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Congratulations! For your completely very smooth career life without worrying about your company had a lay off or down size policy. You should never know how it felt if you were laid off. Well, the certain are uncertain. How to make the uncertain, certain. I have never thought before that I would be the one of employees group being laid off. I have a wound of feeling from it and it's hard to forget, but I don't be too sensitive over it.

Do you hold any credit card ? If yes, how you use and find its advantage wisely once you take off from wallet . At the old day, we usually carry cash to go for shopping in fresh market, gas station, hyper mart and more places. Today credit card has great deal influence in all most section of services and business. Many banks and non-banks have launched many credit cards to promote for their customers. Credit cards categories are: Cash back / Rebate Discount 3-8% for fill up car's gasoline Discount up to 58% for dining at the restaurant partnership Accumulate for flyer miles Reward any program in particular period of time Save for using fitness club Car miles check in lower price And more

How do you control your money expense? Does anyone face the problem can’t control money expense? If the answer was “YES”. It does not strange at all. Why? Because You’re one many people who have the same kind of unsolved problem too.  What does the reason supporting my opinion? The reason is why many one still in debt even they get lot of income every month. Including me, I have ever been in debt for almost of my life. When I were young, I started working in a few hundred $US. Time passed by, today my salary is in rank of many thousand dollar a month.  Nevertheless, I never have any money for saving in a bank! They run out month by month. Well, then one day, I went to the fresh market and saw the old woman begging for food and fresh vegetable from shop owners over there. Think to myself. If I myself didn’t have any money keeping for expense after retirement. What could I do ? How did I survive ? What my life be when I had no energy, weak, and my eyes is  day or night blind