10 (More) Reasons You're Not Rich

Many people assume they aren't rich because they don't earn enough money. If I only earned a little more, I could save and invest better, they say.

The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it's how you treat money in your daily life.

The list of reasons you may not be rich doesn't end at 10. Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don't understand, being financially afraid and ignoring your finances.


Here are 10 more possible reasons you aren't rich:

You care what your car looks like: A car is a means of transportation to get from one place to another, but many people don't view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.

You feel entitlement: If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.

You lack diversification: There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.

You started too late: The magic of compound interest works best over long periods of time. If you find you're always saying there will be time to save and invest in a couple more years, you'll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.

You don't do what you enjoy: While your job doesn't necessarily need to be your dream job, you need to enjoy it. If you choose a job you don't like just for the money, you'll likely spend all that extra cash trying to relieve the stress of doing work you hate.


You don't like to learn: You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.

You buy things you don't use: Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven't used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.

You don't understand value: You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it's only when you learn to purchase good value that you have money left over to invest for your future.

Your house is too big: When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.


You fail to take advantage of opportunities: There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, "I could have thought of that." There are plenty of opportunities if you have the will and determination to keep your eyes open.

Shake it off and take a step

One day a farmer's donkey fell down into a well.

The animal cried piteously for hours as the farmer tried to figure out what to do.

Finally, he decided the animal was old, and the well needed to be covered up anyway;

it just wasn't worth it to retrieve the donkey.

He invited all his neighbors to come over and help him.

They all grabbed a shovel and began to shovel dirt into the well.

At first, the donkey realized what was happening and cried horribly.

Then, to everyone's amazement he quieted down.

A few shovel loads later, the farmer finally looked down the well.

He was astonished at what he saw.

With each shovel of dirt that hit his back, the donkey was doing something amazing.

He would shake it off and take a step up.

As the farmer's neighbors continued to shovel dirt on top of the animal,

he would shake it off and take a step up.

Pretty soon, everyone was amazed as the donkey

stepped up over the edge of the well and happily trotted off!

MORAL :


Life is going to shovel dirt on you, all kinds of dirt.

The trick to getting out of the well is to shake it off and take a step up.

Each of our troubles is a stepping stone.

We can get out of the deepest wells just by not stopping, never giving up!
Shake it off and take a step up.


Remember the five simple rules to be happy:

1. Free your heart from hatred - Forgive.

2. Free your mind from worries - Most never happens.

3. Live simply and appreciate what you have.

4. Give more.

5. Expect less from people but more from God.

Love, Wealth and Success

A woman came out of her house and saw 3 old men with long
white beards sitting in her front yard. She did not recognize
them. She said "I don't think I know you, but youmust be
hungry. Please come in and have something to eat."

"Is the man of the house home?", they asked.

"No", she said. "He's out."

"Then we cannot come in", they replied.

In the evening when her husband came home, she told him
what had happened. "Go tell them I am home and invite them
in!" The woman went out and invited the men in.

"We do not go into a House together," they replied.

"Why is that?" she wanted to know. One of the old men
explained: "His name is Wealth," he said pointing to one of his
friends, and said pointing to another one, "He is Success, and I
am Love." Then he added, "Now go in and discuss with your
husband which one of us you want in your home."

The woman went in and told her husband what was said. Her
husband was overjoyed. "How nice!!", he said. "Since that is the
case, let us invite Wealth. Let him come and fill our home with
wealth!" His wife disagreed.

"My dear, why don't we invite Success?"

Their daughter-in-law was listening from the other corner of the
house. She jumped in with her own suggestion: "Would it not
be better to invite Love? Our home will then be filled with
love!"

"Let us heed our daughter-in-law's advice," said the husband to
his wife. "Go out and invite Love to be our guest."

The woman went out and asked the 3 old men, "Which one of
you is Love? Please come in and be our guest." Love got up
and started walking toward the house. The other 2 also got up
and followed him. Surprised, the lady asked Wealth and
Success: "I only invited Love, Why are you coming in?"

The old men replied together: "If you had invited Wealth
orSuccess, the other two of us would've stayed out, but since
you invited Love, wherever he goes, we go with him. Wherever
there is Love, there is also Wealth and Success!!!!"

Can you beat this resume?

EDUCATION /Qualifications :

1950: Stood first in BA (Hons), Economics, Punjab University, Chandigarh ,
1952; Stood first in MA (Economics), Punjab University , Chandigarh ,
1954; Wright's Prize for distinguished performance at St John's College, Cambridge,
1955 and 1957; Wrenbury scholar, University of Cambridge ,
1957; DPhil ( Oxford ), DLitt (Honoris Causa); PhD thesis on India 's export competitiveness

OCCUPATION /Teaching Experience :

Professor (Senior lecturer, Economics, 1957-59;
Reader, Economics, 1959-63;
Professor, Economics, Punjab University , Chandigarh , 1963-65;
Professor,Internati onal Trade, Delhi School of Economics,Universit y of Delhi,1969-71 ;
Honorary professor, Jawaharlal Nehru University ,New Delhi,1976 and Delhi School of Economics, University of Delhi ,1996 and Civil Servant

Working Experience/ POSITIONS :

1971-72: Economic advisor, ministry of foreign trade
1972-76: Chief economic advisor, ministry of finance

1976-80: Director, Reserve Bank of India ;
Director, Industrial Development Bank of India;
Alternate governor for India, Board of governors, Asian Development Bank;
Alternate governor for India, Board of governors, IBRD

November 1976 - April 1980: Secretary, ministry of finance (Department of economic affairs);
Member, finance, Atomic Energy Commission; Member,finance, Space Commission

April 1980 - September 15, 1982 : Member-secretary, Planning Commission

1980-83: Chairman , India Committee of the Indo-Japan joint study committee

September 16, 1982 - January 14, 1985 : Governor, Reserve Bank of India .

1982-85: Alternate Governor for India , Board of governors, International Monetary Fund

1983-84: Member, economic advisory council to the Prime Minister

1985: President, Indian Economic Association

January 15, 1985 - July 31, 1987 : Deputy Chairman, Planning Commission

August 1, 1987 - November 10, 19! 90: Secretary-general and commissioner,
south commission, Geneva

December 10, 1990 - March 14, 1991 : Advisor to the Prime Minister on economic affairs

March 15, 1991 - June 20, 1991 : Chairman, UGC

June 21, 1991 - May 15, 1996 : Union finance minister

October 1991: Elected to Rajya Sabha from Assam on Congress ticket

June 1995: Re-elected to Rajya Sabha

1996 onwards: Member, Consultative Committee for the ministry of finance

August 1, 1996 - December 4, 1997: Chairman, Parliamentary standing committee on commerce

March 21, 1998 onwards: Leader of the Opposition, Rajya Sabha

June 5, 1998 onwards: Member, committee on finance

August 13, 1998 onwards: Member, committee on rules

Aug 1998-2001: Member, committee of privileges 2000 onwards: Member, executive committee, Indian parliamentary group

June 2001: Re-elected to Rajya Sabha

Aug 2001 onwards: Member, general purposes committee

BOOKS:

India 's Export Trends and Prospects for Self-Sustained Growth -
Clarendon Press, Oxford University , 1964; also published a large number of articles in various economic journals.

OTHER ACCOMPLISHMENTS:

Adam Smith Prize, University of Cambridge , 1956

Padma Vibhushan, 1987

Euro money Award, Finance Minister of the Year, 1993;

Asia money Award, Finance Minister of the Year for Asia, 1993 and 1994

INTERNATIONAL ASSIGNMENTS:

1966: Economic Affairs Officer

1966-69: Chief, financing for trade section, UNCTAD

1972-74: Deputy for India in IMF Committee of Twenty on
International Monetary Reform

1977-79: Indian delegation to Aid-India Consortium Meetings

1980-82: Indo-Soviet joint planning group meeting

1982: Indo-Soviet monitoring group meeting

1993: Commonwealth Heads of Government Meeting Cyprus 1993: Human Rights World Conference, Vienna

RECREATION :

Gymkhana Club, New Delhi; Life Member, India International Centre,
New Delhi

PERSONAL DETAIL:

Name: Dr Manmohan Singh

DOB: September 26, 1932

Place of Birth: Gah ( West Punjab )

Father: S. Gurmukh Singh

Mother: Mrs Amrit Kaur

Married on: September 14, 1958

Wife: Mrs Gursharan Kaur

Children: Three daughters

Why it`s Good to Be a Guy

1. Phone conversations are over in 20 seconds flat.

1. Movie nudity is virtually always female.

2. You know stuff about tanks.

3. A five-day vacation requires only one suitcase.

4. Monday Night Football

5. You don't have to monitor your friends' sex lives.

6. Your bathroom lines are 80% shorter.

7. You can open all your own jars.

8. Old friends don't give a crap whether you've lost or gained weight.

9. Dry cleaners and haircutters don't rob you blind.

10. When clicking through the channels, you don't have to stall at every shot of somebody crying.

11. Your ass is never a factor in job interviews.

12. All your orgasms are real.

13. A beer gut doesn't make you invisible to the opposite sex.

14. Guys in hockey masks don't attack you.(unless you smash'em into the boards)

15. You don't have to lug a bag of useful stuff every where you go.

16. You understand why Stripes is funny.

17. You can go to the bathroom without a support group.

18. Your last name stays put.

19. You can leave the hotel bed unmade.

20. When your work is criticized, you don't have to panic that everyone secretly hates you.

21. You can kill your own food.

22. The garage is all yours.

23. You get extra credit for the slightest act of thoughtfulness.

24. You see the humor in Terms of Endearment.

25. Nobody secretly wonders if you swallow.

26. You never have to clean a toilet.

27. You can be showered and ready to go in 10 minutes.

28. Sex means never worrying about your reputation.

29. Wedding plans take care of themselves.

30. If someone forgets to invite you to something, he or she can still be your friend.

31. Your underwear is $10 for a three-pack.

32. The National College Cheerleading Championship.

33. You don't have to shave below your neck.

34. None of your coworkers has the power to make you cry.

35. You don't have to curl up next to a hairy ass every night.

36. If you're 34 and single, no one notices.

37. You can write your name in the snow.

38. You can get into a nontrivial pissing contest.

39. Everything on your face gets to stay its original color.

40. Chocolate is just another snack.

41. You can be president.(in this life time)

42. You can quietly enjoy a car ride from the passenger's seat.

43. Flowers fix everything.

44. You can wear a white shirt to a water park.

45. You get to think about sex 90% of your waking hours.

46. Three pairs of shoes is more than enough.

47. You can eat a banana in a hardware store.

48. You never have to worry about other people's feelings.

49. You can say anything(Wow, do my balls hurt!)and not have to worry what people will think.

50. Foreplay is optional.

51. Michael Bolton doesn't exist in your universe.

52. Nobody stops telling a dirty joke when you walk in a room.

53. You can whip your shirt off on a hot day.

54. You don't have to clean your apartment if the meter reader's coming by.

55. You never feel compelled to stop a pal from getting laid.

56. Car mechanics tell you the truth.

57. You don't give a rat's ass if anyone notices your new haircut.

58. You can quietly watch a game with your buddy for hours without ever thinking He must be mad at me.

59. The world is your urinal.

60. You never misconstrue innocuous statements to mean your lover's about to leave you.

61. You get to jump up and slap stuff.

62. Hot wax never comes near your pubic area.

63. One mood all the time.

64. You can admire Clint Eastwood without starving yourself to look like him.

65. You never have to drive on to another gas station because this one's just too skeevy.

66. You know at least 20 ways to open a beer bottle.

67. You can sit with your knees apart no matter what you are wearing.

68. Gray hair and wrinkles only add character.

69. You don't have to leave the room to make an emergency crotch adjustment.

70. Wedding dress:$20,000; tuxedo rental:$75.

71. You don't care if someone's talking about you behind your back.

72. With 400 million sperm per shot, you could double the Earth's population in 15 tries, at least in theory.

73. You don't mooch off others' desserts.

74. If you retain water, it's in a canteen.

75. The remote control is yours and yours alone.

76. People never glance at your chest when you're talking to them.

77. ESPN's Sports Center

78. You can drop by to see a friend without having to bring a gift.

79. Bachelor parties whomp ass over bridal showers.

80. You have a normal relationship with your mother.

81. You can by condoms without the shopkeeper imagining you naked.

82. You needn't pretend you're "freshening up" to go the bathroom.

83. If you don't call your buddy when you say you will, he won't tell your other friends you've changed.

84. Someday you'll be a dirty old man.

85. You can rationalize any behavior with the handy phrase "Fuck it".

86. If another guy shows up at the party in the same outfit, you just might become lifelong buddies.

87. Princess Di's death was just another obituary.

88. The occasional well rendered belch is practically expected.

89. You never have to miss a sexual opportunity because you're not in the mood.

90. You think the idea of punting a small dog is funny.

91. If something mechanical doesn't work, you can bash it with a hammer or throw it across the room.

92. New shoes don't blister, cut, or mangle your feet.

93. You don't have to remember everyone's birthdays and anniversaries.

94. Not liking a person doesn't preclude having sex with them.

95. Your pal can be trusted never to trap you with: "So...you notice anything different?"

96. Porn movies are designed with your mind in mind.

97. Baywatch

98. There's always a game on somewhere.

Apartheid

This scene took place on a British Airways flight between Johannesburg (South Africa) London (UK).

A white woman, about 50 years old, was seated next to a black man.

Very disturbed by this, she called the air hostess.

‘You obviously do not see it then?’ she asked. ’You placed me next to a black man. I did not agree to sit next to someone from such a repugnant group.Give me an alternative seat.’

‘Be calm please,’ the hostess replied.

‘Almost all the places on this flight are taken. I will go to see if another place is available.’

The hostess went away then came back a few minutes later.

‘Madam, just as I thought, there are no other available seats in Economy Class.

I spoke to the captain he informed me that there is also no seat in Business Class. All the same, we still have one place in First Class.’

Before the woman could say anything, the hostess continued.

‘It is not usual for our company to permit someone from Economy Class to sit in First Class. However, given the circumstances, the captain feels that it would be scandalous to make someone sit next to someone so disgusting.’

The Hostess turned to the black guy, said, ‘Therefore, Sir, if you would like to, please collect your hand luggage, a seat awaits you in First Class.’

At that moment, the other passengers, who’d been shocked by what they had just witnessed, stood up applauded.

This is a true story.

Judging by looks

A lady in a faded gingham dress and her husband,dressed in a homespun threadbare suit, stepped off the train in Boston, and walked timidly without an appointment into the president of Harvard's outer office.

The secretary could tell in a moment that such backwoods, country hicks had no business at Harvard and probably didn't even deserve to be in Cambridge.

She frowned. "We want to see the president," the man said softly. "He'll be busy all day," the secretary snapped. "We'll wait," the lady replied. For hours, the secretary ignored them, hoping that the couple would finally become discouraged and go away.

They didn't. And the secretary grew frustrated and finally decided to disturb the president, even though it was a chore she always regretted to do. "Maybe if they just see you for a few minutes, they'll leave," she told him.

And he sighed in exasperation and nodded. Someone of his importance obviously didn't have the time to spend with them, but he detested gingham dresses and homespun suits cluttering up his outer office. The president, stern-faced with dignity, strutted toward the couple.

The lady told him, "We had a son that attended Harvard for one year. He loved Harvard. He was happy here. But about a year ago, he was accidentally killed. And my husband and I would like to erect a memorial to him, somewhere on campus."

The president wasn't touched, he was shocked. "Madam," he said gruffly. "We can't put up a statue for every person who attended Harvard and died. If we did, this place would look like a cemetery". "Oh, no," the lady explained quickly. "We don't want to erect a statue.

We thought we would like to give a building to Harvard." The president rolled his eyes. He glanced at the gingham dress and homespun suit, then exclaimed, "A building! Do you have any earthly idea how much a building costs? We have over seven and a half million dollars in the physical plant at Harvard." For a moment the lady was silent.

The president was pleased. He could get rid of them now. And the lady turned to her husband and said quietly, "Is that all it costs to start a University? Why don't we just start our own?" Her husband nodded.

The president's face wilted in confusion and bewilderment. And Mr. and Mrs. Leland Stanford walked away, traveling to Palo Alto, California where they established the University that bears their name, a memorial to a son that Harvard no longer cared about.