Recent content by Springtime

The purpose of my investment is to grow my wealth so that I can achieve financial freedom. The money can be for emergency use, overseas travel, household renovation, or prepare for retirement.

Yes, I do save money. I put a portion of my income into a fixed deposit account every month. I save money for emergency use and also prepare for retirement.

I use the investment platform of my bank to buy and sell stocks. I also use Fidelity. They offer a great platform and valuable advice on investment.

If you are talking about getting a loan to start a business, I think you have to look for venture capitalist. Banks are very strict when lending money to start-ups. You need collateral and may be a personal guarantor.

This is the first time I heard of this app. That sounds interesting and offers an easy way to earn. I'll check it out and see if it is legitimate and worth to join.

I do not work online full time. In fact, I do most of my translation work offline. I just take surveys and post on forums online. So, I do not feel any pain working online.

I think the easiest way to earn passive income is to put your money in a fixed deposit account. You earn interest and there is no risk.

My main sources of passive income include interest earned from my fixed deposit account, dividends from companies I have invested in. I will continue to earn this way in 2024.

I use a combination of upper case and lower-case characters, numbers, and special symbols as passwords for bank accounts. My bank also provided me with a security device which generates one-time password to login.

I think it was $500. It was paid by a client of mine for the translation work I did for him. He lives in Japan and prefers to pay me via Paypal.

In my city, it is illegal to transport people using your private car and ask for a fee. That involves issues such as insurance. What happens if there is an accident.

I like your saying that " It is better to fail than never try at all". Indeed, you never try, you never know. Failure is inevitable in life. Just take it as an experience and learn from it.

I do not own a business. But I can see that running a business can be draining at times. You need a lot of hard work and commitment to make your business a success. But at the same time, if you are making a profit and you have managed your business well, it is a very rewarding experience.

I do not own a business. I am working as a freelancer. When I feel tired after completing some assignments, I just take a break, listen to some music or go out for a walk.

In my city, it's common for businesses to offer loyalty program to customers. If you join the program and buy from the shop, you get discounts, reward points which can be converted into cash when you make a purchase. This is quite an effective way to retain customers. I myself have joined a few...

It's not common in my city that people rent out small household items such as plates and spoons. If someone is organizing a party or event, they will probably use catering service which will provide these small items.

I have money in savings account and a fixed deposit account which offers higher interest. I do not know enough of CDs. Other than fixed deposit, I buy stocks, mutual funds and bonds.

In my city, if your income is below a certain amount, you do not need to pay personal income tax. There are also many ways to get tax exemptions or deduction. Donation to charity, buying health insurance, or if you live with your parents, you can get tax deductions.

Sounds like a good idea to generate passive income. But I live in a city. No way I can earn money this way. If I have a farmland, I will for sure pursue this idea.

I would hesitate to sell my assets to earn passive income. If I own a house, I would prefer to earn rental income instead of selling the house.

Sounds good to me. In fact, this is the first time I heard of cooperatives. I'm not sure if they are available in my city. When I have time, I'll check it out.

Running a YouTube channel is a good way to earn passive income online. A friend of mine has good cooking skills. She has a YouTube channel teaching people how to cook various Chinese dishes. Her channel has many subscribers and followers. I think she is making good money.

I do not earn by writing but I have heard of Hub pages from time to time. Some of my friends do write for this site. They have a positive opinion about the site.

In my city, it's common to see ads on taxis and public transportation such as bus, and MTR. However, I have not seen any private car with advertisement. I'm not sure if this is legal or no companies are interested in this type of advertising medium.

I am a freelancer. When I finish an assignment, I can take a rest. This is the advantage of working as a freelancer. You take control of your work schedule.

Every business should have someone responsible to do book-keeping. That is, keeping track of the income and expenses of the business. Based on the data, you work out financial statements.

Frankly speaking, my favorite field is music and art. But having financial knowledge is essential, for business or personal financial management. I managed to learn some financial knowledge in university, and I am glad I did that.

For small businesses, to attract high paying customers, you have to offer premium products and personalized exceptional service. Make your business unique. Build strong relationship with your customers.

This is the first time I heard of this site. It's interesting to know that you can get paid reading a book. I'll try to find out more about this site because I enjoy reading.

First of all, you have to work to earn money. Then keep your money in the bank and/or invest to grow your wealth. Spend your money wisely. Never spend more than you earn.

To have more money, we have to work hard to earn money and make investment to grow our wealth. At the same time, we have to spend money wisely. Do not waste your money on unnecessary stuff. Have the habit of saving a portion of your earnings.

Agree. Without money, there is no peace of mind. We have to struggle on how to make money, how to survive without enough money to pay for bills. Money cannot buy happiness. But life without money is miserable.

I have very sensitive skin and get skin rash once in a while. I also have eczema which can be quite annoying. When it gets serious, I have to go to see my doctor.

Regardless of whether we like it or not, we have to pay all sorts of bills. Otherwise, we cannot survive. I usually pay bills at the end of the month via ebanking.

I have good and bad dreams. Some I remembered; some I forgot when I woke up. I do not care to analyze the meaning of my dreams.

I know very little about Crypto. I always prefer getting PayPal money. So offering Crypto is not an incentive for me to upgrade my membership status.

I do not have a monthly target working online because I just take surveys and post on forums when I have free time. My main source of income is from my translation work which I do offline.

The best way is to make savings a habit. I put a portion of my earnings to a fixed deposit account every month. I have been doing this for many years. Due to compounding effect, my money in the fixed deposit account has accumulated a lot. Other than that, I use credit card to earn cashback, I...

I do not have a business. If I want to start a business, I think I prefer to use my own money instead of borrowing from banks or even family members or friends. If my business fails and I have difficulty giving back money to family member or my friend, I will feel guilty.

I am not good at riding bicycles. Hong Kong is a very crowded city with lots of cars and people on the street. It can be quite dangerous to ride a bicycle on the road if you are not skillful.

I have an MBA degree. I applied some of the financial management knowledge I've learned to manage my personal finance. I think most important of all is not to spend more than you earn, have a savings plan and invest to grow your wealth.

I am a freelancer. It's not complicated to manage my income and expenses. I see no need to hire an accountant to do the job for me.

I do not have rental properties. I buy dividend paying stocks. So far, I receive dividends from companies once or twice a year. It is a good way to earn passive income.

Yes, I have money in savings account and fixed deposit account. For savings account, I get about 2.5-3% interest rate. For 6 month term deposit, the interest rate is 6%.

I am using Samsung A55. I am satisfied with the features of the phone. But for keyboard, I use GBoard which offers voice input and glide typing.

I live alone in my own small apartment. There is no need to get a helper to do household chores. I can manage it myself.

I do not eat beef. So my preference is pork. Actually, I eat chicken and fish most frequently. Chicken is white meat and fish is a healthy and delicious food.

Yes, I also feel sad that Devin is no longer the owner of Discussion Bucks. He is a very helpful guy. I'm glad that he is still working as an Administrator. Hope the new owner will take the site to a new level.