Tag Archives: safe investment

Charity, Savings And Investments

The three key areas that surprisingly build your wealth in the long run.

Photo by Kat Yukawa on Unsplash

I am not sure whether you are one of those who believe in lady luck or not. All I know is that wealth building is real work like all other things of value. And moreover, it must be something you do consistently too. I am not speaking of lottery now, or a kind of spread betting or gambling casino. Those, I will say are a distraction from the real wealth-building. And what’s more, people who usually come across such wealth (Gambling, lottery etc) are not prepared for it, and as such, they spend it carelessly. So don’t be surprised to read big lottery winners going burst a few years after.

The Real Wealth Building Hacks

You have to decide whether you are working to build-up a wealth, or you are working to survive. Your decision about this will spearhead how you want to go about spending your money. If you are working to survive, then it would not really matter to have anything left at the end of the month, as long as you have met your month’s expenses. Then you should be happy.

However, this kind of attitude will make you poor in the long run. Imagine if your paycheck is not coming in at a particular month, then you have a problem of feeding and meeting your expenses for the particular month.

However, if you are building wealth, you will still able to meet your expenses for the near future. (Science of money management says at least for the next six months) after your pay ceases. That is why it is good to learn the hacks of wealth building to become rich and financially stable, simply by following simple wealth building hacks.


Charity is the number one wealth-building hack. At least, ten per cent of your net pay should go to help other less privileged members of the society. I am not going to dictate a particular charity. It doesn’t have to be a big kind of registered charitable organisation. I understand that most of the donations for such big organisations go into administrative work and the fat salaries of their top executives, leaving little for the actual charity work.

‘’No one has ever become poor by giving’’ Anne Frank

You can look towards helping out and spending this money purposefully, helping those with genuine need in your area of walk in life. This can take different measures like buying groceries for the elderly in your street, donating toys and books to children home, donating food, clothing items to the homeless, etc. There are genuine needs all around us, your club, church, mosque, playgroup, cooking classes, gym etc. These needs will change from time to time but look out for them and recognise them.


Then the next ten per cent of your net paycheque should be on savings. Set up a direct debit of your ten per cent of the net pay, and let it go the savings account. This should be done consistently. Believe me, it will soon add up substantially, ready for the out of the world emergencies, should they arise.

‘’Let me give you the definition of “rich” and “poor”: Poor people spend their money and save what’s left. Rich people save their money and spend what’s left.’’ Jim Rohn

Look out for a stable bank, and good interest rate. It can be either fixed or not, the choice is yours, and according to what you perceive to be a low-risk saving account.


This is the third area that takes your next ten per cent is an investment. This is where you use the money to create wealth. Look out for what you can invest in to give you additional income regularly. There are many of them, ranging from the joint venture to investment clubs, stocks and shares, commodity and foreign exchange trading, buying and trading in gold bullions, properties, etc.

There is a caveat to this, ONLY PARTICIPATE IN AN INVESTMENT THAT YOU ARE SURE OF. Here is where you need to trust your instinct. Remember, if it is too good to be true, it is probably is. There are many scammers that will offer you gargantuan investment profit, do not believe them.

Also if you are using a broker for trading in stocks, share, forex and commodities, read reviews about the companies before you invest your hard-earned money. Online reviews companies like Trustpilot, Power review, Feefo, etc are useful here. Spend time in knowing what experiences the others have with them before you invest with them.

You can as well look for other forms of investments like retail trading. A company like Alibaba.com makes it easier to retail these days. There are also retailing platforms like Amazon, eBay, Not-on-the-high-street, Etsy etc. Online retail is increasing due to the pandemic, and the fact that people not able to go out for shopping. Educate yourself with what is going on, to direct your customer focus on. No matter what you want or need, you will always find the information online.

‘’When it comes to investing, nothing pays more than educating yourself.’’ Benjamin Franklin

For those who are writers, there is an opportunity to get your work published. I know that John Ross, Gurpreet Dhariwal, Simran Kankas and Denise Larkin have all published their poems on Amazon. Read more about getting your poems published into a book here. Even all your writings here on Medium can be published, as long as they are authentic, and exclusively yours, then you can get them published, either into an e-book or physical books. The opportunities are endless.

You might think you have no business acumen but look at those hobbies that you are passionate about. You can turn your hobbies into a business. What is important here is to know what you are doing, and don’t waste your money by looking for unrealistic profit margin.

So what are you going to decide upon? Are you going to build wealth, or live to survive? Whatever you decide will make a difference between you being wealthy, poor, or just getting by. Best wishes in your endeavour.

Safest Investment, highest returns





For a considerable long time, getting rich used to be via regular savings. I can point out to a very popular book, of which millions were sold then, titled, ‘THE RICHEST MAN IN BABYLON’ by George Samuel Carson advised to save a whopping ten per cent of what is earned. Based on this advice over the years, people were able to enjoy luxurious retirement based on a fall back on their savings.

High inflation, low interest rate

Unfortunately, with the current trend of high inflation with low interest rate, people’s savings have been eroded, and the people begin to doubt the benefit of savings. So most supposedly smart investors move to assests, like stock, shares, properties, gold, silver, cooper and other commodities.

While some of these other commodities do make some positive change, that is they do appreciate, most also do depreciate. The high flunctuation in people investment give rise to Financial analyst and advisors who charged considerable amount of money for their services, promising to help you and me increase our investment in real terms. What are these financial advisors charging for, expert advise based on knowledge which their education has afforded them.

Smartest & safest investments require knowledge.

This means in real sense, to make a safe and smart investment that will endure time, requires knowledge of the market, knowledge of the economy, knowledge of the fiscal policies across the global market, and a whole lot more. Someone with the right knowledge can make money with minimal investment and reduces his risk because he can find the right kind of opportunities.

That is why I say the smartest and safest investment is on yourself. Invest in yourself and in your own learning, your own education, and your own experiencing. These are rich resources that cannot be eroded away from you, or that which you cannot loose. So you thereby give yourself an added advantage. Coupled with that knowledged, you must be ready to be  flexible, you must move with the trend, because you are in a position to advance yourself with minimum disadvantage

Smartest & safest investment is in trainers who deliver what they promise.

In the game of life, not everything goes according to plan, that is the reason to learn to be flexible, ready to adapt, and not be rigid, and learn to change your strategy according to the need of the moment. Just like savings, benefits are being eroded, so much so is brick and mortar business. You read it everywhere, and also being aired on the radio all the times, shops are closing down, high street is no longer what it used to be, all because of people’s purchasing power. The shift and trend is now online. More than ever, the focus of people buying is online, and he who does not want to bend must break. Such is the real life and focus that we are in. And the good news is, most online business require minimal outlay, in comparison to brick and mortar business. Also you can always start your online businesss part time, and continually grow it until you are confident enough to face it full time. Such is the beauty of online business

Do away with your fear.

What on earth is making you NOT to jump into the boat, and start your own online business, if I may ask? Perhaps fear of the unknown. Fear of losing the salary, that is so regular, and bills have to be paid. I can well understand that, but look at it this way, imagine you are fired today, or made redundant, and suddenly you found out that your job is no more. What then are you going to do? I really do not need to remind you of the fact that your job barely covers your expenses anyway, so the more reason you need to start on something much more realistic that will give you an edge over the coming years, something to call your own, something to make you much more independent, and allow you the freedom you deserve. The time is now, to call that short off your boss, the time to take the opportunity with both hands, and define your own future, instead of letting someone else, your boss for instance define it for you. Do do away with your fear and start now, because until you start, you are never going to be know what it entails, until you start, you are never going to know how pleasurable it can be to own your own online business, and you will never know how happy that can be.

The trend today is online business, but you have to follow the right kind of education, the right kind of mentor. You follow those who have done it successfully before, who knows what they are talking about. When you look online, there are so many types of fraud, even in training people are claiming to be what they are not, promsing you gangartuan result, just to make you sign on, and part with your hard earned money, and without impacting on any kind of knowledge. What you need to look for are trainers with results, and authority. Trainers with the right kind of encouraging community.

Wealthy Affiliate University

Wealthy Affiliate University provides one of the best online business training, covering all that you need to drive your online business to success. With online comunity of over a million members, interarcting and learning from each other, you are sure to succeed if you follow the training, and carry out the required task  religiously. The most important issue here is you have your goals, you know how to get there, and you work hard at it.

Here at Wealthy Affiliates, you have all the support you will ever need for a successful online business, and the variation is so wide that you can get to choose, which part of online business you want to stick to. Also there are mentors who themselves start from the sctratch, and they know what they are talking about., You can get all the encouragement you will need.

You also have an opportunity to start free, a kind of taster membership, to give you a peep into what it is being done in the world number one online community. Start here now, as tomorrow many be too late.