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  1. S

    How hard was the act of making regular savings been to you?

    I have already made regular savings a a habit. I put a portion of my monthly earnings to a fixed deposit account. I have done this for many years. So, regular savings is not hard for me.
  2. S

    Have you ever soke some assistance from the government regulatory authorities ove an issue!

    When I was working full time, I once got the help from the Labor Department when I got fired as I refused to change my working hour to night shift. The Labor Department ordered my employer to change my working hour back to morning and afternoon.
  3. S

    Who has gifted you the most amount of money you have ever gotten?

    The most amount of gift money I receive is from my elder brother. He gave me $500 as lucky money for my birthday.
  4. S

    How Debt Repayment Contributes to Wealth Accumulation

    Yes, clearing debt definitely helps to improve one's financial situation. As you no longer need to repay loans, your money can be saved or make investment to grow your wealth.
  5. S

    Investing in Stocks

    I plan for long-term investment. Short-term market volatility does not bother me. I choose dividend paying stocks. I always do my homework before investing in any stocks.
  6. S

    Do you like payments to come all at once rather than bits by bits?

    I am a freelancer. Payment comes to me when my job is done. So, I have to receive payment per task instead of all at once.
  7. S

    Does market volatility scare you?

    I also invest on a long-term basis. So short-term volatility will not bother me.
  8. S

    Do you also have peace of mind when you pay bills like three months in advance?

    Here, utility bills such as water, gas and electricity are paid monthly. I usually paid a couple of days before the payment due day to have peace of mind.
  9. S

    Is it mandatory for a business to give discounts for bulk purchases?

    It is not mandatory to offer discounts for bulk buying. It depends on the strategy of the owner.
  10. S

    Do You Have Any Experience With Partnership Business

    I do not have any experience running a partnership business. My brother did. After several years, they disagreed on something, the business was dissolved. They went their own way to set up another business of their own.
  11. S

    Is it necessary to start the business that deals the seasonal products!

    If you want to run a business long term, you cannot just depend on selling seasonal products. You need stable sales income. You can add seasonal products for sale when they are available.
  12. S

    She is now begging to pay me for services I sold to her. But I don't need the money again.

    To me, that depends on the amount of money she owed me. If that is a considerable amount, I will take it. I have provided the service anyway.
  13. S

    Why Saving and Investing Are Crucial for Financial Stability

    Yes, we need to save and invest to achieve financial stability. We save for emergencies, retirement, traveling and buying big ticket items. At the same time, we can use some of the money saved to invest to further grow our wealth.
  14. S

    What's your target year to achieve financial freedom?

    I would like to achieve financial freedom at different levels. The first target is 3 years from now, I achieve basic financial freedom. I will continue to work hard and invest to grow my wealth to the next level.
  15. S

    Understanding the Power of Compounding in Wealth Building

    Can't agree more. I am not putting a portion of my earnings to a fixed deposit account every month. I have done this for many years. I have not withdrawn any money from this account. Due to compounding effect, the amount of money has accumulated quite significantly.
  16. S

    Best Ways to Pay Off Debt and Achieve Financial Freedom

    I currently do not have any debt. Many years ago, when I had to repay my mortgage loan, I set up autopay to repay the necessary amount every month from my salary.
  17. S

    How do you work out for your financial freedom?

    To achieve financial freedom, I work hard to earn money, save money and invest to grow my wealth.
  18. S

    Has someone given you money and you rejected before?

    No, I have not experienced this. No one has offered me any money without a valid reason.
  19. S

    Selling Unique Products Vs Selling Saturated Products

    If you sell saturated products, you have to spend a lot on advertisements and compete on price. It is easier to sell if you can find a niche product which meet with the needs of your target customers.
  20. S

    Businesses easy to start

    I like the idea of selling handmade products and I think it works. Some people like to buy handmade products such as handmade jewelry, crochets, woodcrafts, hair accessories.
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