10% to Upgrade

First of all, I do not mean computer upgrading!

I suggest you to take 10% of your salary to upgrade the most important thing in you life. YOU!!!

10% to Upgrade YOURSELF!!!

How many of you think that education ends with your university convocation? I hope none of you does but there are many that do. People that think like that won’t buy books, won’t go to courses, won’t take up extra night classes etc. The most hated feature in them is they also hate people that do all those things. They would say something like “ Courses are useless, you might as well flush your money down the drain”. Please don’t be someone like that.

How to upgrade? Buy books or go to courses related to your work or about something you want to know. For example, I have suggested you to save 10% for investment every month. I hope you have done so. So next, you are supposed to read on books or go on courses about investment so that you could use the money saved wisely. Don’t ever belief the words of person that says “Never do, Never know”. You should know before you do anything. You can’t know everything but you at least have to know something, right?

Why so much? 10% of your salary is costly? Benjamin Franklin said it right, “ Education is costly? Try ignorance!” Books that are popular or good might cost you around 20 – 50 dollar. That is affordable for everyone. But courses starts from 100 – 10000, depend on what course you want to take. So, you can save that 10% up for a few months before you go for a course. But you have to go to a course at least once a year or read a new book at least one a month. Or better still, you can do both.

How to choose? For books, look for reviews in the newspapers or ask a friend, a colleague or even you boss. From those sources, you could have an overview of what the book is about and also the writing method in it. For courses, I strongly encourage you to attend their previews before paying for it. You could experience the way they teach to see whether you could accept or not.

Well, we are back with Emma before we end. 10 cents couldn’t get her anything. So she saved up and bought a book when the money saved is enough.

So, remember

10% to upgrade Yourself for youself.

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By,
Yong Yeong Chow
Public Mutual Unit Trust Consultant (Certified Financial Planner to be)
MSN : yyc83@hotmail.com
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