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Day 1677: 【欠債的人注意】如何處理150萬欠款?

11/14/2022

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​​【欠債的人注意】

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​【欠債的人注意】
我上次講100% 借錢物業投資,今次會講我如何處理150萬欠款的經歷,我曾經3個月難以入睡,每一刻也在想辦法,心裡面很不平安。
直到有一天,在我早上靈修的時候,我問自己為什麼不在聖經裡面找答案。
我找到了,還找到一本書 - It’s all starts with a budget,是一本用聖經為根基的理財書

欠債通常是因為我們
1 - 不知道每月支出總和
2 - 連每月欠債的總和也可能不知道( 因為有不同的款項,還款日期)
3 - 沒有訂立每月預算
4 - 追求物質,以致沒有儲蓄
5 - 沒有理財目標 (還清債務也可以是目標)
在我經歷欠債的時候,我把財政狀況搞清楚,多了機會思考解決方法,變得更有紀律,執行力。

欠債的建議
1 - 把債務統一及綜合
2 - 集合結欠成為一個貸款,簡化每月還款一次
3 - 將債務加入每月預算,緊縮其他開支
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條片拍好,但還沒有剪好,出個文字post 等大家留意一下先
我建議的書籍 - it all starts with a budget:

it all start with a budget
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Day 1405: For I m weak THEN I m strong ( Feb 15, 2022)

2/15/2022

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For I m weak THEN I m strong.

我願意打開弱點給人看嗎?我真很害怕。因為我怕羞愧,我怕被看低,我怕自己不接受自己。我不想別人知道。

然後,我很渴望用真的一面見人,我冒險,我開始把我的軟弱打開給別人看。我嘗試面對一下我自己。

每一次也很怕,每一次也猶豫。相反,每一次說出來後,我發現我的心越來越不怕,信心竟然愈來愈高。

原來,告訴別人,就是我們接受自己的時候。當自己接受自己,是很放開的一刻。原來,有弱點是很正常。每個人也有,還有很多tim lol。

然後,人的關係竟然拉近了。因為其他人覺得你真實,連你自己也覺得自己真實,慢慢,你不羞愧了。

我開始知道,我內心的恐懼其實不是真的,我幻想別人不接受我,我就用自己以為人喜歡的一面給人看。

最後,自己內心收起很多東西,很不開心。

連告訴人的勇氣也沒有,那如何克服更困難的問題呢?

我目標是成為激勵演說家,兩年多還沒有什麼成果,我把我自己害怕的,嘗試告訴你,因為我很想變,我想面對自己。
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Day 970: 失敗的人是廢物嗎?”Perform & be happy at work” WORKSHOP - Dec 10 (Thu) 

12/6/2020

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這是我第一次beta workshop,想你們給我一點意見。

我現在工作上還算可以。
在我失敗裡面學到很多想跟你們分享。
可能你們不知道
我曾經2次被勸離開
我曾經沒有同事喜歡我
我曾經4 次生意嘗試不成功
我曾經2次生意夥伴離開我
我曾經在所有的關係上沒有人喜歡我
在末路後,我找到方法。
我想把以前告訴你,希望你們從工作得到力量。

Please mark your calendar Dec10 ( Thu) , 7-10 pm.
如果你心裡面有問題,也可以WhatsApp 我95066478

我在預備我的 “Perform & be happy” workshop
我發現我曾經經歷很多不同的失敗
事業的失敗
生意的失敗
財務上的失敗
人格的失敗
關係的失敗
恐懼而失敗

但現在我還沒有認輸
反而失敗令我更堅強
如果你覺得自己已經沒力量站起來
可以聽聽我失敗的次數
現在竟然還可以這樣
或者你可以再站起來

Zoom Live Workshop
日期:12月10日禮拜四
時間: 7-10pm
立即報名:https://forms.gle/bAdPPNTFCPsz29y89

Zoom link👇
https://us02web.zoom.us/j/86460844680?pwd=cVhxUXcxalFSR2xRQVFkOTh4WjYydz09
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Day 840: How to buy your first rental property with little money ( Jul26,2020)

7/26/2020

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This video reveals my secret investing in my first property at HKD 2.2 mil, collecting a rent of $9300 per month.

If you are reading and wonder if this is good or bad investment, don’t swipe pass this. You need this content!!

Use your lazy finger 🖕🏻 ( this finger not suggested) and hit on the play ▶️ button

For how i make 100% mortgage happened, See this post👇

http://www.daddayout.com/blogs--update/day-788-how-can-i-buy-a-property-with-no-savings

By the way, I m only a beginner but I still want to show what I know to you all 💓
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Day 788: How can I buy a property with no savings? ( Jun 4, 2020)

6/4/2020

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How can I buy a property with no savings?


I bought this property in Apr 2019, the problem I had was
  • I have no saving for downpayment
  • I don’t have money to pay for the mortgage


What does this have to do with you?
  • have you no saving?
  • have you no property?
  • Can you afford to pay your mortgage?


I like to take you through step by step:


Step 1
This was what I did. We have our first house purchased in 2008 at 1.95mil. Maybe you don’t have a property. Please read on because maybe your parents do, you just need to do the right calculations.


I apply for a remortgage with that first house so that to pay for the downpayment.


What you have to do
You need to know if your parent can remortgage their house so you can make a downpayment and know how much it cost them. You promise to pay them back. You can use different mortgage calculator to know the monthly payment.


Step 2
Then, I apply for remortgage to get 1.4 mil for my first house. The monthly repayment is 4768. So 1.4mil= 4768 monthly repayment


What you have to do
Keep this remortgage figure in mind because you will pay back parents or I m in trouble 🙀


Step 3
Then, I apply for another mortgage for my second house. Purchase Price 2.2 mil x 60%, so I get another 1.32 mil mortgage. Monthly payment is 5710.


What you have to do
Find any property to do a calculation. To determine your price range for me. I target 2 mil to 3 mil on my second property.


The best case scenario is you can find a property that the rent cover both parent’s mortgage plus your new mortgage. This isn’t easy you need to search.


Step 4
For my second house, this is the calculation
Total mortgage is 1.4 mil + 1.32 mil = 2.72 mil. My property prices is 2.2 mil. I have 0.52 mil on hand.


Total repayment is 4768+ 5710= 10478 per month


I was able to collect a rent of 9300.


I need to pay 10478- 9300 = 1178 per month to own my 2.2 mil house. Plus, I got cash 0.52mil cash on hand.


What Rich Dad Taught Me
Best case scenario “Rent > Mortgage”
As taught by Rich Dad, your should produce a cashflow that is greater than your mortgage. That is your rent is high enough to cover your mortgage and other expenses that allows you to generate income from the property.


Go to my website www.dadDAYout.com to find out more
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Day 783: Listen Quietly...so you know who you really are (May 30, 2020)

5/30/2020

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For 30 years, I was thinking it is ok to accept something that isn’t your most desired. Why? Why do I have to accept anything less? Do you accept anything less than what you most desired in life?

I don’t want to accept it. I want to ask for the best in me. I want to excel! I want to work for it! Do you?

I was challenged by my coach 3 weeks ago about me waking up 5 am in the morning?
She said: without a purpose you can’t continue this effort for a long time.
She asked: “What’s your purpose?” Then I ask: Is my “purpose” fuelled by fear or passion? What do you feel passionate about? I have passion to help kids, I wanna cry when I helped them because they remind me of my past... I was a younger brother and I have a wrong belief since I was a kid that I should have a smaller share or something less than my brother. This thought grew bigger over the years and has made me accept less than what I truly desired. I would accept smaller portion of food, a smaller birthday gift and later on in my life, I accepted something less than I desired, I accept myself not performing my best...and told myself it’s okay.
That brought big consequences because not only I accept less from others, I accept less of myself and don’t demand so much of myself anymore. I convinced myself to accept mediocrity. That hurts...do you think something is wrong with this belief?

Deep in my heart I regretted that belief and I keep coming back, get up and fight again after several attempts as an entrepreneur, I still not sure what is going on inside of me. I have a fighter spirit but I didn’t realise deep inside, I wanted to ask for the best of me, that’s the real me. And I like to ask you, what is in the real you?

It was until my coach, she asked me about my purpose, deep inside I want more in life, I want my life to be bigger, much bigger. I want to put up a fight. I believe that I am whatever I want to be. I want to show any adults or kids, everyone has the right to ask for the best, never settle for mediocrity. I want to show everyone, they have the right, to demand for their best no matter who they are.
Go out and fight for whatever you want in life, demand more of yourself....
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Day 779: How to fight the belief of “ I m not good enough!” (May 27, 2020)

5/27/2020

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I have been talking to myself for the last 5 year with this powerful statement “ i m good when I m committed to take action.”
I can tell you why m I so sure of that...


I found out at age 36 a thought existed inside myself always doubting “if I m really good enough?” or “ I m just not good enough” .


Here is the method I learnt to fight against this belief :
I go back to my memory and write down the many moments when I was good, there were tons. moments starting from primary school till my work life, there were so many like winning ping pong competition, good grades at high school, I had a promotion or I won a major business,etc . I found many great moments I have had, I just chose to remember the bad ones and forget the good ones. I won a couple of big new business the first year into marketing. I m really good.


All these instances support my statement: “ I m good when I m committed to take action.”


So why do you think you are not good enough? It is because bad things tend to make a bigger impact. It left a scar. We need to be trained to take failures positively. We often hear “ never give up”, “failure makes us better”, but we never believe them and we couldn’t embrace these philosophies, we never internalise them into our heart successfully.


How do we internalise positive thoughts?
How do we believe in it and act it out?


We need to dig back into our past experience to find proof that god does leave a track of your empowering past.
Name 5 instances that you felt fulfilled or achieved something.


It could be a small contest, winning a sports match, a test you did really well even in grade 1. Did someone praise you are good over something you did well? Have you ever build anything together with your friends? Have you ever settle some troubles in your life? Think about that. I want you to count 10 of them, count to 20 if you could. These 10 instances just proved that you are good when you committed to it.


“ I m not good enough” is wrong. I turn the negative thought into a positive one. I m good when I committed to take action. Once I installed this belief in my system, I take off and never look back.
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Day 749: When you hear your  inner voice inside says “ You Are Not Good Enough”. It isn’t true, Why? (Apr 27,2020)

4/27/2020

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How to outperform in life? by KILLING the fear and self-sabotage of “ I m not good enough”!
This is a video about the fear and wrong belief we created ourselves at a very young age, making fear a habit of ourselves without noticing it is not even reality.
This video is going to help you to identify those bad messages you say to yourself and how you can turn that bad message into something that motivates you to outperformance in life.
I like to show you how did I form that message of "I am not good enough" during a very young age when I was about Age 7 - 10. There is a solution to that and i will show you how in the video
​
(Remember to turn on the captions for both Chinese and English on YouTube)

Don't Miss My Live Event On Outperform At Work and Motivation on May 30, 2020

​
Click 👉https://bit.ly/2KkXQZv to learn more my Zoom Live Event on May 30,2020 to share the 3 things to get whatever you want in life. I will condense my 15 years of pain in that workshop so you can fast forward and grow 15 years quicker. Don’t miss it 👇 https://bit.ly/2KkXQZv This is a video about the fear and wrong belief we have to ourselves at a very young age. This video is going to help you to identify those bad messages you say to yourself and how you can turn that bad message into something that motivates you to outperformance in life. Chinese Subtitle Available Check out the details of the Work Outperformance Workshop https://herbert-yau-42328.mindmint.co... Think yourself to win. If you act like everybody. You become a nobody. So Be Like You & Work your dream. Herbert Yau, property entrepreneur and a motivation speaker

Herbert Yau, property entrepreneur and a motivational speaker
Go here to find out more about my motivation 
http://www.daddayout.com
Face: https://www.facebook.com/yauherbert
​Insta: https://www.instagram.com/herbert.yau/
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Day 718: Have you asked yourself: why am I sitting at the same work desk day after day? ( Mar 27,2020)

3/27/2020

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Have you ever asked yourself: Why am I sitting at the same work desk day after day? Could my life be any different? If you have, you are not alone. I went down as a business failure 5 years ago to up 2 properties.

The second property I bought in Apr 2019.
​
​I like to show you 3 steps to outperform in Life. Watch the video for STEP 1....GO!

I like to offer you 3 steps, maybe something totally different from what you learnt in the past.

Something that you may never aware because it hides deep inside your brain that drives your action. It is those thoughts that drive you to take action or non-action.

I will help you to discover yourself what’s stopping you, turning those thoughts and beliefs into a powerful message to motivate you even in face of difficulties.

If you still reading, go ahead and watch the video right now!

​Herbert Yau, property entrepreneur and a motivation speaker
Motivation blog: http://www.daddayout.com
Face: https://www.facebook.com/yauherbert
​Insta: https://www.instagram.com/herbert_yau_day_out/
If you agree what i am talking about. please like below.
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Day 648: Observe Anger, Ask if it is a big thing,  Our anger is so funny! ( Jan 15, 2020)

1/15/2020

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Sometimes when we look at our anger, it is so easy to solve, yet we got involved with deep feelings we don’t even know.
This time it’s my wife luggage, it is actually my thought of her domination in the house...

From the meditation this morning, I found out I wasn’t happy with the luggage lying in the middle of floor, I feel this is disrespect of others on the use of the space. Meditation is the remove oneself from the emotion and observe oneself. I observe that it is such a small matter yet it causes me emotions. Then I sort of get it, I observe myself having emotion, it’s a small thing, I can just move it somewhere or use some other space. The anger was a self inflicted pain. When we angry at someone, the pain is not on the person we angry at, but on ourselves.
I also use the same on fear in presentation. I observe the fear. I took myself out of the fear. Look at myself. I decided to smile at the fear and enjoy the fear. I recognise will happen every time no matter what, so I enjoy the experience. So from now on, I use the phrase “ enjoy the fear”.
I observe the fear. I took myself out of the fear. Look at myself. I decided to smile at the fear and enjoy the fear.
So we should observe it, identify it, and laugh at the anger itself, enjoy the observation. So we don’t hurt ourselves at the end. ( I think for anger is more difficult because I angry at the luggage, how funny!)


Then I remember the pain you have with timeville at dinner last night. Angry at them bring pain only onto ourselves. It isn’t worth it. So we should observe it, enjoy the observation and smile at it. It isn’t worth damaging our own health. That’s one of the reasons you not feeling well too, they caused you negative emotions effecting your health.


We shouldn’t wish them bad luck and laugh at the poor decision they made. Thinking habits remains the same all the time, if we don’t forgive others and move on, we aren’t able to move on when we made mistakes ourselves, we keep looping on our own mistakes and we tend to be tough on ourselves too.


We want to be kind to ourselves, and we should find an explanation to accept and forgive them. We all have 24 hours a day, we can choose to focus our time on growing ourselves or spending it in a negative way, giving up growth. It is our decision.


This is not a lecture to you. This is a reflection and the thinking process I m trying to organise so I can remind myself and re-use it when I need it.


Thanks for talking to me about your trouble, it inspires me to think deeper to help myself.

Think yourself to win. If you act like everybody. You become a nobody.
So Be Like You & Work your dream.


Herbert Yau, property entrepreneur and a motivation speaker
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    A project about being a property entrepreneur and motivation speaker. How I work from a job transforming into a business.  I went through 3 business failures, broken relationship and on Apr 24, 2019. I invested my first property with 100% mortgage
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