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Book: Smart Money-User
A
Practical Money Book for Today's Young Adult Lifestyle
This simple, easy-to-use practical money book is
specially designed to help young adults handle money efficiently so that they
will take the first correct steps towards achieving their money goals and a
secure future. It includes exercise worksheets for young adults to get hands-on
experience and start earning their first million dollars. The best investment they'll
ever make!
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Students in Free Enterprise (SIFE) is a global, non-profit education
organization which carries the value of improving the quality of life and
standard of living around the world by teaching the principles and values of
free enterprise. Established in 1975, SIFE is now on 1600 campuses in 51
countries worldwide. Our mission as SIFE-ers is to change the lives of the
community by conducting entrepreneurial projects. Our projects, unlike some
other community outreach programs, are targeted in helping people understand
about global market economy, financial literacy, and business ethics. We felt
like there is a need in the society that it's about time that young adults
understand how to manage their money, and I find that your book is the best
source! I find your book "Smart Money-User" is very beneficial especially to
young adults who are clueless about managing their money. Congratulations in
producing the book!
~ Putri Nurul Ain
President, Students in Free Enterprise
Universiti Teknologi Mara (SIFE UiTM) ~ |
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eBook (146 pages) - PDF version |
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 Downloadable eBook
USD $12.00
(964KB) |
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Paperback (146 pages) - deliveries via regular post |
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Also available at Borders, Kinokuniya, MPH, and Popular
bookstores throughout Malaysia and Singapore |
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Regular post delivery metro Kuala Lumpur area
USD $15.00 + shipping & handling = USD $18.45 |
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Regular post delivery within Malaysia
USD $15.00 + shipping & handling = USD $19.30 |
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Regular post delivery Singapore & rest of Asia
USD $15.00 + shipping & handling = USD $19.10 |
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Regular post delivery Europe
USD $15.00 + shipping & handling = USD $20.00 |
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Regular post delivery USA, Canada &
rest of the world
USD $15.00 + shipping & handling = USD $21.10 |
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Paperback (146 pages) - deliveries via DHL courier |
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DHL Delivery Singapore
USD $15.00 + shipping & handling = USD $28.50 |
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Dhl Delivery Asia Pacific region
USD $15.00 + shipping & handling = USD $28.25 |
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DHL delivery USA & Canada
USD $15.00 + shipping & handling = USD $38.25 |
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DHL delivery Europe & Middle East
USD $15.00 + shipping & handling = USD $50.25 |
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DHL delivery Rest of the World
USD $15.00 + shipping & handling = USD $75.40 |
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I have read your book "Smart Money-User" and found it useful for my daily
life. Some of the Chapters I plan to read again more closely, so that I can
practice my money management skills. I'm happy for the younger generation,
because they are being taught to be money-wise and how to plan. It is good to
start at a young age ... and it's never too late to start even when old!"
~Zinne Chew
Age 23~ |
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This book contains enlightening money concepts especially looking from the
psychological aspect. When you see the concepts in the book, it's like finding a
pearl in an oyster. Everyone should get one and read it!”
~Frank Ngoh
Managing Partner & Principal Consultant
Entrepreneur
Oasis LLP (Singapore)
(one of Singapore's leading financial management trainers and consultants)~
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"To
the majority of today's
 young adults born in the so-called "Generation Y", money
was never an issue until now! Whether earning their own money or inherited from
family wealth, managing money may not be their best interest and strength.
Unless they learn how to deal with money quickly and early stages in life, young
adults are at high risk of not being able to be financially free when they grow
older or become parents themselves.
This would mean the end of their affluent lifestyle they have known most of
their life! That’s when Carol Yip’s Smart Money-User book and education program
come in ... it's the ideal first stepping stone any young adult should take
before embarking their journey into the real world, so that they can learn good
money skills and be financial intelligent to continue enjoying the lifestyle
their parents have provided for them all those years!"
~Dr. Ivan Misner, Founder and Chairman — BNI~
Click here for a glimpse inside Carol Yip's
Smart Money-User book.
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The importance of money cannot be overstated and yet far too frequently we
find ourselves slaves to it. We spend without thinking, choosing instead to
fulfil some emotional need to feel good. It is like chasing a fix, searching for
a high. Money makes us feel good. Advertisements tell us how to spend money we
don't necessarily have, sending us all the wrong messages. It is about time
someone started telling us how to manage our money. Carol Yip's book stands out
for this reason and for the fact that it is targeted at the young. many of us
only find out way too late in life that we may have spent our future away, and
it is important that we learn to manage our money the moment we start earning
our first pay cheque.
~Leslie Lau
Journalist, Straits Times, Singapore~ |
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More testimonials
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"Carol has always been passionate about financial coaching since I first knew
her. She is never selfish in sharing her experiences and knowledge about
managing money. Carol takes time and earnest effort to put across the idea of
the importance of spending wisely and planning ahead for one's future.
Publishing Smart Money-User is her way of spreading this positive message to as
many people as possible, especially the young adults. Lots of effort was put
into this book. Using different approaches from human behaviour and emotion
helps to make young adults understand money issues better, especially when it is
delivered in a lively, interesting, easy and applicable way."
~Ho Chai Yoke
Editor, Oriental Daily Newspaper~ |
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"More than just a workbook — financial awakening
for the young starts here!"
~Steve Teoh
Editor 4E Journal
Financial Planning Association of Malaysia~ |
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"Smart Money-User is a GREAT book with tons of valuable information and
practical exercises in one. Really hit the nail on the head for young adults -
and really it's probably the best book on financial planning I've read because
of a few other factors - it's very well structured, extremely readable and easy
to understand. This book teaches you how to be wealthy as soon as possible,
starting from the time even before you're ready to earn a living for yourself.
Be aware that you can dive into the book totally broke and clueless and emerge
totally rich and full of clarity as its many pages contain very simple but
awesome money-making principles that you can immediately and easily apply to
your life right now. I only wish Carol had published this book earlier because
so many more people would have been better off financially by now, but I guess
better late than never. Get this book now!"
~Sen Ze
One-Of-A-Kind Internet Entrepreneur/Coach~ |
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"Carol, your Smart Money-User book is a very light and practical book and I
guess anyone can finish reading it within a day or two. I read quite a number of
financial planning books but there are some points which you brought up hits my
head very hard. I started to work on my retirement fund calculation having
completed reading your book. I had a life shocking moment after computing amount
of dollars needed for my retirement fund. The calculated figure is solely for
myself excluding any of these scenarios: have family/kids, illness, natural
disaster. Indirectly, it says, I need more dollars in my retirement fund if I
want to be financially free. Could never believe it. Actually, I am grateful to
find out now although I wish I could be taught about it much earlier. I seen
many people around me tend to buy things unnecessarily, or put it this way spend
based on emotion. Can't blame them because I have my weaknesses as well. In my
case, I am very eager to invest and sometimes, I got myself burnt. Mom got so
worry about me and I need some advices from you. The key point (as you
highlighted in your last chapter) is to take action. Nothing will happen if we
sit and wait. Take action with guided advices" ~ Lindsey Lee |
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What readers say about Carol Yip's book
" ... this book is inspiring ...
~Robert French
BNI National Director, United Kingdom~
"Smart Money-User is well thought out and the workbook approach compels the
reader into action. When I first started out as a young adult in the mid-80's,
my tertiary education was complete but my financial education was just
beginning. How I wish I knew then what this book teaches me today!
A book like
this is a must read for any young adult embarking on life
after school."
~Looi Kok Kheong
President
Year 2006 - 2007
Rotary Club of USJ~
"This Smart
Money-User book has certainly taught me a lot of things about
money. It has also helped me to understand the relationship between me and
money, that is.... money and I work together! This book has also inspired me to
write
a book!"
~Vania Quah
Student, Age 14~
"I believe Carol's Smart Money-User has captured the essence of what being
money-wise is all about. A practical road map for progressing beyond happiness.
Any young adult who aspires to be happy, should read this book".
~S.K. Bhadra Freelance
Writer and Director of Union
Metal Sdn Bhd~
"Carol Yip's Smart Money-User is a gem of a book! It will stand out as one
of the most useful guides to money management, both for the young as well as the
"not-so-young"
~Yau Jin Rin
Writer and CEO
Athenium Capital
Sdn Bhd~
"Your
Smart Money-User book is very easy to understand because it's written in very
simple English. The words are very basic and most of the people can easily get
your point. Secondly, your example between our brain and a computer is very
impartial and most young adults would easily get your message. Another point I
like to point out is your book has a strong temptation for me to keep on
reading. It is a good sign when a book is that compelling."
~Stephen Mok,
Managing Director
Onland (Hong Kong) Ltd~ "I find you very
knowledgeable on the subject matter and your book covered all aspects of money
management in great details. It is a complete guide and manual for young adults.
For people who realise the importance of money management, this book will give
them a complete solution!"
~Avryl Au
National Director
BNI Malaysia, Thailand & Hong Kong~ "Unless you have inherited a fortune to last a lifetime, this GEM of a book
is a must read for young adults starting out."
~Richard CM Wong
Chairman & Chief Listener – TEC Asia Centre~
"I found your Smart Money-User book delightful. You have put together a
well-structured blueprint to help young people get their financial house in
order. Congratulations!" ~Rajen Devadason
Author & Certified Financial Planner~
"Finally, a simple and down-to-earth financial book that is both practical
and easy to follow. Carol has successfully made financial jargon easy to
understand for people in the streets and more importantly a way to get out of a
financial rut. Well done Carol! "
~ Wai K Leong PCC, CPC
Managing Partner – JMC Consult Sdn Bhd~
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