CONSIDERATIONS FOR 2018

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1. ON EARNING:
   Never depend on single income. Make investment to
   create a second chance.

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1. ON SPENDING:
   If you buy things you do not need, soon you will have to sell things you need.

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1. ON SAVINGS:
   Do not save what is left after spending, but spend what is left after saving.

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1. ON TAKING RISK:
   Never test the depth of a river with both feet.

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1. ON INVESTMENT:
   Do not put all eggs in one basket.

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1. ON EXPECTATIONS:
   Honesty is a very expensive gift. Do not expect it from cheap people.

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1. Past is a waste paper, present is a newspaper, and future is a question paper. Come out of your past, control the present, and secure the future.

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1. When bad things happen in your life, you have three choices. You can either let it define you, let it destroy you or you can let it strengthen you.

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1. Our eyes are in the front because it is more important to look ahead than to look backwards.

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1. We use pencil when we were young, but now we use pens. Do you know why? Because mistakes in childhood can easily be erased, unlike mistakes made in Adulthood.

Wish you a prosperous 2018. It's your choice to make a difference in your life... above all look up to God All Mighty.. without him you are nothing.