Financial Education

ho, hat, hen, hy and ow ( W4 & H)

1) What do you look for...?
2) What have you found...?
3) How do you propose...?
4) What has been your experience...?
5) How have you successfully used...?
6) Why is that a deciding factor...?
7) What makes you choose...?
8) What do you like about...?
9) Are there other factors...?
10) What does your competitor do about...?

"'m just sitting here waiting for someone to come along who wants to see me" or "'m about to start"
The key to overcoming objection lies in....

Your knowledge is selling skills
Your knowledge of the product
your knowledge of your prospect
The relationship you have built with your prospect
Your creativity
Your attitude
Your sincere desire to help your prospect
Your persistence (as it professionally)

"f were able to show you the how great am, would that be enough for you to make a decision?"
"Why don't you try to read it for a day, and if you don't like it, let me know, and you won't have to pay for
it.

"Give me a chance to satisfy your needs and if you find that 'm good at it, then you have the option to
continue it."
SociaI entrepreneur
A social entrepreneur is motivated by a desire to help, improve and transform social, environmental,
educational and economic conditions. Key traits and characteristics of highly effective social
entrepreneurs include ambition and a lack of acceptance of the status quo or accepting the world "as it
is". The social entrepreneur is driven by an emotional desire to address some of the big social and
economic conditions in the world, for example, poverty and educational deprivation, rather than by the
desire for profit. Social entrepreneurs seek to develop innovative solutions to global problems that can be
copied by others to enact change.
Social entrepreneurs act within a market aiming to create social value through the improvement of goods
and services offered to the community. Their main aim is to help offer a better service improving the
community as a whole and are predominately run as non profit schemes. Zahra et al. (2009: 519) said
that "social entrepreneurs make significant and diverse contributions to their communities and societies,
adopting business models to offer creative solutions to complex and persistent social problems.

SeriaI entrepreneur
A serial entrepreneur is one who continuously comes up with new ideas and starts new businesses. n
the media, the serial entrepreneur is represented as possessing a higher propensity for risk, innovation
and achievement. Serial entrepreneurs are more likely to experience repeated entrepreneurial success.
They are more likely to take risks and recover from business failure.

LifestyIe entrepreneur
A lifestyle entrepreneur places passion before profit when launching a business in order to combine
personal interests and talent with the ability to earn a living. Many entrepreneurs may be primarily
motivated by the intention to make their business profitable in order to sell to shareholders. n contrast, a
lifestyle entrepreneur intentionally chooses a business model intended to develop and grow their
business in order to make a long-term, sustainable and viable living working in a field where they have a
particular interest, passion, talent, knowledge or high degree of expertise. A lifestyle entrepreneur may
decide to become self-employed in order to achieve greater personal freedom, more family time and
more time working on projects or business goals that inspire them. A lifestyle entrepreneur may combine
a hobby with a profession or they may specifically decide not to expand their business in order to remain
in control of their venture. Common goals held by the lifestyle entrepreneur include earning a living doing
something that they love, earning a living in a way that facilitates self-employment, achieving a good
work/life balance and owning a business without shareholders. Many lifestyle entrepreneurs are very
dedicated to their business and may work within the creative industries or tourism industry, where a
passion before profit approach to entrepreneurship often prevails. While many entrepreneurs may launch
their business with a clear exit strategy, a lifestyle entrepreneur may deliberately and consciously choose
to keep their venture fully within their own control. Lifestyle entrepreneurship is becoming increasing
popular as technology provides small business owners with the digital platforms needed to reach a large
global market. Younger lifestyle entrepreneurs, typically those between 25 and 40 years old, are
sometimes referred to as Treps.


We all unconsciously create our own "ndividual map of reality" and although it is very real to us it is not in
fact reality, only the reality that we perceive ourselves and it to be.
Maps Of Reality

The brain operates by providing an environment where sequences of activity become recognized as
patterns. f the brain were not a pattern making system, we would be unable to read or write. t would take
so much time to work out many of the things we automatically do on a daily basis: e.g. which item of
clothing to put on first each morning. The brain records everything we ever experience, creating patterns
very easily and it can then recognize them instantaneously. %is is ow belief systems are created.

As dward de Bono stated "A belief is a perceptual framework which leads us to see the world in a way
that reinforces that framework. The circularity is a very natural function of a self-organizing patterning
system, so beliefs are very easy to form. n a sense "belief is the truth of a perceptual system. When you
burn your finger at a fire only once in a lifetime, you are operating a belief system. Your fear of fire is not
built up by induction based on repeated experience. Your initial trauma creates a belief that prevents you
from ever contradicting that belief, so the circularity is established.
en we are young we create our map of reaIity to feeI safe. Children from every family have to a
degree, a lack of safety.
magine a child who is in an unhappy family situation from which he cannot escape. n order to feel safe
he may decide "f hide, 'll be safe and won't get into trouble." At that point in his life this may well be a
helpful map of reality to him. However if he continues to use it when he grows up that same map of reality
could be extremely debilitating in his life.
f you accept that "te map is not te territory", then you'll realize that your beliefs do not always reflect
reality correctly.
%e following story I was told some years ago will elp you to understand more clearly.
A young newly married couple, Susan and John were preparing together a dinner party for family and
friends. John was preparing an assortment of vegetables while Susan was preparing a delicious ham.

As Susan cut off both ends of the ham and through them in the bin, John asked her why she did this
because he thought it was a shame to waste so much good meat.

Susan told John that her mother taught her to cook it that way and it always tasted delicious. John was
experienced at cooking and couldn't understand how cutting the ends off the ham could make it taste
better and so when Susan's mom arrived he asked her the same question. Susan's mom replied
" really don't know, 've never thought about it. -- my mother always cooked it that way and it always
tastes delicious.
All the guests were seated and the table was filled with an assortment of delicious food. The evening was
a great success and everyone commented on how delicious the ham was. John was seated next to
Susan's grandmother and couldn't resist asking the question "Martha, why does cutting the ends of the
ham off make it cook better?
The old lady answered, "Oh it doesn't John.
A little puzzled he asked "then why did you always cut them off?
Martha answered, " always trimmed the ends off the ham so it would fit into my oven tray!"


And so it is wit so many of our beIiefs.
We go through life believing and doing so many things that seem right to us, but in fact they are not right
at all, yet we will stick to our own reality come what may.
en we reaIize ow we can cange and improve our map of reaIity troug meditation, we can
improve te quaIity of our Iives, our experiences, our reIationsips, our weIIbeing and our
success.

got a feedback from one of my colleague at work that Businessmen are greedy and
opportunist. Tey ave no concern to oter peopIe and tey aIways taIk about ow to gain weaIt
rater tan eIp oters". I ten started to wonder on wat is reaIIy te tinking of Ric peopIe and
Entrepreneurs.

When met my mentor and joined the Business the community, learned what the importance of creating
value to other people is. My mentor told me that "Entrepreneur adds vaIue in te society."



Te community creates vaIue by making peopIe reaIize teir dreams and goaIs in Iife
remember when was in the process being a core team one of the task is to write down my 101 reason
of why want to join the core team, it made me realize that need to specifically write my goals. am vey
happy to learn what my priority is, what dreams to pursue and had clarity in my mind. know now the
purpose of my life and one of it is my desire goal is to be an Entrepreneur.

Te Community creates vaIue by educating tem about FinanciaI Education
The mission of the community is to spread financial education through our Life Entrepreneurship
Program, Wealth Course and Cashflow Game. This is to increase Financial ntelligence of people and for
people who want to learn to start a business. The workshops that we offer build the right mindset about
money, wealth the especially business. t promotes the responsibility to effectively manage money and
business.

Te Community creates vaIue by giving te person a cance to reaIize is/er fuII potentiaI
As my friend said "Every people have potential they did not see it or realize it. n the Community we
make people realize they potential to grow and to learn new things and make them the person they want
to be in life. We also engage people to action through the different tasks given each module so they can
discover their potential to create results.


One night while am doing my productivity to my business came across this word "success is not a
destination not pIace were you arrive one day. And weter you succeed comes from wat you
do day to day. In oter words, success is a process." remember when am starting to become
entrepreneur and mentor told me the aspects of success of people.


Here are the lessons learn to my mentor
Knowing your purpose in Iife
Most people fail to their lives because they did not identify their purpose in life they did not write their
dreams until it's to late. There is no hope for success people who have no
goals in life as Henry Kaiser "Te evidence is overweIming tat you cannot begin to acieve your
best unIess you set some aim in Iife." f you don't try actively to discover your purpose, you're likely to
spend your life doing the wrong things.

Growing to reac your potentiaI
believe the saying "If education is expensive try ignorance" Most people don't want to stretch to the
next level. Because they are staying to their comfort zone rather to step out to learn more gain more.
Many people let everyone around them decide their agenda in life. Tey become jack of aII trades,
master of none rater tan a jack of few trades on one. Grow yourself to reach your potential.

Sowing seeds to benefits to oters
People mistake the meaning of success having, wealth, money, prestige and they got everything. As my
mentor told me one thing learn becoming entrepreneur is to "Add vaIue to peopIe Iives" As said by
Albert Scheitzer "Te purpose of uman Iife is to serve, and to sow compassion and te wiII to
eIp oters."

Take Action
The most important aspect in success to take action what you learn because action creates
results. As said my friend said "KnowIedge wit no proper appIication is so caIIed fooIisness" So
you need to take action to acieve it.
n the community we learn this aspect to achieve our mission and personal growth. Because we believe
we can achieve it. As a group we learn by doing to achieve results.

One day my mentor discussed about priority and time. He asked me to rate the priorities below from 1-3
(1 is the highest).

To get rich, To get secure, To get comfortable

After a couple minutes of thinking about the given items wrote my priorities below:

1. To get secured
2. To get comfortable
3. To get rich


After that conversation quickly bought book, read it and learn about it. After couple of days and my
mentor met again, he said what is now your priority in life? So wrote it down in a piece of paper.

My mentor smiled at me and that is one of the lessons learned from him. Most people will find security
first rather than to get rich because what they are after are short term goals, they want to make sure that
they survive everyday living and expenses. They don't know that once they become rich they also get to
have a comfortable and secured life.



f you really want to have financial breakthrough you need to set priorities, you need to get rich first, to
have the money and time freedom to get the lifestyle that you desire. Also it's important that you gain
financial freedom, you'll have more time and if you have many opportunities you can choose from.

n the community we prioritize the growth of a person to become a World Class Business Leader. As what
my mentor told me, "Growth first and money will follow. Being an Entrepreneur is not all about
making money I make sure that I add value to other people.
'You don't have to love opportunity, you just have to learn to appreciate opportunity and
appreciate the person who brought you the good news; that Iound you. Jim Rohn


They are lucky for saying yes to an invitation such as this considering that not all people are
business minded. told them that they don't have to love the opportunity given instead they
need to look forward what's behind the opportunity. They will never know what's in store for
them until they say YES and experience it.
I beIieve tat saying Yes to an Opportunity:
1. Can definitely lead to an open door or enlightenment. t can be the missing link that you've
been looking for. t can be a realization or a discovery of
oneself to growth or success.


2. AIso saying YES may mean a Iot Iike granting a favor. You get to help a person or a friend
to finish a requirement or a task given to them. You become a solution to their problem.

3. And at te same time you're doing yourseIf a favor. You give yourself a chance to see a
different world aside from the world of employment. You expose yourself to what is really
essential. You discover ways on how to achieve what really matters to you.

I beIieve tat endIess benefits await a person wo doesn't just grab opportunities but to
tose wo went out of teir comfort zone and took action. This also goes to people who
didn't just try but I it and finished what they've started.

Starting today we just say YES to every opportunity that comes our way. e may not see ow
big it is in te beginning but te rewards can be vaIuabIe.

'You might not like the stone you are on right now, but it's sure to be one oI the stones that lead
to great opportunities in the Iuture. Jim Rohn