As we usher in the arrival of the Fire Monkey this year, it is a great time to put the past into perspective and learn from it. We should also not forget to look forward and plan for the coming twelve months and it will be advantageous for us to know what to expect from this fiery year.
In the year of the Fire Monkey, which begins on February 8, 2016 and ends on January 27, 2017, heated competition can be expected. Are you prepared to work hard and be rewarded? Dato’ Joey Yap, the founder of the Mastery Academy of Chinese Metaphysics and Chief Consultant of the Joey Yap Consulting Group, tells you how your Chinese zodiac will fare in 2016.
In terms of wealth, each of the 12 zodiac or animal signs below dictates the outcomes and its possible financial situations. Read on to find out tips and advice which you need to take on to get through this year in a prosperous manner.
2016 may be a bumpy ride for you which could see some of your plans derailed. However, there will be something positive you can derive from even the toughest of situations which will help you grow as a person. Problems both at home and at the workplace may leave you feeling emotionally distressed and this could in turn affect your health. Take the time to relax and some advance planning could help you deal with some of the more pressing issues. The well-being of your loved ones should also be on the forefront.
Wealth: Your savings could lead to losses due to your extravagant lifestyle or over-spending on trivial and non-essential things. In order to overcome this or reduce financial anxiety, it will be wiser for you to invest on essential items such as an education. Furthermore, learning to adopt a prudent and economic lifestyle is crucially important to mitigate this problem. You will also need to minimise the effect of unlucky omens or refrain from making risky decisions related to lending money to others, gambling or financial investments.
iMoney’s recommendation: Take it slow in your investment and do your due diligence before putting money into any products. Spend prudently and always ensure you have extra money to build up your contingency fund.
There will be much to look forward to for you in the coming year in terms of career and wealth. Opportunities will be aplenty in the form of business ventures – all of which are likely to lead to positive outcomes. Despite this, your health may be less than satisfactory. Communication problems may also stress your emotional state. Additionally, there may also be higher risk of accidents, burglary and financial losses; as such, greater caution is advised.
Wealth: Prepare for the potential financial loss that may be occurring this year. With that being said, it is likely to be a minor loss but nevertheless, you should try your best to prevent it. Instead of mulling over the loss, you are advised to focus on something else instead. It will be a wise idea to invest on skills, knowledge and expertise, something that will strengthen your resume and give a potential boost of income. Investment on high risk items are not recommended this year despite the seemingly lucrative return. Overall, your goal should be maintaining a steady cash flow and financial course and wait for the right time to make a move.
iMoney’s recommendation: Consider getting professional help to create a well-balanced investment portfolio to ensure a sustainable wealth accumulation strategy. Understand the investment product and the risks that come with it before putting your money in it.
2016 may not be completely smooth for you and there will be some hurdles to overcome. Pay more attention to the health and safety of your family members. When it comes to signing any agreements, it would be advisable for you to consider and analyse everything thoroughly before putting pen to paper, especially if it relates to money. It would be unwise to lend or borrow money this year and it would be best to avoid it altogether.
Wealth: This year does not seem to be as promising as it was before and the opposite outcome will take place. You will encounter a lot of troubles, hurdles and obstacles while trying to accumulate wealth. Additionally, your current financial status may be put at risk by these difficulties, making it harder to gain progress to obtain wealth. In such a situation, knowing how to spend wisely is a crucial skill to survive during these difficult times. Save for rainy days ahead to overcome this challenge.
Compare and research before making any financial decisions – be it applying for a credit card
or making a purchase. Mull over each potential purchase first before buying, if you don’t really need it, walk away.
If success is what you seek then it will be best to take good care of your health this year. Having a healthy mind means better productivity and that in turn brings positive results. You will not be short on helpful people this year and that implies your endeavours will enjoy a smooth progression. You will however, need to mind what you say and do as there is a chance it could lead to misunderstandings. Be extra attentive as there are possibilities of legal problems and accidents.
Wealth: Though there is a saying that the higher the risk, the higher the return, it is best for you to hold on to the principle of avoiding risks and management. Instead of investing on risky ventures, it is better for you to choose a more stable industry such as real estate property. The value of real estate do not usually depreciate overnight and makes it the best target investment for the year.
Due to the high risk of injuries and accidents, ensure your insurance policies do not lapse and coverage is adequate. Find out how property investment works, and all the hidden charges
that come with it, before deciding to invest.
There will be many opportunities to savour in the coming months although you will have to be vigilant to avoid any stumbling blocks which could bring about legal problems and emotional distress. Other than that, you should be able to expect plenty of helpful people in addition to a favourable career outlook. As long as you are tactful with what you say and what you do, there shouldn’t be any concern of serious issues or long-term damage.
Wealth: Keep caution in every cent you spend from your pocket as you may suffer from potential financial losses. Luckily, these are likely to be small losses as the Three Combination of Nobleman Star is in the palace, exerting power to prevent the loss from snowballing. Therefore, financial losses tend to happen in the initial phase of decision or investments and are likely to be recovered in the later phase. Always remember to spend your money on useful and purposeful things.
iMoney’s recommendation: Read the fine prints to avoid misunderstandings and disputes. Be extra prudent on your spending to avoid losses. Keeping track of your spending may help to identify the problem areas of your expenditures.
The outlook for 2016 should be positive for you with the presence of auspicious stars. Expect a year blessed with achievements, happy occasions and good results. Your endeavours should enjoy the support of helpful individuals. There may be some serious decisions you may have to consider, though there shouldn’t be anything untoward as long as you receive the necessary support. If there is any elderly persons in your family, there will be a need to pay more attention to their well-being. Additionally, there could be threats of financial troubles stemming from lack of control and you may also need to watch out for petty people.
Wealth: You should take care of all matters related to your finances as there will be potential problems occurring. As parts of life are usually interrelated, unintended consequences from the financial problems may end up jeopardising your relationships. Thankfully, the presence of the Fortune Virtue Star signifies the potential existence of a Nobleman. The solution to the difficulties faced can be helped by the wisdom of the Nobleman. With the Nobleman’s assistance, what was missing can be recovered – thus, ensuring the relationship will be stable again. Remember to not lend money to others under rash and hasty circumstances.
iMoney’s recommendation: Create a budget to manage your expenses and income better to avoid overspending. Manage your own finances and be aware of what’s going in and out.
There shouldn’t be anything you can’t overcome in 2016 as you will receive a lot of support from the people around you. While there may be an increased possibility of getting injured and involvement in conflicts, you should be able to avoid them with a little more care. There will be times when you will be placed out of your comfort zone. Keep a levelled head and keep your goals down to earth to avoid disappointment and financial disasters. Find opportunities to maintain ties with family members and try not to neglect them.
Wealth: You may want to treat every penny seriously, think thoroughly before spending any expenses and stay on your budget to avoid potential financial losses. However, as the lucky star falls into the palace, previous financial losses are guaranteed to be recovered eventually. With dedication and determination, you will eventually recover financially. Your success will be dependent on whether you can demonstrate enough strength to overcome it.
iMoney’s recommendation: Due to the high risk of injuries and accidents, ensure your insurance policies do not lapse and coverage is adequate.
Your life is set to be enriched in more ways than one as there will be many who are more than willing to extend a helping hand this year. Though your endeavours are likely to have positive outcomes, you should not just sit back and expect things to fall into place. You will have to watch out for problems relating to your finances, physical well-being and other issues which could derail your progress. Keep close tabs on your spending and do not spend unnecessarily. When travelling, especially for long distances, make sure you plan appropriately.
Wealth: Attention should be given to all the expenditures and spending to avoid the likelihood of financial loss. Luckily, these potential financial losses tend to be minor, and they seem to concentrate at the early months of the year. To prepare for that, any personal expenses and expenditures should be well-planned and thought out carefully. Adhering to such a mindset will improve your capacity in managing an economic lifestyle. Additionally, an economic lifestyle can also ensure that you get something worthwhile in exchange. By doing so, the effects of financial loss can be minimised.
iMoney’s recommendation: Create a budget to manage your expenses and income better to avoid overspending. It is crucial for you to tweak and perfect your budget in the first quarter of the year to ensure a smooth financial year for the rest of the months.
Your intellectual capabilities will play a major role in pushing you further in terms of professional pursuits. Your new found confidence will be extremely helpful in guiding you to make the right decisions at the right time. You may need to be extremely careful when it comes to your money and you are also advised to pay more attention to your personal safety due to increased risk of accidents and injuries.
Wealth: Auspicious signs indicate the possibility of receiving firm support for your ambition, thus helping you build up a strong financial base, paving your way to realise your goals. Somewhere and sometime in your life, the presence of a Nobleman can always be found and this will help you increase your wealth. Your natural talents will slowly be seen at the workplace, thus drawing attention, remarks and good impression from your superiors. Your efforts and contributions will be easily rewarded.
Get adequate insurance coverage and if you are travelling, remember to get travel insurance
to avoid untoward incidences. If you are an entreprenuer, perhaps this year is the year for you to source for funds
to expand your business. Any increments or bonuses from your employer should be put into good use or investment.
Even if you hit any snags in 2016, you should be able to find the assistance you need to resolve them in a desired manner. You can expect career, aspirations and other things in life to be on an upward trend in the coming months. Maintain a good balance between your professional endeavours and your personal life and this should help you avoid burning out. Some emotional disturbances are to be expected and these are likely to come from gossip and rumours.
Wealth: Whether it is a gain or loss, the overall trend is more likely to remain stable. There will not be a lot of unintended consequences to worry about, as sudden upswings and downturns are more unlikely. Whatever situation that you are facing, you will be able to control it. Occasionally, plans may be delayed by a few obstacles, but this will not be as serious as it sounds. The sign shows that most of these delays will cost you very little. If you need further advice or a helping hand, you may try to seek help from people around you. The presence of a Nobleman may just be somewhere around the corner, especially at places you do not usually notice. Their expertise will be handy for you, particularly in the investment field.
iMoney’s recommendation: Start planning your short- and long-term goals such as saving for a year-end vacations, or saving up for the down payment of your first home. Don’t hesitate to engage the help of a professional financial planner to help you chart your financial journey to achieve your goals.
Academic endeavours are likely to be fruitful in 2016 and if assistance is sought, it should be readily available from the people around you. This year will open your eyes to new horizons. You will have to know when to seize the moment when the opportunities come. While opportunities will be aplenty, avoid neglecting your health and personal safety as there will be an increased risk in accidents and injuries. Be especially vigilant when you travel long distances.
Wealth: Your wealth luck for this year is rather average. Overall, there will be nothing too extreme which affects the gains and losses of your personal properties (if any). That being said, it is still advisable to be careful in terms of finances, in order to avoid unpredictable expenditures and always remember to save for a rainy day. Lending money and property investment deserves your particular and invested attention. Before making a property investment, it is wise to carry out extensive research and hasty transactions are discouraged. No matter how small an issue may be, you are better off not investing in the property if there is any indication that it will not be suitable for you. In order to avoid unnecessary quarrels, lending money should be avoided altogether.
iMoney’s recommendation: Get adequate insurance coverage and if you are travelling, remember to get travel insurance to avoid untoward incidences. When looking for investment opportunities, remember to study the risks and manage them to avoid unnecessary losses.
This year will be especially beneficial for you in terms of relationships and as such, you should take the opportunity to enlarge your social circle. This will also extend to personal relationships, which means you should be able to enjoy positive outcomes in romantic pursuits. Those who are in a committed relationship can consider pursuing marriage this year as it will be a good year to do so. When things get rough, keep in mind there are many people around you who will be willing to help you out. Don’t let yourself be affected by the emotional problems and instead keep your mind focused on your goals. Taking time off to relax your mind will be able to help you do this.
Wealth: As new opportunities become excessive, prospects of investments are likely to be bountiful. Worries about the risks may come to your mind, but do not be afraid, with the support of the good fortune of this year, the return from the new investment is more likely to turn out great than turning bad. This is also a year suitable for the collection of personal debts. If a friend or a small business owes you any money, it is now a good time to start collecting it back.
Review your insurance policies and finances when making major life decisions such as getting married or having children to reflect your life stage. Perhaps this is the year to jumpstart your investment endeavours, which you can do with just RM1,000!
Click here to know more about Dato’ Joey Yap’s Feng Shui & Astrology 2016 seminar.
Dato’ Joey Yap is the founder of the Mastery Academy of Chinese Metaphysics, a global organisation devoted to the teaching of Feng Shui, BaZi, Qi Men Dun Jia, Mian Xiang and other Chinese Metaphysics subjects. A bestselling author of over 160 books on Feng Shui, Chinese Astrology (BaZi), Qi Men Dun Jia, Face Reading and Yi Jing, all of which have sold more than three million copies to date, he is also the Chief Consultant of Joey Yap Consulting Group, an international consulting firm specialising in Feng Shui and Chinese Astrology services. For more information, visit www.joeyyap.com.