CENFIS International

Date Achievement Details Remarks

1999 The Beginning A group of university lecturers gathered together in London to discuss an academic project. They have just completed a project to study the causes and remedies of the Asian Financial Crisis in 1997, and have just completed their thesis. Now they want to start a big project to study the causes of financial success (or failure) for individuals, companies and governments. Among the researchers were Prof Dr Christopher Heng from Malaysia. He roped in his fellow countryman, Dr Andrew Chia, to join in the research project. The vision and aim of CENFIS is to make the practical subject of money available to be taught in schools around the world. Therefore, research would be directed towards this area and not solely for academic or professional purposes.

Date	Achievement	Details	Remarks
1999	The Beginning	A group of university lecturers gathered together in London to discuss an academic project. They have just completed a project to study the causes and remedies of the Asian Financial Crisis in 1997, and have just completed their thesis. Now they want to start a big project to study the causes of financial success (or failure) for individuals, companies and governments.	Among the researchers were Prof Dr Christopher Heng from Malaysia. He roped in his fellow countryman, Dr Andrew Chia, to join in the research project. The vision and aim of CENFIS is to make the practical subject of money available to be taught in schools around the world. Therefore, research would be directed towards this area and not solely for academic or professional purposes.

Date Achievement Details Remarks

2007 Formation of CENFIS The informal research group was formed and named as CENFIS, the Center for Financial Intelligence Studies. It is a closed group comprising university lecturers and financial writers. CENFIS became the face of financial intelligence. Dr Andrew Chia was named as one of their writers and their stakeholder for Malaysian operations.

2008 1st book Money Secrets was published. It was a runaway bestseller. It became the only bestselling book on personal finance written by a local author at the Popular Bookfest 2009 held at the KLCC Convention Centre. A lot of email feedback was received and most of the comments were either "...the book is an eye opener" or "I should have read this book much earlier..." Money Secrets contains an introduction to all the seven elements of financial intelligence. The definition of financial intelligence was introduced on page 60 of the book (revised edition.)

2010 2nd book Money, Greed and Power was published. Dr Andrew later changed the title to Big Money Big Trouble in its revised edition published in 2011. This book is classified under Element 4, 5 and 6/7 of financial intelligence, that is, (4) saving & spending money, (5) investing and (5) financial discipline & emotional control. Money, Greed and Power is a follow-up book of Money Secrets which outlined all the elements and basic concepts of financial intelligence. Money, Greed and Power are examples and case studies of those ideas in real life. The examples taken are from big corporations and governments.

2010 3rd book Money Secrets is translated in the Singhalese language The Singhalese version of Money Secrets was sold in Sri Lanka. It became the all-time bestselling book on personal finance at all the bookstores owned by publisher Mr Asiri Wanigaratne, who owns more than 40 bookstore across Sri Lanka.

2011 Dana Penulis Award Money Secrets won the Dana Penulis Award given by the National Library of Malaysia, Perpustakaan Negara Malaysia. This award, together with funding, is given to support local authors and is approved by a panel of 12 academics from local universities. Many well-known local authors complained that it was very difficult to be awarded this fund. It is like a "Best Book in Malaysia" award for its category of personal finance.

2011 4th book Money Lessons was published. Just like Big Money Big Trouble, Money Lessons is a follow-up book of Money Secrets which outlined all the elements and basic concepts of financial intelligenceideas in real life. However, the examples and case studies of Money Lessons are taken from rich and poor individuals.

2012 Trade mark protection "Financial Intelligence" is registered as a trade mark with MyIPO (Malaysia Intellectual Property Organisation). This trade mark is applicable to 160 countries under the Berne Convention. It was a very difficult task because both the words "financial" and "intelligence" are very common generic words. CENFIS had to submit all the books and materials written by them in order to convince MyIPO that they deserve to own these two words. With this approval, anyone who wishes to use these two words for book title, seminar or courses will have to obtain consent from CENFIS.

2012 5th book Born to Speak was published. This book is classified under Element 3/7 of financial intelligence - making money. Good speaking and communication skills can go a long way in helping us make more money, whether as an employee or as an entrepreneur, or even as an investor.

2012 6th book Financial Intelligence was published. It is a text book on the subject of financial intelligence. This text book has been endorsed by the deans of many universities and colleges. Notable are Prof Dr Ahamed Kameel, Dean of the Institute of Islamic Banking and Finance, IIUM. Prof Ahamed was also the head of the Economic Planning Unit (EPU), our country's economic think tank. Also, Prof Dato' Dr Ibrahim, Deputy Vice-Chancellor at INTI University and Prof Dr Izani, Dean of the Graduate School of Business, They each wrote a foreword on this text book. The publication of the financial intelligence text book marks a milestone in the development of the subject. Without a text book it would be impossible to teach a subject. CENFIS will constantly update this text book with new editions to ensure the content is up to date, with new pedagogy incorporated. There have been numerous complaints by leaders, authors and speakers around the world why such an important subject like money has never been taught in schools. However, nobody has ever attempted to produce a syllabus or text book on the subject in order to make it possible. We believe CENFiS is the first organisation to successfully create the subject, syllabus and text book.

Date	Achievement	Details	Remarks
2007	Formation of CENFIS	The informal research group was formed and named as CENFIS, the Center for Financial Intelligence Studies. It is a closed group comprising university lecturers and financial writers.	CENFIS became the face of financial intelligence. Dr Andrew Chia was named as one of their writers and their stakeholder for Malaysian operations.
2008	1st book	Money Secrets was published. It was a runaway bestseller. It became the only bestselling book on personal finance written by a local author at the Popular Bookfest 2009 held at the KLCC Convention Centre. A lot of email feedback was received and most of the comments were either "...the book is an eye opener" or "I should have read this book much earlier..."	Money Secrets contains an introduction to all the seven elements of financial intelligence. The definition of financial intelligence was introduced on page 60 of the book (revised edition.)
2010	2nd book	Money, Greed and Power was published. Dr Andrew later changed the title to Big Money Big Trouble in its revised edition published in 2011.	This book is classified under Element 4, 5 and 6/7 of financial intelligence, that is, (4) saving & spending money, (5) investing and (5) financial discipline & emotional control. Money, Greed and Power is a follow-up book of Money Secrets which outlined all the elements and basic concepts of financial intelligence. Money, Greed and Power are examples and case studies of those ideas in real life. The examples taken are from big corporations and governments.
2010	3rd book	Money Secrets is translated in the Singhalese language	The Singhalese version of Money Secrets was sold in Sri Lanka. It became the all-time bestselling book on personal finance at all the bookstores owned by publisher Mr Asiri Wanigaratne, who owns more than 40 bookstore across Sri Lanka.
2011	Dana Penulis Award	Money Secrets won the Dana Penulis Award given by the National Library of Malaysia, Perpustakaan Negara Malaysia.	This award, together with funding, is given to support local authors and is approved by a panel of 12 academics from local universities. Many well-known local authors complained that it was very difficult to be awarded this fund. It is like a "Best Book in Malaysia" award for its category of personal finance.
2011	4th book	Money Lessons was published.	Just like Big Money Big Trouble, Money Lessons is a follow-up book of Money Secrets which outlined all the elements and basic concepts of financial intelligenceideas in real life. However, the examples and case studies of Money Lessons are taken from rich and poor individuals.
2012	Trade mark protection	"Financial Intelligence" is registered as a trade mark with MyIPO (Malaysia Intellectual Property Organisation).	This trade mark is applicable to 160 countries under the Berne Convention. It was a very difficult task because both the words "financial" and "intelligence" are very common generic words. CENFIS had to submit all the books and materials written by them in order to convince MyIPO that they deserve to own these two words. With this approval, anyone who wishes to use these two words for book title, seminar or courses will have to obtain consent from CENFIS.
2012	5th book	Born to Speak was published.	This book is classified under Element 3/7 of financial intelligence - making money. Good speaking and communication skills can go a long way in helping us make more money, whether as an employee or as an entrepreneur, or even as an investor.
2012	6th book	Financial Intelligence was published. It is a text book on the subject of financial intelligence. This text book has been endorsed by the deans of many universities and colleges. Notable are Prof Dr Ahamed Kameel, Dean of the Institute of Islamic Banking and Finance, IIUM. Prof Ahamed was also the head of the Economic Planning Unit (EPU), our country's economic think tank. Also, Prof Dato' Dr Ibrahim, Deputy Vice-Chancellor at INTI University and Prof Dr Izani, Dean of the Graduate School of Business, They each wrote a foreword on this text book.	The publication of the financial intelligence text book marks a milestone in the development of the subject. Without a text book it would be impossible to teach a subject. CENFIS will constantly update this text book with new editions to ensure the content is up to date, with new pedagogy incorporated. There have been numerous complaints by leaders, authors and speakers around the world why such an important subject like money has never been taught in schools. However, nobody has ever attempted to produce a syllabus or text book on the subject in order to make it possible. We believe CENFiS is the first organisation to successfully create the subject, syllabus and text book.

2007 Formation of CENFIS The informal research group was formed and named as CENFIS, the Center for Financial Intelligence Studies. It is a closed group comprising university lecturers and financial writers. CENFIS became the face of financial intelligence. Dr Andrew Chia was named as one of their writers and their stakeholder for Malaysian operations.

2012 Copyright protection The financial intelligence text book is patented with a copyright under MyIPO. Patent protection is very important for intellectual property such as financial intelligence and all its content. This prevents not only unauthorised usage; it also protects the integrity of the content from being altered or diluted by unauthorised persons. For example, CENFIS has its own proprietary definition of the term financial intelligence as well as the definition of the term "investing."

2012 7th book CENFIS translated Money Secrets into Chinese. The Chinese version also became a big success and bestseller at local bookstores. CENFIS prepared the way for entrance into the big China/Taiwan market.

2012 8th book Stock Market Secrets was published. The book became a bestseller at two of the biggest local bookstores Popular and MPH. This book is classified under Element 5/7 - Investing. It gives valuable tips on the second most popular investment in the world, that is, stock investing. It is a summary, and provides a rare coverage of the practical aspect, of the classical book, The Intellligent Investor, written by Warren Buffett's professor Benjamin Graham. On the cover of this famous book, Warren Buffett wrote the remark - "by far the best book on investing ever written."

2012 Genting Project CENFIS secured a seminar project with RW Genting to teach a course titled "Financial Intelligence for Business." CENFIS had to go through a tough interview session with the heads of Genting's HR departments led by Mr Gideon. They had to satisfy Genting's cost-benefit analysis where each participant was charged RM3,000 for a two-day course. CENFIS also had to answer the question, "What can you teach our senior executives, in view of the fact that most of them are either senior vice-presidents or MBA holders?" The seminar was conducted successfully and claimed under the HRDF, with Dr Andrew Chia being the main speaker for the event. Although the content for the topic of entrepreneurship existed even back then, it took CENFIS another eight years of further research before producing a book on the topic.

2013 Registration CENFIS was formally registered as a business in Malaysia under CENFIS Academy. For the first time, CENFIS has a face and it is a Malaysian entity representing the research project based in London.

2013 Incorporation CENFIS was official incorporated in Malaysia as CENFIS Academy (M) Sdn Bhd. CENFIS upgrades its business registration to an incorporated private limited company (Sdn Bhd) with Dato Rosli as the Chairman. Dato Rosli is the former Chairman of Agro Bank. Hugo Chong is the managing director. Hugo holds an MBA in entrepreneurship from the Open University of Malaysia. Dr Andrew remains the writer and advisor for business operations. With this incorporation, CENFIS Malaysia became the face of CENFIS and the ambassador to the outside world. The founders and researchers remain in the background, quietly working and continuing their research and continuous upgrade for all the elements of financial intelligence.

2013 9th book Property Secrets was published, written by Dr Peter Yee. Peter is the all-time bestselling author for property investment books at Popular Bookstore with his first book on property investment, You Can Become Rich in Property. This book is classified under Element 5/7 - Investing. It gives valuable tips on the most popular investment in the world, that is, properties. Property Secrets covers all the aspects of property, ie. finding, funding and farming. It also gives a critical element of investing in properties, ie. the timing of the purchase or sale.

2015 10th book 4 Steps to Mastering English was published. 4 Steps is the result of 35 years of teaching experience by Dr Andrew Chia, who taught Communication English at the Sunway-Monash residence management company - project secured by CENFIS. This book is classified under Element 3/7 of financial intelligence - making money. A good command of English goes a long way in helping people, especially Asians, to make money, whether as an employee or as an entrepreneur, or even as an investor. This is because English is the most popular language around the world and on the Internet. Poor command of English has been highlighted by the Malaysian Employers Federation (MEF) as the biggest problem among employees for the past twenty years.

2015 11th book Big Money Big Trouble was translated to Chinese and published. CENFIS prepared the way for entrance into the big China/Taiwan market.

2015 12th book The Best Business Advice was published. This book is classified under Element 3/7 of financial intelligence - making money. It offers valuable tips on the subject of entrepreneurship, particularly in the critical area of marketing ie. how to create an effective USP or unique selling proposition.

2015 13th book The Biggest Money Secret was published. This book is classified under Element 2/7 of financial intelligence - residual income. Residual income is identified and highlighted as the most important concept of money by CENFIS.

2016 14th book Professional English was published. This book is classified under Element 3/7 of financial intelligence - making money. A good command of English goes a long way in helping people, especially Asians, get ahead in life. Professional English is a text book covering all aspects of English grammar.

2017 15th book Lost Boy was published. This book covers Element 7/7 of financial intelligence, ie. protecting and distributing wealth. Philantropy is one popular way that rich people give back to society. CENFIS strongly supports the idea of philantropy because giving back to society can make wealthy people happier.

2017 16th book Lost Boy was translated to Chinese and published. CENFIS prepared the way for entrance into the big China/Taiwan market.

2020 17th book Kodak, the Real Picture was published. This book covers Element 3/7 of financial intelligence, ie. making money through entrepreneurship. It focuses on the topic of marketing.

2020 18th book Lockdown was published. This book covers Element 3/7 of financial intelligence, ie. making money through entrepreneurship. As the name suggests, the book was written during the Covid pandemic particularly during the times of lockdown and restricted travelling. It covers all the critical areas of a business ie. marketing, production and finance and it is CENFIS' way of simplifying the big topic of entrepreneurship for the layman.

2020 19th book The Curse was published. It covers Element 7/7 of financial intelligence, ie. protecting and distribution of wealth, which is a big headache for many wealthy people.

2020 20th book The War on the English Language was published. Dr Andrew Chia wrote this book specially for teachers of the language, based on his own 35 years of experience. This book is classified under Element 3/7 of financial intelligence - making money. This book is helpful for teachers of the language because it offers an insight into problems faced by most students in Asia, and it is written in a entertaining, story-telling format.

2021 21st book Meet the Goddess was published. This book covers Element 1/7 of financial intelligence, ie. motivation and debunking money myths. One of the dangerous myths in our money world is the idea that all it takes to succeed in life is luck and pure luck.

2021 22nd book The Perfect Employee was published. This book covers Element 3/7 of financial intelligence, ie. making money as an employee. With the production of this book, CENFIS has covered the two main ways that everybody in the world makes money, that is, either by working as an employee or as an entrepreneur.

2021 CENFIS writer, Andrew Chia, obtains his PhD Dr Andrew receives his doctorate in forensic audit from Charisma University. Andrew is the main writer for financial intelligence books and articles. He is also the stakeholder of CENFIS for the financial intelligence trade mark and the copyright holder for the financial intelligence text book, also written by him.

2022 23rd book Top 10 Cryptos was published. This book covers Element 3/7 of financial intelligence, ie. making money via cryptocurrency speculation. This is a controversial topic strongly rejected by Warren Buffett, who is known as the greatest investor of all time. However, recently, Elon Musk became the richest man in the world and he is a few times richer than Warren Buffett. He is a strong supporter of crypto-currencies. At CENFIS, we have no choice but to consider giving information regarding this form of investment to our audience.

2022 Protege Project The Protege Program is a government project to elevate local graduates to become industry leaders in the country. It is awarded to companies who secure government projects worth RM100 million or more; which are usually listed companies. CENFIS conducted a one-month program for 50 local graduates, most of which are post-graduate students. They are on internship at the company and seconded at their subsidiary, Pantasniaga Sdn Bhd. The topics taught are all soft skills covering areas like communication and networking skills, including entrepreneurship. The content of the course is extracted from CENFIS publications on financial intelligence. The feedback collected from all the participants was very encouraging, with Dr Andrew Chia as the chief trainer for the program.

2022 Financial intelligence for the world CENFIS gives away financial intelligence to the world for free. CENFIS' rationale for giving away all their content on the subject of financial intelligence to the world is that a lot of people who need it desperately cannot afford to pay for it. CENFIS is happy to give back to society in an ultimate act of kindness. This content is only in the form of ebooks placed at their website cenfis.org to be updated in due course. It also includes a database of more than 800 case studies on every element of financial intelligence. However, hardcopy books, seminars and face-to-face courses will still be charged as all these incur costs for the publishers and trainers/facilitators. Furthermore, advanced financial intelligence topics like property and stock investment are chargeable at a premium rate at CENFIS' authorised platinum licensees.

2022 Endorsement by MOE Endorsement by Ministry of Education. Financial intelligence is taught as a professional development degree program at Genovasi Center for Higher Learning, an establishment under the School of Continuing and Professional Education of Genovasi University College. Prof Dr Christopher Heng is Associate Dean of the School of Accounting and Finance at Genovasi University College.

2022 Endorsement by MOHR Endorsement by Ministry of Human Resource. Financial intelligence is an approved course to be conducted by HRD Corp, formerly known as HRDF.

2007	Formation of CENFIS	The informal research group was formed and named as CENFIS, the Center for Financial Intelligence Studies. It is a closed group comprising university lecturers and financial writers.	CENFIS became the face of financial intelligence. Dr Andrew Chia was named as one of their writers and their stakeholder for Malaysian operations.
2012	Copyright protection	The financial intelligence text book is patented with a copyright under MyIPO.	Patent protection is very important for intellectual property such as financial intelligence and all its content. This prevents not only unauthorised usage; it also protects the integrity of the content from being altered or diluted by unauthorised persons. For example, CENFIS has its own proprietary definition of the term financial intelligence as well as the definition of the term "investing."
2012	7th book	CENFIS translated Money Secrets into Chinese.	The Chinese version also became a big success and bestseller at local bookstores. CENFIS prepared the way for entrance into the big China/Taiwan market.
2012	8th book	Stock Market Secrets was published.	The book became a bestseller at two of the biggest local bookstores Popular and MPH. This book is classified under Element 5/7 - Investing. It gives valuable tips on the second most popular investment in the world, that is, stock investing. It is a summary, and provides a rare coverage of the practical aspect, of the classical book, The Intellligent Investor, written by Warren Buffett's professor Benjamin Graham. On the cover of this famous book, Warren Buffett wrote the remark - "by far the best book on investing ever written."
2012	Genting Project	CENFIS secured a seminar project with RW Genting to teach a course titled "Financial Intelligence for Business."	CENFIS had to go through a tough interview session with the heads of Genting's HR departments led by Mr Gideon. They had to satisfy Genting's cost-benefit analysis where each participant was charged RM3,000 for a two-day course. CENFIS also had to answer the question, "What can you teach our senior executives, in view of the fact that most of them are either senior vice-presidents or MBA holders?" The seminar was conducted successfully and claimed under the HRDF, with Dr Andrew Chia being the main speaker for the event. Although the content for the topic of entrepreneurship existed even back then, it took CENFIS another eight years of further research before producing a book on the topic.
2013	Registration	CENFIS was formally registered as a business in Malaysia under CENFIS Academy.	For the first time, CENFIS has a face and it is a Malaysian entity representing the research project based in London.
2013	Incorporation	CENFIS was official incorporated in Malaysia as CENFIS Academy (M) Sdn Bhd.	CENFIS upgrades its business registration to an incorporated private limited company (Sdn Bhd) with Dato Rosli as the Chairman. Dato Rosli is the former Chairman of Agro Bank. Hugo Chong is the managing director. Hugo holds an MBA in entrepreneurship from the Open University of Malaysia. Dr Andrew remains the writer and advisor for business operations. With this incorporation, CENFIS Malaysia became the face of CENFIS and the ambassador to the outside world. The founders and researchers remain in the background, quietly working and continuing their research and continuous upgrade for all the elements of financial intelligence.
2013	9th book	Property Secrets was published, written by Dr Peter Yee. Peter is the all-time bestselling author for property investment books at Popular Bookstore with his first book on property investment, You Can Become Rich in Property.	This book is classified under Element 5/7 - Investing. It gives valuable tips on the most popular investment in the world, that is, properties. Property Secrets covers all the aspects of property, ie. finding, funding and farming. It also gives a critical element of investing in properties, ie. the timing of the purchase or sale.
2015	10th book	4 Steps to Mastering English was published.	4 Steps is the result of 35 years of teaching experience by Dr Andrew Chia, who taught Communication English at the Sunway-Monash residence management company - project secured by CENFIS. This book is classified under Element 3/7 of financial intelligence - making money. A good command of English goes a long way in helping people, especially Asians, to make money, whether as an employee or as an entrepreneur, or even as an investor. This is because English is the most popular language around the world and on the Internet. Poor command of English has been highlighted by the Malaysian Employers Federation (MEF) as the biggest problem among employees for the past twenty years.
2015	11th book	Big Money Big Trouble was translated to Chinese and published.	CENFIS prepared the way for entrance into the big China/Taiwan market.
2015	12th book	The Best Business Advice was published.	This book is classified under Element 3/7 of financial intelligence - making money. It offers valuable tips on the subject of entrepreneurship, particularly in the critical area of marketing ie. how to create an effective USP or unique selling proposition.
2015	13th book	The Biggest Money Secret was published.	This book is classified under Element 2/7 of financial intelligence - residual income. Residual income is identified and highlighted as the most important concept of money by CENFIS.
2016	14th book	Professional English was published.	This book is classified under Element 3/7 of financial intelligence - making money. A good command of English goes a long way in helping people, especially Asians, get ahead in life. Professional English is a text book covering all aspects of English grammar.
2017	15th book	Lost Boy was published.	This book covers Element 7/7 of financial intelligence, ie. protecting and distributing wealth. Philantropy is one popular way that rich people give back to society. CENFIS strongly supports the idea of philantropy because giving back to society can make wealthy people happier.
2017	16th book	Lost Boy was translated to Chinese and published.	CENFIS prepared the way for entrance into the big China/Taiwan market.
2020	17th book	Kodak, the Real Picture was published.	This book covers Element 3/7 of financial intelligence, ie. making money through entrepreneurship. It focuses on the topic of marketing.
2020	18th book	Lockdown was published.	This book covers Element 3/7 of financial intelligence, ie. making money through entrepreneurship. As the name suggests, the book was written during the Covid pandemic particularly during the times of lockdown and restricted travelling. It covers all the critical areas of a business ie. marketing, production and finance and it is CENFIS' way of simplifying the big topic of entrepreneurship for the layman.
2020	19th book	The Curse was published.	It covers Element 7/7 of financial intelligence, ie. protecting and distribution of wealth, which is a big headache for many wealthy people.
2020	20th book	The War on the English Language was published.	Dr Andrew Chia wrote this book specially for teachers of the language, based on his own 35 years of experience. This book is classified under Element 3/7 of financial intelligence - making money. This book is helpful for teachers of the language because it offers an insight into problems faced by most students in Asia, and it is written in a entertaining, story-telling format.
2021	21st book	Meet the Goddess was published.	This book covers Element 1/7 of financial intelligence, ie. motivation and debunking money myths. One of the dangerous myths in our money world is the idea that all it takes to succeed in life is luck and pure luck.
2021	22nd book	The Perfect Employee was published.	This book covers Element 3/7 of financial intelligence, ie. making money as an employee. With the production of this book, CENFIS has covered the two main ways that everybody in the world makes money, that is, either by working as an employee or as an entrepreneur.
2021	CENFIS writer, Andrew Chia, obtains his PhD	Dr Andrew receives his doctorate in forensic audit from Charisma University.	Andrew is the main writer for financial intelligence books and articles. He is also the stakeholder of CENFIS for the financial intelligence trade mark and the copyright holder for the financial intelligence text book, also written by him.
2022	23rd book	Top 10 Cryptos was published.	This book covers Element 3/7 of financial intelligence, ie. making money via cryptocurrency speculation. This is a controversial topic strongly rejected by Warren Buffett, who is known as the greatest investor of all time. However, recently, Elon Musk became the richest man in the world and he is a few times richer than Warren Buffett. He is a strong supporter of crypto-currencies. At CENFIS, we have no choice but to consider giving information regarding this form of investment to our audience.
2022	Protege Project	The Protege Program is a government project to elevate local graduates to become industry leaders in the country. It is awarded to companies who secure government projects worth RM100 million or more; which are usually listed companies.	CENFIS conducted a one-month program for 50 local graduates, most of which are post-graduate students. They are on internship at the company and seconded at their subsidiary, Pantasniaga Sdn Bhd. The topics taught are all soft skills covering areas like communication and networking skills, including entrepreneurship. The content of the course is extracted from CENFIS publications on financial intelligence. The feedback collected from all the participants was very encouraging, with Dr Andrew Chia as the chief trainer for the program.
2022	Financial intelligence for the world	CENFIS gives away financial intelligence to the world for free.	CENFIS' rationale for giving away all their content on the subject of financial intelligence to the world is that a lot of people who need it desperately cannot afford to pay for it. CENFIS is happy to give back to society in an ultimate act of kindness. This content is only in the form of ebooks placed at their website cenfis.org to be updated in due course. It also includes a database of more than 800 case studies on every element of financial intelligence. However, hardcopy books, seminars and face-to-face courses will still be charged as all these incur costs for the publishers and trainers/facilitators. Furthermore, advanced financial intelligence topics like property and stock investment are chargeable at a premium rate at CENFIS' authorised platinum licensees.
2022	Endorsement by MOE	Endorsement by Ministry of Education.	Financial intelligence is taught as a professional development degree program at Genovasi Center for Higher Learning, an establishment under the School of Continuing and Professional Education of Genovasi University College. Prof Dr Christopher Heng is Associate Dean of the School of Accounting and Finance at Genovasi University College.
2022	Endorsement by MOHR	Endorsement by Ministry of Human Resource.	Financial intelligence is an approved course to be conducted by HRD Corp, formerly known as HRDF.

CENFIS VISION AND MISSION

CENFIS' vision is for a financially-intelligent world, with the reduction or removal of the poor and middle-class in as many countries as possible, so that everyone can be rich and financially free. Together with many leaders, authors and speakers around the world, we hope and pray that soon the important subject of financial intelligence can be taught in schools.

Our mission, therefore, is to pave the way for such an ambitious project to happen by producing the bsst content, to gather together like-minded individuals, corporations and governments, to translate, re-package the financial intelligence content and to mobilize it through various channels in order to realize our vision.

CENFIS METHODOLOGY

THE BEST TIPS

We gather tips from not only the richest in the country, but the richest and most successful people and corporations in the world, with the longest track record.

Although CENFIS is a closed group, we adopt an open approach whereby if we can find someone who is more successful and can provide better advice, we will adopt information from that new source. We welcome suggestions from the public to convince us that they have better sources of financial intelligence, especially those with longer track records of success. We currently have a database of more than 700 case studies and financial stories gathered from worldwide sources. Our database is growing everyday.

For example, we have warned people to stay away from crypto-currencies since the invention of blockchain and Bitcoin in 2009, following the advice of Warren Buffett, former richest man in the world and also known as the greatest investor of all time.

However, recently, we have also accepted the views of Elon Musk who is currently the world's richest man. He says that he would prefer crypto-currencies over fiat money.

LOCAL WISDOM

CENFIS will accept and allow the financial wisdom, views and strategies of local heroes to be published as part of its financial intelligence content for that country. These local heroes may be tycoons or business leaders in their community. From our research, the wisdom and strategies of the richest and most successful people around the world are uncannily similar.

TRANSLATION

CENFIS will translate financial intelligence to as many languages as possible.

BETTER FORMATS

CENFIS will re-package financial intelligence into better formats such as audio or visual for easy consumption, especially by our younger generations in order to facilitate a better learning experience.

PARTIAL LIST OF MONEY PROBLEMS THAT FINANCIAL INTELLIGENCE CAN SOLVE

The following are some of the common problems faced by people, corporations and governments everywhere. Financial intelligence is able to solve these money problems and restore the freedom and pride of the people.

1. Children who grow up not knowing the value of money and the importance of saving and living a frugal life. These problems will result in poor money habits later in life.

2. School leavers who over-spend money given by parents or from employment, ending up heavily in debt or facing bankruptcy. Poor saving and spending habits will have long-lasting adverse effects on their life. For example, their poor credit rating will prevent them from getting a loan to buy a house.

3. Entrepreneurs becoming part of the statistics of businesses that close shop within the first five years of operation. Statistics from various countries put the figure between 65% and 90%. Business failures result in a lot of stress for the entrepreneur and may result in things like hypertension or depression and even suicide. It also results in a great loss of productivity for the country amounting to billions of dollars each year.

4. The poor and middle-class who have little or no savings in their banks to cater for rainy days. Statistics in Malaysia show that millions of citizens have less than RM1,000 in their account. This may become a serious problem for some citizens who need cash urgently. They will be stressed and may get into health problems mentioned earlier.

5. Sports and entertainment celebrities who have poor money management skills may get into debt, get cheated or scammed of their wealth. Many celebrities have ended up bankrupt.

6. Retirees who are not financially intelligent have been cheated and scammed of their hard-earned wealth. These crimes are on the rise and more people are becoming victims everyday.

7. Rich people have problems with succession and distribution of wealth to their beneficiaries. This has often resulted in court battles among family members, and eventually the destruction of wealth when it is passed to less skillful stewards of wealth and businesses.

8. Big corporations go under whenever there is financial turmoil resulting in market crashes involving properties, stocks, currencies and other commodities and financial derivatives.

9. Governments have gone bankrupt due to bad governance. Usually corruption is involved, resulting in high national debt and depreciation of their currency.

PARTIAL LIST OF MONEY PROBLEMS THAT FINANCIAL INTELLIGENCE CAN SOLVE
The following are some of the common problems faced by people, corporations and governments everywhere. Financial intelligence is able to solve these money problems and restore the freedom and pride of the people.
1.	Children who grow up not knowing the value of money and the importance of saving and living a frugal life. These problems will result in poor money habits later in life.
2.	School leavers who over-spend money given by parents or from employment, ending up heavily in debt or facing bankruptcy. Poor saving and spending habits will have long-lasting adverse effects on their life. For example, their poor credit rating will prevent them from getting a loan to buy a house.
3.	Entrepreneurs becoming part of the statistics of businesses that close shop within the first five years of operation. Statistics from various countries put the figure between 65% and 90%. Business failures result in a lot of stress for the entrepreneur and may result in things like hypertension or depression and even suicide. It also results in a great loss of productivity for the country amounting to billions of dollars each year.
4.	The poor and middle-class who have little or no savings in their banks to cater for rainy days. Statistics in Malaysia show that millions of citizens have less than RM1,000 in their account. This may become a serious problem for some citizens who need cash urgently. They will be stressed and may get into health problems mentioned earlier.
5.	Sports and entertainment celebrities who have poor money management skills may get into debt, get cheated or scammed of their wealth. Many celebrities have ended up bankrupt.
6.	Retirees who are not financially intelligent have been cheated and scammed of their hard-earned wealth. These crimes are on the rise and more people are becoming victims everyday.
7.	Rich people have problems with succession and distribution of wealth to their beneficiaries. This has often resulted in court battles among family members, and eventually the destruction of wealth when it is passed to less skillful stewards of wealth and businesses.
8.	Big corporations go under whenever there is financial turmoil resulting in market crashes involving properties, stocks, currencies and other commodities and financial derivatives.
9.	Governments have gone bankrupt due to bad governance. Usually corruption is involved, resulting in high national debt and depreciation of their currency.