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The Smart Money FormulaTo Help You Have More Time and Money To Do What You Want To Do!QUEK tMoneyFormula.comT Harv Eker’s Lead Coach (Asia)Sign up for my FREE Money Education Email Newsletter to receive tips on how to use“The Smart Money Formula” more effectively as well as regular inspirational updates tohelp you lead a more successful financial life!

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comThe Smart Money FormulaQUEK tMoneyFormula.comT Harv Eker’s Lead Coach (Asia)LEGAL NOTICEBecause my mission in life is to teach as many people as possibleto take charge of their finances, I’m granting you the rights to giveaway this special eBook (worth US 67) to anyone you see fit, aslong 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 ofthis eBook, notwithstanding the fact that he does not warrant or represent at any timethat 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 contraryinterpretation 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 incomemade/results. Readers are cautioned to rely on their own judgment about theirindividual circumstances and act accordingly.This eBook is for informational purposes only and is not intended for use as a source oflegal, business, accounting or financial advice. All readers are advised to seek services ofcompetent 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.comIntroductionHi, my name is QUEK Kai-Hock, founder of personal development bloghttp://SmartAboutMyMoney.com and author of “The Smart MoneyFormula” eBook (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 multipleawards as a top income earner in my categorySpeaker and Master Money Coach for “Smart About My Money”programLead Coach (Asia) for T Harv Eker’s “Life Makeover Coaching” and“Reasons Or Results Coaching” programsFounder of “TheFinancialFreedomFormula.com”End-of-Day Technical Analysis Stock Trader

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comAnd in my personal life, I am living a dream lifestyle that many peoplewould love to have. I get to do my morning exercises, bring my kids toschool, 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 impressupon you that having multiple streams of income andachieving Financial Freedom is possible.So, I’d like to congratulate you for downloading The Optimist Creed. Younow have before you an amazing, powerful resource for your financialtransformation as part of The Smart Money Formula.

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comHere is what some of my clients say about my coaching:

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comHere is what some of my clients say about my coaching:

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comHere is what some of my clients say about my coaching:

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comHere is what some of my clients say about my coaching:

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, atement

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comA Personal Financial StatementIncomeExpensesAssetsLiabilities

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comPersonal Income (Cash In)CategoryDescriptionAmountJ.O.B.Take-HomeCPF (self-contribution)CPF (employer’s contribution)Business(less expenses)Real Estate(less expenses)StocksOthersTOTAL:Type

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comPersonal Expenses Part 1 (Cash Out)CategoryDescriptionPersonalPersonal Income TaxPersonal AllowancePersonal InsurancePersonal HealthPersonal GroomingPersonal FunSpouseSpouse Income TaxSpouse AllowanceSpouse InsuranceSpouse HealthSpouse GroomingSpouse FunChildChild AllowanceChild InsuranceChild HealthChild GroomingChild FunSchool FeesChild Care FeesEnrichment Class FeesParentParent AllowanceParent InsuranceParent HealthPetPet MaintenancePet HealthAmountTOTAL:Type

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comPersonal Expenses Part 2 (Cash Out)CategoryDescriptionHomeProperty TaxHome LoanHome RentalHome InsuranceHelperHome NecessitiesUtilityHouse (Elect/Water/Gas)MobileLandlineInternetCable TVCable TVTaxiMRT / BusPublic TransportPrivate TransportRoad TaxCar LoanCar InsuranceCar MaintenanceCar PetrolCar Season ParkingCar Ad-hoc FeesCharity / minarsCoachingDebtsPersonal Bank LoanCredit Card DebtsSchool LoanAmountTOTAL:Type

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comPersonal Expenses Part 3 (Cash Out)CategoryDescriptionAmountTOTAL:Type

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comPersonal Asset (What You Own)CategoryDescriptionCash & LiquidAssetsBank Acct 1:Bank Acct 2:Bank Acct 3:AmountFixed DepositMoney Owed To YouPaypal (username: xxxxxxxxx)Marketable AssetsUnit TrustStocksReal Estate InvestmentsBusiness InvestmentsCollectibles (art, stamps, coins, jewelry)Long-Term AssetsCPF – OrdinaryCPF – SpecialCPF – MedisaveCPF – RetirementCash Value of Life InsurancePensionsPersonal Assets(when you sell it)Personal ResidenceVehiclesHousehold Furnishing & EquipmentTOTAL:Type

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comPersonal Liabilities (What You Owe)CategoryDescriptionLong Term DebtHome MortgageCar MortgagePersonal Bank LoanSchool LoanShort Term DebtCredit Cards LoanMoney Owned to OthersAmountTOTAL:Type

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comYour Personal Financial StatementCashflow Net Worth Freedom % Freedom Date

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comResourcesMind Training is very important because your MIND is often the onething that ALWAYS takes you “out of the game”.Recommended Money Mind Training / Law of AttractionBONUS FREE GIFTMind Secrets Exposed 2.0 – Understand the astonishing life-changingsecrets of the most successful. happiest. and richest people in the world@ http://SmartAboutMyMoney.com/MindSecretsQuantum Success Secrets – Watchthis controversial life-changingvideo now and use this link to get a10-day trial to the full QuantumSuccess Secrets System for only 1@ http://SmartAboutMyMoney.com/Quantum

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comMind Movies 3.0 - Ready to Naturally Attract the Love, Happiness & SuccessYou Desire?@ http://SmartAboutMyMoney.com/MindMoviesFREE Abundance Training: How to Attract more Love, Happiness, Successand Freedom into your life@ l MP3s - Download 3Subliminal Albums (worth 44.91) exclusive eBook “"The Truth AboutSubliminal Messaging"” completelyFREE using this link@ http://SmartAboutMyMoney.com/Subliminal

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comInternet Marketing (IM) provides an opportunity to work part-timefrom home make a full-time income. But finding credibile IM Trainingis important.Recommended Internet Marketing TrainingChris Farrell Membership – Voted No.1 Internet Coaching Program2011/2012/2013 that provides a proven step-by-step system for buildingyour very own web business@ http://SmartAboutMyMoney.com/ChrisFarrellWork From No Home – This is a complete A-Zmarketing course consisting of a PDF guide andmultiple videos. It very simply maps out all thesteps to take – from website creation to simplebut effective traffic generation strategies to rankwell with the search engines and how to converttraffic into sales.@ http://SmartAboutMyMoney.com/WorkFromNoHome

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comAlways 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 TrainingUltimate Energy Diet – Take this 2-minute test to find out what's drainingyour energy levels and discover how to reverse it so you can enjoy all-dayvitality at this link.@ http://SmartAboutMyMoney.com/EnergyDietThe Truth About Fat Burning Foods- 3 Simple Steps That TransformYour Kitchen From Fat STORING Foods To Fat BURNING Foods In LESSThan 24 Hours.@ http://SmartAboutMyMoney.com/FatBurning

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comKai Hock’s ResourcesPersonal Financial Statement – You MUST complete this step todemonstrate that you are really serious about being Financially Free.The Optimist Creed – modified from Christian D. Larson – read this onepage creed, daily and aloud over one year and see your life transformnaturally.Recommended SeminarsMillionaire Mind Intensive – T Harv Eker - Over 1 Million lives have beenchanged by this system (including mine) and the Millionaire Mind Intensiveis going to show you exactly how to put it into action. Tickets prices rangesfrom FREE - 197, depending on the hosting country. Check out if youhave a local MMI in your country@ http://SmartAboutMyMoney.com/mmi

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comRecommended BooksThe Cashflow Quadrant – Robert KiyosakiRich Dad, Poor Dad – Robert KiyosakiThe Slight Edge – Jeff OlsonSecrets of the Millionaire Mind – T Harv EkerThink & Grow Rich – Napolean HillScience of Getting Rich – Wallace D WattlesTell your friends about The Smart MoneyFormula & receive “Think and Grow Rich” and“The Science of Getting Rich” eBooks FREEhttp://SmartAboutMyMoney.com/share

2011 – 2013 QUEK Kai-Hock, Founder & Master Money Coach, http://TheSmartMoneyFormula.comJoin the “Smart About My Money” Facebook CommunityI founded the Smart About My Money facebook community with the visionthat each family has a member who is trained in Money and know exactlyhow to move his family into a better financial future and enjoying more oflife. I call these people Money Champions.I started to see how the world changes when each family is financiallysecure and take charge of their money.I started to see the world having more happy people, more confidentpeople and more growth in economy.I see the world making a big leap into greater heights because people cantake charge of their money.My quantum goal/vision is to hit 10,000 fans by the end of 2014 becausethat would mean we would be making a positive difference to 100,000 –1 million lives every week!