, this happened in the very early stage of building your own business or family? what happens when you’re not around temporarily?What more talking about investing in other investment vehicles.

Is there any solution to these “unforeseen events?” luckily, yes!. This is where getting yourself insured with the correct life insurance comes in. By setting aside 5 to 10% of your monthly income, you’ll be able to create an immediate “emergency fund”, 300 to 400 times more from your monthly 5 to 10% contribution to protect your life’s assets, to protect the money-making machine you. You will then be able to rest well and have a peace of mind recovering from injuries due to accidents or from an illness, knowing your family’s living expenses are taken cared of. After this section on building “pillars of wealth” is sorted out, you might want to consider a retirement plan that generates accumulated interests or returns about 6 to 10% per annum. Besides our government’s packages like “Amanah Saham Bumiputera(ASB)” or the “EPF (Employee’s Provident Fund)”, you will need to grow your wealth through other instruments I have mentioned above.

However, There is one particular business that we can invest our money in is the “Life Insurance Company”, which you shouldn’t miss. And I’m about to tell you “Why” in my next article. Click here to find out.




You might still be in your twenties, your early thirties, but when you hit mid or late thirties, good news, It is still not too late. Most young adults still want to enjoy their youths, they let time pass by thinking there’s still a lot of time. Which is a very normal mindset for most, if not every young adult out there. I get a lot of mid to late twenties telling me they want early retirement, to make their first million faster, but they have no idea where to start, or how to achieve them soonest. So in return i asked back, When do you want your money to work for you while you sleep, play and enjoy life? Isn’t early retirement mean achieving financial freedom early? generating wealth without you trading your hours for it? Only the certain few plan very early for their future. I personally have advised, and provided my expertise and services to these youths, now they are few years ahead of those who didn’t plan, and they have already started generating and accumulating wealth for their future. And the compounding effect from their investments will be substantial. Why do i say “if you do ‘this’ now, you will retire early and make your first million faster?” because doing “this”, will enable you to achieve :

  1. Your goal of first million (in cash) faster
  2. Your Early retirement when you’re still young
  3. Your Education funds for your children being prepared early
  4. Your dream vacations soonest.

So “this” is something you should do before its too late. It is, ‘take action now’. But taking action now might not be the best way to achieve all that is mentioned above. Reason because without the CORRECT action taken, you will still be lacking behind. Now you might want to ask, what kind of action you need to take in order to achieve the specific goals and some of what i mentioned above? You will need to build your pillars of wealth first. The fundamental rule of thumb to financial freedom you need to take into consideration is the 10-20% rule. This portion of your monthly income must go into building your “pillars of wealth”.

Your “pillars of wealth” is like building a pair of powerful legs by regular strength training in the gym on specific muscle groups in order to compete in the 100meter race or the sprinting event. You can never achieve maximum speed or explosiveness to win the 100meter race when all you do is run during training. It is like asking a marathon runner to run the 100meter race.
Take necessary action now, It is never too late to start but if you don’t take action now, it might be too late.




Whether you are a marketing executive, a salesperson, a businessman, or a professional, Making that first impression counts in your future dealings, securing the deal, or trying to win brownie points to secure that job during interview. Research shows that in the first 7 seconds of meeting a potential buyer or customer, he has already decided subconsciously whether he wants to do business with you or not in future. And most of the time, body language plays the biggest part. It is very difficult to convince someone to “like” or “buy” your services after that not-so-good-impression the first time of meeting you. However, there are 3 secrets on how to create good impressions you can learn or adopt if you want to gain unfair advantage over people, secure more deals, and get promoted faster.

Secret No 1 : SMILE.

It is a universal language, even if you can’t speak the language in a foreign country you’re in. There’s a saying, smile, and the world will smile back at you. It breaks down barriers, help people to connect, and ultimately, it makes everyone like you. It brings happiness and positive vibes to those around you. Research also shows that people buy or say yes more when they are in a happy, relaxed, casual and positive mood. Especially if they are surrounded by a smiling individual.


Nothing can be more intimidating and insincere than a sloppy handshake. It only gives an impression of a non trustworthy person. Handshakes are important because it will create a lasting first impression to anyone. However care must be taken to achieve a proper handshake in order to create a good impression. Be the first to extend your hand. This makes a strong and lasting first impression on the person at the receiving end. It is about control. By offering your hand first, you are showing to the other person that you’re leading the way. This applies to both men and women. Don’t shy away for reasons of putting yourself down. Your hands should be grabbing the web of the other’s palm firmly. As you shake someone’s hand, look into the eyes while doing so to establish connection.


Before you engage in a conversation with a new member in a social event, they’ve already noticed your presence. Your body language speaks louder than words. The way you walk, your posture and how you move will affect other’s impression towards you. A slouching back while walking will only make you look timid and unimpressive, hence harder to influence others. Your back should be straight with a little arch on your lower back, with your shoulders rounded and your chest up like how “Arnold Schwarzenegger” stand competing on stage in the Mr Olympia bodybuilding contest. Be constantly aware of your posture when you sit, walk and stand.

Here you go, make sure you do all these 3 key secrets to form a lasting first impression. Therefore, creating good impressions will enable you to achieve more, gain unfair advantage over others at work, in social events and meeting your potential clients.




Many times, we thought that our friend or acquaintance who promotes life insurance and savings plans through the insurance companies should be the best or most sort after. What we often don’t know is, how feasible is our investment vehicle, or if our investment with our “buddies” meet our investment needs in that particular time, economy, and our situation. We often overlook the actual investment returns or benefits it bring by only LISTENING to the “GOOD” side of it because that’s what we’re being told by our friends right?

Now I don’t mean to sound rude or trying to say that we shouldn’t trust our friends who are in the “financial planning” business. My point is, do we ask enough of questions regarding our commitment into an investment product, do we actually read through the fine prints of an investment before we jump into it. Do we ask advices from the “correct” financial advisor? Or just simply any “insurance agent”? Asking opinions and advices from the wrong “insurance or financial advisor” is like a patient going to the hospital and ask the nurse for a surgical advice on your body.

I’ve recently encountered a situation where a good friend of mine was being misled into investing in what we call an “annuity”, where she needs to keep her invested monies in the account until the maturity date. Her initial understanding was that she can withdraw the investment anytime within the first few years whenever she needs it not knowing there’s a penalty if she do so. Besides, she was told that the average return was 19% a year by the “insurance agent”. Most people who aren’t in the industry would believe because the illustration shows. However, most fail to realize that he or she needs to contribute consistently the same investment amount for a number of years. When that happens, the average returns shown in the illustration will NOT be 19% anymore.

After she found out about the truth to her policy she bought, she was upset and felt cheated. Guess what? Her trust towards “insurance agents” had gone sour. The name of being an “insurance agent” is tarnished. These are the so-called insurance agents who are out there for a quick buck will eventually need to face huge consequences to recover their lack of integrity. Which might take an eternity sometimes.

This is one of the reasons why people condemn insurance companies and their products. I have recorded the actual “audio recordings” of a real life discussion between my friend and her insurance agent while being an observer myself.

It will be uploaded into my next article soon after this post. Stay tuned.