Best Wishes & Congratulations
Mr. President S R Nathan
President, Republic Of Singapore(19 August 1999 - 31 August 2011)

Published Article On " The Business Issues - Real Estate Investment " On January 2010

On January 2010, Sean Toh, wrote and published an article - "Understanding The Real Estate Cycle Or Lose Your Investment Dollars To Educated Investors!", on "The Business Issues" which provided investors with some simple financial advices allowing them to understand the Real Estate Cycle as global real estate started to form real estate bubbles in Asia when the American and European economies were showing and already experiencing signs of financial crisis.

Other Published Article - " Taking The Fear Out Of Retirement"

Nanz Chong
Author | Writer | Speaker | Founder of ONE.99.shop

Best Regards
Nicholas Tan

Nicholas Tan is the author of "Handbook On Forex Trading - An Easy Guide To Profitable Currency Trading" and he has more than 13 years of experience in the treasury departments of major banks. Armed with a degree in business administration from National University of Singapore in 1989, he started as an assistant dealer. Working his way up to Vice President, he made millions for the banks he worked for. Since 2002, Nicholas has been trading his own account and has coached numerous individuals on Forex Trading. With five years of personal trading and 13 years trading for banks in Singapore, Nicholas has a wealth of experience and knowledge in Forex Trading.

Dear Sean,

         I have just received your book "4 Steps To Financial Freedom" which you sent to me. It contains a good deal of information which is quite unknown to the layman. I wish to congratulate you for a timely and well written book. I shall look forward to your further contributions.

Best Wishes
Datuk Pual Chua
Executive Assistant to President & Vice President for Asia IFBB (International Federation of Bodybuilders)
Secretary-General - ABBF (Asian Bodybuilding Federation)
President - SBBF (Singapore Bodybuilders' Federation 1978-2007)

I just finished reading your book 4 Steps To Financial Freedom. It's definitely a healthy and wealthy read which nourishes the mind, body and soul.

Dr. Rita Goh is the founder of Aspiron Services, provider of a suite of counseling services. She has written two books, "Back from the Brink of Insanity" and "Hack Attack". She has spoken widely on the topics related to mental illness and the human aspects of  IT security and her true story has told and film in Channel 5 - "True Story". She holds a PhD in Business Administration and a MBA from Preston University (U.S.A.). She also has a Bachelor in Communication and Media Management from University of South Australia.

Dr. Rita Goh
Founder
Aspiron Services

Hello Sean,

I have received your book. What a surprise. I knew you have a keen interest in financial education but did not expect for you to write a book! Congratulations, it looks well done. 

"One of the most inspired book I've read. The author stresses a good combination of healthy lifestyle together with a good investment plan which proved to be a successful formula. His proven track records and experiences clearly shows he is not a fly by night rookie. It is a must read book for those who are sincerely looking to re-organize their financial approach and thinking."

Joseph Foo
Sales Manager
Jesslee Shoes Pte Ltd
Footwear Licensee For Pierre Cardin, Disney, Winnie, The Pooh & Garfield

"True wealth is the power to give. Freedom is about believing in yourself and applying the simple wealth-building techniques. I highly recommend this book! It is a must read for everyone wanting to be successful in their financial journey."

Eileen Ang
Educator For The New Age

"4 Steps To Financial Freedom" showed me the meaning of true wealth and gave me so many good secrets and powerful strategies on how to increase my income and wealth. Sean has undoubtedly showed me one of the best wealth building strategies to make me a better, motivated, hungrier and more goal focused person. "4 Steps To Financial Freedom" has empowered and given me great confidence and a renewed driving spirit to make a major shift and transformation towards achieving my financial & life goals to be who I really want to be.

Wain Khoo
Ex-Banker, Physical Education Trainer, Adventurer & Tri-Athlete 

"4 Steps To Financial Freedom" is a well published financial guide book that offers easy-to-follow secrets for those who are having problems managing their personal finance. The guides on proper financial planning and managing those investing risks are so useful that I think most Singaporeans don't know enough to start creating a small pot of wealth. Creating those wealth takes time and having a health plan to support and take care of our health is so important in order to let time compounds those dollars. A well published and easy to read financial book unlike any other financial book!

Halim Gafoor
Student

Hi Sean! 

Sorry it's taken me so long to get back to you with your review. I have been terribly busy finishing up 3 books and an anthology. Dead lines you know?

Anyway I had Liz help with the review. I posted it on my blog page. We gave your book 5 stars!  Very interesting read and believe me, we ladies loved the pictures!

Thanks for sharing your book with me and if you don't mind, I feel my son would benefit from reading your book so I will give it to him to learn from.

If you would like me to read and review other books of yours or if you have other friends/authors who would like me to read and review their work please feel free to give them the mailing address I gave you. I would be happy to help.

Have a great week.
Hugs

     Some of Tiva's books

Tiva Wallow
Author, Reader, Publisher, Affiliate Agent of Booksville Literary Reviews & Founder of Florida's Published Authors Tour Group

Tiva currently have 7 books out. Her main genre is romance but she is branching off to try her hand at other genre's. She has a family/humorous, a children's spiritual and an erotica romance. This year she has about 3 more books released with one of them being a paranormal erotica. She was born and raised in Florida and has done a great deal of traveling the US and Europe. She is the founder of the "Florida's Published Authors Tour Group" which houses authors from all over, not just Florida!

Sean,

I started reading your book "4 Steps to Financial Freedom", and couldn't put it down. Your personal story, combined with your knowledge of nutrition, fitness & strategies for financial success were right on. The simple system you designed is easy to follow. The key steps you outlined can help anyone achieve financial success, and be healthy enough to enjoy it. Thanks for sharing your 7 secrets to enjoying wealth and how to achieve optimum health along the way. Inspiring and empowering others to bring balance to their lives.

Sean, you walk the talk, your physical muscles match your financial muscles!

Lori Jones

Fitness Professional

Red Mountain Adventure Spa

Sean Toh's 4 Steps to Financial Freedom is an inspired book which makes an often difficult subject interesting and fun to read. Mr. Toh pulls from his own experiences to stress the importance of building a healthy life foundation on which to build your wealth.

I was particularly struck by the emphasis Mr. Toh put on sharing wealth. In Step 4, Secret #3, Sean says "Learn to give because you have been receiving from others, and it's your way of saying thank you."

4 Steps is an enjoyable book with the personal touches that make a good book great. I found that despite the cultural differences (given that Sean Toh lives in Singapore, and I in the States) much of what was said was relevant. This is the perfect starter book for someone seeking to educate themselves in wealth creation.

Meghan Wier

Author | Writer | Speaker | Web Consultant

Author of Confessions of an Introvert

See Review At Amazon.com

Char McAllister,
Recording Artist

Ying Xian (Current ITE College East Student)
Participant of "Planning Ahead For Your Financial Future" Workshop

Sean is a dynamic speaker who engages the audience with a clear line of
thought leading them to draw their own conclusions from his sound
fundamental investment advice.

Marcus Wong
Director (SMART Investment & International Property Expo)

Teck Wei
Volunteer of "MONEYWISE CARNIVAL 2008"

Susan & Peter,
Our Beloved Sister & Friends

Rgrds
Khader

Hi Handsome Sean, 

First congrats to you because in my entire life, your book is the only one I manage to complete reading!! I hated reading nor can I ever finish reading a book because it makes me sleepy(probably genes-late father's side I think) or just hate reading. I thought I was more like a visual person, you know those kind the prefer visuals... Let me just share something with you. I am 39 years old and not rich(Not even close to it). Am divorced from a failed marriage and I don't have kids(would love to have them). Was retrenched twice and terminated once in my career. Lost a loved one thru suicide amongst others. And there was a time when I had debts when both me and my ex-wife was not working. Once I did not even have enough money for food and had to eat bread(costing 30 cents-Cheapest around) for about few days before my next pay check. But looking at others, I always am appreciative of what i had.

Now I have that burning desire to change and focus. What started me going was when I saw on TV on CNBC about Millionaires Mind where Robert Kiyosaki was on the programme with a few other self made millionaires. That was then that I decided I will change. First thing I went to popular book store and browsed around. I was always skeptical about foreign authors because I always thought they did not understand our local context of being Singaporean. But I said I was gonna at least look at Napoleon Hill Books. But I wanted someone local, someone who is going thru our systems, way of life and environment. You can't imagine how excited I got after I came across your book. I read the back cover and then read a few pages and then it was history. Bought the two books(yours and Napoleon hill) and went home and guess what, I actually finish reading two chapters of your book. Considering what I told you, I have completed reading a book. I am now reading it again and looking at important points and making plans to take appropriate actions. I got nothing now but I am gonna do everything in my powers to help myself. At 40 years old next month, I am starting my life all over again but at least I am gonna do this time and it will be better in my 40s. But now I am financially better and I know, its really the start when normally passion to super high. But I got this very very strong desire to make sure actions speaks louder that words.

I am writing to thank you because your book inspired me and gave me lots of directions and pointers. You asked us as readers to look for mentors. I want you to me my mentor. Though not on a personal basis but please keep your books coming and your work because I am gonna a great follower and fan of yours. Incredibly I shared with a friend today and she is gonna buy your
book too!! So actually I writing to you to also collect commission... (-: Ok kidding, just looking into new ways to make $$$, so you see it is already working on me. I am gonna keep writing to you to keep you posted on my development(If you don't mind, never mind if you are unable). I am starting with virtually nothing and with debts. I want to write to you because you inspired me and you came to my aid. Thanks a million sean. I wish you, your wife and your two girls all the best and may god bless you for your work. Hope I can meet you once I am doing better and it has worked for me.

Thanks,
Omer Farook

Dear Sean, 

Good morning to you.

I have bought your excellent book and has just completed reading it. Thanks for writing this great book which I find is a great treasure for all readers. I would like to find out more of your investment skills and whether you have any sharing sessions or conduct any classes to learn more on financial freedom. 

I can be reached at e-m ckoh@income.com.sg or my h/phone 97631902 

Thank you.

Best Regards,
Charles Koh

Hi Mr. Toh, 

My name is J.S. I've just started reading your book '4 Steps to Financial Freedom'. I agree and like the principles that you share about in your book. As I'm currently waiting for enrolment into a degree course in August next year(which left me with about half a year before school starts), I wonder if I could have the pleasure of having you as my mentor to guide me in this journey towards financial freedom?

From: J.S. Ang,
Email: ajs6484@hotmail.com

Hi Sean, 

This is Leslie here, from your polytechnic days !

Kar-Teck (remember him ??!) and me (you remember me ??!!)kinda clicked with you and did our own rendition of bodybuilding next to your serious gym-escapades.
I remembered I went strictly for bulk and Kar-Teck I have no idea !

By the way I had come across your published book (4-steps...) in the bookstore and was greatly surprised by your initiation into serious writing. I had since read your book and found it very enlightening, especially in your co-relation on bodybuilding with financial success.

Looking at your achievements and family, I certainly got to understand you better since those days of schooling. It has not been easy for you but I'm glad you have had made a turnaround to striking a chord in your financial pursuits and freedom.

Me ? Im still single after all these years. Having gone through 2 relationships (no marriage and sadly parted with grace with no kids, thankfully), I have however turned out none the worse for wear. Kar-Teck had since gotten married to a Hong-Kong wife and has a kid too ! Guess its a different life for everybody ya!

Things aside, coincidentally I am at the stage of my life where I would dabble in investments. Primarily in real-estate. The current market sentiment deems one to be cautious, especially where rental yield and profitability is a major question in every investors' mindset.

Moving forward it is good to hear from you again, although not in the same context. Do keep in touch, as I sincerely believe in serendipity. Especially in friendships fostered long-ago.

Take care my friend.

Regards,
Leslie Lee

Hi Sean,

Good day to you, and thanks for the call earlier.

It's real good to hear from a friend, from long-ago. An understatement actually. What has it been ? 15, 16 years back ? Wow.... Time certainly flies and I guess we certainly have our own life's journey to tell one another.

Kudos to you, on your continuity of a sequel (s) to your first book, which I thoroughly enjoyed. I wish you abundance strength and courage, together with life's precious gifts to keep and hold dearly.

Do catch up again. Perhaps over a cup of kopi-O.

Regards,
Leslie Lee

Dear Mr Toh,

Thank you for your book "4 steps to financial freedom" which we received through Mr Winston Hodge. Your book is now available to our RJC staff and
teachers in the Library.

I am happy to find the topics included on health and developing a positive mindset because these are, indeed, important factors in attaining financial health. I'm sure our staff and teachers will enjoy the book as much I do.

Once again, thank you.

Regards,
Joanna Yu
RJC Librarian
Tel: +65 6419 9896

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