and i have a plan to learn Spanish langauge

Lol I only saw this now and see that everyone’s correcting you on your Chinese? :p
I find it very hard to change languages, from speaking English and then changing to Afrikaans quickly or to Chinese. I still get tongue-tied now and then.

But yes, I’m still slowly learning Chinese (even though I am Chinese), hehe, I think Afrikaans was way easier to learn!

Sounds like you’re putting some serious time behind you study, congrats for that. Stick with it and you will see good results over a few months. ust keep learning, the more you speak, the more you will come in contact with that ‘r’ and one day you will just be able to say it:)

If you want, download some tapes or clips where the ‘r’ is used excessively so that you can understand and learn it better.
Hope that helps
Diggy

Save 10 to 25% of your income each month, and by the time you turn 55-60, you will be a millionaire! (Find a financial calculator on-line, and work it out yourself. Just don’t ever spend your retirment savings!)

Live a frugal life. Spend on what you need and not on what you want.

Fix everything until it disintergrates.

Keep a savings emergency fund, that equals six month’s or more of your income, that you need to survive on each month, should things turn down for you.

Don’t get scammed on financial schemes promising to make you money. Use your common sense.

I was self-employed for 40 years and retired 10 years ago! I started saving my money when I was 5 years old (I am 60 now. Always do work that you know and enjoy. Unfortunately, being self-employed with something you enjoy usually burns you out to where you don’t find enjoyment doing it anymore! LOL!)

My mother took me to the bank so I could open a Christmas account. What you did was, put your money in during the year, and then you emptied it for Christmas.

This is my financial tip of the day posting.

I’ve owned several businesses, but as soon as I got them up and running and had comfortable employees, I designated managers, and then I moved on. I paid my managers well, and told them that if they ever stole from me, I would make sure they went to prison! It was not a threat, it was a prmoise.

If you try to micro-manage your business, you will go mad (crazy). That is why you have employees. Let them stay up at night worrying! They know if they continue to do well, you will reward them, and don’t forget to do it! Most people won’t steal from you, and if you treat people correctly, they will treat you correctly, also!

Remember, when you are the boss, your job is to create, not to manage. So, let others manage, while you spend your time creating!

Eventually, I owned 3 different retail establishments. My managers dropped the receipts off to my accountant, who paid the bills and put my money (profit) into my bank accounts.

Any legal paperwork was sent to me by over-night courier (FedEx, UPS, etc.,) and I just ran away from home and used my ATM to get to my money.

Yes, I travelled the world and when it came time to retire, permanently, offered the managers for sale, outright, (each of my businesses) or through my own financing of holding the contract, sales for those businesses. I also did this with my last house. I am doing the financing!

So, now, I get 4 checks a month from various sources, and spend my time seeing what kind of trouble I can keep myself out of! LOL! I don’t have much money now, but I have income for life, and that is what its all about!

If you are still in Amsterdam, stay out of the red light district and coffee-houses! HaHa!

Take care, my young friend! And, best of luck in all that you do!

It sounds to me like you have seen a lot of the world and enjoyed all it has to offer you? That is fantastic! I’m learning french because I love the language. I pay somewhere around $20 per week for a one hour lesson, still with the same lady who was my french teacher in high school. I admit that I’m not actively learning, if I really had a use or motivation for it I would probably spend 1-2 hours a day with it but I have other things to focus on (Like building up an income on the internet with websites so that I will be able to live freely without having to work for a boss.).

I hope that you have a wonderful and healthy 2010 too, and really enjoyed reading your comment
Have a fantastic weekend!!!
Diggy