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Ever seen easy money making offer ?  They are always very convincing - - - It even challenge you to leave, this is reverse psychology making us to feel that he really has something here . . . calls for action again, this is the most important step to close a sale. Reassure you it is EASY.  You earn money Right away even if you are dump.  Finally the number is out.  This is what they want from you. Quickly follow by wordings like "FREE" make sure you feel good again this should caught your eye, what to reinvest? is it a must?  I can't be all out?  Reassure you again its ok if you are dump The payment page is not a secure page, even the error message is wrong implying this page is modified from some other template related to phone!?  You are in !  Happy ?  You must be thrilled because you will be a millionaire soon ! So what are the catches ?  Well, don't curse them nor say they are cheating you.  Because they have already lay down the answers to you as well, in the fin

By now, the word "Passive Income" is so Overrated !! Some even are promoting it as Get Rich Scheme where you don't need to do anything and yet you are able to earn income for FREE !! from some findings on the meaning of  PASSIVE : it says ~ not   participating   readily   or   actively;   inactive: not   involving   visible   reaction   or   active   participation:   Contrary to above, no matter what kind of income you are getting, you would definitely require some form of active participation to make it happen or at least to get it started in the beginning;  and contrary to the meaning of passive, whatever smart income you have generated would have anticipated very clear and precise vision on the reaction or expected results even from the very beginning. Hence, the intention of writing a book titled above is born! The book will preach about Smart Income instead. It will list out some of the popular passive income methods , discuss on what works and what not in today'

Until now, when teaching in Personal Finance, a lot of gurus still emphasize the very first thing is to identify a Goal.  While that is true but there are a few disadvantages with that approach; You may or may not have a clear definite goal to start with It may take a venture itself to find your goal It may require a lot of discipline to keep to a goal Your goal may change over time This method is too academic oriented By the time you clearly define a goal, the time has passed and in personal finance, time should be your best friend, not foe. Hence a more practical approach in this century is to just to go ahead and SAVE FIRST It doesn't matter who you are, what you do, where you are, which belief you have and how you live;  Just go ahead and put aside a sum of money and save them aside, to anywhere. Not only you should just Save First, if possible, think of a way to make it an ASS - Automatic Saving System . Read more understand more why this approach is better for all one method