Things You Need to Know When Going to Investment Seminars

investment seminar

Have you ever been to an investment seminar?

I like going to those free investment seminars and gatherings because I get to know many different products offered by various banks and financial institutions. If you are interested in learning more about financial products, you can come to these events with some cautions.

Although it is often called a seminar, more often it is more about selling investment products. Even if it is a financial institution’s consumer gathering about economic outlook, at the end, we are often told about some new product offerings.

Sometimes we get emotional when hearing the special offer available that day.

For example, for the first 7 people who open an investment account with a minimum balance of Rp 100,000,000 will get a cashback of Rp 300,000. You can use the money to trade, but you are not allowed to withdraw for the first three months. We feel like we are getting some free easy money, but when you really calculate it, it is not really worth it.

If you are loaded with lots of money, that amount may be a spare change for you and it does not matter where you put it. However if you are not, you need to think about the opportunity cost of putting that money there. You need to think whether there are better alternatives for you. 

What do you need to do if you come to these seminars?

  1. Come with a clear goal in mind – is it just to learn about an investment product? Then come to learn and do not buy anything.
  2. Ask a lot of questions. If you do not understand the product, do not invest in it.
  3. Get a second opinion from someone outside the seminar, preferably those with financial knowledge and unrelated to the financial institutions that are offering the products. If you have a trusted certified financial planner, you can ask him or her.ziggy second opinion
  4. Be skeptical, especially if they are offering something that is too good to be true because it often is. If they are saying that it is a no-risk, high return investment, then run away as fast as possible because nothing is without risk. The higher the return, the higher the risk.
  5. Do not get pressured by the account officers or sales people, especially if they say that if you do not take action now, you will miss out on the profit. Let it go! There will be other opportunities to make profit!

Just like reading books, financial blogs, going to investment seminars can help you to be more knowledgeable about financial products. Use the opportunity to learn and may what you learn take you closer to your financial goals.

Learn and Grow

Inge Santoso, B Com, CFP®

My Meditation Journey Continues… Bali Usada Tapa Brata 2

TB2 Tawangmangu 2 

Happy faces after finishing Bali Usada Tapa Brata 2 in Tawangmangu. The course was held for 12 days from 30 March 2010 to 10 April 2010.

This 12 day Bali Usada Tapa Brata 2 course can really transform how you use your mind. The main objective is to train your mind to become a skillful harmonious mind that can be used to proactively heal and maintain good physical, mental and emotional health.

Before attending Tapa Brata 2, I’ve attended Bali Usada Tapa Brata 1 course twice in the last 9 months and I found them very beneficial for my health, especially for my emotional well being. After attending Tapa Brata 1, I feel more relaxed and calm. I become more aware of my feelings and emotions thus I am able to control my emotion better than before.

I used to struggle a lot with the feeling of anger. Before attending Bali Usada Tapa Brata 1, whenever I got angry, other people suffered. After attending Tapa Brata 1, whenever I got angry, I suffered the most. Why? Whenever I was angry, now I could feel my body was burning inside, it felt so hot. I could feel wild energy shooting here and there attacking my inner organs, very uncomfortable! No wonder wise people say that anger is harmful for your health. After that experience, whenever I feel the emotion of anger rising, I do my best to be aware of it, let it go and never let anger run its course.

I’ve been meditating every day since I attended Bali Usada Tapa Brata 1. I usually meditate 45-60 minutes a day. Sometimes I meditated for 90 minutes because I wanted to prepare myself to attend Tapa Brata 2. I heard from previous participants of Tapa Brata 2 that it was very challenging.

How did I feel about the course? It was tiring mentally, physically and emotionally. It was definitely a very demanding course in terms of mind training. I’ve never used my mind as intensive as this before. I’ve attended many seminars and programs by Anthony Robbins, T Harv Eker, Silva Method and many others and none of those programs can beat Bali Usada Tapa Brata 2 in terms of mind training.

I thought attending Anthony Robbins’ Date with Destiny was demanding because the seminars went well into the night and we jumped, we screamed, we danced, we did a lot of things there, yet I felt more tired just by sitting and concentrating my mind during TB2.

During the course, I felt many different kinds of sensations, feelings and emotions. Sometimes I remembered things in the past so clearly, I felt that I was there. Sometimes I was even astonished to discover my own subconscious thoughts. It was a very interesting experience!

Although I found the course to be very challenging, it was well worth it. I definitely recommend this course for anyone who wants to transform their mind and life to a whole new level. The transformation is not superficial as I have experienced after attending other courses, it is a real transformation. Once you’ve experienced it, you would know it in your heart.

A bit of warning:

I recommend for anyone who is interested in attending Tapa Brata 2 to at least attend Tapa Brata 1 twice and meditate regularly at home for about 60 minutes every day.

After finishing the course, sometimes there may be some bad reactions lingering for a few days. Do not worry, just keep meditating and it will balance itself.

Finally I want to thank Mr. Merta Ada and his assistants, Mr. Suardika, Mr. Budi Waluyo, Mr. Sutedjo who made the course possible. Thank you for your guidance and support. I also want to thank you my dear father, Mr. Djoko Santiko who allowed us to use the villa in Tawangmangu to hold the course. Last but not least, I want to thank you all my friends who attended the course together, Joseph, Hijau Berlian, Wulan, Tining, Jenny, Juniar, and Cha Cha. Thank you for the friendship, love, and support so that we could successfully finish the course. I hope we have an opportunity to attend another course together again.

May all beings be happy!

Learn and grow,

Inge Santoso, B. Com

Memories from the Past – My Meditation Journey

From August 2nd to 8th, I was attending Bali Usada’s Usada Tapa Brata 1 for one full week. It was a health meditation program. For more information about the program:

A seven-day intensive course where participants are requested to leave all the daily routine to stay isolated from outside world under the Tri-Tapa rules: no talking, no reading, and no writing.

A training to build up concentration, an exercise to develop awareness and mindfulness to strengthen harmonious mind and loving kindness.

You will be trained to understand the healing process through harmonious mind.This meditation is for beginners, also for those having completed the Usada Regular/ Private I.

I was quite proud of myself for being able to follow the Tri-Tapa rules of not talking, reading nor writing during the course. On top of those three rules, we were only provided with two vegetarian meals and one snack a day. At the beginning of the course I was not sure that I would be able to do it, but it became easier with each passing day. At the end of the course, I actually enjoyed it so much and I was reluctant to talk because talking and hearing loud noises gave me headache.

Out of 46 participants, only five of us really adhered to the rules. I was glad that my roommate was also very committed to the rules, otherwise I might not be able to succeed. It shows how important it is to have supportive people around us in order to succeed.

The most amazing thing that happened to me during this course was uncovering a memory buried so deep in my subconscious mind, a memory that I didn’t remember having, yet it surfaced during the course.

This is the story…

On the fourth day when we started to meditate with a purpose of feeling our own body, I felt a pain on my back. It felt like being cut and stabbed with a sword or a saber, it was about 25cm long and located on the left of my spine. When I focused on the pain, it throbbed and became more painful, but the pain was gone when I finished a session. If I didn’t meditate, I felt no pain, but whenever I started meditating, the pain came back.

I was curious and when I asked the instructor, he told me to keep focusing on the pain. During meditation, I kept focusing on the pain and the more I focused, the pain became smaller until it felt like a small dot next to my spine. Although it became smaller, it also became more painful and unbearable. I felt like being shot or stabbed, it was hot and throbbing. Yet when I finished meditating, I could not feel the pain at all.

During the open meditation session, I was committed to really focus on it and I resolved to meditate until I found the cause of the pain. So I did. I focused, focused and focused on that one extremely painful dot until suddenly I saw in my mind, pictures of my grandmother and me when I was just a baby. I saw her holding me as well as sitting next to my baby crib. I must have been less than a year old because my grandmother passed away in 1977 when I was only one year old. I could feel how she poured her love, her hope and her dream to me. I felt a flood of emotions rushing through me, emotions of love, gentleness, kindness and hope as well as hate, anger and unwillingness to let go. When I felt all these emotions, I could not stop the tears from flowing, I just cried and cried until I could not breathe through my nose.

At that moment I could really feel her love, how she put her hopes and dreams into me…she wanted to leave a legacy through me. Suddenly I understood why I was so driven to make a difference and to leave a legacy. It was not only my desire but it was also my grandmother’s desire that she passed to me before she died.

On the other hand, I also felt her anger, hate, attachment and unwillingness to let go. I could understand her feelings because I would be the only grandchild that she would be able to see and hold because of her illness. She was not ready to let go and I could feel those emotions flooding through my heart.

After all those feelings and memories came rushing through me, I felt a sense of relief, calm and clear-headedness. Suddenly everything seemed to make sense and I understood my life. I felt at peace with a part of me that I didn’t realize I had. It was such a wonderful feeling.

At the end of the course, I was asked to share my experience in front of the class. I did not share this story because I had not verify it with my parents. Therefore when I met my parents a day later in Jakarta, I asked them whether those memories were true and those things really happened. They said that those memories were true and real. Wow…it was simply amazing! Consciously I had no memory of what happened when I was just a baby, but meditation helped me to remember something buried so deep in my subconscious mind. 

One more thing, after those memories surfaced, the pain on my back was almost gone. The pain was completely gone after I told my father this story. Believe it or not, it was like my grandmother wanted me to pass a message to my father.

How do I feel after all this? I feel at peace. I feel so calm, serene. I feel that I know and understand myself better. I feel a sense of relief, a burden lifted. I feel happy.

Finally, I really recommend all of you to take this course. I’d say that this is one of the best courses that I have attended in my whole life and I’ve attended a lot…from Anthony Robbins’ Unleash the Power Within and Date with Destiny to T. Harv Eker’s courses, as well as numerous trainings and seminars held in Singapore and Indonesia for the last 18 years.

I would like to end this post with what the founder of Bali Usada, Mr. Merta Ada often says at the end of a meditation session:

“May all beings be happy!”

Inge Santoso, B. Com

Live The Life You Are Meant to Live

Last week, I attended Train The Trainer in Singapore. This program is part of T Harv Eker’s programs. This Train The Trainer program is delivered by Blair Singer. This is one of the best trainings I’ve ever attended in the last 18 years. 

This training has improved my training skill significantly. I have been a good trainer, but this course has put me in the path of becoming an awesome trainer.

Since I attended my first life changing seminar, More Precious Than Gold (MPTG) Seminar in 1991, I have always wanted to become a trainer. When I was mentored by KG Lim to become a trainer in 2001, it was a dream come true for me. When I became one of the trainers for More Precious Than Gold seminar from 2001-2005, that was the best time in my life. I was living my dream – I felt that I’ve made a difference in the lives of thousands of people all over Indonesia.

Due to unfortunate course of events, I could not stay with the MPTG team anymore. I felt devastated. I felt that I lost something so precious in my life. Although I’ve conducted many great seminars since 2005 until now, MPTG still has a special place in my heart, it’s like my first love. Sometimes I wonder whether I would ever get over it.

Everything in life happened for a reason!

“For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future. (Jeremiah 29:11)

In Train the Trainer, it becomes very clear to me that my life calling, my life purpose is to teach. I have tried many different things, but somehow I was lead to the teaching path again and again. I cannot run away from it. This is who I am. This is what I am supposed to do. This is the life I am meant to live!

Just like what Blair Singer said: “You can’t be whoever you want to be. You can be whoever you’re supposed to be

The biggest lesson that I got from Train the Trainer is that: Live the life you are meant to live. Find you life calling, your life purpose, your life mission. Then do your best to live and serve others according to your life purpose. There may be detours along the journey, but remember to stay true to your heart, heed your life’s calling!

Learn and Grow!

How many of you have discovered your life callings? How many of you are unsure about your life callings?

I have a powerful tool that can help you to find your life calling in less than 30 minutes. If you are interested, please contact me or leave a comment and I’ll help you.

The Millionaire Mind Intensive in UK


I’ve been writing about Millionaire Mind Intensive Seminar that was held in Singapore earlier this month. I really learned a lot from this seminar. If you live in UK or Europe, you have a chance to attend this great seminar in London. The seminar will be held on 3rd-5th April 2009 in ExCel London – UK. There is a special rate for applying before 31st December 2008. For more information, you can click here.

Inge Santoso

Being A Good Receiver

During Millionaire Mind Intensive in Singapore, I learned that to be rich in every area of our lives, we also need to learn to be a good receiver.

I’ve heard the saying “It is better to give than to receive” over and over again for so long, . It is originated from a verse in the Bible “It is more blessed to give than to receive” Acts 20:35 (NIV). I’ve always believed it and I’ve never questioned it before.

Since it is more blessed to give, giving seems to be more superior than receiving, so we strive to give. We tend to look down on receivers and we feel guilty even ashamed when we receive. How can we be rich and wealthy if we feel guilty or ashamed for receiving money, blessing or help from others?

Sometimes when we receive something, we feel obligated to give back even more because we want to be the blessed one. We also want to return the favor as soon as possible so that we do not feel indebted. For example, when we receive a compliment “Wow, you look great”, instead of simply saying “Thank you”, we often return the compliment straight away saying “Hey, you look great too”. 

In the seminar, I learned that giving and receiving are two sides of the same coin. A giver needs a receiver and to be a receiver there must be a giver. A giver is not superior and a receiver is not inferior. We must learn to be both a generous giver and an excellent, grateful receiver.

Being a good receiver means that instead of feeling guilty when we receive something, we feel grateful. We let the giver feel the pleasure of giving and be thanked for their generosity. Next time, if someone gives you something, just say thank you gracefully and give thanks to God for the blessings. If you want to return the favor, do it at later time and be a generous giver expecting nothing in return.

Some cautions: since not everybody understands this concept of being a good receiver, you may encounter some awkward moments when you put this into practice. For example, if your spouse, boyfriend, or girlfriend says “Darling, I love you” and you simply say “Thank you” without saying “I love you” back…you can be in big trouble HAHAHA. In order to avoid this situation, please ask them to read this blog post 🙂

Thank you for reading.

Learn and Grow!

PS. Yesterday I received lunch blessing from friends at Atria, so thank you. This morning I received another breakfast blessing from Church friends at Soto Kirana, thank you to both of you. God bless.

The Millionaire Mind Intensive Singapore Day 3

Millionaire Mind Intensive

I took this photo at the end of the course yesterday. When I was going to post this photo, I realized something very important that is really the essence of this training. It is that:

The secret of the millionaire mind is that your inner world creates your outer world.

It is also true for any area of your life that your inner world creates your outer world. What you have right now is the result of your beliefs, thoughts and feelings in the past. If you do not like what you see and you believe that you are capable of so much more, then start working on your inner world (mental, emotional and spiritual).

We often focus too much on changing the results by learning new skills and strategies, but we forget to work on our beliefs and values. It is like treating the symptoms of the disease rather than the cause.

On the other hand, It does not mean that you neglect learning new skills or strategies. There has to be a balance. You must work on both!

If you ask me about this seminar, I can tell you that it is awesome, fun, very useful and practical. In the last three days I had a lot of revelations, AHA moments, emotional release, as well as validations of what I did right. My inner landscape is being revamped and redesigned. I pulled the weeds out and sowed new seeds of success.

Since the method of the seminar is experiential learning, if you want to learn, you really have to experience it yourself. I can tell you what I learn but it will be superficial. You need to experience it to get the learning into your cell.

There will be another Millionaire Mind Intensive course in Singapore and Malaysia next year. If you are interested, I can help and guide you to get into the course. Please email me at: ingesantoso(at)

Learn and Grow!

The Millionaire Mind Intensive Singapore Day 2

The second day of the seminar is more interesting than the first one. There are more hands-on experience and application of what we have learned.

The most memorable moment for me was when we did a pattern interrupt. I had a negative belief about money that when my parents gave me money, I was going to lose it. Harv Eker asked us to visualize and reflect how these negative beliefs had cost us in life, then intensify the feeling…while we were doing it very seriously, he played a recording of people giggling and laughing. When I heard it, I actually started giggling, I even found it hard to stop laughing because other people also started laughing in waves. I could not hold the image in my mind anymore, the negative pattern was interrupted! Whenever I think about this negative belief, I just start to laugh all over again.

I’ve done pattern interruptions in other seminars before this one. This is by far the most effective!

I felt to so relieved to get rid of this one belief because it has haunted me for years. I used to feel so guilty when I ‘caused’ my parents to lose a large amount money in several investments in the past. I said ‘caused’ because my parents invested the money to help or support me. The ones that hurt the most was the FYI investment. Although they made the decision to invest by themselves, yet I felt guilty because if I were not a factor, then they would not have made that investment. There were other investments that I also felt guilty because I thought I had influenced them to start and I did not try hard enough to stop them when it did not work out. So much guilt and burden to carry around, but yesterday I finally released them. I feel so much lighter afterwards.

I believe that this feeling of guilt has stopped me from taking bigger responsibility and reaching my potential because I was afraid that it would happen again. The mixed emotions of guilt, fear and hurt had confined me in my comfort zone. No more! Now I am free!

Learn from my mistake and grow!

Inge Santoso

The Millionaire Mind Intensive Singapore Day 1

harv eker

Yesterday I started to attend T Harv Eker’s seminar The Millionaire Mind Intensive.

What have I learned so far?

  • I discovered my money blueprint and how it had held me back from achieving success and becoming wealthier
  • Some negative beliefs that I have about money must be unlearned and replaced with more positive ones
  • I understand money management better and I know how I can use it to improve my current system
  • Money attracts money. Start creating your money magnet.
  • Love and nurture your investment golden goose. Gather and grow your passive business income geese.

Learn and Grow!

Blog Action Day – Poverty

Today is Blog Action Day and the topic this year is about poverty. I am joining other bloggers around the world to write about poverty.

What can I do to help and make a difference?

As a teacher and coach, I usually seize the opportunity to talk about personal finance with my students whenever the opportunity arises. I see a need to teach them about personal finance because:

  • Almost all of my university students have no clue about managing their finances;
  • They may have heard about interest, yet they do not know the power of compound interest;
  • They do not know the danger of consumer debts;
  • Negative beliefs about money are prevalent. Scarcity mentality can be found everywhere.

I have a 3-hour seminar about personal finance for young executives, students and teenagers. It is called “The Secret to be A Billionaire” (Billionaire is the new standard for wealth here in Indonesia because almost everybody is a millionaire ha ha ha) I use some of the basic principles written in the book “The Automatic Millionaire” by David Bach and combine them with other financial tips from various sources. I talk about savings, basic investment strategies, reducing debts, giving and shifting beliefs about money.

I want to be given the opportunity by various universities and schools in Solo to give this seminar to their students, so I can help and make a difference by equipping the next generation with better financial knowledge and skills. I hope that by learning about personal finance, they can become catalysts for breaking the vicious circle of poverty.

Learn and Grow!

Inge Santoso, B. Com for Blog Action Day 2008