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Detailed Analysis Report
Analysis is based on your selected answers.
Q1, Q2 & Q3
Q1 a, b, g and f with Q2 a, b and c, and with Q3 a to f
You realised that there is something wrong with the existing recruitment system but you can really figure out why.  However, you still continue to look for better pay and benefits, climb up the corporate ladder
Q1 g with Q2 b and c, and with Q3 a to f
You have your shop or business of your own, but you don't figure out why you are still continue worried about your financial security.  You simploy do not have much time with family or go for long vacation.  You can leave your shop behind because you are too worried about your customers or maybe you would like to provide, if possible, 24-hour a day, 7-day a week continous service to your core customers.
Q1 c and d with Q3 g
You understand the concept of business world and play the money games well.  You understand that being an employee there is no wealth, financial security and freedom.  You control the money and time well.  Some of you maybe still making your business system to work for you, but you are sure that there is a great return in your desired years.
Q4
b and c
You are facing some financial difficulty.  Your saving is much smaller than your monthly expenses and liabilities.  You have found yourself lesser and lesser time with your love one and cut down your social activities (maybe none at all).
d and e
You are having some minor financial difficulty, however you do not know how to solve your current difficulty with your current full-time career.  You have some commitment that beyond your long-term abilities, therefore you chose to have part time.
Q5
Q5 Part 1 - a and b with Part 2 - a to c
You are controlling your inicome well in which you have lesser liabilities.  It enables you have controlled over your time for this moment.  You maybe rich or still single.
Q5 Part 1 - a and b with Part 2 - d to f
You are controlling your income well in which you have lesser life liabilities but you didn't spend a beeter lifestyle.  You controlled fairly of your time for this moment.
Q5 Part 1 - c and f with Part 2 - a and b
c to e might experience some financial difficulties due to great monthly expenses and liabilities.  However you do not have much planning of your own financial and living in a lifestyle that your income doesn't support.  You prefer to pull through every month without any ambitions.

f is having a great financial problem.  You cannot afford to have job lost or disability to work or health problem.
Q5 Part 1 - c and f with Part 2 - c and f
c to e might experience some financial difficulties due to great monthly expenses and liabilities.  You have shouldered up a great liabilities such as house, loan, etc.

f is having a great financial problem.  You cannot afford to have job lost or disability to work or health problem.  In your life, you don't expect anything bad will happen to you.
Q6
a ii) You have a plan to retire young.
a i, iii to iv)  You are thinking of retiring but do not plan for it.

b iii & iv)
You are planning to retire and still working up towards your goals.
b i, ii, v, vi) You don't ever thought of retiring young and have no initiative towards
                    financial freedom.

c, d & e i & ii) You don't understand the money games and you continue to feel or
                        finally concluded that working permanently is the only way out.  You
                        might find another job after your retirement.

c, d & e ii & iv) You do not think much about building your own business.  What you
                          are waiting is the retirement and properly your pension and retirement
                          funds.
Q7
a
You are an employee, the insurance coverage would be your very wanted financial security.  However you are shouldering up a very heavy burden through your life.  But for you, it is very important, hence the coverage should be more.
b & c
For whom he/she depends on family & saving (incl. CPF) after retirement, your family annual income and saving must be great to support your life after retirement.  You simply do not want to have $20 or $30 a day for your retirement life that would involving high medical and salso travelling fees.
Q8
a & b
You are treating or serving yourselves in the lowest priority.  All you think is to serve other people better such as paying other people first then paying yourself later.  This has somehow demoralised you and reducing your pushing factors.  You created bad habits.
c
You think that working extra could solve the financial problem.  In fact, you are sacrificing your time, relationship, family, social activities, etc which eventually created more problems.
d
You started to think how to leverage your surrounding factors and resources to solve your problems.  You think very positively to make yourself be able to do what you think you cannot do into a win-win situation.  You thought very carefully and your actions are great and efficient.
e
You think very negatively about your abilities and the things that you cannot do.  You even do not want to try to think and to solve the problems.  Maybe you are praying but without any actions.
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