Your Health Is Your Wealth!!!

How many times have u fall sicks for the whole of last year? Couldn't remember? Well how about this year? A few times already I am sure as I myself have fall sick a few times already! No thanks to the freaky weather.

Now, how much do u spend on ur medical bills? I am sure it will be a few months worth's of ur monthly salaries. Those who are lucky can claimed on company's medical allowance if their company have such allowances subjected to a maximum amount. While most of us will have to depended on our own cash to pay our medical bills. If we have medical insurance then we can claimed on that too but in most cases of small sickness we just have to pay on our own.

So if we are sickly most of the year all this small medical bill will add up to a big sum before u realised it. We lost no only in term of our money but also in term of the money which we can earn if we are working & the time wasted being sick.

So it is in the best of our interest to stay healthy. Do try to have a healthy life style. Drink less & don't smoke if possible! Exercise more! Of cause some of us are more healthy then others while some of us are real unlucky be a 'sick pot' most of the time. In this case we can try our best to remained healthy.

Do u notice that all rich fellows are very conscious of their health! The richer they are, the more paranoid they are about their health! This is especially so in what they eat! They are most careful in what they eat or rather what they cannot eat! Even if they eat, it will be in moderate amount!

Why? This is because rich people realised that no matter how rich they are, it is all worthless if they cannot spend & enjoy the fruits of they labours, that is their money! All their money is totally worthless to them if they spend their remaining time of their life in a hospital bed! U can't bring all ur money with u when u died! In fact some of the terminally ill tycoon will like to exchange part of their wealth to have a good health! But unfortunately good health is somethings that money can't buy at this moment of time.

So to all my dear readers, do u have a healthy body? Have u change ur life style to have a healthy life?

'Yours Health Is Yours Wealth' Do u agree?

In Debts? Watch Ur Credit Card Spending!!!

Ours want are many! When we go shopping we want to buy this & that! Anythings beautiful & fanciful we saw in the Mall we want to buy! But do we really needs such things?

'I want!', ' Buy now! Pay later!', ' I will pay by credit card!'. Is this the usual reasons u gave urself to buy all this beautiful, fanciful but totally unnecessary stuff? I am sure u buy all this stuff just because u have a credit card!

'Buy now! I will think about payment later!' That is the problem with having a credit card! As long as I can use it, buying is not a problem! So of cause u will use ur credit card like no tomorrow & before u know it u end up buying all sort of stuff! Stuff which u don't really need in ur daily life.

If u r rich & money is not a problem then monthly payment for all this credit card spending is not a problem! But in most case we r just ordinary people earning just enough to have a 'comfortable' life, so with all this 'uncontrollable' spending on credit card we will be in big trouble!

It is best that we can settle all outstanding credit card charges monthly! But if we use our credit card like no tomorrow then it is likely that we can't settle the credit card bill when it arrived!

That is when the problem begin! All outstanding credit card charges attracted interest which is very high! And all this interest is compounded to outstanding bill on each month so very soon the outstanding credit card charges balloon to a huge amount!

Before u know it u are in debts! U will be receiving call from credit card center for payment! U will have to pay up at least the minimum amount! U might be able to pay up this minimum amount initially but for how long? If u can't settled off the credit card outstanding amount u will end up with a never ending debts!

So please use credit card with care!

Valentine.......

Valentine day! A day for love. A day where those who are dateing will like to remember & try to made it a special day! A day where red rose price sky rocketed to 300%! In fact flower on this day is so much more expensive!

Well for me it is just an ordinary day! Not big deal! Yes! It is a day for love! But for me it is a day where my love is show toward my love for money! So of cause I didn't buy any flower for my gf as I am a lucky guy who have a very understanding gf! Beside sending flowers doesn't really meant u love ur gf! To me it is just a total waste of money!

Well it is just my opionion. So to my dear readers, hows is ur velentine?

Spending Like No Tomorrow!!!

It is Chinese New Year time! It meant time of joys, celebrations & merriment! And to me it also meant spending!!! U need money for celebration & merriment & the by product is joy!

Spending on cloths, food, drink & house decoration! As for me no new cloths this year as last year cloths look perfectly Ok to me! Foods & drink is what I spend most on! Food like tit bits, mandarin oranges and so on and so forth. Drinks like all sorts of soft drink. These are for all the visitors which I expect them to visit me during CNY. House decoration I spend none for this year. This is because I consider it a bit wasteful as u can’t really hung up all this CNY decoration for the whole year! Beside I hate to do all the clean up & the taking down of all this decoration! Lastly I have to put aside some 'ang pow' ( red packet ) money for all the kids who visit my house on the first of CNY!!!

All this spending on food & drink is taking a heavy toll on my credit card! In fact I think I have over spent on food & drink. I have expected a large number of visitors to my house during CNY especially on the first three days of CNY. But then it turn out I don’t have that many visitors. It could be due to the rainy weather or it could be due to the bad economy!

In fact I myself do fewer CNY visit this year as compared to last year. This is due to the higher cost of traveling! Also the few houses that I visit I noticed that the food for visitors is much smaller in verities. This is due to the rising cost of all this food stuff.

Drink can last a long time which I can drink. But all this food stuff don’t last long & any food stuff which I can’t consume due to the very sweet & sour nature will be wasted!

What a waste! It is a big case of miss calculation of CNY spending! So to all my readers who celebrate CNY, how is ur spending? Is it within ur budget? Have u spend wisely?

Have A Very Prosperous Chinese New Year!!!

Chinese New Year fall on 07-02-08! Yes! The day after tomorrow! According to Chinese this the year of Earth Rat & it is widely predicted to be a break year.

I am not really surprise that this will be a difficult year as the hardship is being felt all over the world! For example severe weather changes is affecting & giving hardship on all the people in the region where severe weather occurred! Financially with a very unstable market & with share falling more then rising it is not surprise that we don't feel secure financially!

Nevertheless I am sure for those who is prepared will weather the uncertainty well. After all it is always better to expected the unexpected rather then to be caught unprepared! It might be a bad year but with preparation being made financially it might not be so bad after all.

Lastly I wish all my Chinese readers a very happy, prosperous & healthy Chinese New Year! And to others a very happy holiday!