穷则变，变则通，通则久。
Pragmatic 务实
Friday, November 28, 2008
Thursday, November 27, 2008
Monday, November 24, 2008
聰明人必做的 10 件事
一、儲蓄友誼
靠得住的友誼是今生最溫暖的一件外套。它是靠你的人品和性情打造的，一定要好好地珍惜它，如果到目前為止，還沒有幾筆，那麼，從現在用心去儲存還來得及。
二、學會放手
這個年齡已經不允許不成熟，當你無力把握命運中的某種愛、某種緣、 某種現實，就要學會放手。給自己一個全新的開始，只要信心在，勇氣就在； 努力在，成功就在。
三、播種善良
一定要極盡自己所能，讓那些比你苦、比你難過的人感受到這世上的陽光和美麗。這樣的善良常常是播種，在不經意間，就會開出最美麗的人性之花。
四、懂得音樂
一定要學會一種樂器，它會洗滌你的身心，打開你的記憶和想像，更會帶來意想不到的寧靜。另外還有攝影、收藏，它們都能讓我們的生活增添滋味。
五、避開兩種苦
塵世間有兩苦，一是得不到之苦，二是鍾情之苦。前者在你付諸努力的前提下，就把一切當作一場賭，勝之坦然，敗之淡然，好在這年齡還有一定的資本得以捲土重來；至於後者可說是世間最苦，如果把這時還有這樣的情愫，一定要像清除 灰塵般，把它從心屋裏掃出去。
六、學會承受
有些事情需要無聲無息地忘記，經過一次，就長一次智慧；有些苦痛和煩惱得要默默地承受；歷鍊一次；就豐富一次。這個年齡不該再像小時候那樣大喊大叫， 痛哭流涕。
七、常懷感恩心
當我們參加完葬禮，總會湧起一些感慨；當我們大病初癒，總會有萬般珍惜。 感恩的心一定要時時保留，它不僅讓你憐惜身邊事 物，還能平撫欲望和爭鬥， 甚至幸福的感覺也往往源自於此。
八、熱愛工作
儘管它不像喝茶、聊天那般愜意，但它檢驗著我們的智慧和能力，得以讓我們體現價值及獲得成就。一定要全心愛它，畢竟它讓 你大半生有事做、有飯吃。
九、勤於學習
讀書和學習都是在和智慧聊天，每年至少要讀五十本書，它不僅保證你的記憶力、感悟力，還能讓你維持個性魅力，這可是練瑜珈做美容所不能達到的效果。
十、享受運動
善用時間運動、享受自然。你的體重就不會因懶惰而上漲，你的容貌也不會因歲月而減少生動，在某種程度上更能保存青春、快樂與健康。
靠得住的友誼是今生最溫暖的一件外套。它是靠你的人品和性情打造的，一定要好好地珍惜它，如果到目前為止，還沒有幾筆，那麼，從現在用心去儲存還來得及。
二、學會放手
這個年齡已經不允許不成熟，當你無力把握命運中的某種愛、某種緣、 某種現實，就要學會放手。給自己一個全新的開始，只要信心在，勇氣就在； 努力在，成功就在。
三、播種善良
一定要極盡自己所能，讓那些比你苦、比你難過的人感受到這世上的陽光和美麗。這樣的善良常常是播種，在不經意間，就會開出最美麗的人性之花。
四、懂得音樂
一定要學會一種樂器，它會洗滌你的身心，打開你的記憶和想像，更會帶來意想不到的寧靜。另外還有攝影、收藏，它們都能讓我們的生活增添滋味。
五、避開兩種苦
塵世間有兩苦，一是得不到之苦，二是鍾情之苦。前者在你付諸努力的前提下，就把一切當作一場賭，勝之坦然，敗之淡然，好在這年齡還有一定的資本得以捲土重來；至於後者可說是世間最苦，如果把這時還有這樣的情愫，一定要像清除 灰塵般，把它從心屋裏掃出去。
六、學會承受
有些事情需要無聲無息地忘記，經過一次，就長一次智慧；有些苦痛和煩惱得要默默地承受；歷鍊一次；就豐富一次。這個年齡不該再像小時候那樣大喊大叫， 痛哭流涕。
七、常懷感恩心
當我們參加完葬禮，總會湧起一些感慨；當我們大病初癒，總會有萬般珍惜。 感恩的心一定要時時保留，它不僅讓你憐惜身邊事 物，還能平撫欲望和爭鬥， 甚至幸福的感覺也往往源自於此。
八、熱愛工作
儘管它不像喝茶、聊天那般愜意，但它檢驗著我們的智慧和能力，得以讓我們體現價值及獲得成就。一定要全心愛它，畢竟它讓 你大半生有事做、有飯吃。
九、勤於學習
讀書和學習都是在和智慧聊天，每年至少要讀五十本書，它不僅保證你的記憶力、感悟力，還能讓你維持個性魅力，這可是練瑜珈做美容所不能達到的效果。
十、享受運動
善用時間運動、享受自然。你的體重就不會因懶惰而上漲，你的容貌也不會因歲月而減少生動，在某種程度上更能保存青春、快樂與健康。
Sunday, November 23, 2008
Meaningful
永遠不需要向任何人解釋你自己。
因為喜歡你的人不需要，
而不喜歡你的人不會相信。
別讓某人成為你生命中的優先，
當你只是他們生命中的一個選擇時。
人與人之間的關係只在彼此達到平衡時，
運作的最恰當。
每天早上醒來時，我們可以有兩個簡單的選擇。
回頭去睡，繼續做夢;或者起身去追逐夢想。
選擇權在你手上。
我們總讓在乎我們的人為自己哭泣。
並總為那些永遠不會在乎我們的人哭泣
且我們在意那些永遠不會為我們哭泣的人
這是存在於生命中的事實，奇怪但卻真實。
一旦你瞭解了，改變永遠不會太遲。
別在喜悅時許下承諾。
別在憂傷時做出回答。
別在憤怒時下決定。
三思而後行，做出睿智的行為。
時間就像流水。
你永遠無法碰觸一樣的水兩次，
因為已經流逝的永遠不會再來。
享受生命的每個當下！
當你持續的說你非常忙碌，就永遠不會得到空閒。
當你持續的說你沒有時間，就永遠不會有時間。
當你持續的說這件事明天再做，
你的明天就永遠不會來。
"A penny saved is a penny earned." -- Benjamin Franklin
因為喜歡你的人不需要，
而不喜歡你的人不會相信。
別讓某人成為你生命中的優先，
當你只是他們生命中的一個選擇時。
人與人之間的關係只在彼此達到平衡時，
運作的最恰當。
每天早上醒來時，我們可以有兩個簡單的選擇。
回頭去睡，繼續做夢;或者起身去追逐夢想。
選擇權在你手上。
我們總讓在乎我們的人為自己哭泣。
並總為那些永遠不會在乎我們的人哭泣
且我們在意那些永遠不會為我們哭泣的人
這是存在於生命中的事實，奇怪但卻真實。
一旦你瞭解了，改變永遠不會太遲。
別在喜悅時許下承諾。
別在憂傷時做出回答。
別在憤怒時下決定。
三思而後行，做出睿智的行為。
時間就像流水。
你永遠無法碰觸一樣的水兩次，
因為已經流逝的永遠不會再來。
享受生命的每個當下！
當你持續的說你非常忙碌，就永遠不會得到空閒。
當你持續的說你沒有時間，就永遠不會有時間。
當你持續的說這件事明天再做，
你的明天就永遠不會來。
"A penny saved is a penny earned." -- Benjamin Franklin
Tuesday, November 11, 2008
从跌倒的地方站起来飞扬
第一局在领先的地位下，因为自己的失误而丢了第一局。
第二局直捣黄龙，拌回一分，打成１：１。
午休后，继续第三局。
开局后，不在状况，处于后方。
幸好在关键时刻如梦初醒，逐渐追回失分。
最后，又遇上第一回的局面。
像是冥冥中早已注定，预告着我必须从跌倒的地方站起来飞扬。
当然我不会让自己与大家失望，２：１惊险胜出。
很抱歉，奇迹没有发生，游戏没有延长却提早结束。
致命的，往往是最不起眼的一招，没有花巧，命中要害。
第二局直捣黄龙，拌回一分，打成１：１。
午休后，继续第三局。
开局后，不在状况，处于后方。
幸好在关键时刻如梦初醒，逐渐追回失分。
最后，又遇上第一回的局面。
像是冥冥中早已注定，预告着我必须从跌倒的地方站起来飞扬。
当然我不会让自己与大家失望，２：１惊险胜出。
很抱歉，奇迹没有发生，游戏没有延长却提早结束。
致命的，往往是最不起眼的一招，没有花巧，命中要害。
Friday, November 07, 2008
做自己的貴人
這是發生在美國的一個真實故事：
一個風雨交加的夜晚，一對老夫婦走進一間旅館的大廳，想要住宿一晚。
無奈飯店的夜班服務生說：「十分抱歉，今天的房間已經被早上來開會的團體訂滿了。
若是平常，我會送二位到沒有空房的情況下，用來支援的旅館，可是我無法想像你們要再一次的置身於風雨中，你們何不待在我的房間呢？它雖然不是豪華的套房，但還是蠻乾淨的，因為我要值班，我可以待在辦公室休息。」這位年輕人很誠懇的提出這個建議。
老夫婦大方的接受了他的建議，並對造成服務生的不便致歉。隔天，雨過天青，老先生要前去結帳時，櫃台仍是昨晚的這位服務生，這位服務生依然親切的說：「昨天您住的房間並不是飯店的客房，所以我們不會收您的錢，也希望您與夫人昨晚睡得安穩！」老先生點頭稱讚：「你是每個旅館老闆夢寐以求的員工，或許改天我可以幫你蓋棟旅館。」
幾年後，這位服務生收到一位先生寄來的掛號信，信中說了那個風雨夜晚所發生的事，另外還附一張邀請函和一張紐約的來回機票，邀請他到紐約一遊。
在抵達曼哈頓幾天後，服務生在第５街及３４街的路口遇到了這位當年的旅客，這個路口正矗立著一棟相當華麗的新大樓，老先生說：「這是我為你蓋的旅館，希望你來為我經營，記得嗎？」
這位服務生驚奇莫名，他說話突然變得結結巴巴：「你是不是有什麼條件？你為什麼選擇我呢？你到底是誰？」
「我叫做威廉．阿斯特( William Waldorf Astor )，我沒有任何條件，我說過，你正是我夢寐以求的員工。」這棟旅館就
是Waldorf 華爾道夫飯店，這家飯店在1931年啟用，是紐約極致尊榮的地位象徵，也是各國高層政要造訪紐約市下榻的首選。當時接下這份工作的服務生就是喬治‧波特(George Boldt)，一位奠定華爾道夫世紀地位的推手。
是什麼態度讓這位服務生改變了他生涯的命運？毋庸置疑的是他遇到了「貴人」，可是如果當天晚上是另外一位服務生當班，會有一樣的結果嗎？
人間充滿著許許多多的因緣，每一個因緣都可能將自己推向另一個高峰，不要輕忽任何一個人，不要疏忽任何一個可以助人的機會！！
學習對每一個人都熱情以待！
學習把每一件事都做到完善！
學習對每一機會都充滿感激！
相信，我們就是自己最重要的貴人。
一個風雨交加的夜晚，一對老夫婦走進一間旅館的大廳，想要住宿一晚。
無奈飯店的夜班服務生說：「十分抱歉，今天的房間已經被早上來開會的團體訂滿了。
若是平常，我會送二位到沒有空房的情況下，用來支援的旅館，可是我無法想像你們要再一次的置身於風雨中，你們何不待在我的房間呢？它雖然不是豪華的套房，但還是蠻乾淨的，因為我要值班，我可以待在辦公室休息。」這位年輕人很誠懇的提出這個建議。
老夫婦大方的接受了他的建議，並對造成服務生的不便致歉。隔天，雨過天青，老先生要前去結帳時，櫃台仍是昨晚的這位服務生，這位服務生依然親切的說：「昨天您住的房間並不是飯店的客房，所以我們不會收您的錢，也希望您與夫人昨晚睡得安穩！」老先生點頭稱讚：「你是每個旅館老闆夢寐以求的員工，或許改天我可以幫你蓋棟旅館。」
幾年後，這位服務生收到一位先生寄來的掛號信，信中說了那個風雨夜晚所發生的事，另外還附一張邀請函和一張紐約的來回機票，邀請他到紐約一遊。
在抵達曼哈頓幾天後，服務生在第５街及３４街的路口遇到了這位當年的旅客，這個路口正矗立著一棟相當華麗的新大樓，老先生說：「這是我為你蓋的旅館，希望你來為我經營，記得嗎？」
這位服務生驚奇莫名，他說話突然變得結結巴巴：「你是不是有什麼條件？你為什麼選擇我呢？你到底是誰？」
「我叫做威廉．阿斯特( William Waldorf Astor )，我沒有任何條件，我說過，你正是我夢寐以求的員工。」這棟旅館就
是Waldorf 華爾道夫飯店，這家飯店在1931年啟用，是紐約極致尊榮的地位象徵，也是各國高層政要造訪紐約市下榻的首選。當時接下這份工作的服務生就是喬治‧波特(George Boldt)，一位奠定華爾道夫世紀地位的推手。
是什麼態度讓這位服務生改變了他生涯的命運？毋庸置疑的是他遇到了「貴人」，可是如果當天晚上是另外一位服務生當班，會有一樣的結果嗎？
人間充滿著許許多多的因緣，每一個因緣都可能將自己推向另一個高峰，不要輕忽任何一個人，不要疏忽任何一個可以助人的機會！！
學習對每一個人都熱情以待！
學習把每一件事都做到完善！
學習對每一機會都充滿感激！
相信，我們就是自己最重要的貴人。
Wednesday, November 05, 2008
Experian Opening Ceremony
Experian Malaysia, Prima Avenue 8, Cyberjaya, Kuala Lumpur.
Group Photo after Dinner at Cyberview Lodge, Cyberjaya, Kuala Lumpur.
10 Reasons You Aren't Rich
Jeffrey Strain
03/22/07 - 11:30 AM EDT
Source
The reason why you aren't a millionaire (or on your way to becoming one) is really quite simple. You probably assume it's because you aren't earning enough money, but the truth is that for most people, whether or not you become a millionaire has very little to do with the amount of money you make. It's the way that you treat money in your daily life.
Here are 10 possible reasons you aren't a millionaire:
1. You Care What Your Neighbors Think: If you're competing against them and their material possessions, you're wasting your hard-earned money on toys to impress them instead of building your wealth.
2. You Aren't Patient: Until the era of credit cards, it was difficult to spend more than you had. That is not the case today. If you have credit card debt because you couldn't wait until you had enough money to purchase something in cash, you are making others wealthy while keeping yourself in debt.
3. You Have Bad Habits: Whether it's smoking, drinking, gambling or some other bad habit, the habit is using up a lot of money that could go toward building wealth. Most people don't realize that the cost of their bad habits extends far beyond the immediate cost. Take smoking, for example: It costs a lot more than the pack of cigarettes purchased. It also negatively affects your wealth in the form of higher insurance rates and decreased value of your home.
4. You Have No Goals: It's difficult to build wealth if you haven't taken the time to know what you want. If you haven't set wealth goals, you aren't likely to attain them. You need to do more than state, "I want to be a millionaire." You need to take the time to set saving and investing goals on a yearly basis and come up with a plan for how to achieve those goals.
5. You Haven't Prepared: Bad things happen to the best of people from time to time, and if you haven't prepared for such a thing to happen to you through insurance, any wealth that you might have built can be gone in an instant.
6. You Try to Make a Quick Buck: For the vast majority of us, wealth doesn't come instantly. You may believe that people winning the lottery are a dime a dozen, but the truth is you're far more likely to get struck by lightning than win the lottery. This desire to get rich quickly likely extends into the way you invest, with similar results.
7. You Rely on Others to Take Care of Your Money: You believe that others have more knowledge about money matters, and you rely exclusively on their judgment when deciding where you should invest your money. Unfortunately, most people want to make money themselves, and this is their primary objective when they tell you how to invest your money. Listen to other people's advice to get new ideas, but in the end you should know enough to make your own investing decisions.
8. You Invest in Things You Don't Understand: Your hear that Bob has made a lot of money doing it, and you want to get in on the gravy train. If Bob really did make money, he did so because he understood how the investment worked. Throwing in your money because someone else has made money without fully understanding how the investment works will keep you from being wealthy.
9. You're Financially Afraid: You are so scared of risk that you keep all your money in a savings account that is actually losing money when inflation is put into the equation, yet you refuse to move it to a place where higher rates of return are possible because you're afraid that you will lose money.
10. You Ignore Your Finances: You take the attitude that if you make enough, the finances will take care of themselves. If you currently have debt, it will somehow resolve itself in the future. Unfortunately, it takes planning to become wealthy. It doesn't magically happen to the vast majority of people.
In reality, it is probably not just one of the above bad habits that has kept you from becoming a millionaire, but a combination of a few of them. Take a hard look at the list, and do some reflecting. If you want to be a millionaire, it's well within your power, but you'll have to face the issues that are currently keeping you from creating that wealth before you will have a chance to call yourself one.
03/22/07 - 11:30 AM EDT
Source
The reason why you aren't a millionaire (or on your way to becoming one) is really quite simple. You probably assume it's because you aren't earning enough money, but the truth is that for most people, whether or not you become a millionaire has very little to do with the amount of money you make. It's the way that you treat money in your daily life.
Here are 10 possible reasons you aren't a millionaire:
1. You Care What Your Neighbors Think: If you're competing against them and their material possessions, you're wasting your hard-earned money on toys to impress them instead of building your wealth.
2. You Aren't Patient: Until the era of credit cards, it was difficult to spend more than you had. That is not the case today. If you have credit card debt because you couldn't wait until you had enough money to purchase something in cash, you are making others wealthy while keeping yourself in debt.
3. You Have Bad Habits: Whether it's smoking, drinking, gambling or some other bad habit, the habit is using up a lot of money that could go toward building wealth. Most people don't realize that the cost of their bad habits extends far beyond the immediate cost. Take smoking, for example: It costs a lot more than the pack of cigarettes purchased. It also negatively affects your wealth in the form of higher insurance rates and decreased value of your home.
4. You Have No Goals: It's difficult to build wealth if you haven't taken the time to know what you want. If you haven't set wealth goals, you aren't likely to attain them. You need to do more than state, "I want to be a millionaire." You need to take the time to set saving and investing goals on a yearly basis and come up with a plan for how to achieve those goals.
5. You Haven't Prepared: Bad things happen to the best of people from time to time, and if you haven't prepared for such a thing to happen to you through insurance, any wealth that you might have built can be gone in an instant.
6. You Try to Make a Quick Buck: For the vast majority of us, wealth doesn't come instantly. You may believe that people winning the lottery are a dime a dozen, but the truth is you're far more likely to get struck by lightning than win the lottery. This desire to get rich quickly likely extends into the way you invest, with similar results.
7. You Rely on Others to Take Care of Your Money: You believe that others have more knowledge about money matters, and you rely exclusively on their judgment when deciding where you should invest your money. Unfortunately, most people want to make money themselves, and this is their primary objective when they tell you how to invest your money. Listen to other people's advice to get new ideas, but in the end you should know enough to make your own investing decisions.
8. You Invest in Things You Don't Understand: Your hear that Bob has made a lot of money doing it, and you want to get in on the gravy train. If Bob really did make money, he did so because he understood how the investment worked. Throwing in your money because someone else has made money without fully understanding how the investment works will keep you from being wealthy.
9. You're Financially Afraid: You are so scared of risk that you keep all your money in a savings account that is actually losing money when inflation is put into the equation, yet you refuse to move it to a place where higher rates of return are possible because you're afraid that you will lose money.
10. You Ignore Your Finances: You take the attitude that if you make enough, the finances will take care of themselves. If you currently have debt, it will somehow resolve itself in the future. Unfortunately, it takes planning to become wealthy. It doesn't magically happen to the vast majority of people.
In reality, it is probably not just one of the above bad habits that has kept you from becoming a millionaire, but a combination of a few of them. Take a hard look at the list, and do some reflecting. If you want to be a millionaire, it's well within your power, but you'll have to face the issues that are currently keeping you from creating that wealth before you will have a chance to call yourself one.
10 (More) Reasons You're Not Rich
10 (More) Reasons You're Not Rich
Jeffrey Strain 10/07/08 - 01:01 PM EDT
Source
Many people assume they aren't rich because they don't earn enough money. If I only earned a little more, I could save and invest better, they say.
The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it's how you treat money in your daily life.
The list of reasons you may not be rich doesn't end at 10. (Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don't understand, being financially afraid and ignoring your finances.)
Here are 10 more possible reasons you aren't rich:
You care what your car looks like: A car is a means of transportation to get from one place to another, but many people don't view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.
You feel entitlement: If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.
You lack diversification: There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.
You started too late: The magic of compound interest works best over long periods of time. If you find you're always saying there will be time to save and invest in a couple more years, you'll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.
You don't do what you enjoy: While your job doesn't necessarily need to be your dream job, you need to enjoy it. If you choose a job you don't like just for the money, you'll likely spend all that extra cash trying to relieve the stress of doing work you hate.
You don't like to learn: You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.
You buy things you don't use: Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven't used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.
You don't understand value: You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it's only when you learn to purchase good value that you have money left over to invest for your future.
Your house is too big: When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.
You fail to take advantage of opportunities: There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, "I could have thought of that." There are plenty of opportunities if you have the will and determination to keep your eyes open.
Jeffrey Strain 10/07/08 - 01:01 PM EDT
Source
Many people assume they aren't rich because they don't earn enough money. If I only earned a little more, I could save and invest better, they say.
The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it's how you treat money in your daily life.
The list of reasons you may not be rich doesn't end at 10. (Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don't understand, being financially afraid and ignoring your finances.)
Here are 10 more possible reasons you aren't rich:
You care what your car looks like: A car is a means of transportation to get from one place to another, but many people don't view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.
You feel entitlement: If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.
You lack diversification: There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.
You started too late: The magic of compound interest works best over long periods of time. If you find you're always saying there will be time to save and invest in a couple more years, you'll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.
You don't do what you enjoy: While your job doesn't necessarily need to be your dream job, you need to enjoy it. If you choose a job you don't like just for the money, you'll likely spend all that extra cash trying to relieve the stress of doing work you hate.
You don't like to learn: You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.
You buy things you don't use: Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven't used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.
You don't understand value: You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it's only when you learn to purchase good value that you have money left over to invest for your future.
Your house is too big: When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.
You fail to take advantage of opportunities: There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, "I could have thought of that." There are plenty of opportunities if you have the will and determination to keep your eyes open.
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