The Master and His Three Servants
(Adapted from Luke 19)

The Master called three of his servants and gave them ten minas* each. “Put this money to work”, he said, “until I come back.” After a long journey, the Master finally returned home. Then he summoned the three servants to whom he had each given ten minas, and called for each of them to account for the money given. The first servant came and said, “Master, I have put your money to good use and I have earned ten more minas for you.” To this the Master replied, “Well done, my good servant!” “Because you have been trustworthy in small matters, I am also able to trust you in bigger matters. I will make you take charge of ten cities.” The second servant came and said, “Master, I have put your money to good use. Your minas have earned another five more.” His Master answered, “Good servant! Since I can trust you with small things, I am also able to trust you with bigger things. You shall take charge of five cities.” Finally the third servant came and said, “Master, here are your ten minas. I have kept it laid away in a piece of cloth. I was afraid of you because you are a hard man. You take out what you did not put in and reaped what you did not sow.”
The Master was furious and said, “I will judge you by your own words, you wicker servant! You knew that I am a hard man – taking out what I did not put in and reaping what I did not sow. Why then didn’t you put my money on deposit so that when I return, I could have at least collected it with interest?” Then the Master said to those standing by, “Take his minas away from him and give it to the rest.” 

The message is clear that we have a great responsibilities when we have asset and it doesn’t matter big or small – we need to be educated and we need to find ways to make sure that our money goes to work and not spent it on asset that are liability status.


The ten minas represent the resources that we have been entrusted with. All of us have been given a certain amount of time, energy and money to manage. If we do not manage these three important resources with prudence and take charge of them with good stewardship, we will fail in a similar manner as the third servant. We have to take responsibility and accountability over the resources that have been preciously entrusted in our hands and not give excuses for not doing so. How did the first and second servants multiply the resources that have been entrusted to them?

– What were their skills?
– How much risk did they take?
– What were their strategies?
– Where did they draw their wisdom from?

Let me bring you on the journey of discovery!

My Life is A Gift

If I were to recount to you my entire life story, it would probably take several hundred pages. I am not about to do that. I will be simple and bring you through a myriad of eventful checkpoints in my life. I sincerely believe that you will find the experience as heartfelt as I have experienced them and I hope you will benefit greatly from the lessons learnt during these moments so real.

Born in 1961 in the eastern part of Singapore – a place called Changi where the present Changi International Airport now stands, I have 6 sibilings, namely 4 brothers and 2 sisters. They are the most wonderful people in my life. I was born fourth into the family, being the most active and naughty one. Being caned ever so often for my mischievous ways, I was well on my way to being a battle-hardened soldier with a stone cold heart. I soon grew immune to the pain and threats of the cane.

Growing up in a “kampong”(village) environment allowed us to enjoy a simple, fun and carefree lifestyle in our growing years. In those days, we did not have the luxury of engaging in activities like reading newspapers or watching news over the television. Back then, I even thought Changi encompassed the whole of Singapore and that it was the whole world. How naive of me! It is a universal fact that a small country like Singapore simply cannot stay nostalgic forever. It definitely needs to progress with time in order to grow more competitive economically, in order to provide its people with a good standard of living and a bright future.

From my Geography lessons in school, I soon came to realise that the world was a much bigger place than what I had conjured in my imagination and Changi was really, just a very small dot in our small country Singapore. There really is a whole new world of opportunities out there yet to be explored. If my family and I were not going to venture into new horizons, we would definitely be missing out on a great deal of opportunistic possibilities. As a young boy at the gentle age of 12, I embarked on my journey to be a millionaire- well at least in my dreams and visions first. I figured that in order to reach my goal, it was necessary to:
1. Have a plan
2. Identify my resources
3. Allocate my resources in the right places

Right from the start, I guess I did possess what most millionaires did-  THE COURAGE TO DREAM BIG!
Warren Buffet- now the second richest man in the world- once said when he was but a young boy, “I don’t have much money now but someday I will and I’ll have my picture in the paper.” Indeed, he is a living legend today in the investment, financial, corporate and even, in the philanthropic world.

Now let me answer my previous questions


  • What will you do if you were me? – take charge of your life and don’t quit and start mixing around with people who have character and values, read the right books and watch the right movie as these are the things that will make you who you are moving forward
  • What will be your options? – Start a financial literacy education – choose a school that fits you or you can always go to finwaze free education @
  • Who will you look for advise? – Good options will be for you attend as my many convention and courses so that you can decern between good advisers vs. bad advisers. Good education will eliminate your risk of choosing the right wrong adviser.
  • Why me God? – Why me question is self – pity and I GOT OUT OF IT as fast as possible; born poor I understand but to die poor and self-pity is a direct insult to my creator who has created me in his own image.

I will share more of my stories in my part 3 of my life and the answers for the 3 questions?

If you give up; you actually insulting God for creating you. Think about it.


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