Why FIXED Investment Income Company will fail you

Few days back another so called 'brokerage' with many clients who used copy trade system experienced an account wipeout over night. This is just the latest incident starting from beginning of May - JJPTR closure and a host of self claimed fixed investment income company that bit the bullet.

Here are link to the news of some of the companies that received the limelight

http://www.thestar.com.my/news/nation/2017/05/16/jjptrs-johnson-lee-arrested/

http://www.thestar.com.my/news/nation/2017/04/29/more-forex-schemes-are-falling-apart-members-fail-to-receive-profit-on-time-as-promised/

Companies that offer fixed income for investment in Malaysia and some even regionally. This list below are the ones that are either have gone bust, owner skip town, failure to give return, change the investment rules or all of the above (these are only companies within April and May, should be more by the time this article is published.

1. JJPTR
2. BSV 
3. Richway 
4. CYL 
5. Paramount 
6. Evergreen 
7. Visfuture 
8. GMFX 
9. GD 
10. Gaming 339
11. WVC 
12. TRF 
13. PDM 
14. Afx 
15. KKC 
16. CMGFIC 
17. CG International 
18. Dreamwayz
19. The Royal Club 
20. GSR 
21. Wealth Venture Capital 
22. Paramout 8888 
23. GYC 
24. The Richlist Club 
25. MKT
26. CCB
27. SunBestt
28. WMS
29. True Life
30. AC Global

All of these companies have the same MO (modus operandi). You invest a certain amount of money and they promise you a fixed return monthly for your investment. Let's just for a moment, we give these companies benefit of the doubt and not label them as Ponzi Schemes. Why from a Destiny point of view that these companies would ultimately fail?

And before you read on, I would like to add, if the company minimum investment is very low then there a higher chance of it go bust in a very short time. Looking and analysing it from destiny view point.

Let's get down to the logic from Chinese Metaphysics.

Each person have a different set of destiny and also accompanied by different luck period.

Although money is not everything in our modern world, without money a lot of things cannot be accomplished. And ability to earn money or to accumulate wealth does tie in with your good luck period. Most of us live in a materialistic society, hence to have the ability to acquire what you need and wants requires money.

When you are in a good or average luck period, sources of income comes much more easily. When you are in below average or bad luck period, then sources of income could be affected, the person could be sick and not being able to earn an income. 

Then here comes the growing numbers of companies offering a fixed income / fixed percentage of return based on the amount you invest. Starting as low as usd100. These companies on average are offering 10%-35% per month. If you understand the power of compounding, provided they are the real deal, practically everyone who invested would earn a decent amount of monthly income.

Let's not think about reliability or whether it is scam. If these companies are able to sustain more than 5 years then the graph of all those who invested would be as below

Everyone's luck period or more specifically financial luck would be equal. Is that possible? Yes in a Utopian world, definitely. In a materialistic driven society, the answer is definitely no. There is a theory that, given the amount of wealth in our planet today. If we were to gather it all, and redistribute it to all. Each person would be a millionaire. Instant total elimination of poverty and societal problems that derives from unequal distribution of wealth. Is there a possibility of it happening? You and me knows the answer very well.

This is followed by, even if everyone is a millionaire on this planet, within a very short time period, majority of the wealth would go back to those 10% individuals whom have high net worth before the distribution. Why? From economics and psychology, its the marketing, inherent characters and also beliefs on money. From a Destiny perspective, different people have different luck periods.

Coming back to the Fixed Income Investment, now from the above explanation, it is very logical to derive the conclusion that why these companies will fail.

Why would it fail faster if the investment amount is smaller? Because it attracts a large segment of society, when you have a large group the discrepancies of luck levels are even higher, therefore making it arriving at its ultimate doom and fail even faster.

After this, if someone offer you a high compounding monthly return for your money, please forward them this article.

IPO also depends on your destiny....

After more than 10 years in the industry and clients from all types of industries, there's bound to be some stories or incidents worth sharing. I'm going to start the week with a case that relates to IPO.

About more than 6 years back, one of my client asked me whether the company he is working for will be able to go for public listing. I took a look at the partners involved and told him, either they make the move within these 2 years or the window will be lost forever.

About close to 2 years after he asked me, he told me he relayed my analysis to the group of consultants that were helping them for the listing exercise. The group told him, if such outcome can be determine by BaZi alone, then all of them don't have to spend many years in their specialized finance field.

And my client further told me they plan to list their company maybe a year or 2 later.

After another 2 years they totally drop the listing idea. A key director passed away, while others have since resigned.

The moral of the story is not about the accuracy of my analysis, but timing - The Macro Timing and also the relation to a person's destiny. History have taught us that many individuals with incredible skills and wits but somehow did not amount to much due to lack of chance. What is chance? Timing with the prepared skills. Do you know when to cash in? When to cash out? When to stay still and when to go all out?

Feng Shui Setup or Spiritual Help which is the Priority?

Received a call from a long time client about 3 weeks ago. He told me that he is now experiencing hard times. He have just moved the 4th times to an office. His first and 2nd office was audited by me. Currently his business also cannot make enough to pay for his staff salary. He has no where to turn to except trying his luck to ask for my help.

When I audited his business office, he made decent profit and business was growing. That was the condition he was in when I last met him. He did not engage me on his 3rd time moving, and to me that was normal because maybe he finds that luck was on his side and my services was not needed anymore.

I have decided to helped him out due to his past standing as good client. He told me he cannot afford to pay my fees however he will be willing to pay me once he is stable again.
Cleared my appointment on the nearest availability and decided to audit his place as fast as possible.

When I arrived on to audit his current office, the first thing I noticed was there was quite a number of Taoist spiritual implements inside his office. I checked the site with my Loupan and discovered that the front door location and direction is actually not bad for his type of business.

However once inside, all the Feng Shui setup was wrong. From his sitting location, his staff sitting location, enhancing the qi for the type of business plus even the water exits within is all not conducive for his business.

No wonder he is in such a mess.  His personal space within the office has a lot of Taoist spiritual implements from sword to flags to even ancient chinese coins below the desk and a whole lot more.

I advised him to relocate those spiritual items, consolidate some of it while others that cannot be use to be place in storage. He looked at me with a puzzling look. I am not surprised, because in all those years of him knowing me and conducted 2 audits for his office, never once did I mentioned to him about using spiritual implements nor about my Taoist background.

Seeing his puzzling look, I knew if I did not elaborate on my Taoist background he was not going to remove those items. I continue to explained to him that one of the talisman which he painstakingly went to a South Thailand Taoist Temple to obtain is actually one of my Taoist lineage. I further briefly informed him on 2 more Taoist lineage that I am holding, and the reason spiritually why he should relocate those items and consolidate them.

I always believe, if a Feng Shui Master is good at what he is doing, he does not need to use other fields of knowledge to solve the Feng Shui problem. Example, adding spiritual context into solving a Feng Shui problem. On the other hand, if a Taoist Master is good at what he is doing, he does not need to add Feng Shui into solving spiritual matters. Using spiritual method alone will be able to solve the spiritual problems.

Furthermore, I do not like to confuse my client on who are they actually hiring, The Feng Shui Master or the Taoist Master? If in doubt, usually I assure them that you are hiring a practical logical Feng Shui Master who have strong Taoist religious belief. This rarely happen because 90% of my client knows me as a Feng Shui master or practitioner only.

After advicing on the recommendations, finally I gave him some talisman to solve his existing pressing business problem. Because to wait for the Feng Shui setup to run its course requires at least 10 days in which the time he does not have at the moment. Told him the spiritual help is pro-bono but make sure he pays my Feng Shui due fees when he is ok again.

Moral of the story -
1. Remember your Feng Shui Master when you are having a good run.
2. Spiritual methods will work once your environment setup is done correctly. Or else the spiritual help will be like trying to push a heavy cart uphill, you cannot continuously use spiritual method to solve a basic Feng Shui environmental mistake.
3. Remember your Feng Shui Master when you are having a good run. (its not a typo repeat)

It's ALL Element Play

I thought I never need to write basic Feng Shui articles anymore, as Feng Shui is so popular around the world today. Just go to any nearby book store and you will have a section of books dedicate to this subject - all basic ones of course. Nevertheless a good start for all beginners.

What inspired me to write this posting was that I have read somewhere in the main stream media ad that only certain branch of Chinese Metaphysics have direct correlation between Feng Shui and also Destiny. This off course is not true, why some people may be led to believe so, is because mainstream Feng Shui writers like to separate out destiny reading and feng shui. 

They have not been taught that all of this knowledge is supposed to be linked up. However some school of thought linked it up to become a very powerful leverage to help on a person's destiny while some school sort of try to fit a square peg into a round hole (keep on pushing it and make a mess). It is like Fusion Food. I like Tomyam Spaghetti, but please don't ask me to try Peanut Butter with Tuna on a bread !

If you know Chinese Metaphysics really well or study in depth on each of the subjects from Face Reading 面相 to Oracle卜卦 to Feng Shui 風水 to BaZi 八字 / ZiWei 紫薇 to Qi Men Dun Jia 奇門遁甲. All of it deals with the 5 Elements. The basic is the 5 Elements, the highest learning is also interaction of the 5 elements. If it is something beyond 5 Elements then it is NOT Chinese Metaphysics.

What does 5 Elements do? It categorize or simplify the characteristics of the Qi or what you call Energy. And all branches of Chinese Metaphysics talk about achieving balance. When you have balance, not only it looks nice, it sounds perfect and everything moves smoothly.

When we discuss about Human Destiny - humans naturally are affected by Qi, whether reaching balance in their destiny, achieving balance of qi in their body's 5 main organs or harnessing the suitable Qi from the environment to aid them in their luck periods. 

When we read a person's destiny, what is their potential, what is their fall back, what are weakest genetic link - all this have to do with the 5 element balance in their destiny chart. When I do Feng Shui consultation for my clients, I then use the information of their destiny chart and try to do a setup in their environment to harness the qi that will help balance their destiny to avoid all the fall back and support their destiny and luck periods.

I don't do House Feng Shui - meaning find the best way to decorate their house according to House Feng Shui Principles. 

I help my clients do a setup of Qi in their environment, advice them on where to tap the Qi that best suit their type of destiny and also the goal that they are trying to achieve. Therefore each person or family is different. Same house with different people will be different advice.

Destiny here means their Four Pillars of Destiny or 八字. Other systems are only interested in Year of Birth to convert to a GUA Trigam. That you can do in a DIY setting. No need to hire Feng Shui Master.

Because of the mass conventional materials that is out there, writers who have never made the link or never been taught that it is supposed to be linked. This concept becomes alien and 'unconventional' to many newbies.

When I do Yin Feng Shui － Feng Shui for burial ground or columbarium selection, the crucial key other than finding good landforms is whether the element it harness will be suitable for the later generations of my client. Their children's destiny requirement and also the timing to harness the qi.

Even in Qi Men Dun Jia 奇門遁甲，the highest essence is the ability to linked it with a person's destiny. How to chase after qi that is suitable to you. Not just basic favourable and unfavourable location base on conventional Qi Men knowledge that are in books.

From the 十天干 Heavenly Stems， 地支 Earth Branches, 八卦 Ba Gua correlation with 5 Elements 五行 in all Chinese Metaphysics subject is denotating the same 5 Elements - there is no such thing as 5 elements for Feng Shui is different from 5 elements of destiny OR 5 elements of Yin Feng Shui is different from 5 Elements on your face for Face Reading.

Finally, if you have understood this point and looking at the linkage instead of the difference, it all comes down to element play.