The Smart Money Formula

To Help You Have More Time and Money To Do What You Want To Do!




QUEK Kai-Hock
http://SmartAboutMyMoney.com
http://TheSmartMoneyFormula.com
T Harv Eker’s Lead Coach (Asia)

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© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


The Smart Money Formula
QUEK Kai-Hock
http://SmartAboutMyMoney.com
http://TheSmartMoneyFormula.com
T Harv Eker’s Lead Coach (Asia)

LEGAL NOTICE
Because my mission in life is to teach as many people as possible
to take charge of their finances, I’m granting you the rights to give
away this special eBook (worth US$67) to anyone you see fit, as
long as you do NOT alter the content in any way!

The Publisher has strived to be as accurate and complete as possible in the creation of
this eBook, notwithstanding the fact that he does not warrant or represent at any time
that the contents within are accurate due to the rapidly changing nature of the Internet.
While all attempts have been made to verify information provided in this publication,
the Publisher assumes no responsibility for errors, omissions, or contrary
interpretation of the subject matter herein. Any perceived slights of specific persons,
peoples, or organizations are unintentional.
In practical advice books, like anything else in life, there are no guarantees of income
made/results. Readers are cautioned to rely on their own judgment about their
individual circumstances and act accordingly.
This eBook is for informational purposes only and is not intended for use as a source of
legal, business, accounting or financial advice. All readers are advised to seek services of
competent professionals in legal, business, accounting and finance fields.

You are encouraged to print this eBook for easy reading! =)
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


What Subscribers Are Saying About
The Smart Money Formula
****************************************************************
“The Smart Money Formula” stepped me through the thought process
necessary to become financially free. Coupled with the tools provided, I am so
encouraged to take positive actions to apply the concepts taught as they are
interesting and easy to follow. Working out my personal financial statement
is also a good reminder that I need to get on top of my finances regularly. I
will recommend this eBook to anyone who would like to be smart about their
money!
- Lydia
****************************************************************

****************************************************************
I find the financial statement template very useful. I do have my own financial
statement but i have learned to improve on my template and to take into
consideration of things which i did not think of previously.
The money allocation system is very useful too. I learned to better allocate my
salary and to reward myself for the hardwork.
- Daphne
****************************************************************

Read more testimonials here and/or leave your own!

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Acknowledgements
To my parents, Quek Ser Yeow and Lau Yeow Eng, I’m eternally grateful to
all the sacrifices you’ve made and for your unconditional love. I love you
both!
To my parents-in-law, Wang Sze Nam and Kok Hui Tian, for allowing her
daughter to marry me and loving my children deeply.

To my wife, Wang Tse Wern, for being the woman that makes every man
envious of me. I am grateful that you are with me all the time and always
supportive of my decision. I love your daily smile, laughter, hugs and kisses!
I love you always!
To my children, Quek Kay Hng and Quek Yi Xuan, your arrivals into my life
gave me a strong sense of purpose in life. You are 100/100 Joy Points!

Special thanks to Yee Shun Jian and Catherina Ruth Chia for your
mentorship and support. Without which, this eBook would have never been
written!
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Who Should Read This Ebook?
My experiences have concluded that the following types of people have
guaranteed success with this eBook.
• When You Are OPEN. You don’t have to believe a single word I
say. I would only seek your openness and willingness to go
through the exercises and see the results for yourself.
• When You Are TEACHABLE. The 3 most dangerous words in our
life is “I Know That”. When you have this attitude, you already
throw away your chances that you can learn something.
• When You Do This Manual STEP-BY-STEP. It is pointless for you
to read through everything and do nothing about the information.
I am only interested in your results and the only way to achieve
that is to read through first and do the manual STEP-BY-STEP
rather than to scan through or skip steps.
• When you Play at 100%. There will be activities for you to go
through. If you do only half, then you do not have the full impact of
the activities. Interestingly, the part that you usually do not do is
the part that you really needed most that can impact your life!


If you think that Financial Freedom can be “postponed”,
then you are making a BIG MISTAKE.
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Table Of Contents
 Introduction
 Why Learn MONEY?
 The Smart Money Formula
 Money Basics
o Do you know what Financial Freedom is?
o Do you know the Cashflow Quadrant?
o Do you have a Personal Financial Statement?
o The Money Management System

 Money Guard
 Money Mind
 Money Growth
 Where Do I Go From Here…
 Resources

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Introduction
Hi, my name is QUEK Kai-Hock, founder of personal development blog
http://SmartAboutMyMoney.com and author of “The Smart Money
Formula” eBook (http://TheSmartMoneyFormula.com). I am also
T Harv Eker’s Lead Coach (Asia) for his worldwide coaching programs.
First of all, I’d like to congratulate you for downloading this eBook. You
now have before you an amazing, powerful resource for your financial
transformation.
Now, you may be wondering to yourself… “How can a couple of pages help
me, let alone change my life?”
In order to answer that question and show you the effects of using this
information diligently, let me share with you my personal story…





BTW, to help you remember my name,
link it with “Sky Hawk” and drop the “S”
sound… That is, “Kai Hock”.



© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


I’m living in Singapore with my wife and two children.

Currently, I have 5 streams of income:
• Successful home-based business owner for 10 years with multiple
awards as a top income earner in my category.
• Speaker and Master Money Coach for “Smart About My Money”
program.
• Lead Coach (Asia) for T Harv Eker’s “Life Makeover Coaching” and
“Reasons Or Results Coaching” programs.
• Internet Marketer.
• End-of-Day Technical Analysis Stock Trader.

And in my personal life, I am living a dream lifestyle that many people
would love to have. I get to do my morning exercises, bring my kids to
school, personally attend to my parents medical needs, do what I love
(which is coaching), and go to sleep early.
I am telling you these not to impress you BUT to impress
upon you that having multiple streams of income and
achieving Financial Freedom is possible.
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


I started my journey to achieve my Financial Freedom in 2003.
Prior to that, my only thought (as what my parents had instilled in me) was,
“Study hard, get a good grade, go to university, get a good job, work till 65
and retire happily ever after.” Being a good son, I did exactly what my
parents told me…
• I received my First Class Honours in Computer Engineering
(under the accelerated Honours programme) in 1998.
• I received my Masters in Computer Engineering in 2000.
• After graduation, my first job was to work as a Research Associate
in Center for High Performance Embedded System.
• During my 7 years as a Research Associate, I published >10
journal and conference papers.

Back then, life was good. I woke up in the morning to go to a job that I had
strong interest in. My professor gave me lots of freedom to conduct my
research in my work and to go for patenting later. After coming home from
work, I get to enjoy dinner with my wife and watch TV program with her. I
believed I could continue to have this kind of lifestyle till retirement.
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


However, in March 2003 (2 years into my job), I had a turning point in my
life.
I had a family challenge
My father had his first major operation to cut away half of his stomach due
to his ruptured stomach ulcer as a result of long-term smoking and poor
diet habits. While visiting my father in the hospital, my mother contracted
Severe Acute Respiratory Syndrome (SARS, now known as H1N1) which
spread like wild fire in Singapore. As if these events were not enough for
me to deal with, my first son was born at the same time. I had always
wanted to witness the birth of my son and cut the umbilical cord to
“welcome” him to this world. But I was self-quarantined and the doctor
refused to let me go near him. I was devastated!
So, my father, mother and son were all in the hospital at the same time, but
I still had to report to my job instead of spending time with them. After
those events were over, I kept asking myself why I was so unlucky to have
gone through all these ordeals.
Everything happens for a reason
Did you had an event or a series of events that left you feeling devastated?
Looking back, I was “lucky” that I had been challenged to move out of my
comfort zone and made me realised that a job is not what I want for the
rest of my life.
Since then, I wanted my Financial Freedom!
(Now, I know… “Nothing in life has any meaning except the meaning you give
it.” -- Tony Robbins. So, Mind Training is essentials and helps you view
events positively and benefit from its lessons)

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


However, my journey in Financial Freedom was not smooth and swift. It
was not one of these scenarios…
• I make money online - $200 to $6000
in 1 Week
• Below is my screenshot of my Paypal
Account Summary. $18,898 USD in 3
Months only!
• I trade stocks with XYZ system from
home and make $5,000 a month from
the beach
• How I bought 20 properties with no
money down!

I am not suggesting that these are SCAMS. In fact, I believe it will probably
work for some of the participants. However, it just did not happen to me.

Because my parents were really poor when I was growing up, I had a really
"broke" mindset most of my life. Also, the only way that they know of
generating income was to be in a J.O.B. (Just Over Broke). And earning bank
interest from their savings is the only way to invest their money. Sounds
familiar?
I had to un-learn and re-learn.
I had to un-learn all the things that my parents taught me about Money and
I had to re-learn the right way to move towards Financial Freedom. After all,
12 years of school life, 4 years of university life and 2 years of Masters
taught me nothing about Money.

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


However I had to contribute the majority of my success to my Coach who
showed me how to think like a wealthy person. He is a millionaire but he
doesn’t dress like one or act like one. And he is very generous in his giving
of knowledge. I still recall an incident that was a tipping point in my
personal growth.
We were working together in our home-business. Each time, when he
suggested to me to invest money to grow my business or attend a
workshop, I will reply him, “I am poor and I don’t have the money”. I guess I
repeated this phrase enough times that one day, he pulled me one side and
he said,
“Kai Hock, if you keep telling yourself
that you are poor, you can never be rich!”
That night, I stayed wide awake. His comments kept ringing in my ear. He is
VERY RIGHT! And I started to shift my “broke” mind set to an Abundance
one. I started to dream bigger and then bigger and then bigger. And I
started to sign up for courses, read books, listen to audios and do whatever
it takes to learn how to make SUCCESS work for me. And here are two
snapshots of my current vision board.

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


And for the past 10 years, I have easily invested more than $50,000 into my
personal development. These included 100+ books and audios and also
workshops such as …

• T Harv Eker
o Millionaire Mind Intensive (3 Days)
o Life Direction Intensive (3 Days)
o Guerrilla Business Intensive (5 Days)
o Train The Trainer (5 Days)
o Enlightened Warrior Camp (5 Days)
o Master Your Mind (4 Days)
o Never Work Again (4 Days)
o Freedom Trader Intensive (2 Days)

• T Harv Eker & Alex Mandossian (As a Coach)
o Ultimate Internet Boot Camp 1.0 (5 Days)
o Ultimate Internet Boot Camp 2.0
(5 Days, Las Vegas – USA)

• Blair Singer
o Authentic Sales & Leadership Seminar (2 Days)

• Dr Sundardas D Annamalay
o Success Permission (1 Day for 6 Times)
o Success Mastery (4 Days for 2 Times)
o Science Behind The Secret (1 Day)
o Your Millionaire Blueprint (1 Day)

• Paul R. Scheele (via Jean Giam as Trainer)
o PhotoReading (2 Days)

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


In fact, it is through attending T Harv Eker’s workshops and my willingness
to step out of my comfort zone that helps me to become his Life Coach in
his signature coaching programs – “Life Makeover Coaching” & “Reasons
OR Results Coaching”.



That was also my bridge to start my own Coaching Program specifically
related to Money, “Smart About My Money”.

I have been coaching for 8 years now and have helped hundreds of clients
to improve their life and to reach their financial freedom.


© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


In the following, I will use The Smart Money Formula to show you a plan
for you to achieve your Financial Freedom when you follow it whole-
heartedly.
By the end of this eBook, you would
• Get motivated about pursuing Financial Freedom
• Have clarity on how to reach your Financial Freedom
• Accelerate your path towards Financial Freedom
• Learn how to tame your money by managing it
• Know how to protect your money
• Discover nothing works on the outside unless you work on
your inside
• Have a taste of how to grow your money

One thing for sure… Focusing on Money Growth (or Income Generation) is
the wrong thing to do if you are serious about your Financial Freedom!

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Why Learn MONEY?
I was lying on my bed, next to my wife and about to go to sleep. Then, a
thought popped into my head, “Everyone needs to learn about Money”.
The problem with Money is that we never learn how to manage it, how to
reach financial freedom or how to invest it during our school days. We
never attended Money 101 and we are thrown into the working society to
learn ourselves. So, most people don’t even know about Money and
struggle with trial-and-errors which can be very frustrating.
We Don't Have Financial Crisis;
We Have Educational Crisis.
How would the world be if people are trained in Money?
I started to see this vision that each family has a member who is trained in
Money and know exactly how to move his family into a better financial
future and enjoying more of life. I call these people Money Champions.
I started to see how the world changes when each family is financially
secure and take charge of their money.
I started to see the world having more happy people, more confident
people and more growth in economy.
I see the world making a big leap into greater heights because people can
take charge of their money.
Next day, I started crafting this vision and the rest is history.

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


The Smart Money Formula
The Smart Money Formula consists of the following 4 steps.


As you can see, the formula is structured with a broad base and a pointed
tip. The broad base, Money Basics, is your foundation that allows you to
have control over your money. Money Guard protects you from
unnecessary loss of money. Next, Money Mind strengthens your mindset
and helps you stay focus towards your Financial Freedom. Lastly, when you
reach the top, Money Growth, it shows you how to grow your money
towards your dream lifestyle.
Each layer is a foundation for the next layer starting with Money Basics and
moving up to Money Guard, Money Mind and Money Growth.

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Why is having this foundation important to your financial success?
Let’s use an example:
• Person-A makes $10,000 per month
• Person-B makes $4,000 per month
Most people will like to be Person A since he makes more money.

What if I give you more insights…
• Person-A makes $10,000 per month but spends $12,000 each
month,
• Person-B makes $4,000 per month and spends only $3,000 each
month?
Who do you want to be now?
Obviously Person-B since there are savings left while Person-A is down the
road of deep trouble.
Usually, I find many Money programs in the market talking about how to
make more money (i.e. Money Growth). However, without the foundations
(i.e. Money Basic, Money Guard, Money Mind), most people just have
challenges in retaining the money that they make.

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Money Basics
So, what is Money Basics?
1. Do you know what Financial Freedom is?
2. Do you know the Cashflow Quadrant?
3. Do you have a Personal Financial Statement?
o Do you know what is your monthly Cash Flow?
o Do you know what is your Net Worth?
o Do you know exactly how much you need to be financially free?
o Do you set financial goals?
4. Do you have an effective Money Management System?
NOTE: Do you observe that the school does not teach Money 101 and does
not provide answers to any of those questions? No worries. Coming up on
the next few pages, I will provide you with the answers to the above
questions.
So, where did I learn all these? I treat MONEY as a subject just like History,
Physics or Rocket Science. But luckily, MONEY is actually a lot easier as
compared to studying for Rocket Science. Money Success is an open secret
but you have to invest time and effort to learn it. And over the past 10 years,
I have invested more than $50,000 in countless books that I read, audios
that I listen, videos that I watch and seminars that I attended.

Many people ask me, “Kai Hock, what is one easy to read
book that you would recommend for beginners of
MONEY?”
I would recommend Robert Kiyosaki’s “The Cashflow
Quadrant”. See the book here

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


1. Do you know what Financial Freedom is?
Most textbooks define Financial Freedom as
Financial Freedom: Passive Income > Expenses
To help you remember, say the following 10 times, “FF is PI greater than E”.
Come on… 10 times! I thought you agree to be teachable?
Expenses are items such as food, utilities, mobile phone subscriptions,
transport, home insurance, home mortgage, car petrol, pets, internet,
medical expenses, taxes, charity, vacations, allowance, gifts, newspaper,
clothes, parties, car repair, life insurance, home helper and many more.
Passive income is an income received on a regular basis, with little effort
required to maintain. Some examples are
• Earnings from a systemised business
• Rent from property
• Royalties from publishing a book or song or licensing a patent
• Earnings from internet advertisements
• Earnings from Franchise your business model to other people
• Dividends from stocks
• Earnings from Systemised Network Marketing business
This equation (FF: PI > E) is one of the most important knowledge you must
have. And from the equation, you should see that you DO NOT need to have
$1,000,000 to be financially free!
In the “Smart About My Money” Coaching Program, we will
teach you how to accelerate your Financial Freedom by
tweaking the equation.
Click here to find out more about the coaching program
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


2. Do you know the Cashflow Quadrant?

In the book, The Cashflow Quadrant, Robert Kiyosaki explained that most
people are in the “Employee” or “Self-Employed” quadrants while Financial
Freedom is found only when you are in the “Business Owner” or “Investor”
quadrants. So, how do you move from the Left to the Right quadrants?
To own a business, you can operate one of the following:
• Traditional Business
• Franchise Business
• Network Marketing
(a.k.a. Multi-level Marketing ≠ Pyramid Selling)
• Internet Marketing
To invest, you can do one of the following:
• Real Estate
• Business Acquisition
• Derivatives (Stocks, Options, Forex Commodities, Futures, etc)
In the “Smart About My Money” Coaching Program, we explore
2 types of business and investing tools and pick one from each
category to move you towards your Financial Freedom
Click here to find out more about the coaching program
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


3. Do you have a Personal Financial Statement?
Now that you know that you need to grow your Passive Income to be
Financially Free, do you just charge forward to the Right side of the
Cashflow Quadrant and be a Business Owner or Investors?
That is what most people do and that is what most Money programs
suggest… and it is all WRONG!
Do you know exactly how much you need to be financially free?
How can you hit a target that you don’t even have?
The next step is probably the most important FIRST STEP that you must
take: Companies do it; Governments do it; Rich people do it. The only
people who don’t do it are Average people.
It is a Personal Financial Statement.
Why do you think a company needs a financial statement? It is a scorecard
that measures the success of a company. And that is exactly the same
reason why you need a personal financial statement.
So, what are the benefits of having a Personal Financial Statement?
• I have clients who did it and realized that they are already
financially free.
• I also have clients realized that they have been paying for a
subscription that they never use. They stopped it and saved.
• When you look at the Personal Financial Statement, you know
straight away whether you are setting yourself up for success or
you are unknowingly setting yourself up for failure.
• And by knowing what your current financial situation is, you can
implement strategies to accelerate towards your Financial
Freedom.
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


The Personal Financial Statement

The Personal Financial Statement (PFS) consists of
• Date = “Correct as of… “
• Income Statement
o Income = CASH coming into your life
o Expenses = CASH going out of your life
• Balance Sheet
o Assets = Adds more INCOME
o Liabilities = Adds more EXPENSES
This is the framework of the Personal Financial Statement. You can click
here to download the detailed Personal Financial Statement
(i.e. “The Smart Money Formula Worksheets” as promised).
It contains comprehensive lists of Income, Expenses, Assets and Liabilities.

CASH IN
CASH OUT
+INCOME +EXPENSES
BONUS FREE GIFT
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Personal Financial Statements of The Poor, Middle-Class and Rich
The POOR usually works in one or two
low-income job and trade time for money.
Whatever they earn, they used it to pay for
expenses. Money-in equals money-out.

The MIDDLE-CLASS has a higher income and
may have 1-2 assets. And they start to buy a lot
of liabilities such as a car, a house and to spend
via credit cards. The income goes to liabilities,
move up to expenses and out.

The RICH has money coming in. But instead of
buying liabilities, they buy assets such as
properties, business and other forms of
investment. The money will go up to their
income which in turn is used to buy more
assets and only a small part of their income is
used to pay their expenses and then out.
Once you complete your Personal Financial Statement (PFS),
• You know your Cash Flow (= Income – Expenses)
• You know your Net Worth (= Assets – Liabilities)
• You know how much you need to be Financially Free (= Expenses)
• You can set smart financial goals
In the “Smart About My Money” Coaching Program, we carry
out a detail analysis of your PFS so that you spend like Rich
People. Then, we track it monthly to create this success habit!
Click here to find out more about the coaching program
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


4. The Money Management System
I learn The Money Jar System from T Harv Eker in his world renowned
Millionaire Mind Intensive. It consists of 6 Jars and I have renamed the jars
based on the purpose and intention.

FREEDOM
(10%)
This is for your Financial Freedom. The idea is to grow this money like a golden goose
to lay golden eggs called Passive Income. You never spend this money except to invest
or buy/create passive income streams.
FUN
(10%)
This is for you to enjoy your life and to indulge yourself. It is especially useful to
SAVERS as they always feel guilty when they spend. It is also helpful to SPENDERS to
ensure that they live within their means. You must blow this jar every month.
SAVING
(10%)
This is for the new car, the latest LED TV, the dream holiday trip, etc. You can also use
this jar to save up for your children university fund, 6-mths security fund, etc. If you are
currently in debt, use 50% of the jar to repay.
SMART
(10%)
Ben Franklin said, “If you think education is expensive, try ignorance.”; T Harv Eker
said, “If you are not growing, you're dying!” The money in this jar is to spend on books,
audios, seminars or coaching.
SERVE
(5%)
This is for your favourite charity, your church and/or your temple. This is also to
activate the Law of Attraction (i.e. you must feel abundance to be able to give) & Law of
Giving (i.e. the more you give, the more you get). This is to be donated every month.
LIVING
(55%)
This is for your living expenses such as your phone bills, transport and food. Most
people work in a job they hate just to make enough to EXIST. So, I want you to work on
your passion to LIVE instead. This is to be spent daily and to live below your means

In the “Smart About My Money” Coaching Program, we show
you how to implement the Money Jar System in the real world
and how to marry the PFS together with the Money Jar System.
Click here to find out more about the coaching program
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Money Guard
The 2nd layer of The Smart Money Formula is to guard
your money against four scenarios. Some of these are
unexpected financial loses that cause emotional distress.
But if you are prepared, you have less stress.
1. Taxation
2. Hospitalisation
3. Retrenchment (if you are in a JOB)
4. Permanent Disability & Major Illness
Scenario 1: It is good to pay tax. Paying tax means that we pool our
resources together for the betterment of the nation and the society.
However, being Smart About My Money means that you want to pay your
due diligence and not anything more. So, how much do you know of the tax
laws to protect yourself financially?
SOLUTION: Have a tax accountant go through your Personal and Business
Financial Statement.
Scenario 2: Being in hospital is the furthest thing in our minds. Yet, you
can’t be 100% certain of avoiding illnesses that may require a prolonged
hospital confinement. If that situation arises, you have two risks:
 Income Loss (especially for self-employed)
 Hospital Expenses
Even if you have government-linked medical scheme that covers part of the
hospital expenses, is it enough? There is also “deductibles and co-insurance”
that you have to pay. Then, there is follow-up doctor visits, etc.
SOLUTION: Have a Hospitalisation Income insurance coverage.
(Instead of worrying about disease, start taking charge of your health)
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Scenario 3: A job is a transaction between your boss and you and it must
meet 2 conditions simultaneously.
 you must have time to trade for your boss’s money
 your boss must have money to trade for your time
So, if you are having health challenge or family challenge, you no longer
have a job. Likewise, if your boss does not do well in his business, you no
longer have a job. So, it is important that you continue to protect your
current lifestyle for at least 6 months while searching for a new JOB.
SOLUTION: Open a “force” saving account and transfer 10% of your
income to this account every month automatically. After 60 months (i.e. 5
years), you would have the sum of money.
Scenario 4: Although we hope it would not happen, the fact is that
 1 in 2 men will develop cancer in their lifetime
 Cardiovascular disease is the number one killer among women
 1 in 10 people over the age of 65 are affected by Alzheimer
 The chance of developing invasive breast cancer during a woman's
lifetime is 1 in 8
And this does not include a list of >30 critical illness.
SOLUTION: Have a “Permanent Disability + Critical Illness” insurance
coverage AND Hospital Income insurance coverage AND open a “force”
saving account.
(If you are overweight now, try these Fat Burning Foods to reduce your
chance of getting these diseases)
Most people buy insurance but hope that they never need to
claim against it. Instead of hoping, the “Smart About My Money”
Coaching Program, teaches you practical steps to stay healthy.
Click here to find out more about the coaching program
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Money Mind
The 3rd layer of The Smart Money Formula is perhaps the
most important. Most people will skip the Money Mind
layer and jump straight to Money Growth. This is a BIG
MISTAKE!
John Kehoe’s “Mind Power” states, “
Law #6 - Law of Connection:
The inner world (thoughts, feelings, emotions) and
the outer world (actions, circumstances, situations, results)
are connected together
Time and again, I see people who have an inner belief that “investing is
risky”. Yet, they still get into a stock investing/trading course and get
burned. And people who think “my friends are negative about MLM” gets
into a MLM business and could not move an inch!

So, if you feel that you are fat,
you can never be slim. If you
keep saying that you are poor,
you can never be rich. If you
think you can’t, you can never
do it.
While we know that we are
supposed to think positively all
the time, the mind keeps
sabotaging us with all the
negatives!
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


If you want to achieve Financial Freedom (or to create Wealth), it is of
utmost importance that you train your mind to think in a positive way.
After all, given 2 people, one is positive and the other is negative most of
the time, who has the higher chance of getting success? If your answer is
“the positive guy”, shouldn’t you start to be a positive person now?
Over many years, one resource that I highly recommend to people to stay
positive is The Optimist Creed. Read this aloud and with passion daily!

In the “Smart About My Money” Coaching Program, we teach
you more ways to “tame” your mind and to wipe out negative
emotions in 5 minutes or less!
Click here to find out more about the coaching program

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Money Growth
The highest layer of The Smart Money Formula is Money
Growth. This involves either being a business owner or an
investor.
Before we focus on how to grow your money, do you
observe something interesting? Again, most seminars and
workshops only focus on Money Growth because this is
what most people want to hear. However, the reality is that Money Basics,
Money Guard and Money Mind set the strong foundation for sustainable
Money Growth.

No wonder there are so many people who make the money but could not
see the money. Make sense? Also, aren’t there a lot of people who attended
Money programs but do little or nothing about it after that? That is why
they need to strengthen their mind first.

So, if you are reading this part without reading the previous pages, please
go back to Money Basics.

For Money Growth, you can either be a Business Owner or Investor. If you
are currently an Employee or Self-employed, Robert Kiyosaki (author of
“Rich Dad, Poor Dad” and “The Cashflow Quandrant”) recommends that
you become a Business Owner first.

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


To be a Business Owner, you can choose to own a
• Traditional Business
• Franchise Business
• Network Marketing
(a.k.a. Multi-level Marketing ≠ Pyramid Selling)
• Internet Marketing
Once your passive income is established, you can become an Investor to put
your money-at-work in
• Real Estate
• Business Acquisition
• Derivatives (Stocks, Options, Forex Commodities, Futures, etc)

In a nutshell, you run a business to Generate Cash Flow and you invest to
Compound the Cash. If you run a business only, you find that your cash
does not grow fast enough. If you invest only, you find that your returns are
too low to let you feel excited.

This completes the structure of achieving Financial Freedom (and Wealth
Creation) …. ground-up!


In the “Smart About My Money” Coaching Program, we explore
2 types of business and investing tools and pick one from each
category to move you towards your Financial Freedom.
Click here to find out more about the coaching program

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Where Do I Go From Here…
Did you enjoy The Smart Money Formula?
I bet you did... and you’re probably wondering… “Where do I go from here?”
Well, The Smart Money Formula is just the start.

In the following pages, you’ll find resources that are more focused on
assisting you to implement The Smart Money Formula. Feel free to check
them out and get them if you need specific help on that area of your life.

I’d also highly recommend you use complementary subliminal affirmations
software like Mind Movies 3.0 for maximum effect. However, that’s entirely
optional… Get it only if you want to speed up the manifestation process.

If you need support or clarification, please do not hesitate to contact me.

Remember that ACTION is the bridge between the inner world of
“THOUGHTS and FEELINGS” and the outer world of “RESULTS”. So don’t
just read this eBook but DO NOTHING else at all… because NOTHING’s
likely to happen…
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com



In “The Slight Edge” by Jeff Olson, he states,
Why do some people have an abundance of money, while others don’t?
It is because of the Slight Edge. They do all of these seemingly insignificant things well and
regularly. They make the right decisions every day – the ones that seem insignificant. All
of these decisions compound to give them the massive result, over time.
Only 5% of people achieve their goals and live the life they want to lead.
These decisions are easy to do, but they are also EASY NOT TO DO. They are easy not to do
because there is no consequence TODAY if you do not do them, e.g. eat a piece of fruit, go
for a walk. This is the trap that people fall into.
So, although what I have shown you may appear simple and easy to do, it is
only through doing these simple tasks that will give you the results that you
want (just like how it happened for me).
Personally I’ve invested over $50,000 on personal development seminars
and products, read 100+ books on relevant topics related to my business
and used that knowledge, hand in hand with The Smart Money Formula I’ve
given you to design my life.
You don’t necessarily have to follow in my footsteps but do remember that
continual investment in your education, whether in the area of learning
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


how to better use the law of attraction to your favour or specific
business/life skills is going to pay off handsomely in the long run.
With that, I’ll leave you to explore the resources on the following pages…
Hope you enjoyed this eBook & may the universe bring you everything you
desire!

*** Join our buzzing Facebook community at
http://smartaboutmymoney.com/ebook/facebook
*** If you haven’t already done so, sign up for my FREE Personal
Development Email Newsletter to receive tips on how to use The Smart
Money Formula more effectively plus regular inspirational updates to help
you lead a richer life: http://TheSmartMoneyFormula.com

*** Tell 2 friends about The Smart Money
Formula & receive “Think and Grow Rich”
and “The Science of Getting Rich” eBooks
FREE
http://SmartAboutMyMoney.com/share

To Your Success,
QUEK Kai-Hock
Founder and Master Money Coach,
http://SmartAboutMyMoney.com (Personal Development Blog)
http://SmartAboutMyMoney.com/facebook (Official Facebook Community)
http://TheSmartMoneyFormula.com
T Harv Eker’s Lead Coach (Asia)
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Resources
Mind Training is very important because your MIND is often the one
thing that ALWAYS takes you “out of the game”.
Recommended Money Mind Training / Law of Attraction

Mind Secrets Exposed 2.0 – Understand the astonishing life-changing
secrets of the most successful... happiest... and richest people in the world
@ http://SmartAboutMyMoney.com/MindSecrets




Quantum Success Secrets – Watch
this controversial life-changing
video now and use this link to get a
10-day trial to the full Quantum
Success Secrets System for only $1
@ http://SmartAboutMyMoney.com/Quantum
BONUS FREE GIFT
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com



Mind Movies 3.0 - Ready to Naturally Attract the Love, Happiness & Success
You Desire?
@ http://SmartAboutMyMoney.com/MindMovies

FREE Abundance Training: How to Attract more Love, Happiness, Success
and Freedom into your life
@ http://SmartAboutMyMoney.com/MindTraining




Subliminal MP3s - Download 3
Subliminal Albums (worth $44.91) +
exclusive eBook “"The Truth About
Subliminal Messaging"” completely
FREE using this link
@ http://SmartAboutMyMoney.com/Subliminal
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Internet Marketing (IM) provides an opportunity to work part-time
from home make a full-time income. But finding credibile IM Training
is important.
Recommended Internet Marketing Training

Chris Farrell Membership – Voted No.1 Internet Coaching Program
2011/2012/2013 that provides a proven step-by-step system for building
your very own web business
@ http://SmartAboutMyMoney.com/ChrisFarrell


Work From No Home – This is a complete A-Z
marketing course consisting of a PDF guide and
multiple videos. It very simply maps out all the
steps to take – from website creation to simple
but effective traffic generation strategies to rank
well with the search engines and how to convert
traffic into sales.
@ http://SmartAboutMyMoney.com/WorkFromNoHome
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Always feeling tired? You can’t make money unless you have ENERGY.
This is because you need ENERGY to attract more MONEY into your life!
Recommended Energy-Booster Training


Ultimate Energy Diet – Take this 2-minute test to find out what's draining
your energy levels and discover how to reverse it so you can enjoy all-day
vitality at this link.
@ http://SmartAboutMyMoney.com/EnergyDiet




The Truth About Fat Burning Foods
- 3 Simple Steps That Transform
Your Kitchen From Fat STORING Foods To Fat BURNING Foods In LESS
Than 24 Hours...
@ http://SmartAboutMyMoney.com/FatBurning
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Kai Hock’s Resources
Personal Financial Statement – You MUST complete this step to
demonstrate that you are really serious about being Financially Free.
The Optimist Creed – modified from Christian D. Larson – read this one-
page creed, daily and aloud over one year and see your life transform
naturally.

Recommended Seminars

Millionaire Mind Intensive – T Harv Eker - Over 1 Million lives have been
changed by this system (including mine) and the Millionaire Mind Intensive
is going to show you exactly how to put it into action. Tickets prices ranges
from $FREE - $197, depending on the hosting country. Check out if you
have a local MMI in your country
@ http://SmartAboutMyMoney.com/mmi



© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Recommended Books
The Cashflow Quadrant – Robert Kiyosaki
Rich Dad, Poor Dad – Robert Kiyosaki
The Slight Edge – Jeff Olson
Secrets of the Millionaire Mind – T Harv Eker

Think & Grow Rich – Napolean Hill
Science of Getting Rich – Wallace D Wattles



Tell your friends about The Smart Money
Formula & receive “Think and Grow Rich” and
“The Science of Getting Rich” eBooks FREE
http://SmartAboutMyMoney.com/share
© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


Join the “Smart About My Money” Facebook Community


I founded the Smart About My Money facebook community with the vision
that each family has a member who is trained in Money and know exactly
how to move his family into a better financial future and enjoying more of
life. I call these people Money Champions.
I started to see how the world changes when each family is financially
secure and take charge of their money.
I started to see the world having more happy people, more confident
people and more growth in economy.
I see the world making a big leap into greater heights because people can
take charge of their money.
My quantum goal/vision is to hit 10,000 fans by the end of 2014 because
that would mean we would be making a positive difference to 100,000 –
1 million lives every week!

© 2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.com


This is a personal invitation from me to you to join us in our mission to
bring more abundance to the world. On this empowering facebook
community, you’ll find powerful quotes and Money tips that will serve to
uplift, motivate and inspire you daily.
Join the Smart About My Money facebook community here (Just click ‘Like’
to join… It’s completely FREE):
http://SmartAboutMyMoney.com/facebook

If any of the affirmations and/or quotes resonates with you, I ask that you
use the “SHARE” function on Facebook to share with them on your
personal Facebook wall so that your friends, family and loved ones will
benefit from all the positive energy too. This will also enable our
community to GROW… and get us closer to the 10,000 fans goal!
Thank you for being part of this abundance movement… I’d like to leave
you with one a quote from Dalai Lama XIV:
“Share your knowledge. It is a way to achieve immortality.”

I look forward to connecting with you more through my newsletter and the
Facebook community… Talk to you soon…

To Your Success,
QUEK Kai-Hock (Just call me Kai Hock!)
Founder and Master Money Coach,
http://SmartAboutMyMoney.com
http://TheSmartMoneyFormula.com
T Harv Eker’s Lead Coach (Asia)