being thrifty does not mean outsourcing!

http://m.tickld.com/x/american-management-explained-this-guy-nails-it

You need to differentiate your core business against non core before deciding if you want to be thrifty and end up hurting your margins more!

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In doubt, sell half

Investment is an art, science, logic, meta-science and luck process.

The theories and history in the marketplace cannot determine your success in trading.

Nevertheless, you will find out what is best for you through some experience and experience would have to come from failure!

Have fun trading!

in doubt sell half

Life Insurance is not Blind Spending!

It is no longer “I was being duped into buying insurance by the agent” days.

This is the time where we need others and I mean collective others to protect ourselves against any health crisis.

We are having a longer lifespan and not forgetting an easy 3-4% escalation in medical bills each year, we are unable to catch up with the rising medical bills. Even if you can, do you want to lose all your savings just because of an operation and medication? Your children lose their inheritance, study fees or even overseas studying opportunity because you have failed to plan seriously.

Start early if you are serious about your life as well as your children’s well being. It is not just spending time to watch TV with them, you need to start planning not just for yourself but them too!

life insurance

The fundamentals about interest rate

https://m.yahoo.com/w/legobpengine/finance/news/0-interest-instalment-payment-plans-160000687.html?.b=index&.cf3=Special+Features&.cf4=4&.cf5=MoneySmart&.cf6=%2F&.ts=1416477505&.intl=sg&.lang=en-sg

Imagine yourself being the owner to receive these interest!! Now we know why we can be poorer while others grow to be reacher!