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The More We Spend The Higher Rate of Return On Investment Needed [ September 2nd, 2010 ] | 83 views | Leave a Comment

I believe that those who are ‘thrify‘ will grow wealthy, and those who are ‘spendthrifts‘ will become poor. During my school time, i already have a game of adhering to my budget in which saving 50 cents out of my pocket money. As i known, the discipline of being able to control our spending and save consistently would make us success in the later stage.

big spend

For those who are from top management level who earn more than RM10k per month does not necessary that they can live wealthy. Let’s take an example, the managing director of a multinational corporation, who was earning RM120k per year. Given his hefty income, we expected him to have great substancial amount of money over the years, right? However, sometimes we may found that quite a great number of them whose total assets actually is less than RM500k while the net worth is less than RM200k. Plus, more than 70% of his net worth was from EPF savings.

Send Free SMS Using Wadja

Wadja.com is a Mobile Social Network. You can try to sign up and send FREE SMS to your friend’s mobile phones anywhere in the world. Another thing is, once you add your mobile phone number to your Wadja profile, you can receive SMS from other Wadja users also.

After I have done my research and findings, I really don’t have patience to sign-up. Once you sign up successfully, then you need to verify in your email.

After login, then go to choose ‘SMS’ and key in your recipient mobile number. Make sure that the mobile number should be in the following format: + country code, area code, and phone number…e.g. in the MY (+6 016 488xxxx).

You can then write your subject (based on my testing, it’s useless and won’t be display) and message body and click send. Your message is immediately delivered to your friend’s mobile phone inbox through a SMS alert.