Hanging Flowers Joints

[K9696]

Originally Posted by DO_YOU_BJ

Well, u can save your $$$ and read it here if u wanna:
http://www.scribd.com/doc/3968484/Ch...ce-Black-Heart

Noted.. bro.. already bookmark the page.. will read and fight with the Japanese Terriorists

[DO_YOU_BJ]

Originally Posted by K9696

Noted.. bro.. already bookmark the page.. will read and fight with the Japanese Terriorists

Yeah yeah, i'll be your backup.
When the secretary comes, i'll go charm her to bed and make her our ally hehehehe
So this one safe, cos not nitescene related......so not goin against divine decree hehehe

[MoralEpitome]

Okay as part of my promise to post useful insights on financial literacy so that all bros can benefit and have an enriching life to cheong the distance I will post the following article on:

The 5 Laws of Money:

1. Money comes gladly and in increasing quantity to any person who save at least 10% of his/her earnings (first step to Financial Freedom).

There are only 3 Cashflow Scenarios:
a. You spend more than you earn: This person has negative cashflows and likely to end up owing other people money (eg. credit cards, friends, relatives, loan sharks).

b. You spend all that you earn: whether this person is earning S$2,00 a month or S$200,000 a month, he/she is still "Just over broke".

c. You spend less than you earn (eg. save 10% of your eanings).
as time goes by, this person will automatically get richer and richer.

Which cashflow scenario do you want to CHOOSE for yourself?

2. Money can work for you, if you become the “wise owner” of money and make money work for you. (note: you’re the Master, money is the slave, while many people are guilty of being slaves to money).

We should Love people, use money. The sad thing is there are people who Love money and use people instead.

3. Money will be safe and grow if you invest it wisely or if you invest under the advice of people who are wise in money. ie. investment knowledge is key to making money grow. You can either acquire Investment Knowledge yourself or you can invest money under the advice of people who have investment knowledge.

4. Money will slip away from the man who invests it in businesses or investments with which he is not familiar or not “approved” by people who are wise in money. ie. Ask the opinion of those who are wise in money, they might be able to offer you information or advice that can prevent you from losing money.

5. Money flees the man who falls into scams created by tricksters and conmen, who promise “impossible earnings”. One common weakness of human beings is "greed". Greed can make a person who is usually alert and smart "stupid". Greed can blind a man and is the main reason why financial scams continue to exist whether in ancient times or in the modern day.

Simple but extremely difficult to execute.

[K9696]

Originally Posted by MoralEpitome

Okay as part of my promise to post useful insights on financial literacy so that all bros can benefit and have an enriching life to cheong the distance I will post the following article on:

The 5 Laws of Money:

1. Money comes gladly and in increasing quantity to any person who save at least 10% of his/her earnings (first step to Financial Freedom).

There are only 3 Cashflow Scenarios:
a. You spend more than you earn: This person has negative cashflows and likely to end up owing other people money (eg. credit cards, friends, relatives, loan sharks).

b. You spend all that you earn: whether this person is earning S$2,00 a month or S$200,000 a month, he/she is still "Just over broke".

c. You spend less than you earn (eg. save 10% of your eanings).
as time goes by, this person will automatically get richer and richer. Which cashflow scenario do you want to CHOOSE for yourself?

Bro.. this part.. I dun totally agreed with you.. saving 10% will not give you richer.. looking at our cost of living lately.. this is not true and due to inflation.. your 10% will shrink drastically - the value of the dollars will not give you comfortable living unlike our Dad's generation..

Now we are developed country, therefore, if your salary grows at a decreasing rate, you are not able to attain 10% saving at all.


2. Money can work for you, if you become the “wise owner” of money and make money work for you. (note: you’re the Master, money is the slave, while many people are guilty of being slaves to money).

We should Love people, use money. The sad thing is there are people who Love money and use people instead.

3. Money will be safe and grow if you invest it wisely or if you invest under the advice of people who are wise in money. ie. investment knowledge is key to making money grow. You can either acquire Investment Knowledge yourself or you can invest money under the advice of people who have investment knowledge.

4. Money will slip away from the man who invests it in businesses or investments with which he is not familiar or not “approved” by people who are wise in money. ie. Ask the opinion of those who are wise in money, they might be able to offer you information or advice that can prevent you from losing money.

5. Money flees the man who falls into scams created by tricksters and conmen, who promise “impossible earnings”. One common weakness of human beings is "greed". Greed can make a person who is usually alert and smart "stupid". Greed can blind a man and is the main reason why financial scams continue to exist whether in ancient times or in the modern day.

Simple but extremely difficult to execute.

Bro.. i agreed to certain extend in your statement...

[MoralEpitome]

Originally Posted by K9696

Bro.. i agreed to certain extend in your statement...

Agreed....however....with the cheonging activities can't even save 10% haha...that's why need bro JC to treat...and with inflation you have to invest your money to beat inflation rate...if you leave your bank in the bank...it will lose purchasing power by 3 to 5% a year...anyway these laws are not said by me but by some wise old man...

[DO_YOU_BJ]

Originally Posted by MoralEpitome

Agreed....however....with the cheonging activities can't even save 10% haha...that's why need bro JC to treat...and with inflation you have to invest your money to beat inflation rate...if you leave your bank in the bank...it will lose purchasing power by 3 to 5% a year...anyway these laws are not said by me but by some wise old man...

The 1st key to wealth starts when you achieve financial independence!
Even if you have loans to pay per month, cars, house, credit cards............and after paying them all, say you still have 10k left of disposable income per month to spend or save, technically, you're still in DEBT.
Strict discipline to clear all your debts ASAP if the key to financial independence.
This area, i am a 1st class failure

[MoralEpitome]

Originally Posted by DO_YOU_BJ

The 1st key to wealth starts when you achieve financial independence!
Even if you have loans to pay per month, cars, house, credit cards............and after paying them all, say you still have 10k left of disposable income per month to spend or save, technically, you're still in DEBT.
Strict discipline to clear all your debts ASAP if the key to financial independence.
This area, i am a 1st class failure

My 5 laws only applies to mortals like myself not to demi-gods like you ley...hahaha.....

On a serious note, there is good debt and bad debts....eg. good debts could be mortgages, bad debts is my creditlines.

[Ichigo_Kurosaki]

Originally Posted by K9696

good morning..

Now.. will be more political war going to happening soon... therefore i need to read up some books to fight this war.. one of them (Just had a discussion with my mentor DG- this morning, 7am).. Thick Face Black Heart..

God bless me.. I am going to walk with Fire.. so.. HH thing.. if happening.. just messaging me hor... dun chuck me one side.. n cheong yourself..

Good mornnig, was about to hit the sack and look see look see ..

Check your pm on another secret manual



Walk the fire and go win the battle and war

[MoralEpitome]

Originally Posted by Ichigo_Kurosaki

Good mornnig, was about to hit the sack and look see look see ..

Check your pm on another secret manual



Walk the fire and go win the battle and war

why u only pm k96 and not me? i also need secret manuel

[jacky chan]

Originally Posted by MoralEpitome

why u only pm k96 and not me? i also need secret manuel

Bro we are not in his list ....we are in the pending list

[MoralEpitome]

Originally Posted by jacky chan

Bro we are not in his list ....we are in the pending list

Sad sad sad....guess we are not included in the king's club...hehe

[jacky chan]

Originally Posted by MoralEpitome

Sad sad sad....guess we are not included in the king's club...hehe

Ya u and me can oli be in Safra club, ppl having fun, we are holding guns, hv u ever wonder , y this must be, cos we love our fren n want him to be free, to be free ...

[MoralEpitome]

Originally Posted by jacky chan

Ya u and me can oli be in Safra club, ppl having fun, we are holding guns, hv u ever wonder , y this must be, cos we love our fren n want him to be free, to be free ...

err I don't go safra club one ley...usually you will see me at rtc....

btw are you joking about our nsmen?

haha

[jacky chan]

Originally Posted by MoralEpitome

err I don't go safra club one ley...usually you will see me at rtc....

btw are you joking about our nsmen?

haha

RTC so are u the one who pay extra too? NSMen I salute them hor, u don sabo me , later MOD come n look for me.

[MoralEpitome]

Originally Posted by jacky chan

RTC so are u the one who pay extra too? NSMen I salute them hor, u don sabo me , later MOD come n look for me.

Yup....that time we overpaid for this so called exclusive club available to limited people....end up they invited much more than expected....sued them in court but ended up with only some vouchers...lol

You above 40 years of age no more ICT leow wat