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.

Facebook Live

Dear all readers,

As technology advances there is more than 1 way to share message and information out.

All my latest ad-hoc updates will be on

My Facebook page for Feng Shui  Master Ham's Facebook Page

Kindly LIKE the page, Follow it then you will be able to get the latest information on Destiny, Feng Shui and most important of all - Improving your life effectively!

Farewell to my Dearest Shi Fu 師父再見

Early this morning received news that Grandmaster Lau had passed away peacefully in his sleep last night.

It was quite sudden to take it all in, however in our many conversations, master did told me that his time would come any day, because he have lived surpassed his departure time and any extras he would just enjoy it as it happens. That conversation was like 10 years ago. As I write this article, so many memories of him flashes inside my mind.

I still remember clearly the first time I met him more than 13 years ago. After initial communication with him through fax and telephone, I went to Hong Kong to learn from him. I was surprised because he insisted on picking me up from the airport. Upon arriving, I met not only him and Mrs Lau 師母, but also few of his disciples that he brought along to welcome me.

He told me he was glad to have seen me finally and also to saw my face and he was relieved. Because Master Lau is very good in face reading. Relieved in a sense he can impart me the Feng Shui lineage knowledge in seeing that my face does not some indication of traitor or heartless person.

Learning from him went on for the following 8 years. Initially I would sometime spent 2-3 weeks twice a year or more in Hong Kong. Almost all the time, it would be 1 on 1 learning from him. Still remember the usual schedule of me taking a light train then a bus early in the morning from hotel, to arrive at his house. Learning until lunch time, then we go for lunch. After that usually he would have 1 or 2 appointments for the day and he would brought me along. After which he would brief me on why he advised the client those remedies.

師母 would accompany master in all his work and also teachings. We walked all the Hong Kong famous dragons spots and veins. They also took me to all those famous burial sites around Yuen Long area, showed me step by step on how it is done and what are the things to look out for.

His knowledge on Feng Shui is almost encyclopedic not to mention his vast amount of experiences. He always tell us (his disciples) he does not have time to specialize or focus on so many things, so he chose to only specialize in Feng Shui. Amid his knowledge in all Chinese metaphysics including Chinese TCM is astounding.

Not only did he taught me what REAL Feng Shui is all about, he also taught me compassion when we saw that he work tirelessly for those that cannot afford his service or even those that took advantage of his compassion. Yet he can still go on and helped them.

I also learn a lot of Feng Shui work ethics by simply observing how he handles his client, cases that he has done and also all his written works for the Feng Shui community.

He taught me 'each cases that you take up, treat it as your own home or office, then your recommendation will always be the best in mind for your client'. I have taken this advice and continue to put it to practice for the past decade of my own practice

Photo with GrandMaster Lau and Mrs Lau

Even my 2 sons name is selected by my master.

師父 Shi Fu， I would not have the type of the life I am living, if it is not because of your generosity to impart your knowledge of the Han Wu Lineage to me and all other disciples. I am forever in gratitude. Without the knowledge, I would also not be able to go on and affect so many lives for the better.

Each time I turned the Lou Pan I will remember all you have taught me. I would not be sad, because knowing that you are an accomplished cultivator you would have left peacefully and go onwards to your next journey confidently.

As a disciple, I can only hope to walk in the shadows of your footsteps. Your Feng Shui legacy would continue on and if we do have the affinity, may we meet again! As you always said, 'Those in Feng Shui and Destiny, we don't do long good byes as we know affinity decides everything. May you have a speedy journey ahead.

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)

How to Survive Bad Financial Times with Destiny Analysis and Feng Shui......

Majority of us are feeling the impact of bad financial times in Malaysia. Various impact including devaluation of currency result in more narrow scope of opportunity in most sectors and field.

If you are student of Chinese Metaphysics then undoubtedly the first thing you have to learn is there is a cycle to everything in the universe. There is no permanent bad times or good times. The key is what to do in each of those times.

As the country and location that a person is situated would already be affected by the location luck ie bad economic times. Nothing we can change about that.

First and foremost for survival is to know where you are in your luck range. Whether the coming 3 years is BAD, AVERAGE or GOOD. To know that you need to be able to look at your own destiny chart 八字 4 Pillars. Check on your 10 years luck, then with the information apply it on the coming 3 individual years personal luck.

If 10 Years Luck is GOOD but yearly luck is bad then the most is AVERAGE 

If 10 Years Luck is GOOD but yearly luck is AVERAGE then the most is ABOVE AVERAGE

If 10 Years Luck is GOOD and yearly luck is GOOD then it will be GOOD no matter how the economy turn out. 

If 10 Years Luck is BAD but yearly luck is GOOD, then the most is AVERAGE and surviving.

If 10 Years Luck is BAD and yearly luck is AVERAGE then the most is BELOW AVERAGE.

If 10 Years Luck is BAD and yearly luck is also BAD, then most of anything unfavourable will happen to you such as losing job, changing job and getting worst each time and also facing tremendous financial difficulty.

If after checking and your luck overall is GOOD or ABOVE AVERAGE, you have nothing to worry about. You will definitely ride through the storm, perhaps even a good time for investment, pick up a few fundamentally strong stocks or properties.

The following article is for those who are AVERAGE, BELOW AVERAGE or BAD. How to survive the coming period.

1. Make sure your house Feng Shui is audited accordingly. When good economic times, the overall luck situation of your surrounding economy can support you even if your luck is below average. For example, in a village where the crops are growing in abundant, nobody will die of hunger even if they are lazy or cannot work. Some neighbours would be willing to give you some to survive.

If you are in a village that is experiencing extreme weathers, nobody will have any spare food for you. That's what I mean in surrounding economy. 

2. Make sure you do not do any new investments when your luck is AVERAGE and below during this time. One movement or jerk and you will be on the losing end. Good Luck people made smart decisions and Average Luck people or Below Average Luck people made the smart decision at the wrong time!

3. If you are in business, put your business into survival instinct now matter how big or steady your company is perceived to be. When you are in AVERAGE luck and operating a company in Bad Financial Times, it is like a boat sailing towards the rough seas with faulty compass.

4. If you are an employee, with AVERAGE luck ahead. Forget about the grass is greener on the other side. It is all a fantasy that only exist in your mind. Any changes you make in your career will be a regretful move. Stay put, check on how you can be more of value to your existing company so that you will not be on the 'let go' list when push comes to shove.

5. If you are thinking of starting a business with AVERAGE luck. I have a list of charitable organization that you can donate towards that will not only increase your spiritual merits but saves you the headache of watching your startup burning up all your hard earn or borrowed cash in the new 'venture'

6. If your luck is BAD for the coming 3 years. Lay low if you are an employee, add value to your work. Be prepared for any worst possibility in your career. Save up for 3 to 6 months worth of your own salary. Make sure you do not do any renovation at your existing home due to your fancy or own instinct of how things should be, because 99% of the time you will make it worst.

Knowing where you are, strong survival game plan and you are ahead of 90% of those people who do not even know that luck cycle exist.

MERS through eyes of Chinese Metaphysics

2002 - 2003 saw the first rise of SARS infections and peak of death rates in 2003. http://en.wikipedia.org/wiki/Severe_acute_respiratory_syndrome. That was 12 years ago. The Chinese Calendar in 2003 was 癸未, exactly a cycle of Earthly Branches 地支 compare to this year. 

This month and especially this few days, news agencies started picking up the spread of MERS virus in Korea. Whether can the virus spread further, as it was first noticed in late 2012 in Saudi Arabia.

MERS image from alwaysimages.de

Interestingly this year 2015, the Chinese Calendar is 乙未. It is the same as in 2003, which is a goat year 未，however the Heavenly Stems 天干 is different. 2003 癸未 saw the clash of 癸 water stem clash with 未 earthly branch, which is clear water represented by the 癸 WATER stem with 未 EARTH branch.

2015 however, we have 乙 Wood Stem with 未 Earth. Will it be able to go full fledge into epidemic scale? Not likely. However since the month of June is 壬午 and July is 癸未 ， base on this 2 months and their element it is not likely to go away anytime soon.  The likely EARLIEST will also have to be beginning of autumn which is in August 甲申. 

Travelling this year if based on #QMDJ Qi Men Dun Jia 奇门遁甲 is not advisable for WEST and also EAST, using your own locality as to determine reference point.

For those who their own Ba Zi 八字 is particularly sensitive to Fire are not advisable to travel at least until Autumn this year, if the infection rate is not controlled by respective countries within these few weeks.

Stay Safe!