Just a normal family man who loves his family.
I want to share my journey with you and your family.
Doctorate in Engineering, applying my research and analytical skills into shares investing. Financial maths is easy for me. Many clients have endorse my Layman’s style of simplification to keep investment as simple as possible.
Here to provide education and help you build that confidence to start your own self-mange investment. I want you to take control of your hard earn monies. Also sharing everything which the financial people do not want you to know!
Back in 2011 after we got married, I had a good high salary secure job. However with the arrival of our first born child, we still struggled financially. I’ve always blame my job for not paying me well enough and quit my job for a six figure salary.
Even then I was still struggling to save money! I was always in credit card debt and bought more things than I ever needed.
TIME FOR A CHANGE! The Oil Financial Crisis hit in Early 2015! I was close to losing my job, I had to accept half my salary to survive in the current climate. It was a financial shock to the family. Home budgets were slashed right across the board. Started emergency funds in case I lose my job. It was an uphill struggle.
That is when I started learning more about investing and wealth building. Elimination of Debt and Financial Flexibility. Despite making half what I was making before, I was actually saving three times more.
The formula was simple!
Save before you spend.
2 saving pots – Emergency Fund and Investment Pots
Passive Income Investment
Side Hustle for more money
Enjoy the Journey
‘Coo’ is a Scottish slang word for Highland Cow. Scottish Highland Cow are unique with their long fringe hair across their eyes which looks very fashionable comapred to other breeds of cows.
I choose Moo Moo Coo for my blog title is because of two main reasons
Cow or Bull symbolises the prosperity positive upward trend financial market.
This website was born in Scotland and Coo is a symbol of family harmony.
My dad always reminded that family is our number one priority regardless the size. As a father I started understanding the importance of providing the best to my family. The number one ingredient to keeping it all afloat is 'TIME'. Time investment is the most important factor regardless of your occupation and hobby. Lot of sacrifices is accepted to put our family ahead of everything else.
My dad also strongly emphasis that we need to ensure we have enough rainy day savings for any life surprises. Its always better to have issues which money can deal with than problems which we cannot control. We still need luxuries in our daily lives to remind us to learn how to make and earn more money as we go along and never ever stop learning.
"Not Enough Money is Root to All Evil" - Robert Kiyosaki
You are not a rich person until you savings and control your outgoing finances. The Aston Martin, Marble kitchen floor and 20m yatch does not count as they depreciate in value over time. A Rich person is one who can control grow his savings and provide the minimum for their family.
A young family should have enough savings to cover for 6 months basic expenses in case the bread winner loses their job.
Never ever leave money 'under the bed' as they do not grow and loses its value from inflation. I started investing when my first child turns two from a long term investment guru whom have grown her investment to support her child's university funds. Savings alone can only take you so far and investment provides a steroid effect if applied correctly. We must always understand the risk in investments as mistakes can cost the entire capital.
"We need to find a second source of income while we sleep or else we will be working forever" - Warren Buffett
Do you know that an automatic shares portfolio of yearly 7% annual returns can generate income enough to cover our yearly expenses. When this happens you have achieve Financial Freedom and can officially retire. Many millennials have achieve this success before the age of 40.
Millennial Retirement means spending your 9-5 time doing the things you love instead of a day job!