Master My Finance

About Me

I’m Edward, founder of I am an avid reader of personal finance books, blogs and articles. I’ve also taken an interest in building affiliate marketing websites, which turned out to be an extremely rewarding experience.

My day job has nothing to do with internet and affiliate marketing, it’s just a weekend side hustle that I do from the comfort of my own home.

It didn’t come easy, though. For 2 years, I was trying out different ways to make money online and bought into various programs that promised quick profits. Needless to say, they didn’t work. That costed me $15,000 in total, and it was a painful experience.

Some people may relate to my misery, but I’m glad I had those bad experience under my belt. They keep me focused on what’s working, and stop me from chasing after the rainbows. Yes, I had the shiny object syndrome where I would even try out programs that looked shady.

That’s why I started this website to teach people the proper way to start an online business and make money from home.

With the rise of e-commerce and internet marketing, starting a business while holding a day job is no longer an impossible task. So in this website, I also write about starting your online business while keeping your job, because that’s exactly what I’m doing now.

I like to think of myself as a full time employee, and part time entrepreneur. Watching your very own business grow is the most rewarding thing ever!

Oh, and I have something more to say –

Over the years I’ve read numerous books about personal finance, and I’ve analyzed the strategies to apply to my own finances. This includes generating side incomes, keeping track of spending, saving money, as well as short and long term investments.

As much as they are useful, I found that there is a lack of comprehensive, step-by-step guide to build up financial literacy that is so essential to everyone, but remains a topic not taught much in schools. So I’ve compiled the Financial Freedom Series as a guide to manage your finances, no matter where you stand financially.

The need for a comprehensive personal finance guide


You will learn how to assess your financial health, tackle debts effectively, build up your emergency fund, and accumulate wealth using side income. You’ll also learn how to start your online business from scratch, if you wish to start a side income that will eventually grow into a full time income.

Lastly, you will learn how to convert your active income into passive income that can serve you during your retirement, and for the rest of your life.

If you are serious about improving your personal finance health, read on and you shall be on your way to gaining financial literacy that is useful for life.


Founder of


  1. Philip Kinney

    Hi Edward i am asking about boss capital i was with them for a short while i was not making any money with the broker that i had so i requested my money back guess what they sent my money to my account when i asked them ,$250.00 refunded to me is there anything else i should know about them ,they say they are from the UK what do you make of that what are your thoughts about it

  2. Sam is another ongoing scam

  3. Wai Thim Chan

    Would you care to comment on another investment scheme call Mface, please??

  4. Dawn

    Have you checked out 21 steps yet

  5. A friend introduced me to invest in SVI , a forex investment scheme. The Co have some investment and casino projects in Cambodia. what is your advise?

    • Hi Patrick, I can’t seem to find more information on the investment scheme. Is there a website or slides on their investment structure?

      In any case, I’d be extremely careful with Forex and offshore investments if I were you.

  6. PCS

    Hi Edward

    Recently i heard about MBI or M-phase thing. What do you think about this company? is it like the JJPTR too?
    Thanks in advance.

    • If you are talking about mPhase company (ticker XDSL), it seems to be a nanobattery company and it’s not any kind of scheme.

      I can’t comment much on investing into it as it’s a penny stock and I don’t look into individual stocks. Nowadays I only invest in low-cost index funds like Singapore’s STI ETF and U.S S&P 500 to diversify and reduce speculations.

      • Bang

        I believe the company he is referring to is MBI with its m-face scheme. I was approached last year to join but could immediately see that it’s a Ponzi just like JJPTR. The sad thing is that many cannot see and are blinded by promise of wealth…

        • Haven’t heard of MBI or M-face before, but the same criteria apply. If you’re approached for guaranteed, hands-off profits, better avoid it. Not even index funds and bonds can guarantee your returns.

          Also check with BNM (Malaysia), MAS (Singapore) and SEC (U.S) websites for more information about the investment firm. If it’s on investors alert list definitely avoid it.

          Thanks for the heads-up bang!

          Edit: Mface has been listed in the Bank Negara Malaysia investor alert list, so please stay away from it.

          • It’s called MBI international/M-face/MFC club. By teddy teow, according to sources he was the one who founded the red island cafe which was the same thing.

            I personally checked the BNM and MAS, there is no record of it. That is probably because no one reported it yet. Behindmlm already has a write up on it. It’s also very hot in penang because they apparently have their own mall, called the M-Mall. You should do a write up on it as well, because many are going for it. The young, the old all believe in it, praising it like a freaking cult.

            I know because people close to me are all very hyped about it

          • Thanks for the insights. Perhaps I should research more into it and do a write-up. I’ve been seeing alot more news about richway too, maybe more schemes are being exposed thanks to JJPTR.

        • Is not greed but dumb

          It originate not a scam but after fail investment it become scam just exactly like Ponzi (they do try to invest into shopping mall but fail miserly as Ponzi start with Coupon for postage stamping into scam)

          This is the only reason it is not mark by MAS or BNM (YET).

          I would love to see this bubble burst.

  7. David

    Hi Edward, what about Maxim Tader – claimed to be forex broker having licensed in NZ, ROI guaranteed, percentage depending on the package/amount you invested, range from 1K USD to 10K USD..actively in Malaysia and China market..also heard avout MaryKay company selling products of beauty and recently have a recruitment referral program also, lavishing with cars like Merc/Camry that they achieved..

    • Hi David, there’s no such thing as guaranteed ROI in any kind of investment (especially Forex). Maxim Trader and any other brokers (such as InstaForex) that offer this kind of packages do not guarantee the ROI. Read their disclaimer and you’ll find out.

      MaryKay is a multilevel marketing company, and you’ll need to purchase beauty starter kit and other products to promote to your clients (most people start with friends and family). Not to say that it can’t work, but those that achieve lavish cars are very established sellers that sell a lot of MaryKay products.

      If you have the confidence to sell, MLM may work for you. But it doesn’t work for majority of people as they simply can’t afford to pay a hefty sum for products at the beginning, and keep on hitting the month sales quota to get their commissions.

      From my own experience, the easiest and cost-effective model seems to be affiliate marketing (compared to MLM and other models).

  8. Anthony Smith

    Lots of useful information from your website!
    Looking at your profile, I find it safe to consult information about Internet Marketing!
    Keep up the useful infomation for more people to visit the blog!

  9. Durga

    Hi Edward,

    How Bout pfhsystem?

    • Hi Durga, stay away from that as well. I’ve reviewed it extensively here, and it is a binary trading software disguised as work from home job. Definitely skip it.

  10. Sam

    I just signed up with these guys, is it a scam?? I’m freaking out now

    • Hey Sam, it’s not really a scam, it’s a forex broker. In any case, I recommend you to be careful when it comes to trading forex because the vast majority of traders lose money.

      Trade only if you know what you are doing.

  11. Kathi

    I am looking at the Home Payday Vault. The marketing specialist is attempting to get me a scholarship to the one on one assistance to success.

    I am very tempted since it would assist me in growing a successful business. Is this kind of on line work that difficult?

    I was drawn in by a testimonial for this business by Cuban ? From shark tank. What would you recommend?


    • Hi Kathy, sorry for late reply. I couldn’t find more information on Home Payday Vault, and their homepage is devoid of any useful information as well.

      You should be really careful when you are dealing with opportunities that don’t fully disclose how they work. There are way too many scams online, so be careful.

      Did Cuban from Shark Tank specifically testified for Home Payday Vault?

  12. Amirul amrie amerrudin

    Hye Edward
    What do you think about the LexingtonCode and VXmarkets? Thanks

    • Hi Amirul,

      LexingtonCode is a binary trading software, and there is no profitable automated robot to date. Don’t waste your time and money with these robots.

      VXmarkets is a binary options brokers that allow you to trade binary options. I don’t recommend trading with binary options, because the odds are heavily stacked against you and it’s just like gambling.

      If you want to make legitimate money online, I advise you to take a look and understand how to start an affiliate marketing website instead.

  13. Super John

    Hey Edward,

    Super John here. Found WA through you somehow…. Very glad to know you, Sir. You seem to be giving great advice to people…


  14. star

    Hi Edward,

    what are your thoughts on QBITS- megaprofit system?

    thanks in advance big time!!


  15. Ion

    Hello, I wanted to ask you, when did you start your journey at Wealthy Affiliate?
    Thank you in advance

  16. Garroe Wah

    Hi Edward,

    What is your opinion about the “HomePaydayCenter” site? Up front $97 along with $83 to talk directly with the online guru then pay $5,000 using out of your pocket or apply credit card to join the board where you will get one on one training and they will work you through their very working system.

    • It has several key hallmarks of scams – paying $97 upfront without knowing what you’re getting, paying $83 just to talk to a “specialist” who is really just a marketer, and then getting an up sell of $5,000.

      No, please stay away from it. A legitimate online opportunity doesn’t operate that way.

  17. Terry Garnto

    Hi Edward
    What do you know of “” ?
    I had to pay 79$ to find out it would cost me 2K + 69$ month (12 months)for training. total of 3200$
    That’s on top of the regular web hosting fees of at least 180$ for 6 months and up.
    The other names associated with this name are “” and “” I think these are password protected.


    • Hi Terry,

      I haven’t looked at it, but from the sounds of it it’s a total rip-off, if not a scam.

      I’ll strongly discourage you from joining it. Anything that charges you a ridiculous amount without letting you know what’s inside should be shunned.

  18. Kabilan

    I wanted to know your opinion on citidel ltd which is a binary options auto trader. Thanks in advance

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