Andrea Chua Ai Chia

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 15 Golden
Prosperity
Principles
Andrea Chua Ai Chia
www.andreachuaaichia.com

Legal Notice: As my mission is to create a positive difference in the lives

of as many people as possible, I allow my free eBook (worth $37) to be
given out for free, to anyone who needs it, provided that the content
remains unchanged.

Disclaimer:
All content included in this eBook is for informational purposes and not
to be used for legal, business, accounting and financial advice. All
readers are advised to seek the services of competent professionals in
legal, business, accounting and financial fields.

Like any other books, there is no guarantee that the information

mentioned in this eBook will yield results. Much effort has been made to
verify the accuracy of the content.

The author and publisher shall have neither liability nor responsibility
to any person or entity with respect to any loss or damage caused or
alleged to be caused directly or indirectly by this eBook.

Any perceived slights of specific persons, people or organizations are

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Acknowledgements
My parents, Chua Yau Lam and Yap Sui Moey, thank you for showering
me with unconditional love, guidance and support!

My elder brother, Adrian Chua Leong Aik

and my younger sister, Arissa Chua Ai Ting who grew up together with
me and bring happiness into my life.

My former employer for 5 years, Mdm Jasmine Tan, thank you for your
patience in assisting me and giving me many opportunities to acquire
various skills.

My former supervisors, Ms Lee Jun Chien and Ms Yau Geok May, thank
you for guiding me to overcome challenges and teaching me methods to
handle children.

My mentors and teachers, thank you for all the knowledge you have
imparted and helping me progress in life.

My readers (including YOU), thank you for downloading this eBook! I

really hope that you can empower yourselves with the powerful
principles and achieve what you want in life!
Table of Contents

Introduction
Take Responsibility
Live Below Your Means
Be Positive
Dream BIG
Believe in Your Abilities
Keep Taking Action
Persevere
Focus
Leverage on the Expertise of Mentors
Take the Path Less Travelled If You Need to
Continue Learning
Give Wholeheartedly
Express Gratitude
Spend More Time With Positive People
Love Yourself
Resources
Introduction
Hi, my name is Andrea Chua Ai Chia, Founder and Optimal Joy Coach of
andreachuaaichia.com and author of the eBook entitled
15 Golden Prosperity Principles.
Firstly, I would like to congratulate YOU for downloading this eBook!

Let me share with you my background.

I am from Kuala Lumpur, Malaysia and studied in a primary and

secondary school in Malaysia before pursuing an Economics degree in
Singapore. Having been in Singapore for 10 years, I am currently a
private tutor, teaching English, Mathematics and Mandarin in Singapore.
After being a part-time tutor for 4 years, from January 2014 onwards, I
decided to tutor full-time. Besides teaching, my passion includes
investing and internet marketing.

When I was in secondary school, my father was retrenched and changed

many jobs. Eventually, my mother became the breadwinner of my
family, selling skincare products to support 3 children: my elder
brother, my younger sister and me. We live frugally and studied very
hard. Currently, my brother is a doctor and my sister is pursuing a
medical degree. I was not one of the top students and chose the
Business and Arts stream. But now, I believe everyone has their unique
paths to success and it does not matter where we start as long as we
take steps towards our goals.

After my secondary school in Malaysia, I was a relief teacher at my

former primary school for about 5 months. When I started teaching, I
encountered many setbacks, particularly managing a class of 40 primary
school students without any experience. Students ran about in class and
it was a common occurrence hearing much noise in class. It was a
demoralizing moment seeing the vice principal enter the classroom
where I was teaching and transformed the class into total silence
within a minute. I remembered vividly writing in my diary, I will never
be a teacher again.
During my second year of study at university in Singapore, I was
introduced to network marketing (or multi-level marketing). I was very
impressed at first, as I have never heard of a way to start a business
with so little money. Before that, I thought that one needed a huge
amount of capital to start a business and also had the impression that it
was risky. After signing up, I tried talking to people in order to get them
to sign up or promote the products, but it was not long before I knew I
did not enjoy doing so. Unexpectedly, the valuable takeaway for me is, I
became interested in reading self-improvement books like Rich Dad
Poor Dad: Guide to Investing, The Magic of Thinking Big, How to Win
Friends and Influence People, One Up on Wall Street, Think and Grow
Rich etc. This is valuable as the books trained me to have the correct
mindset and how to become like successful people.

After graduation, I tried sending resumes to banks but I was not hired.
So, I became a student care teacher where I took care of primary school
children after their school dismissal until their parents fetched them
from the centre. Even though I earned less than my peers who were
university graduates, I worked very hard. I also tried applying to the
Ministry of Education twice to be a school teacher, but I did not pass the
two interviews. Mainly to supplement my income, I started being a part-
time tutor at night.

About a year after I started my first job, I came across a value investing
course. I do not like trading on a daily basis. To hear that there is
actually a way to invest long-term earning an average of 20%
compounded returns per year really made me excited. I registered and
even though I still had about a S$20,000 study loan to settle, I was very
curious that there is actually a method to invest like Warren Buffett and
I paid the course by installments. This was the start of my investing
journey. However, I lost about S$1000 investing in the company whose
business I did not understand well. I reflected on this, took precautions,
sought for more knowledge and changed my strategy. Thankfully, the
money was made back and my returns now is able to cover the course
fee. I also finished paying my study loan and I am debt-free. I learnt the
importance of having mentors and the right knowledge as well as
overcoming obstacles.
As years passed, I was promoted to become the supervisor of the
student care centre. At first, I doubted my abilities, thinking about my
past experience and how to manage teachers older than me. However, I
took up the challenge and learnt the strategies for teaching, handling
and motivating students and became familiar with the primary school
syllabus in Singapore.

There are quite few full-time tutors in Singapore compared to part-time

tutors. From my experience as a part-time tutor, I know that tuition
agents could help me find tuition assignments faster. Despite the
competition in the industry, I believe in my abilities as I like teaching.
I started off with 3 students and within 4 months, I have 20 students.

After becoming a full-time tutor, my monthly income increased more

than 50% and I had a more flexible schedule. As I only focus on teaching
and not other administrative work, I tend to come up with more
creative ideas to teach and motivate students. I can go back to Malaysia
to visit my parents more often and also had more time to learn about
investing and internet marketing. I also started receiving testimonials
from parents which motivated me and made me feel appreciated
I enjoy teaching. I like inspiring students and helping them obtain good
results.

Then I realized something...

How come for many people life after graduation is just work and work
and work, and yet still not being able to afford a car or a
flat/ condominium/house? Why is it not easy to retire being financially
comfortable here? People study so hard here to get a job and yet I
always hear people getting laid off by companies.

When I go to students places to teach, my students are usually taken

cared by their familys domestic helper as many parents work long
hours. Maybe the time spent with the domestic helper is more than that
spent with their parents.
When I see how hard some elderly people work, my heart goes out to
them

On the other hand, I got to know many successful people during

seminars, and saw that some people who are younger than me are able
to exit the rat race

I really wanted to know the difference. Why do 20% of the people earn
80% of the income in the world? Why some people earn money so easily
but some people toil from morning to night and yet have difficulty
getting by?

I thought about what I wanted and finally knew it

I want to be financially-free, especially to spend as much quality time as

possible with my family, particularly my parents. I want to be a
philanthropist (I told my parents that too), do more to help others (not
just my students), improve peoples lives financially, create more value
to the society and bring happiness to more people in the world.
I often search for ways to generate multiple streams of passive income. I
attended my first internet marketing course in 2011. After attending the
course, I encountered difficulties, especially the technical part. There
was much information given on the various ways to do internet
marketing but I felt lost and did not make a single cent.

I took another internet marketing course. This time, I really took

massive action and I knew it is something doable. Despite the setbacks, I
learnt the importance of having a good mentor and strong support from
a team of optimistic and helpful people.

During my free time, I enjoy sharing inspirational Facebook posts, as I

always think of ways to motivate myself as well as others and to bring
joy to people around me. I notice that when we fill our minds with
positive thoughts, they get stronger than the negative ones, and soon,
we stop complaining in our lives.

Personally, I apply the golden prosperity principles mentioned in this

book and remind myself of them to constantly help me move closer and
closer towards my goals and be happier.

I truly hope that after reading and applying the golden prosperity
principles in this book, you can reap greater financial rewards, more
success and more happiness in your lives!
 Golden Prosperity Principle #1
Take Responsibility
I am too busy.
I have no money to invest.
He is lucky.
She is from a rich family.
I am not tech-savvy.
He is successful because...
The economy is not good.
Sound familiar?

If we blame others but ourselves, we are unlikely to take action to

improve our lives. If we take responsibility, instead of saying why we
cant get things done, ask, How can I be better? and find out what and
how we can change.

I look up to Nick Vujicic as my role model. He was born with no limbs

and yet can inspire people around the world being a motivational
speaker and having a happy family. Another person whom I admire
tremendously is Helen Keller. She was blind and deaf and yet managed
to graduate from college.

I tell myself, I have hands and legs. I can hear and see. What is stopping
me?

Define your goal. What do you want to improve in your life? By when do
you want to achieve it? Why do you want to achieve it?

You cannot control what happens to you, but you can control your
attitude toward what happens to you, and in that, you will be mastering
change rather than allowing it to master you. - Brian Tracy

In life, we can choose to be a victim or not. If we believe that we can

change our circumstances, it will become our reality.
 Golden Prosperity Principle #2
Live Below Your Means
Do you want
a) to buy things without looking at the price tag?
b) to be able to afford your dream car, dream house or dream
vacation?
c) to spend lots of quality time with your family or friends?
d) to be debt-free or retire comfortably?
e) to work because you want to and not because you need to?

Most people have at least one of these financial goals.

Many people say How nice if but do they do what they should do to
attain their financial goals?

If you want to improve your financial situation or accomplish your

financial goals like buying a house or car, you need to be frugal and do
your best to reduce your expenses. Enjoy the lifestyle you want only
when you can afford it.

These are some ways to improve your finances:

1. Pay your credit card bills in full. Do not just pay the minimum
sum. If not, the interest charged on the balance can be up to
around 24% per annum.
2. Buy things only if you can afford. We can choose to buy a property
at $500,000 or $1,000,000 or a cup of coffee which costs $4.50 or
$1.50.
3. Aim to save at least 20% of your income each month.
4. Keep at least 3 months income or 6 months expenses before
investing. This way, it will not be too risky and you can invest with
a peace of mind and make rational decisions. Do your research
before investing too.
5. Record your expenses. This way, you will be more cautious when
spending money and will not spend so easily on things that are
not necessary.
6. Have an insurance plan for contingency purposes and to prevent
the loss of income.
 Golden Prosperity Principle #3
Be Positive
We can complain because rose bushes have thorns, or rejoice because
thorn bushes have roses. - Abraham Lincoln

We can look at a cup and say that the cup is half full or half empty.
There is a proverbial phrase that I like, When life gives you lemons,
make lemonade. No matter how our life is like, we can find things we
have that others dont and can think of people whose dreams are
manifested despite the hardships they face.

Every day, many thoughts run through our minds, positive and negative.
You may be thinking, How do we remain positive in a world where
there is much negativity?

We can listen to motivational songs, watch comedies, repeat

inspirational quotes to ourselves daily and read self-improvement
books.

While attending a program, I learnt this powerful concept from my

mentor. There are two people, one optimistic and another pessimistic.
Each of them set a goal and waited for the day the results are
announced. If the results turn out to be good, both of them will be
happy. If not, both of them will be upset. However, that emotion only
lasts for a day. An optimistic person is always happy and if the result
turns out bad, he is only upset for one day. If the result is satisfying, the
pessimistic person can be only happy for one day, but
our life is what matters and we have the CHOICE whether to be happy or
not.
 Golden Prosperity Principle #4
Dream BIG
All our dreams can come true, if we have the courage to pursue them.
Walt Disney

Our dreams help us set the path on where we want to go, remind us to
spend our time wisely and not to give up in the face of adversity.

Apple Inc. co-founder Steve Jobs vision was to put a computer in the
hands of everyday people. Henry Fords vision was to build a motor
car for the great multitude. It would be so low in price that no man was
unable to own one. Thomas Edisons vision was to create a lamp that
could be operated by electricity. The Wright brothers mission was to
create a machine that could fly through the air

Their dreams really came true! The dreams of the successful people lead
to the comfort we are able to enjoy today. It all starts with a dream.

If you shoot for the stars and hit the moon, it's OK. But you've got to
shoot for something. A lot of people don't even shoot. - Confucius

Create the highest, grandest vision possible for your life, because you
become what you believe. Oprah Winfrey

Make bold dreams. Dont worry if you can achieve it. The why is
crucial, the how will come later. I particularly like this timeless English
proverb, When theres a will, theres a way. If you have a burning
desire to make it happen, all walls obstructing you will be torn down to
manifest your dream.
You are capable of achieving greatness. As you strive towards your
goals, you will reach heights that you have never imagined at first.

Aim HIGH, youll be surprised how much you grow along the way.
 Golden Prosperity Principle #5
Believe in Your Abilities
One of my favourite songs that I use to motivate myself to believe in my
abilities is Hero, sang my Mariah Carey. I like this part of the lyrics,

There's a hero. If you look inside your heart, you don't have to be afraid of
what you are. There's an answer, if you reach into your soul and the
sorrow that you know will melt away. And then a hero comes along, with
the strength to carry on and you cast your fears aside and you know you
can survive. So when you feel like hope is gone, look inside you and be
strong and you'll finally see the truth that a hero lies in you.

Have you heard of this song? If not, I recommend that you listen to it,
especially whenever you encounter any setbacks in life.

Whatever your mind can conceive and believe it can achieve

Napoleon Hill

In Think and Grow Rich by the author Napoleon Hill, there is an

inspirational story about a man who had a very strong desire for his son
to hear and speak. He believed and desired that his son will be able to
hear and speak. Attempting all methods to improve his sons hearing,
his son did not go to a school for the deaf and did not learn sign
language. Yet, his son managed to go through high school and college. In
high school, his son tried an electrical hearing aid, but to no avail.
Miraculously, the second electrical hearing device that he attempted
enabled him to hear as well as a normal person. The boy transformed
his handicap into an asset, being an associate of the company and
devoted his life teaching deaf-mutes to hear and speak.

We all have fears. The difference is that successful peoples hunger for
success is greater than their fears. Successful people believe that their
dream and vision will come true and do whatever it takes to make it
happen.
Instead of thinking about how things will not work out, why not think
what will happen if we pursue our goals and really achieve what we
want?

When we believe in ourselves, we will experiment things that will

change our lives for the better, making us more confident, happier and
keep going.

BELIEVE that YOU Can Be Successful!

 Golden Prosperity Principle #6
Keep Taking Action
Successful people take action. Successful people know the importance of
working hard and enjoy later. All successful people I know work hard to
make their dreams come true.

There is no get-rich-quick method out there. There are people who win
the lottery, received a huge sum of money and yet be in debt after that.

If you want to lose weight and are lazy to exercise

If you want to be good in sales but do not meet or talk to people
If you want to be a fitness trainer but do not go to the gym to work out.
If we go for seminars but do not take action after that

If something is a MUST for you or you want it badly, you will take
massive action to realise it. After acquiring the knowledge in a specific
field, it is essential to take steps towards your goal.

A common challenge as humans is we procrastinate. We tend to put off

things to a later date and do things that are easier and less important.

To counter this problem, we can write a to-do-list and jot down the 3
most important things that we want to get done within a day and take
action. This way, it will not be too overwhelming and we will be more
motivated to get what we want. Prioritize and get things done.

We can start small. It is okay to start small. Then the task at hand will
be less daunting.

Success is the sum of small efforts repeated day in and day out
- Robert Collier
 Golden Prosperity Principle #7
Persevere
More often than not, when we put in all our effort to learn something or
to solve a problem, we may not get the results we want at first. We need
to keep on trying. In the process, there will be valuable takeaways or we
may find out what we really want and change our strategy.

I did not get my dream job at first. I did not know how to do internet
marketing after my first course. When I first started to learn value
investing, I made mistakes

Every adversity brings with it the seed of an equivalent success.

Napoleon Hill

True enough, every setback is a learning experience. We learn more

when we face challenges. Whenever I learn something new, the
beginning is always the hardest part. As I encounter challenges one after
another, I realize that it becomes less and less frustrating and each
experience makes me stronger.

I have not failed, Ive just found 10000 ways that wont work.
- Thomas Edison

Every time you do not attain your goals, do not give up. Ask yourself
these 2 questions:
1. What can I learn from this experience?
2. What should I do next to move myself closer towards my aim?
 Golden Prosperity Principle #8
Focus
We need to focus, be it completing the task at hand or learning
something new.

For both cases, it is important to avoid distractions.

(a) If you are reading a book and you hear a lot of noises around
you
(b)If you are doing an assignment and the phone keeps ringing

It is better to find a quiet place, switch off your phone or to silent mode
before reading your book and completing your work. Then you can
finish reading the book or your work more quickly and continue with
other tasks. If your aim is to lose 10 pounds, you need to focus on
exercising and not giving in to tasty food high in calories.

I fear not the man who has practiced 10,000 kicks once, but I fear the
man who has practiced one kick 10,000 times. - Bruce Lee

Intensity is the price of excellence. - Warren Buffett

If you spend a huge amount of time learning something well, it is easier

for you to be better in it than learning different things at once. One can
learn how to invest in stocks, bonds, properties etc. For internet
marketing, some people do social media marketing, blogging, email
marketing etc. If we focus on one aspect first, we can learn how to do it
well because knowing a bit of this and that is not enough.

Bill Gates and Warren Buffett, two of the most affluent people in the
world, believe that their most important reason for their success is
FOCUS.
 Golden Prosperity Principle #9
Leverage on the Expertise of Mentors
I am really grateful to have mentors sharing with me their experience
and mistakes which in turn, shortened my learning curve. I would not
have found out about the various methods to build multiple income
streams if I did not learn from them. Yes, I can learn from the Internet or
books but mentors help us acquire deeper knowledge.

We can choose to do it ourselves or to learn from reputable experts who

have been there, done that, to reduce our mistakes. There are many
trainers out there, so we need to be careful who we learn from too.
Learn from those who are concerned about your success, willing to help
and have integrity.

Let me share with you a story.

A professor was invited to give a lecture to a class. He conducted an

experiment. Pulling out a big glass jar, he took out a bag of stones
(which were the size of tennis balls) and put the stones one by one in
the jar. He asked the students if the jar was full. They agreed. Next, he
placed pebbles into the jar and the pebbles filled the empty spaces.
Then, he added sand and water and filled the jar to the brim. He said,
The rocks represent the important things in your life, such as your
family, your health and your hopes and dreams. The pebbles represent
things that are less important, such as your job and house. The sand and
water represents the least important things such as running errands
and watching television.

Imagine what would have happened if the professor put the sand and
water into the jar first?

There would not be room for the pebbles or stones.

Moral of the story: We need to spend time on important things in our
lives first.

All of us have 24 hours in each day. Our time is very precious. We can
allocate for example 10% of our monthly income to learn from expert s
and leverage on their knowledge and skills to minimize our mistakes,
save our time and speed up our success. Investing in our own education
is very important.

VS
 Golden Prosperity Principle #10
Take the Path Less Travelled If You Need
To
From my personal experience, I know sometimes the road less travelled
can lead us to places we have never expected. So dont trust the bad
things that people say blindly. Do our own research and learn from
successful people. Never take negative comments too seriously.

Many people go to school, study hard, get good grades, go to college or

university and then get a job. Yet, we always here this Im tired of my
job/boss, Monday blues as well as complaints about salary and the
amount of work etc. So, when many people do things a certain way, it
does not mean that it is the best way.

I have heard many people say Investing is risky. But is it really so?
After attending the value investing course and learning about investing
in stocks, I found out that investing is not risky with the right
knowledge. Many people just buy by listening to what other people say.
If someone says a particular stock can make money, we still need to do
our research.

Besides, do not fall prey into scams, those that promise high returns
within a short period of time and yet require little or no work. When
people ask us to invest a certain sum into a business venture, we need to
know how the business works and NOT invest only because they say it
is profitable.

Nowadays, with the advent of technological advancement, we can find

lots of information online, although we still need to verify if the things
stated is true. For example, some cancer survivors use positive
affirmations, some people take more alkaline food or reduce the intake
of acidic food to neutralize the body PH levels etc. There is hope, isnt it?
 Golden Prosperity Principle #11
Continue Learning

The more you know, the more you know you don't know.
- Voltaire

Never be complacent. The process of learning never stops. As long as we

live, there are things to learn. We may be good at something, but there
are always people who are better than us whom we can learn from.

The economy and technology keep changing. We need to read

newspapers, watch the news to be updated of the current events.

Ways to continue learning include reading, listening to audiobooks

(legally) and attending seminars. As we read, we also internalize the
knowledge of successful people and can use it to live a happier and
more rewarding life.

If we are busy, we can find time to read when we are taking public
transport, having our lunch break or during a holiday.
 Golden Prosperity Principle #12
Give Wholeheartedly
Heres a meaningful story that I hope to share with you.

A boy was selling goods from door to door to pay for his school
fees. He was hungry but did not have enough money to buy food.
So he decided to ask for a meal at the next house that he was going
to. When a lady opened the door, he was frightened and instead,
he asked for water. She thought he was hungry and brought him a
glass of milk. He drank the milk and asked, How much do I owe
you?
The lady replied that she he did not owe her anything.
He was really thankful.
Many years later, the woman became seriously ill. The local
doctors were not able to cure her disease and they sent her to the
big city to be treated. The boy who had grown up by then, Dr
Howard Kelly, did his best to save her life. Eventually, her illness
was cured. The lady was worried that it would cost her an arm
and a leg to pay the medical bill.
To her surprise, at the side of the bill, it stated, Paid in full with a
glass of milk with Dr Howard Kellys signature at the side.
Her eyes brimmed with tears of joy.

Moral of the Story: When we treat others with kindness, our kindness
will be repaid in ways we have not imagined.

To me, the money for parents is not to be saved. As children, it is our

responsibility to support them when they get old. Our parents
sacrificed a lot of time and effort taking care of us since we are young.

Many successful people donate to charity, help the needy and set up
scholarship funds. They have a higher purpose other than to provide for
themselves.
When people treat us well, we want to treat them well too. Although not
everyone treats us the same way as how we treat them, if we are
generous and help many people, we will be rewarded in some way that
we have never expected.

To be happier, learn to give more to others. Always give sincerely and

wholeheartedly. Think of ways to help your family, your friends and
your community. The more we give, the more blessings we will have.
 Golden Prosperity Principle #13
Express Gratitude

This is what I always tell myself, I am grateful for the things I have,
more good things will happen.

Why is it important to be grateful?

The more you praise and celebrate your life, the more there is in life to
celebrate.
-Oprah Winfrey

When we count our blessings, we focus on the things that we have,

rather than the things that we dont have. Our thoughts affect our
feelings. Expressing gratitude makes us feel happier and more
optimistic and attract more positive things into our lives.

When delightful things happen to you, write it down. If you keep doing
this, you can commit them to memory and remind yourself about the
positive experiences whenever you encounter any obstacles in life.
 Golden Prosperity Principle #14
Spend More Time with Positive People

You are the average of the five people you spend the most time with.
- Jim Rohn

We become like the people we mix with. We talk more to people whom
we spend time with the most and they will influence us, positively or
negatively. If they spend time attending seminars or reading books, we
are likely to do the same. We are affected by whom we associate
withHow we act, how we think, how we feel

Ask yourself these questions:

1. Do people around you think positively or negatively?
2. Are they optimists or pessimists?
3. When you tell them new ideas, do they encourage you or put you
down?
4. Are they knowledgeable or ambitious?

If you are ambitious, attend seminars and you will get to know more
like-minded people.
 Golden Prosperity Principle #15
Love Yourself

Why do you need to love yourself?

If you dont love yourself, who will?

You can love yourself more than anyone else. When you love yourself,
you will be happy, no matter what circumstance you may be in. Loving
yourself does not mean accepting yourself as who are and not
improving. It means that you are happy with who you are whether or
not others like you, whether or not you are good at something, whether
or not you are wealthy

A person may have a big house or a big car, or be a millionaire, or have

lots of money or properties, but if the person does not love himself or
herself, he or she will still be unhappy.

So, love yourself. Do things you love. Celebrate your achievements, no

matter how small. Pursue your hobbies. Eat your favourite food. Pamper
yourself once in a while. Dont overstress yourself. Take a break. Be with
people who value you. Be happy.
Thank you for taking the time to read this eBook!
I hope it added value to you
I hope you will apply the golden prosperity principles and lead a more
prosperous and happy life!

To Your Prosperity,
Andrea Chua Ai Chia
Founder and Optimal Joy Coach
www.andreachuaaichia.com
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