Who we are

MQ companies focus on assisting our clients since 1998 to excel in their wealth management. Our unique model has helped many entrepreneurs to embark on a strong footing in their line of business and life. It has successfully assisted many existing clients or affiliates to witness breakthrough improvement in terms of wealth management and life.  

What we do

You will find this one stop money quotient hub here in MQ with our areas of services to assist you.

Personal Financial Planning
Insurance planning
Retirement planning
Estate planning
Business Financial Planning
Business Funding
Guarantor Indemnity Plan
Keyman Compensation Plan
Business Succession Plan
Professional Value Plan
Group Employee Benefit Scheme
General Insurance
0
years
0
clients

Your reliable partner

MQ is committed to providing excellent service in wealth management of our clients and strive to be the central hub of financial services excellence with extreme passion to serve and share in personal or corporate level.

We love making positive impacts.

Thank you for taking great care of us on our insurance. You and your team at MQ Consultancy Sdn Bhd have been wonderful to work with. Just list out one of the friendly customer service that given, MQ’s staff is stationed in Ee-Lian café every Friday and ready to give professional insurance advice to our employees without extra charges. Jason has always been tried his best to provide the better coverage than the prior and save us in term of premium charges at the same time. I would recommend Jason to anyone without hesitation or reservation.

Dr Teoh Han Chuan
Group Managing Director
SWS Capital Berhad

Good,Affordable,Fast ; Products following market trend and demand; Feel personalized services provided by the MQ Team

10 years ago, MQ did my wife medical claim and handed the pay cheque to my house on my hand within 3 working days! Truly appreciated MQ founder Mr Jason Koeh efficiency in helping me to go thru my life most difficulties period. Mr Jason Koeh even think of the best on how to made claim for chemo therapy treatment on my wife using the medical card ( very lucky Mr Jason Koeh proposed the Medical Card to my wife as her first Insurance Policy). After all those sour and painful story we become very good friend and we treasure each other until today. Life is Great. I love u bro.

Ng Cheng Hoe
Director
Inno PDA Sdn Bhd

Friendly, reliable and efficient

MQ provides excellent service in many aspects since the beginning till now and the people in MQ has always been there for me like a family when needed. Hence, this is very important for me and as a customer as I felt MQ is reliable and efficient in providing their service.

Geoffrey Teoh
Manager
Financial Institution

Informative, latest update and financial newsletter

Dr Chong Yen Nee
Chief Executive Officer
Yayasan Penjaja dan Peniaga Kecil 1Malaysia

Quick response, competitive quote and comprehensive product info

Sheley Teoh
General Manager - Sales
Blu Inc Media Sdn Bhd

FAST,

EFFICIENT, 

HELPFUL!
Aster Lim
Group Managing Editor
Blu Inc Media Sdn Bhd

Professional advice on insurance, Effecient and effectiveness MQ team

I will recommend MQ due to the professionalism of the team. Look forward to see this organisation grow!

Eric Gan
Regional Sales Manager
MBNS (ASTRO)

Consult, Advise, Reference. Train all staff to implement same character.

Dr. Samsudin Wahab
Lecturer
UiTM

Service is professional and personalized. 

Efficient, competitive and attentive. Thank you for taking care of us and we look forward to many more years with you.

Aanear You Chee Chien
Executive Director
Yee Loong Engineering Sdn Bhd

Always updated service, knowledgeable consultation,

None of the financial company can provide such great service like they do!

Dr Shirley
Doctor
AOKlinik
ppl

Need professional advice on financial management?

Let our team assist you!

bino

Looking for something new to venture in your career?

Join our team and make a difference now!

Meet Our Partners

Our Corporate Social Responsibility

The most important objective of our company is to obtain profitability in the long term. Guided by its mission and values we seek to achieve profits without prejudice to society and the environment.

Latest Updates

Overcoming the Greatest Fear in Running a Business

When running a business there are so many concerns to consider before any profits can be made. Concerns regarding capital outlay, employment, accounting methods, marketing trends, after sales service, even customer satisfaction are some of the many factors which make or break the business. It’s no wonder having one's own business and running it on one's own is not everyone's goal; it is a narrow and lonely journey for most! Those who succeed, make it with lots of sacrifice and determination. However, the journey doesn't end here. Even after a business has been successfully created with stable profits and long term secure contracts, the issue of business succession continues to haunt many entrepreneurs.


Business Partnership or Private Limited Business

The unfortunate event for a very successful business is when the founder or partner deceases before a proper succession plan can be drawn up. The estate of the deceased partner/director will be given to the surviving family of the deceased, creating an immediate vacuum in business related transactions. This is especially if the surviving spouse has no experience in running the business and that can prove a disaster for the surviving partner in continuing with the business venture. Usually, the surviving business partner will close down the business, only to open up again next door, leaving the widow with very little bargaining power on the actual value of the company. Even the most honest business partner has limited funds to pay back the widow because the business is forced to shut down. A proven solution is to draft a buy-sell agreement where the shareholders of the company predetermine the value of the business and how the shares are disposed of in the event of a trigger event such as death, total permanent disability or even major illnesses. Each of the shareholders will sign a Power of Attorney to the trustee who will act on behalf of them as far as the transferring of shares is concerned. There are many ways to fund the buy-sell i.e. sinking funds, self-funding by creating immediate funds or the most preferred funding method, insurance funding. Because only a fraction of premium used to fund the insurance policies, it makes lots of sense to pay the amount rather than forking it out from their own pockets. Upon the decease of a shareholder, the trustee shall claim the insurance benefits and at same time execute the buy-sell agreement which shall state who the beneficiaries are and which shareholders to transfer the shares to at a fair value agreed earlier during the signing of agreement. That is why it is very important to use an independent corporate trustee to execute the transfer clearly and transparently. Both parties’ interests are protected in this way.

Businesses with Key Person(s)

Good and competent employees are very hard to come by these days. After working for a number of years, they may be headhunted and offered better salaries. In order to maintain and keep good employees, better and comprehensive benefits must be in place to prevent them from looking elsewhere. However, a premature death is something we cannot prevent from happening. We can only secure the risk of losing key employees due to premature death by providing a key man insurance plan. Firstly, we need to identify which employees are the backbones of the company; they are usually the key persons who make the right decision in doing business or in management. Without their experiences and skills, the business will not be where it is today. They play vital roles in bringing the company to the next level because of their loyalty, dedication and belief system. Losing any key person like that may cost the company lots of money and time to train up equivalent individuals. In order to maintain the lead in the business, these key employees shall have a life insurance policy to cover against the element of risk such as death, total disability and major illnesses. Upon such events, the insurance company shall pay to the company owner the agreed sum assured by way of absolute assignment to the company. The proceeds of the insurance are then used by the company to seek a successor immediately and employ the right candidate for the position. The company does not lose out in terms of time and capital but is able to find a suitable replacement immediately with the money from the claims. Key man insurance does not benefit the employee but the employer in this case. To benefit the key employee, a group term life can be arranged to cover premature death. In that case, the term insurance will cover the next few years of the employee in the form of income replacement.

For the Self Employed

The self-employed are usually highly motivated and passionate about the business they are carrying on. All the successes are attributed to the long hours and hard work that individual puts in. When a premature death occurs, the entire business grinds to a halt almost immediately! A good example is your local doctor; unless the practice has built strong goodwill and reputation, the deceased cannot sell the business to another doctor at an agreed price. In most cases the practice will just die with the owner. Clients will go elsewhere to seek medical attention. The same goes for other individually-owned businesses. A proper solution to this problem is by first conducting a comprehensive financial plan to establish where the financial needs are and how to address those concerns. With proper financial planning, these obligations can be addressed and pre-planned by using an insurance trust. Even after proper estate planning, without finances, the family will not be able survive for a month. By having an insurance trust, family members can have continual financial support for the remainder of their lives. For an insurance trust to be effective, firstly, the owner needs to find a large enough lump sum to create an immediate estate for the family. Usually, the best and cheapest means to do this is by having an insurance to fund the trust. This is possible because the trust only takes effect upon the death of the breadwinner. To establish the amount of insurance, one must first work out how much survival income the family needs for a certain duration of time until the last child is fully independent. The other factors to consider are the education needs and medical expenses of the surviving spouse. We may also determine how much funds are needed to maintain our aging parents' medical needs and welfare too. Once we can establish how much insurance is sufficient to maintain the family in the event of a death, we can purchase the insurance or use existing insurance policies to establish the trust. The insurance policies are then assigned to the trustee, who in the event of the death of the policyholder shall distribute the funds according to the trust deed that has been set up. Therefore, it is important to have a corporate trustee than an individual trustee for perpetuity reasons and better administration because a corporate trustee shall give an account of record keeping as opposed to an individual who may not have the capacity to do so. The benefits of the insurance trust can be summarized below:-

· It is creditor-proof once it is set up, subject to the Bankruptcy Act 1967.
· As it does not form part of the estate, there is no need for probate and the family gets immediate cash.
· Payment to the beneficiaries can be in a lump sum or in staggered payments to avoid spendthrift beneficiaries from using up the money in a short time.
· The deceased owner has full control over the insurance proceeds as spelled out under the trust deed.
· The duration of the trust can be established.
· It can be used to fund the education of minors until they reach the age of majority.
· It can be used to take care of the medical and welfare needs of family members, both senior and the spouse.
· The deceased client can withhold money for future use, such as wedding gifts, to start up business ventures or even as down payment for the purchase of a home.
· It can be used for the payment of debts.

The benefits are endless depending on the needs of the family and the ability to purchase the insurance premium initially. The set-up cost is very affordable initially but clients must be aware of the subsequent trustee fees for the administration of the trust. The insurance trust not only protects the interest of the loved ones but also gives peace of mind to the owner, knowing the trustee shall follow the instructions given under the trust deed.

Source: MFPC

www.mqbusinesswealth.com
... Read moreHide

4 days ago

Overcoming the Greatest Fear in Running a Business

When running a business there are so many concerns to consider before any profits can be made. Concerns regarding capital outlay, employment, accounting methods, marketing trends, after sales service, even customer satisfaction are some of the many factors which make or break the business. It’s no wonder having ones own business and running it on ones own is not everyones goal; it is a narrow and lonely journey for most!  Those who succeed, make it with lots of sacrifice and determination. However, the journey doesnt end here. Even after a business has been successfully created with stable profits and long term secure contracts, the issue of business succession continues to haunt many entrepreneurs.

 
Business Partnership or Private Limited Business

The unfortunate event for a very successful business is when the founder or partner deceases before a proper succession plan can be drawn up. The estate of the deceased partner/director will be given to the surviving family of the deceased, creating an immediate vacuum in business related transactions. This is especially if the surviving spouse has no experience in running the business and that can prove a disaster for the surviving partner in continuing with the business venture. Usually, the surviving business partner will close down the business, only to open up again next door, leaving the widow with very little bargaining power on the actual value of the company. Even the most honest business partner has limited funds to pay back the widow because the business is forced to shut down. A proven solution is to draft a buy-sell agreement where the shareholders of the company predetermine the value of the business and how the shares are disposed of in the event of a trigger event such as death, total permanent disability or even major illnesses.  Each of the shareholders will sign a Power of Attorney to the trustee who will act on behalf of them as far as the transferring of shares is concerned. There are many ways to fund the buy-sell i.e. sinking funds, self-funding by creating immediate funds or the most preferred funding method, insurance funding. Because only a fraction of premium used to fund the insurance policies, it makes lots of sense to pay the amount rather than forking it out from their own pockets. Upon the decease of a shareholder, the trustee shall claim the insurance benefits and at same time execute the buy-sell agreement which shall state who the beneficiaries are and which shareholders to transfer the shares to at a fair value agreed earlier during the signing of agreement. That is why it is very important to use an independent corporate trustee to execute the transfer clearly and transparently. Both parties’ interests are protected in this way.

Businesses with Key Person(s)

Good and competent employees are very hard to come by these days. After working for a number of years, they may be headhunted and offered better salaries. In order to maintain and keep good employees, better and comprehensive benefits must be in place to prevent them from looking elsewhere. However, a premature death is something we cannot prevent from happening. We can only secure the risk of losing key employees due to premature death by providing a key man insurance plan. Firstly, we need to identify which employees are the backbones of the company; they are usually the key persons who make the right decision in doing business or in management. Without their experiences and skills, the business will not be where it is today. They play vital roles in bringing the company to the next level because of their loyalty, dedication and belief system. Losing any key person like that may cost the company lots of money and time to train up equivalent individuals. In order to maintain the lead in the business, these key employees shall have a life insurance policy to cover against the element of risk such as death, total disability and major illnesses. Upon such events, the insurance company shall pay to the company owner the agreed sum assured by way of absolute assignment to the company.  The proceeds of the insurance are then used by the company to seek a successor immediately and employ the right candidate for the position. The company does not lose out in terms of time and capital but is able to find a suitable replacement immediately with the money from the claims. Key man insurance does not benefit the employee but the employer in this case. To benefit the key employee, a group term life can be arranged to cover premature death. In that case, the term insurance will cover the next few years of the employee in the form of income replacement.

For the Self Employed

The self-employed are usually highly motivated and passionate about the business they are carrying on. All the successes are attributed to the long hours and hard work that individual puts in. When a premature death occurs, the entire business grinds to a halt almost immediately! A good example is your local doctor; unless the practice has built strong goodwill and reputation, the deceased cannot sell the business to another doctor at an agreed price. In most cases the practice will just die with the owner. Clients will go elsewhere to seek medical attention. The same goes for other individually-owned businesses. A proper solution to this problem is by first conducting a comprehensive financial plan to establish where the financial needs are and how to address those concerns. With proper financial planning, these obligations can be addressed and pre-planned by using an insurance trust. Even after proper estate planning, without finances, the family will not be able survive for a month. By having an insurance trust, family members can have continual financial support for the remainder of their lives. For an insurance trust to be effective, firstly, the owner needs to find a large enough lump sum to create an immediate estate for the family. Usually, the best and cheapest means to do this is by having an insurance to fund the trust. This is possible because the trust only takes effect upon the death of the breadwinner. To establish the amount of insurance, one must first work out how much survival income the family needs for a certain duration of time until the last child is fully independent. The other factors to consider are the education needs and medical expenses of the surviving spouse. We may also determine how much funds are needed to maintain our aging parents medical needs and welfare too. Once we can establish how much insurance is sufficient to maintain the family in the event of a death, we can purchase the insurance or use existing insurance policies to establish the trust. The insurance policies are then assigned to the trustee, who in the event of the death of the policyholder shall distribute the funds according to the trust deed that has been set up. Therefore, it is important to have a corporate trustee than an individual trustee for perpetuity reasons and better administration because a corporate trustee shall give an account of record keeping as opposed to an individual who may not have the capacity to do so. The benefits of the insurance trust can be summarized below:-

·         It is creditor-proof once it is set up, subject to the Bankruptcy Act 1967.
·         As it does not form part of the estate, there is no need for probate and the family gets immediate cash.
·         Payment to the beneficiaries can be in a lump sum or in staggered payments to avoid spendthrift beneficiaries from using up the money in a short time.
·         The deceased owner has full control over the insurance proceeds as spelled out under the trust deed.
·         The duration of the trust can be established.
·         It can be used to fund the education of minors until they reach the age of majority.
·         It can be used to take care of the medical and welfare needs of family members, both senior and the spouse.
·         The deceased client can withhold money for future use, such as wedding gifts, to start up business ventures or even as down payment for the purchase of a home.
·         It can be used for the payment of debts.

The benefits are endless depending on the needs of the family and the ability to purchase the insurance premium initially. The set-up cost is very affordable initially   but   clients   must be aware of the subsequent trustee fees for the administration of the trust. The  insurance  trust  not  only  protects the  interest  of  the  loved  ones  but also gives peace of mind to the owner, knowing the trustee  shall  follow the instructions  given  under  the trust deed.

Source: MFPC

www.mqbusinesswealth.com

2019 Market Outlook & Tax Planning
3rd March 2019 | 9am - 12pm
Starbucks Maritime, Karpal Singh Drive.

For Registration,you can click the link below:
Register Online (Public) : 1st.mfpc.org.my/PublicEventRegistration/76

MFPC Members Online Registration : 1st.mfpc.org.my

For MFPC member, if you do not have username or password, you may refer to MFPC secretariat at 603-62035899 (Azlin)

Thank you.
... Read moreHide

4 days ago

2019 Market Outlook & Tax Planning
3rd March 2019 | 9am - 12pm
Starbucks Maritime, Karpal Singh Drive.

For Registration,you can click the link below:
Register Online (Public) : https://1st.mfpc.org.my/PublicEventRegistration/76

MFPC Members Online Registration : https://1st.mfpc.org.my

For MFPC member, if you do not have username or password, you may refer to MFPC secretariat at 603-62035899 (Azlin)

Thank you.

Did You Know You Can Budget but Still Have FUN?

What can you buy with RM76? A nice dinner for two in a moderately upmarket makan place? A presentable outfit for an important work meeting? Well, if you can afford this, lucky you!

A recent study by Khazanah Research Institute found that RM76 is all that all an average B40 Malaysian household has left over after deducting their household expenses.

But let’s be honest here, some people (you know who you are) who aren’t within this B40 bracket also sometimes have only RM76 left over right? Don’t worry, it happens to the best of us.

How come? Earn so much every month but still can end up broke! Well it’s all about that bass – oops, budget!
One Budget to Rule Them All
Developing a budget that suits your current lifestyle and long-term plans can help you avoid falling into this “RM76 trap”.

One of the most popular budgeting rules out there is the 50/20/30 rule. It was created by the mother-daughter tag team, US Senator Elizabeth Warren and her (probably) favourite kid, Amelia Warren Tyagi. In fact, they wrote a whole book about it: “All Your Worth: The Ultimate Lifetime Money Plan”.

We know a lot of you are lazy to read the entire book so we have done the hard work for you.
Peter parker reading a book | I GEDDIT NOW | image tagged in peter parker reading a book | made
The 50/20/30 rule has been recommended by the likes of Forbes Magazine, Investopedia and NBC. It’s so popular because it’s easy to understand, simple to use, and leaves room in the budget for fun. Yup, you read that right - FUN! Allow us to explain.

The Three “F”s
This rule is a percentage-based rule which, according to its creators, is suitable for ALL income brackets. You simply have to divide your total after-tax income into three “F”s.

The first F, which should make up 50% of your income, is for your fixed costs. The second, at 20%, is for Financial Goals. And here’s the FUN part: the last F, a whole 30% of your monthly moolah, is for whatever your heart desires!

And here’s the Step-by-Step
Step 1: Calculate your after-tax income. If you have a regular income, just look at your payslip. If you are self-employed or a freelancer, calculate your average monthly earnings after taxes.

Step 2: Calculate your fixed costs. This should ideally be within 50% of your after-tax income. If it’s more than that, take a hard (and yes, we know, painful) look at your expenses in this category. Can you downgrade your internet plan? Find an additional housemate to reduce your house rent? Whatever it takes, man!

Step 3: Calculate the amount that you normally set aside for items under the financial goals category. If it does not already reach 20%, assign more of your income into savings or investment.

Step 4: Go crazy with the remaining 30%!

Too good to be true?
Easy to understand? Check. Simple to use? Check. Fun? Most definitely check!

BUT (and there’s always a but): many people have pooh-poohed the 50/20/30 rule, saying that it is not as universal as it claims to be.
i.imgflip.com/2ov3t5

Firstly, living standards may not be the same everywhere. For example, the cost of rental and groceries in KL or Penang would be considerably more than, said, in Kuala Terengganu. Hence, allocating 50% for fixed costs may be too much or too little depending on where you are based.

Secondly, some (boring people who don’t like to have fun) complain that fun should NOT be prioritised over settling any outstanding debts and savings. They argue that by keeping only 20% aside for financial goals, this drags out debts longer (which is never a good idea) and diminishes your long-term financial security. Well, they may have a point there.

And finally, the 50/20/30 budget may not make sense for every income bracket. While it may be quite suited for most of us middle-income earners, low-income households may have no choice but to spend more on fixed cost essentials (as seen in the Khazanah study above). Likewise, if you are a high-income earner, you may have a hard time finishing your very large 30% fun quota every month!

A Budget That Works for You
Don’t tell the Warrens, but we think it’s perfectly okay to tweak the 50/20/30 rule to suit your own financial status and priorities. For example, those in high-cost-of-living areas may decide that a 60/20/20 budget makes more sense. Those with high debt may want to swap around the percentages for financial goals and (maybe less) fun.

And for those who have a really hard time trying to save anything, there’s a rule for you too! The 80/20 rule gets you to put aside 20% of your income in a more inaccessible savings account (like Amanah Saham) as soon as you are paid, leaving 80% for absolutely everything else.

Whichever budgeting rule you choose, the golden rule for making it work for you is to stick to it! Get a buku 555, a budgeting app., or a very strict spouse to be in charge of finances – and NO CHEATING, okay!

Source: Loanstreet

www.mqbusinesswealth.com
... Read moreHide

1 week ago

Did You Know You Can Budget but Still Have FUN?

What can you buy with RM76? A nice dinner for two in a moderately upmarket makan place? A presentable outfit for an important work meeting? Well, if you can afford this, lucky you!

A recent study by Khazanah Research Institute found that RM76 is all that all an average B40 Malaysian household has left over after deducting their household expenses. 

But let’s be honest here, some people (you know who you are) who aren’t within this B40 bracket also sometimes have only RM76 left over right? Don’t worry, it happens to the best of us.

How come? Earn so much every month but still can end up broke! Well it’s all about that bass – oops, budget!
One Budget to Rule Them All
Developing a budget that suits your current lifestyle and long-term plans can help you avoid falling into this “RM76 trap”.

One of the most popular budgeting rules out there is the 50/20/30 rule. It was created by the mother-daughter tag team, US Senator Elizabeth Warren and her (probably) favourite kid, Amelia Warren Tyagi. In fact, they wrote a whole book about it: “All Your Worth: The Ultimate Lifetime Money Plan”.

We know a lot of you are lazy to read the entire book so we have done the hard work for you. 
Peter parker reading a book | I GEDDIT NOW | image tagged in peter parker reading a book | made 
The 50/20/30 rule has been recommended by the likes of Forbes Magazine, Investopedia and NBC. It’s so popular because it’s easy to understand, simple to use, and leaves room in the budget for fun. Yup, you read that right - FUN! Allow us to explain.
 
The Three “F”s
This rule is a percentage-based rule which, according to its creators, is suitable for ALL income brackets. You simply have to divide your total after-tax income into three “F”s.

The first F, which should make up 50% of your income, is for your fixed costs. The second, at 20%, is for Financial Goals. And here’s the FUN part: the last F, a whole 30% of your monthly moolah, is for whatever your heart desires!
 
And here’s the Step-by-Step
Step 1: Calculate your after-tax income. If you have a regular income, just look at your payslip. If you are self-employed or a freelancer, calculate your average monthly earnings after taxes.

Step 2: Calculate your fixed costs. This should ideally be within 50% of your after-tax income. If it’s more than that, take a hard (and yes, we know, painful) look at your expenses in this category. Can you downgrade your internet plan? Find an additional housemate to reduce your house rent? Whatever it takes, man!

Step 3: Calculate the amount that you normally set aside for items under the financial goals category. If it does not already reach 20%, assign more of your income into savings or investment.

Step 4: Go crazy with the remaining 30%!

Too good to be true?
Easy to understand? Check. Simple to use? Check. Fun? Most definitely check!

BUT (and there’s always a but): many people have pooh-poohed the 50/20/30 rule, saying that it is not as universal as it claims to be.
https://i.imgflip.com/2ov3t5

Firstly, living standards may not be the same everywhere. For example, the cost of rental and groceries in KL or Penang would be considerably more than, said, in Kuala Terengganu. Hence, allocating 50% for fixed costs may be too much or too little depending on where you are based.

Secondly, some (boring people who don’t like to have fun) complain that fun should NOT be prioritised over settling any outstanding debts and savings. They argue that by keeping only 20% aside for financial goals, this drags out debts longer (which is never a good idea) and diminishes your long-term financial security. Well, they may have a point there.

And finally, the 50/20/30 budget may not make sense for every income bracket. While it may be quite suited for most of us middle-income earners, low-income households may have no choice but to spend more on fixed cost essentials (as seen in the Khazanah study above). Likewise, if you are a high-income earner, you may have a hard time finishing your very large 30% fun quota every month! 
 
A Budget That Works for You
Don’t tell the Warrens, but we think it’s perfectly okay to tweak the 50/20/30 rule to suit your own financial status and priorities. For example, those in high-cost-of-living areas may decide that a 60/20/20 budget makes more sense. Those with high debt may want to swap around the percentages for financial goals and (maybe less) fun.

And for those who have a really hard time trying to save anything, there’s a rule for you too! The 80/20 rule gets you to put aside 20% of your income in a more inaccessible savings account (like Amanah Saham) as soon as you are paid, leaving 80% for absolutely everything else.

Whichever budgeting rule you choose, the golden rule for making it work for you is to stick to it! Get a buku 555, a budgeting app., or a very strict spouse to be in charge of finances – and NO CHEATING, okay! 

Source: Loanstreet

www.mqbusinesswealth.com

#开工大吉🍊🍊🍊#身体健康💪#生意兴隆💰💰💰#步步高升🎋#诸事如意😀😁😎#六六大顺🏮🏮🏮#🌸🌸🌸#🍍🍍🍍 ... Read moreHide

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