Advice needed on how 30 yo female can become self-made millionaire

kent,

i'm curious.
i'm not saying I don't agree with you but then, how do you decide if you gonna go ahead with something when you dunno if you gonna be lucky or not?

only on hindsight then you got better chance of establishing if luck really played a part right? even then, that is presuming if luck really exists, and in so doing, you might be externalising all your problems and shortcomings, which is also, not good.
 


Bedokboy, you shouldnt even agree with me. Tell me which organisation based their fortune on luck? Which business actually based its strategy on luck? There is no such things as luck in any business, period. Luck is a past tense in any business... that is when you read the sign correctly and you make a fortune = Lucky. You dun read the market and you lose big time = unlucky.
And only scope thinks that luck is the critical factor in any business and investment.
 
ohhh u not saying luck is important. ok i mis-read.

I do feel some measure luck is important but how u prepare and eliminate chance of failure is also important.

Your earlier post sounded like you believe in luck (a lot) too.
 
anyhow this post made me think a bit.

for someone in mid 30s i'm earning less than my peers. even tho i'm given more responsibility than before my increment was only enough to buy me a litter fine (1st time offence to be exact haha).

Looking at buying a modest HDB now on my own and I'm already stretched! Sometimes the stark reality does seem quite daunting. After house everything wiped out and will seem like fresh start all over again.

sigh.
 
you never know, after years of hardwork you may just find your break soon. There is only one thing you should never do, never give up. Just press on even when you find yourself struggling alone.....
 
bedok,

u have more aptitude than 60% of the guys i meet, u'll have to figure out Why u aren't getting the headway u should... i think u need more aggression and hunger, and not be afraid to wear it on your countenance.
 
i think the singapore reality is like that, sigh. I think about getting a flat on my own in the future, and I'll be immediately in debt for 20-30years, I feel really demoralised. I used to be quite keen in getting rich too, think about the millions and what i can do with them. But trying to get rich, as why as thinking why i am not getting rich is a pretty stressful and tiring thing...have to keep thinking and trying out get rich schemes. I've come to realize that i've much better things to do than to do boring stuff like earning $$$, so now i simply don't care liao...hahaha, so 'loser' attitude hor
 
hwwebs,

i'll be fair here,,, everyone would like to eventually own a home in spore, regardless of size or price... thing is, most of us can't afford to purchase by cash... not just sporeans but in most cities... that's where the banks comes in to offer us the option to use it's money to make this purchase, and with interest. whether or not we exercuse our option to buy a house is entirely up to us... we dun have to, we dun need to, but if we want we have the bank to help us realise this.

searching, buying, are all our choices...some of us do the homework, some dun... some are careful, some are kan cheong... all are in our hands until we part with the deposit.

we are the focal point to these decisions.
 
bedok, dun be greedy, it's a compliment once u realise that i dun give up time-slots to meet pple easily... the guys i meet are pretty cream.
 
scope

for me, i see Appreciating Life in correspondence with money-making opportunities or better-paying jobs.

it's real that there are different levels to life appreciation as we have more spending power, hence it's also real that career goals and aspirations would help to get us there.

nope.. i won't consider this as simple as Greed even though you would... i think, should classify it as Spreading happiness instead since we build better lives for the ppl around us at the same time.
 
Vios,

Yes. When there is an opportunity to make a killing, why not? Just don't harm anybody.

To me, I need money to feed, but I need love as well. And often, the more money you make, the harder to find the right women... LOL~

But I read the forum this far... It's more like greed to me. I mean, people should do as much as situation allows, and being too focused on money will make one lost.

I kinda agree with Hweebs' loser attitude. You'd still make money... albeit not so fast. But you enjoy living as a man, build a home, and stay happy without the lavish pursues. If you make big money, at least you'd be able to use the money instead of becoming a money-slave... forever going for more.

So said, I also hope to expand operations, stay profitable and have no worry for cash... but saying this, I also understand luck could be lacking and anything might happen. So... you want, but you take wants easy.

Excessive means wealthy, and someone must be poorer. I am not sure if this is spreading happiness... ... or pushing up inflations. LOL~
 
Anyone keen to do sales? Of course, there's no free lunch in this world. Got to work hard for 3-5 yrs and will see returns being compound exponentially

Company: From Japan, international business

Product: MONOPOLY in the market, it's a health product. Absolutely no side effects at all since it's not medication/supplements/meal replacement/injections/creams. If anyone can find something similar, will compensate $10K

System: Simple, easy to pick up & earn $ just by sharing

Advantages:
1) S$85 for lifetime membership (no need annual maintanence)
2) Global system linkage (USA, Taiwan, Hong Kong, Malaysia, Singapore will have its own HQ by end of 2010 or early 2011)
3) Positions will never get demoted (eg. Once promoted from a Consultant to Manager, you'll stay as Manager, so on)
4) Zero risks (no need to buy items to maintain the points or position)
5) AGM and above is hereditary (can pass the title and earnings to the next generation)
6) NET receives bonus commission from Worldwide

Let me know if you're keen to find out more.
happy.gif
 
Scope,

that's quite a contradiction there dun u think? u wanna achieve no worry for cash, and u're encouraging pple to slow down and enjoy life... yeah u need lotsa luck in such case.

anyway u have little need for money, so to make it sound like u're on the same platform for everyone and have little such need... is not the same as the common man who has the need for money. i think u need to think on the ground and not just pretend to think on the ground when u enjoy the comforts of having financial backing when things go awry.
 
Hi doLL,

Yes, it's Direct Sales or MLM. And I do understand that these 3 letter words will "scare" all people away.
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Haha, I was one of them.. very very skeptical and very very resistant initially. But my whole concept change when my family and I tried on some items and it really improve our health. For there onwards, I trust the products is effective. (Don't judge book by its cover).

Back to MLM. Well, it will depend on your perception on MLM business.

MLM involves in our daily life, just that we did not notice it. For examples, saleman selling car. They earn commisssion with our purchases. Only difference is that their compensation plan is different. They have fixed salary, variable commission,bonus and benefits. But MLM biz, only have variable commission and bonus. These income can only be earned if decided to join their business and hit their sale target.

Another typical example of MLM biz is, freelance insurance agent (AIA/NTUC/Great Eastern etc). Insurance share the same compensation as us. Products are also spread by the word of mouth but why do we still buy from them. Simple, our perceptions.

Traditionally perceptions :
- need to maintain monthly target, if unable too, pump & pump own $$ to maintain
- products may not be good but compensation is plan is good
- pestering people to buy & buy after each purchase made
- fast investment , fast return

For me, I just treat it as "business to consumer". Pay $85 for lifetime membership with company product as free gift (worth $250) for us to try and get a distributor price. Then we will revalue to sell at a fixed retail price set by them. If you're working with a stable job, this residual income can help me to minimise household burden. Even if in the future you're not doing the business, you can still keep the membership card to purchase their items at a discounted price. It's our choice if we want to continue or join the business plan. If one is not comfortable with the plan, they can still enjoy the products with discounts.

For example, Tupperware. Do you know, they have also diverse their business to MLM in the recent years by engaging housewife in promoting their products to consumers like us. I just got to know recently. Went to the marklet for breakfast and saw this group of anunties gather around buying tupperware. So i am curious and went to see. Their leader is actually updating them with new products. All have shopping lists. Haha, strong customers base.

And of course, they are some people who did the MLM business in an unethical way, that maybe where the wrong perception came about. As long as we do it the correct way, customer and friends will still support us because they worn it and proven that products are effective.

Hope this helps, apologise for the long winded mail.
 
Jessica,

"Product: MONOPOLY in the market, it's a health product. Absolutely no side effects at all since it's not medication/supplements/meal replacement/injections/creams. If anyone can find something similar, will compensate $10K"

is it a device that emits special rays that can fortify the body? my friend's dad also runs a business that sells strange machines that purportedly promotes healthy benefits. he said that after lying in the machine, he feels 'healther'.

is the product scientifically tested? does it have any certification by health authorities?
 
Jessica,

tupperware DID start as direct sales way back even when i was a toddler in the 70s... they call it 'tupperware party'... what u're seeing has been happening for a long long time. this same concept is being practised by companies selling pots/pans and many others... i think the forefathers in local market is tupperware, forever living products, and a few whose name i can't remember.

anyway it's a good thing to be in MLM as long as u have the right mindset and attitude... there's much to be learnt.
 
May,

that's where the presentations comes in... if u do have interest then u need to find out more instead of worrying first... but of cos, 90% of the presentations u go to... focuses on the money money money... but this being largely a local culture...
 
Hi May,
It's not a device, will not emit special rays or need electricity.
happy.gif


Yes, this product had been rewarded 3 honorary prizes:
1) Ohkochi Prize (similar to Nobel Prize award)
2) Onshi Invention Prize (awarded by the late Japanese Emperor Showa to recognize the proof of its effectiveness and its contribution to human health)
3) Chemical Technology Prize (Greatest honor in Japanese chemical field for the process of producing such a high tech product)

- It is recognized by the Government Association of Public Health in Japan
- Recognized by the Japan Mountaineering Association
- Recognized by the Japan Fire Retardant Association (JFRA)
- Ms. Masako Izumi, who successfully reached the peak of Mount Everest (highest mountain in the world), was able to accomplish such task partly with the help of this product
 
Hi Powder,
Thanks for explaining, I was very very very skeptical in MLM, and frankly, I dunno about Tupperware until recently. Pardon for my ignorance.

You're right to say that if any one is keen, do come down to the presentations. It's free and no obligations. Just keep me informed when you're coming down, so that, I can reserve a seat.

Note that this product had been in the market for:
Japan: 38 years
Taiwan: 21 years
USA (over 50 states): 8 years
HK: 5 years
Malaysia: 4 years
Singapore: HQ will be here end of 2010 or early 2011

I can be contacted at [email protected]
Schedule of presentations as follows:

Chinese:
30 Jun (Wed) - 7.15pm @ Rochor Centre
1 Jul (Thur) - 7.15pm @ Hotel Royal (Newton)

English:
2 Jul (Fri) - 7.15pm @ Hotel Royal (Newton)

Again, it's free and no obligations. Just come down to understand more about how this product can help you & your friends and also as a pipeline to your current income.
happy.gif
 
no problem, most welcome... we learn something new everyday... i know it cos i am much older than u and our family was using tupperware and aloe vera from time to time...
 
scope,

as per mentioned on your business aspiration - if you want to expand operations, you will also require the kind of capital - prob not right now, but in time to come - to be able to do that... and you def need step-by-step implementations as well. so, how is it that you want to be stay profitable and have no worry for cash without these viable factors?

that's why you don't get me on the "common ground", like what powder have elaborated.

it's not just appreciating life - as mundane as you currently prefer but also your very own aspirations as claimed - to be worry free about money in the foreseeable future.
actually, you do know that it's not entirely Greed and become money-crazy to seek your own aspirations, but you prefer to judge others in that manner to feel better about the current situation, ie. yourself.

additionally, it is not necessarily that one will become destructive on self and to others, as and when, there're adequate planning for any kind of aspiration.

all in all, we don't just sit back and adopt a passive attitude to achieve what we potentially can - and in doing so, only see negativity towards those who have succeeded in theirs.

hweebs,

of course we do need to make repayments as we seek the mortgage loan from the banks or hdb... but if you make the right call, it can be a very wise investment instead.
 
it's easier for him to tell pple to rest on their laurels and accuse others of being greedy becos he Doesn't actually need to get out of any cycle, he is already part of the priviledged... and his start is what most of us may take 20yrs to Reach at the end...
 
Vios,

Well... You probably don't understand what I am driving at. No offence. Hopefully when you do make the money, you'd understand. LOL~

Take life one step at a time. No matter how rich you people are... my bro's one night wager in Macau is around 1 million USD... If money is the benchmark...

Singaporeans will be mostly losers...

Where money is concern, just be profitable, and see how to expand and try not to harm the society. There are many things more important in lives... Hence, I agree with Hweebs' loser attitude on this one, because that makes her allowance to focus on other dreams of hers and she won't be so unhappy in comparing wealth...

Greed... When you don't really understand about excesses... it's always greed. You will always feel not enough... How aspiring can that be?

For me, I just hope everything is ok, and later branch out steadily, and let my children has a platform to start out in life later. That's all.

Simple simple simple.

Then I migrate. LOL~
 
powder and vios,

ya true, it's difficult in s'pore to buy a hdb, not to mention a house, and there's always banks, investments, etc. But to put so much of yourself and your life into what is just one aspect of living, is kind of saddening for me. What is living about? It's to have a safe and secure home, a family, friends, a vocation/career, an ideal, and a meaning to life. But looking at the situation in terms of getting a home in s'pore, it probably takes up about 80% of our entire lives and our entire savings to get there, to just get there. I don't know...I think it's kind of skewed lah.
 
well hweebs,

i started my career at $416, and tat's not even army... when i restarted my 3rd career at $1,200, my dreams and goals never faltered. i didn't feel defeated even when i restarted at 25 with 1.2k salary... the solutions are in Increasing your income, as simple as that. the question is how to get to maybe a 8k or 10k income... figure that out and u dun have to figure out HDB prices and wonder when u will comfortably afford one.

your good fren Scope has gave u a distinct term of "Hweebs' loser attitude"... This coming from a person who talks abt not needing to work hard and depend on luck... with a brother who wages usd 1 mil in the casino.

this is the fella who is Teaching u abt life, and agreeing with u on the defeatist attitude. let's just say in 20-30yrs when our parents die, he has the most to inherit.

so choose your advice wisely, and lastly, dun listen to your current mindset... it is skewed becos nomatter how long u type here, u will not improve your life... and it is not anybody's fault but yours to bear.
 
all HDB home owners and 99 year leaseholders are not really home owners in the legal sense but tenants with finite span.

HDB home owner is strictly a misnomer.

there is basically next to nothing to leave for the children for most ordinary HDB dwellers maybe that is the reason why they want to flip flip flip and squeeze max cov out of their homes
 
Powder,

It is not a defeatist attitude. It's how one perceive wealth, that's all.

You can grab a good opportunity to be rich, but your life isn't about just big money, and that you'd do anything despicable to grab it. Too many are doing so. Sunshine Empire, private education... to even make students hookers, and those bastards playing religion for money...

What's the big deal of even restarting a career at $100,000 per annum? One private party hosted in China costed about USD1.5m. Offers from rich tai tais to be their boyfriend were anything from a million onwards.

Is money such great benchmark? Is that empowering? When people are poor, they talk about serving the society, giving to the poor...

Reality is, most super rich's life is about:
Sex, sex, and more sex. And one sex party can come to anything about USD500,000.

What really is a millionaire?

Just pursue your dreams, be a good person, stay profitable, that's all. True love is what money can't buy... ... I was talking to some local civil servants at a country club during lunch...

Some were buying overseas properties for their other wives. LOL~ I have never heard of a wealthy folk telling me "We should do more for others...".

This is reality. Like it or not, pure greed. Once you are hooked, you are hooked into Hell. So who is with defeatist attitude.
 
May Ong,

Even freeholds ain't safe in Singapore. LOL~ It's always your personal bargaining power with the government.

Freehold is just another legal rights as 99years old... and legal rights can change... or be overruled.

I'd never buy a freehold in Singapore when the lands are so compact together, and the next day... you'd find the government coming down telling you that for a major development, you'd need to 'sell' your properties to them and move elsewhere.

Just get a home, a small car in Singapore... Many peers investing billions (mostly consortiums) overseas got a tiny van and a HDB in Singapore and their major investments are all overseas.
 
scope,

no worries on the no offence part, cos your posts in this thread are not at all difficult to comprehend... ahem, no offense to you as well LOL~

in short, your main goal in life is to seek your so-called true love because you can well-afford to fall back repetitively on finances that are not self-make - which reminded me of the posts on "entitlement to parents' assets" or something in an earlier thread - whereas for those Aspirations and Career goals on the very "common ground", it's like right now or never... it's either Planning-for-it, or Keep-whining-abt-it..

eg. for Hweebs, do we think that her dream of buying her own flat should be scrapped because of the repayment portion?

- people like you would tell her to forget about her dream, be contented as a counsellor and just seek her true love LOL~

- people like me would tell her that, a good amt of Homework on property itself is likely to translate to a good form of investment in the long-run, provided that nothing drastic happens... and of course, it's her call to Plan for the cash portion right now, or be convinced to remain where she stands.

of course, i'm not making references to harm and cheat people, harm society or lose track of other important aspects in life.

i think it's how you deem it to be, because you have some sort of biaseness towards the aspirations-seeking people who are only improving life for themselves and their love ones.... that's why you keep labelling "Greed" as you are too laid back to understand their purposes in life - not everyone can well-afford to do nothing but seek love and entertainment...

so it is pretty out of point to tell me about your brother's stake in a thread whereby i'm basically telling people not to give up on their dreams and aspirations - if there's any thing else worth mentioning abt Greed, i guess you just did.
 
Scope,

appreciate the life lessons, but u and i definitely have different values... u use very exagerrated stories to make simple points... i use more realistic stories to make a simple point.

in any case, the world u see is full of debauchery and your mind seems stuck in this world where anyone who wants to gain more finances is Greedy, and the rich are only into sex, blah blah... u might have spent too much time watching TV serials and recently switch to those taiwanese programmes.

your stories are totally unrelate-able... usd 1mil wagers, usd 1.5mil parties, usd 500k sex parties...

funny thing is, u make it out to be everyday life in a place where pple dun live in such cricles... and then u use it to condemn the forummers here who dun even spend sgd 1.5k on a party, let alone usd 1.5mil.

in other words - u tok alot of irrelevant nonsense that isn't applicable, and u expect pple to listen to your advice for their daily 5k/mth lives, using your 1mil a month kind of lifestyle...

absolute rubbish. u are full of shit.
 
hweebs and albee

what i'm reading in your posts, is not really your own point of view because you are not exploring it too much yet

do we have to spend the next 20-30 years just thinking about the mortgages, or do we seek to improvise on the opportunities deriving from this purchase?
 
yo vios,

tat's my point... u have the 'chicken little's, and u have the 'chicken little' echo-groups who echo down that "the sky is falling"...

i am so sure that a good 80% of pple out there are echoing the property sentiments, More than they'd actually be on the ground looking, exploring, negotiating to get one of their price... for an 'asset' which everyone wants to achieve, most pple seem to treat it like a toyota corolla purchase - just ask price, test-drive 3km, and then buy becos uncle john is buying 1 too. and uncle john says good they buy... well uncle john also say "property cannot buy now", they also listen...

"property" is such a general term, does he mean hdb? walkup? condo? apartment? landed? terrace? strata bungalow?... orchard? east coast? siglap? tiong bahru? punggol?... 2rm? 3rm? got balcony? got patio? got amenities? 99yrs? 999yrs? FH?

uncle john just said "property cannot buy now"... must we believe that he has actually made effort to check every single property types? must we assume he checked every variation and is accustomed to every location?

our properties may not be cheap, but our properties dun lose value that easily unless u buy something really crap... but if u buy something really crap, u would have paid much less for it when u bought it.

if u believe property prices won't come off, if u believe property prices will go higher... then the most simple thing to do, is to buy early... uncle john probably has a roof over his head and does not have the same concerns.
 
Powder,

Silly. Wealth is relative.

I just want you to understand about wasting your entire life in the pursue of something you could lose overnight, and that you'd like going to take 100 lives to attain.

If you choose not to think, it's up to you. For me, I certainly horn my abilities and when the opportunities come for my dreams to be realised, I'd do it.

Like I said, so what you restart your career with $100,000 per annum? So what May Ong becomes a millionaire overnight? So what those get-rich-schemes harm the society and you become rich quick?

It's just pure greed.

I am also poor. But I did not insist the billionaires to aid me. I don't think becoming a millionaire so that May can wave the money in front of her in-laws is healthy as many would talk about 'empowerment'. Empowered for what?

For a stupid condo to fulfill some hollow ego or low low self-esteem? Look at Singapore... everyone pursuing money like crazy... Abilities become secondary. Many cheong the real estates, insurance, and such... Homes become expensive, nobody cares if their second generations can take all these inflations, career paths become scarce and lousy...

A local multi-millionaire went to China and... gamble with my associates, never thought one wager is USD2m... Lost until he almost bankrupted...

A local billionaire went to Russia, lost everything overnight, and his 'beloved' wife walked off with two kids... reported in newspapers.

Fine. The big difference between a wealthy man and normal wage taker is one fvck $50,000 model a night and one paid $40 for one shot in a dirty room in Geylang...

I am going to open an eatery later on in Johore, in talk with the local authority recently, and that's only because I love to eat. Do what you really fancy... pursue what you love...

And let heaven decides the rest. Life is short for most, don't waste your time dreaming about excesses. Pursue your love, even if you fail, you tried.
 
As a single, to get a hdb when i'm 35, will cost me at least 300k for the house alone, minus interest. Say i have 30K at hand, and can save up to 10k per year, it's still 270k at 10k repayment per year: a whooping 27 years. And that is excluding renovation, furniture, fixtures and utilities! That's 27 years in DEBT.

I don't do debts. At least not for the moment.
 
Hi May & all,

Just wanna check if anyone wants to attend the free seminars. I can be contacted at [email protected] or 9127 1942/9160 1696

Schedule of presentations as follows:

Chinese:
30 Jun (Wed) - 7.15pm @ Rochor Centre
1 Jul (Thur) - 7.15pm @ Hotel Royal (Newton)

English:
2 Jul (Fri) - 7.15pm @ Hotel Royal (Newton)

Again, it's free and no obligations. Just come down to understand more about how this product can help you & your friends and also as a pipeline to your current income.
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Thanks
 
Hi Scope,

But it feels good to be have finiancial freedom to do all the things you like.

I can't wait for retirement, then I don't have to work and can read all I want.

I really envied my parents and in-laws after slogging all their lives, now they are enjoying their retirement, doing the things they like.

The children are well-brought up. Parents get lots of care and pocket money too.

I want to be like them.
 
dear Jessica,

Thanks for your information but i am not interested in MLM, as i have tried M*way and failed many years ago. Thanks.
 
Scope

yes, wealth is indeed relative... your relative.

can u stop assuming that i killed, robbed and kidnapped pple to earn my 1st million u moron??!! wat's with u? inherited is Good, not inherited is Greed? sheesh... wat a dumbass, all rich kids are monks then...

and i restarted my career at 1.2k per month... not 100k per annum, i have no idea how u plucked that figure. can u turn off the tv serial and actually read instead of plucking imaginary info from the sky?

i think u have a serious mental problem.

u and your "a local billionaire/millionaire" stories plucked from the sky... there is a big difference between Confucius, and u.

u make little sense. u like to eat and u open eatery in johore... that's becos u have the money by stretching out your hands and asking daddy mommy. ya ya, it's your money, watever... u raised and made every dollar? or was it pure luck?
 
Hi hweebs,

You don't have to shoulder all the bank loan yourself. Your future hubby will help you with it.

Are you very young and just start working?

You said you can save 10k a year. 3 years is 30k.
You only started working for 3 years.
So you should be around 26yrs or 27 yrs.

Good that you started young. I only started thinking about financial things when I reached 30 yrs.
 
hweebs,

avoiding debts will be the biggest reason why u incur debt. in the past, it could have been a virtue... but not in this day and age where most pple get the banks to back their investments instead of ploughin their own money.

seems u dun have much confidence in your incremental income...

when u say "I don't do debts." , u must understand what this really means... it means u will not do something that 90% of successful pple/companies do... so that leaves u to either the 10% who succeed without debt, or that leaves u to the many who think like u and thus struggle in their daily lives til a good old age...

the implications are there. rethink what u've said after u've done your research into pple who do well in life and explore the debts they take and their view of debt...

there's good debt abd bad debt... u may be looking at it in the wrong way... but this is just my advice and opinion.
 
Albee,

There is no financial freedom in real. Like my primary teacher said, that I agree till these days...

"Only your talents and abilities will stay with you forever."

The more you make, the more you spend... and the more greedy you become, you'd only become lost, and there is no more freedom as there are more and more and more you'd want.

You can say, I never believe in luck; I only believe when opportuntiy does come, I'd do my best. And everyday, I sleep well, I know I am going to heaven... if there is a Hell. ^.^

And I can condemn (eg) CHC for having a CEO and make so much excesses in the name of God when so many people are jumping to Hell. In Christianity, suicides go to Hell. And these people... hoarded so much money for themselves...

Life is short, have some dreams, and try move towards them. As for me, I am looking for partners to make movies. I know all the channels, I need partners to share the risks...

But if I don't get help, I'd move ahead myself... even if it means slowly. See?

Don't waste time dreaming about an easy life... Life will come to an end, only your dreams will last. LOL~

So what one earns $1,500 a month? Horn your abilities, and be prepared for opportunities... I like what Hweebs said, even though she doesn't exactly understands why I support her.

Respect oneself, stand tall, be happy. Hweebs' pretty naive, but something good about this stubborn girl is probably because she's like a blank paper and she doesn't let all those penny-less thought comes to her.

When I went to SICC, I saw those women... cold eyes, soul-less... And I wasn't surprised it made news when a man collapsed and NOBODY bothered to tend to him when the clubbers just drove off.

Yeah, that's 'financial freedom'... and the thing you like to do. LOL~ Just drove away... Doesn't even sound humans to me. LOL~
 
hweebs, retail debt is bad (incurring debt to buy things you eat, shop, and put at home, put in the cupboard).

debt for investment is good, but you have to be wise with how you borrow.

i think that as a counsellor, it would be good if you could pick up some books on personal finance. this would also help you when you counsel people, as many problems arise in life and relationships due to money (the fighting over it or the lack of it, etc). just a suggestion
 


Hi May,
No problem at all, it's yr choice.
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I'm not gd in expressing myself. But failure in M*way years ago might not mean that you'll fail this round. Why not give yrself a chance again? I'll not force u into anything, I promise.

If you're unsatisfied with your current work/business/health - Why not come and understand how this can help.

The're an old saying: The same method can only produce the same result. To have a different outcome, you'll have to change!

When is life ever smooth-sailing? When a smooth sea never made a skilled mariner.

Winston Churchill quote "A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty."

Carl Hilty quote "In the life of a virtuous person, there is always a chapter of suffering. Without it, one cannot become a person of substance."

Sorry again for being so long-winded.
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