SAVINGS AND INVESTMENT TIPS: 1.The greatest good we can do to others is not just to share our riches but to reveal to them how they can make theirs. 2.Getting a lot of money does not make you rich. The right way to create wealth is to work, make money, save and invest wisely. 3.Savings make you comfortable; then you can off load some savings to investment and you actually become very peaceful. 4.If you cannot manage your credit card, find a deep pit latrine and say ‘ashes to ashes’ 5.Teach children how to manage and ‘waste is no. 1 enemy of wealth’ 6.The miracle of compounding is the 8th wonder of the world. 7.The rule of “72” helps you calculate how long it will take to double your investment or what you have. 8.Borrowing is not a bad thing, but do not borrow to keep up with the Kamaus. It can enslave life unless it is for growing your business. 9.Develop a financial plan and you will find that with a plan you don't have excess cash. Whenever you have money you put it into your plan to accelerate your plan. 10.Graduate to the level where money works for you, also referred to as Financial Freedom. Income from, say 5 (permanent) streams, add up to more than your expenses. 11.Maintaining your bodily health is an investment and will enhance your speed towards financial freedom. Medical insurance is also a critical safeguard 12.And . . Teach others. Let ‘everybody’ you meet know your secret to wealth. Our society needs this badly. You NEVER lose from sharing. Giving and sharing pays dividends. So, share and give, so as to get. FOR INCOME CONTINUITY AND QUICK BUSINESS RECOVERY TIME AFTER A DISASTER, Reserves or Retained Earnings Diversification – Set up or buy equity in alternative businesses or sites; locally and internationally. Information back-up – out of site Continuously share business information with CLOSE stakeholders