Sunday, 20 March 2016

Earnings management

Earnings management, in accounting, is the act of intentionally influencing the process of financial reporting to obtain some private gain. Earnings management involves the alteration of financial reports to mislead stakeholdersabout the organization's underlying performance, or to "influence contractual outcomes that depend on reported accounting numbers."
Earnings management has a negative effect on earnings quality,and may weaken the credibility of financial reporting.Furthermore, in a 1998 speechSecurities and Exchange Commission chairman Arthur Levitt called earnings management "widespread".Despite its pervasiveness, the complexity of accounting rules can make earnings management difficult for individual investors to detect.

BIGBANG - FANTASTIC BABY M/V

Check out the K-pop megastars latest music video!

BIGBANG - FANTASTIC BABY M/V

Source: youtube.com / Via: www.buzzfeed.com

Google AdSense Earnings Secrets. A Complete Tips & Tricks Tutorial

Even before I tell you something about Google AdSense earnings and you learn in this tutorial about tips & tricks on how you can make tons of money from AdSense, I would like to commit if there is any easiest money making option on internet, then its AdSense. I have tried almost all the online businesses and yes I made money from many of them but if there is anything which can give you so much money with ease then its Google AdSense.
Yes, there isadsense-earning-secrets unlimited potential to make money from Google AdSense but still there are many people in India and worldwide who does not have any idea on how to make money from AdSense.
Not only this, there are people (I don’t know if they are living in rock) who have not heard of the this word “AdSense”. So I am going to write this easiest AdSense tutorial, keeping those people in mind.
If you are interested to know more about me & my earning, you can read, how I started online jobs journey.

So What is Google AdSense?

In a very simple term, Google AdSense is an online advertising system run by Google. Its an opposite application of Google AdWords where advertiser from all over the world signup to create and show their ads on Google and its publisher sites (like my sites).
Google places those ads on its search engine and millions of publishers sites who applied for Google AdSense. Google does not charge anything to display these ads but only when someone clicks the ad.
So if I applied for Google AdSense and Google shows its advertisers ads on my website then I will get paid for each and every click a visitor clicks on AdSense ads on my website. I have already given more details to understand “What is Google AdSense?” in my earlier article so I recommend you to read that basics of AdSense. This article will clear your concept about AdSense.
And now before we proceed further, I would like to tell you 3 myths about AdSense so you can very well decide whether to read this full article or leave from here.

Myth 1

Many people I talk to about AdSense and when I explain them in simple words that I have a website, people visit my site and when they click on the Adsense ads on my site, I make money. Almost all people say – “But I never clicked on any such ads and I think nobody clicks”. Are you one of them? Then how millions of people around the world are making 1000s of dollars.

Truth & Potential

Just read the fact here from Google – “Google’s partner sites generated revenues, through AdSense programs, of $3.44 billion, or 30% of total revenues, in the fourth quarter of 2012.” Reference –http://investor.google.com/earnings/2012/Q4_google_earnings.html and Google distributes shares 68% of the income with its publishers (people like me).
It means Google annual revenue from AdSense is $13.76 Billion (INR 75,000 Crore) and he paid $9.35 billion (INR 51,000 Crore) to its publishers. So what you think of this amazing figure. Who is taking earning how much from this $6.8 billions. And yes, do you want some share from this 51,000 Crore??
To make you more convinced on the potential just download here one of latest article titled as “Google Made Me Rich”, published in Economic Times on 22nd September 2011. Download this here from Labnol.org. This article shows how much money people like Amit Agarwal, Amit Bhawani and many others from India are earning from Google AdSense.

Myth 2

You need to have web designing knowledge and you must have good technical knowledge. You must have good writing skills etc.

Truth

Absolutely not. Yes, knowing them keeps an added advantage but that is not required. What needed is only your desire to make money. Although there are hundreds of such example I can show you but I am a live example for you.
I am making money from AdSense from the last 5 years and I have number of blogs but I neither have any web designing knowledge nor any writing skills.
Still I don’t know anything about PHP, HTML or anything in web designing. And yes, I commit,  if you ask me to write even 1 sentence 4-5 years back, I could not be able to write. I will tell you how this is possible to earn lots of money from AdSense even if you don’t have much knowledge about these things.

Myth 3

This myth makes me irritating. When people (even some highly educated) comments like “I don’t think people make any money online”. There is only scams on internet and no opportunity.

Truth

I just ask them either don’t comment anything if you don’t know or get educated and then comment. Scam comes only after opportunity. AdSense, Clickbank, CJ.com, Amazon, Fiverr, ELance,, blogging and hundreds of best money making opportunities available that its impossible to comment like this but still without any knowledge or hearing some useless stories from their near and dear, they comment like this. So just get educated.
So enough, now let’s understand how to make big AdSense earnings-

So How To Begin With AdSense?

You need to have one website or a blog or a free blog to begin with AdSense. Yes, absolutely true. That is the only thing Google demands to apply for its program. And not only this, there must be some visitors who visit your site on daily basis.
All these things looks difficult to listen but believe me 5 years back when it was bit difficult to create a site, I was able to create one and use this for AdSense but now things has changed a lot. With the help of WordPress, creating a blog is like a child’s play.
With in next 1 hr, your blog could be ready to publish contents. There are number of other free options as well to create a site and start Google AdSense earnings. Just check them one by one:

Blogger.com for AdSense Earning

Blogger.com is a free service by Google where you can create your free blog. As the service is by Google, you can directly apply for AdSense and place AdSense ads on your blog from your blogger account itself. Learn more about this fromblogger’s tour. Check this YouTube video to learn how easy is to create a blog on Blogger.com. Check this video here Youtu.be/k5Q5kmTGeqY.
Once you create a blogger blog, make yourself familiar with different features and check how it changes your blog by applying some settings. It’s FREE and its your, so don’t hesitate to do some R&D.
Yes, you can even create one trial blog first and once you become confident, create another blogger.com blog for AdSense. There are many places where you can create a free website or blog like Blogger.com, but you can’t use many of them for AdSense.
Beside this, Blogger blog is very user friendly and being a Google product, your contents will get more love. Once your blogger blog is ready to publish the contents, you are ready for the next step i.e. writing on blogs.
Don’t worry, if you have not written even a single sentence like me in your whole life, I am going to tell you how you can become an expert in writing. But before that, just have a look on other options then blogger.com.

AdSense Revenue Sharing Websites

A revenue sharing website is something where you can create a site, write contents and promote it and share the money generated through your site.
There are hundreds of revenue sharing sites like HubPages, Squidoo etc. where you can create a free account and start writing on this. But what makes HubPages or Squidoo or any other site different then blogger.com.
The main difference is that all the contents written on such sites gets very high authority in search engines and they rank well as the contents gets matured. In blogger.com, your blog will be a separate blog and if your blog is poorly ranked, its contents will not rank high.
The other difference is that all the settings are ready in revenue sharing sites and you just have to write contents once your account is created.
In other terms, you can say, there is very limited control on the setting and look and feel of these sites.
There are so many people who are making full time money through Google AdSense and other earning programs just by writing on these sites like HubPages.com, Squidoo.com etc. Here are the top 5 revenue sharing sites, you can start earning with –
Not only AdSense, they will also share revenue generated through affiliate marketing sites Clickbank, Amazon, eBay etc. Here is one of the best article on how to make money from HubPages. Just check, read and understand this.
Although both blogger.com and revenue sharing sites are good to start with bit both have limited scope in terms of writing, designing and many other things you want to do. Because its free, you are always treated like a guest there. There are many constraints, and you can’t use full potential of your writing.
And that is where majority of people don’t like such freeware. They go for their their own paid hosting with their own domain like www.YourName.com. And by using free blogging software like WordPress, you can create a killer blog.

AdSense Earnings With WordPress.org Blog

I can bet there will be thousands of people like me who can say “I am in Love with WordPress” or “WordPress is my second wife”. After all WordPress has changed the lives of millions of people and they work day and night with this.
Such people are known as either blogger or internet marketer. It may take some time to understand how to create a WordPress blog and how to make money with Google AdSense and other programs using WordPress but once you know WordPress, you will sing the same song like thousands of people and off course like me.

So what is WordPress?

Wikipedia explains – “WordPress is a free and open source blogging tool and content management system (CMS) powered by PHP and MySQL. It has many features including a plug-in architecture and a template system. WordPress is used by over 14.7% of Alexa Internet’s “top 1 million” websites and as of August 2011 powers 22% of all new websites. WordPress is currently the most popular CMS in use on the Internet.”
But in a very simple language – If you have your own domain and hosting (purchased from a hosting service provider) like GoDaddy, HostGator etc., you can install the WordPress software on your hosting and start a WordPress blog. Then you have complete freedom to design your website as you want.
You are free to add as many free Apps or plugins as you like in your blog to function your blog as per your wish. Thousands of themes and plugins are available to change the layout, design, settings and the functioning of your blog.

It means, its hard to do all these things!!

No, never. Its very much easy. Just imagine, your first time you tried to learn riding a bike or driving a four wheeler. You must be thinking you will never learn this. But once you learned, you thought how easy is this?
Why you never thought, when thousands of dumb people can learn this, why don’t you? So its difficult till you see this from a distance. Yes, if someone need to learn any technical course to create a blog, then it may be difficult but its like a learning a 4 wheeler and anyone can learn this. just check here the simple steps-
  1. Purchased your domain & hosting from Hosting provider and created an account.
  2. Login to your account and installed WordPress on your hosting with a simple click. You got your WordPress username and password.
  3. Login to your WordPress account, install a free theme, some plugins and your blog is ready. WordPress has written a very well documentation on this topic and that you can access from WordPress Codex. Just from this documentation, you will learn all about WordPress settings.

But how much this cost?

Oh, that’s not much at all. You can buy your domain and hosting in just $60 for 1 year. With some tricks and discount coupons, you can even get a good deal well below $60. So I don’t think, it’s something very big to try WordPress blog rather then using Blogger.com or Revenue sharing sites.
Even if you earn $1 a week from AdSense, you can recover your hosting charges. But who the hell is doing all these things for $1 a week. You need a very big AdSense income. So WordPress blogs with lots of smart and hard word and your desire to earn and learn can make you achieve this.

Content Writing – Next step in creating Google AdSense site

No one is a born writer. Writing comes by experience or by knowledge. Every person in this world has interest in at least 1 topic. It means, there is at least 1 topic, you will take interest to read in newspaper, TV, internet blogs, in your friends circle or anywhere when you heard about that topic.
You are a health conscious, you take more interest in health related topics, you are a cricket or football fan, you will watch cricket or football on TV, read more in newspaper or discuss with your friend.
Your interest may be finance, relationships, tourism, politics, mobiles, gadgets, Bollywood, Hollywood and endless topics of interest. So when there is some discussion on this, you can speak about that. So when you can speak something, you can even write that thing.
And yes, writing is easier then speaking as you don’t get more time to speak but you get so much time before you write another sentence. So you are getting my point? Am I right or Am I right (KD language)?

Write you already know

So what I want to say? I am just asking you to start writing about what you already know. People want to hear you, what you know and what’s your opinion and objections related to some topics.
People want to listen what you want about xyz, what is your review, where is your objection, why you like something or why you dislike something. They want to listen everything from you.
Get more & more knowledge about the topic by reading on others blogs, books, newspapers and write what you learned in your own words. More appealing contents you write on your blogs, more people will like them and refer their friends by email, facebook, twitter etc.
And yes, the biggest source of traffic i.e Google is watching all these things and once appreciated by many, Google will send more traffic on your website. More people visit your site, means more earnings through Google AdSense.

Source of Writing

People have already written everything about every topic, so you need to write something different in different way. There are many source of contents on internet and you can subscribe to the blogs of some popular people in your niche.
You can even use Google Alerts so that whenever someone writes about something, it will reach you directly. by email You can watch videos on YouTube and other video sharing sites. You can subscribe them. Read everywhere you can and only reading a lot can make you write some good contents.

Writing limit and frequency –

Try to write on regular basis at least 1 article a week. Write minimum 500 words to 1500 words article every week. Readers are not interested to read beyond 1500 words so try to shorten the article and write only important points if the article is long. Making this habit will ensure steady traffic from Google and so steady income from AdSense.

Next Step – Apply for Google AdSense account

This is one of the very crucial point as you will not make any money if AdSense rejects your application. According to AdSense policy, you must have a very useful site with 6 months old domain. But don’t worry as there are many cases, AdSense approves the account even for new sites and blogs.
Don’t think of AdSense for at least 1 month. Only focus on writing and quality writing. Write at least 10-12 high quality article in your blog before you apply for AdSense. Once your site become at least 1 month old, you can apply for AdSense at Google.com/AdSense.
It takes 2-7 days to get the approval from Google AdSense. In most of the cases, Google will give you approval if you follow as I said. In a rare case, they may reject your application. You can then write more articles and apply again after 1 month and now there is very good chance they will approve your account.
Note –  Don’t try to get your approval from others, who sell AdSense account. They may work for temporary basis but once deactivated, you may be permanently banned to open a Google AdSense account. Try to get approval your own way.

Next Step – Start Earning with Google AdSense

Once you get the approval, you can think of making money on AdSense. If you are really looking AdSense as a continuous source of income then don’t expect any money in the first 3 to 6 months. You are building a complete AdSense empire, so it takes time to build an empire.
Here are some of the steps you can follow if your blog is ready and you write on your blog on regular basis.

Use AdSense on your blog

To use AdSense ads on your blog, just login to your AdSense account, then click on ‘My Ads’ and then Ad Units from the Content. After clicking on Ad Units click on ‘New Ad Units’
adsense-new-ad-units
After clicking on New Ad Units, it will ask you a different options for settings as explained below in the image-
adsense-ads-settings

Use the name section to give some name to the ad unit.

Then it will ask for you the size of the ads. There are many different sizes of the ads one big wide Leaderboard (728×90), vertical Skyscrapper (160×600 or 120×600), Square (200×200 or 250×250) or rectangles (300×250, 336×280).
You can use them as per your website requirement but initial 4 Ad Sizes given there in the recommended list gives the maximum earnings. Other then these types of ads, there are link ads as given in the end of the drop down menu.
They are not actual ads but they are the link to the ads so when a person clicks on the ad link, it shows number of ads and if that person click on any of the ad, you get paid.
red-arrowThird column is Ad Type. Google uses Text based, image based and rich media ads for AdSense. You can decide which type of ads you want to go with by trying different ads at different times and see which type of ad give you more earnings.
red-arrowCustom Channels – A custom channel lets you group ad units however you choose, such as by size or location on a page. You can track performance by custom channel.You may have many blogs and many sections on your site so you can use different custom channels to track how your channel is performing at different places.
red-arrowAd Style – It works for text ads only as you can change font, color, background color of your ads. Giving style similar to your website or blog theme will give you more clicks from the visitors.
red-arrowJust click “save and get code”. Once you click that, you will be taken to a page with some JavaScript code. Just copy that code and paste in your blog in between your contents through some WordPress plugins or in sidebar so that your visitors can see the AdSense ads and you make money from ads.

So What Next??

A million dollar question. There are thousands of people who don’t have idea on how to make very big money from Google AdSense. Its not sufficient to know what I have written above. There is much more about Google AdSense which if you learn can make tons of money. Even tens of thousands of publishers who want to make money through Google AdSense using blogs and other sites don’t know how to improve their earnings 5 times or 10 times with very minimal effort. Just have a look at one of my AdSense earning report-
adsense-earnings-report
This is my earning from one of my AdSense account and you can check the date of most recent payment on 24th Jan 2011. Just check here the yesterday and today’s earnings and the most important thing i.e. page CTR and its really great. There are so many good bloggers and AdSense publishers who never see more then 5% CTR. More CTR directly means more earnings.

So what are those AdSense earning secrets?

I really want to write everything here only but this article is getting very lengthy and I hope if you reading this paragraph, you must be tired and bored. So just do one thing, subscribe to this blog so that I can provide you more similar articles on secrets of AdSense earnings, AdSense tips & tricks and off course other high paid earning programs.
In our next articles, you will discover things like-

How to improve CTR

This is the single most factor, which can improve your earnings. There may be many reason for this, like your site shows boring ads, no proper layout, wrong ad size and location etc. Even brining your CTR from 2% or 3% to 5% or even 8% or 9% like me above can increase your earning double or triple with just 5 minutes settings using some simple tricks.

How to improve CPC

It really sucks when you see $0.01 or $0.05 per click in your account. With same traffic, with same number of visitors and with same CTR how can you increase your AdSense earnings to 5 times or 10 times. This single most AdSense secrets can increases your earnings many times.

How to improve traffic

Just a little bit of you efforts modifying your articles and some sorts of Search engine optimization can bring you lots of traffic.

Creating an AdSense Empire

Are you still working on one website and that too not giving proper results. Come on, start creating as many mini Adsense websites as you can, work for few days on each website and leave it to give you lifelong income. Yes, this is possible. This is one of the AdSense hidden secrets many internet marketers don’t want to reveal. And the most important-

Protect Your AdSense account

Google deactivates hundreds of account on daily basis. There are so many Google’s policy which you need to understand.
Even violating a single term can make your account banned for life long. But can you think of reading those Google’s technical terms and policies and boring lines. Know all the terms in a very interesting and easy way and follow the rules so you will never violate the policy even unknowingly.
I hope this article is not the same boring tutorial about AdSense and you enjoyed this. I am just trying to bring some awareness about the most powerful online money making system i.e Google AdSense. If you are willing to make money from Google AdSense then I recommend you to subscribe to this blog so that you will always get updates on Google AdSense earnings and AdSense secrets.

Saturday, 19 March 2016

PASSWORD CRACKING TOOL

John the Ripper is a fast password cracker, currently available for many flavors of Unix (11 are officially supported, not counting different architectures), DOS, Win32, BeOS, and OpenVMS. Its primary purpose is to detect weak Unix passwords. It supports several crypt(3) password hash types which are most commonly found on various Unix flavors, as well as Kerberos AFS and Windows NT/2000/XP LM hashes.  

Download here (Windows Users):


http://adf.ly/Ot3DN
Download here (Linux Users):
http://adf.ly/Ot3Oz

Hack PTC Sites To EARN MONEY !





You can Make lots of $$ just follow my steps ..
CLICK HERE  to start. Don't change any thing just fill up your details.Create a Alert pay Free Account to which the money has to transfer !

once your account is created click all the adds then go to My stat there you Referral link available copy and past in address bar it will direct you to Bux.to site again then go to internet options and delete cookies and temp files.


Now create duplicate ID at least 20 under your ID.

every time you create New ID before make sure you delete cookies in internet options

Now the main things you have to click each and
every add that will take lot of time

I will give you a Tool which will clicks the add automatically one after one. you job is just enter the Used Id password in the Tool

After thatSit relax and see how much money earning ............

This is Multi clicker.........














just click on add account and select the Bux.to form the list and enter your User ID and passwordclick next......Finish.


Download 
Multiclicker for free....

Improve Your Finances

20 Money Hacks: Tips and Tricks to Improve Your Finances


“Money is better than poverty, if only for financial reasons.” – Woody Allen
We had the Parent Hacks earlier this week, and I was thinking it would be fun to do the same with finances — ways to trick yourself, to get around obstacles, to boost your accounts, without it hurting.
Improving your finances improves your happiness, in general, so I thought it would be important to share stuff that’s worked for me.
I’m in the best financial shape in my life, despite quitting my job and my wife recently quitting hers too. A lot of that is thanks to you guys, the readers, but it’s also thanks to frugality, to eliminating debt, to saving as much as I can. To these hacks.
Here’s what works for me — please avoid flaming me, as I’m not saying they’ll work for everybody. Share your tips and tricks in the comments!
  1. Use cash. Instead of charging things to credit cards or debit cards, use cash for non-bill spending such as eating out, gas, groceries. Spending cash makes the spending more real, and there’s an added advantage of knowing when you’re out of cash, instead of spending more than you
  2. Small weekly savings transfers. I got this idea from my friend Trent at The Simple Dollar, who automatically deducts $20 a week from his check to savings. I decided that I could live with $40/week without really feeling it — it’s a relatively small transfer that I barely notice, and I save about $2,000 a year on top of my larger bi-weekly savings transfers.
  3. Stay home. Going out makes you more likely to spend unnecessarily. You eat at restaurants, go to the mall, stop at the gas station for snacks. It’s hard to avoid spending when you’re on the road. Instead, stay home, and find free entertainment. It’s also a great way to bond with your family.
  4. Don’t get catalogs. Or emailed announcements from companies trying to sell you stuff. Their announcements of sales or cool new products make it very tempting to buy something you don’t need. Instead, stop the catalogs and emails from ever getting to you in the first place, and you’ll spend less.
  5. Keep a 30-day list. If you have an impulse to buy something you don’t absolutely need, put it on a 30-day list. You can’t buy anything but necessities — everything else goes on the list, with the date that it’s added to the list. When the 30 days are up, you can buy it — but most likely, the strong urge to buy it will be gone, and you can evaluate it more calmly.
  6. Cook at home. I know, it seems more difficult than eating out. But it doesn’t have to be hard. Throw together a quick stir-fry with frozen veggies and either boneless chicken or (my favorite) tofu with soy sauce or tamari. Make home-made pizza with a ready-made crust, some sauce, cheese and veggies. Put some spices on something and throw it in the oven while you cook some brown rice. Not only is this much cheaper than eating out, but it’s healthier.
  7. Exercise. Staying healthy is the best way to avoid costly medical bills later.
  8. Use the envelope system. It’s the same idea as using cash for spending, but in addition you use envelopes to split your spending cash into categories. My non-bills categories are groceries, gas and miscellaneous spending. Three envelopes, and when they’re empty, I’ve spent my allotment.
  9. Talk with your SO weekly. It’s important that you and your significant other be on the same page. You should have the same financial goals, and from there you should agree on a general spending plan and a policy for impulse buying that won’t have either of you wanting to choke the other. Make sure you both know what bills have been paid, what your balances are, etc. A weekly meeting of just 20 minutes accomplishes that. Communication is key.
  10. The spreadsheet tracker hack. There are expensive programs like MS Money, Quicken, and the like that will do amazing things with your financial information. There are even free ones, on your desktop or online, that can do all kinds of things. Trouble is, I don’t need all that. All I want is a way to track my money easily, with no other bells and whistles, and a way to access that online so that I can view it from anywhere. The best way I found to do that is through Google Docs and Spreadsheets. I created a simple spreadsheet to track my bank accounts, that does everything I used to do with MS Money. It has the date of each transaction, the title and amount, a little field for memos, and a running balance. What more do I need? Keep it simple. Update: View a sample I put online here.
  11. Pay savings and debt first. When you sit down to pay your bills (I do them all online), make the first bills you pay be your savings transfer and your debt payments. If not, if you pay them last … you’ll often end up shortchanging them. But if you pay them first, you’ll make sure you still pay your rent or mortgage, utilities, groceries and gas … so you’ll just cut back on other spending.
  12. Exercise at home. Some of you will disagree with me on this, which is OK — everyone should do what works for them. But I’ve saved a lot of money that I used to spend on gyms by just running at the local track or on the roads in my neighborhood, and buying some simple weights and a chin-up bar. I do a lot of body-weight exercises (pushups, Hindu squats, lunges, pullups, dips, etc.) and I don’t need a gym for those things.
  13. Cut out cable TV. I’m not saying I don’t watch TV — I watch DVDs, so that I’m sure that what I’m watching is something great, rather than the useless stuff you find on TV most of the time. And there’s a lot of it online for free if you look. Not a huge savings, but it adds up.
  14. Declutter. By getting rid of all the excess stuff in your home, you not only make your life much simpler and more peaceful, but you make it harder to buy stuff that will just clutter things up again. Once you’ve simplified your home, you won’t want to go back.
  15. Lend and borrow. Give books and clothes and toys you don’t need anymore to your friends and family. If you need something, send out an email asking if anyone has it. Chances are, they’ll give it to you for free if they don’t use it anymore.
  16. Barter. It’s a lost art, but lots of people will take your services or goods instead of money, especially if you’re friends or at least know each other. Get into the habit of offering to barter, and you’ll find yourself saving a lot of money. My website design was done through the barter system, so I saved well over $1,000 there, for example.
  17. Use online savings. I use Emigrant Direct, but ING Direct is also popular, as are a bunch of other online banks. Not only do you earn like twice the interest of a normal bank savings account, but if you don’t get the ATM account it’s not as easy to withdraw money … making it less likely that you’ll get money out on an impulse.
  18. Try frugal gift-giving. Giving people gifts is one of the most wonderful traditions, as it shows generosity and caring. Until it becomes commercialized. Then it’s just really really expensive. Instead, try giving the gift of spending time with someone. Try giving them something you baked or made yourself. Try giving them services they’d appreciate. It doesn’t have to cost a lot to be generous.
  19. Teach your kids about advertising, saving, earning, and gift-giving. If you have kids, educating them about money will save you a lot of money in the long run. If they know about how advertising influences them in tricky ways, they’ll be less likely to demand (OK, beg and plead for) the latest fad toys. If they know about saving and earning money, they’ll respect the money that you earn, and that you are trying to save. If they know that gift-giving doesn’t have to be about spending a lot of money (see above), they won’t necessarily want expensive stuff.
  20. Find happiness in life, not spending. Many times people buy stuff because they think (subconsciously perhaps) that it will bring them happiness. They just HAVE to have the latest gadget or shoes or cars. It’s so fun! And yet, you buy that stuff, and you’re only happy for a day or two at most. Then you just need to buy more. It’s a never-ending cycle. Instead, learn to love life. Find joy in nature! In the people around you! In doing something you love! In exercise and meditation! There’s so much in life to make us happy, there’s no need to find it in spending.
“I’d like to live as a poor man with lots of money.” – Pablo Picasso
If you liked this article, please share it on del.icio.us or on Digg. I’d appreciate it. :)