Invest In IRA With Tatay Ruby And Toklang's Lesson

Here's a good example of why you should start saving sooner rather than later.

Tatay Ruby and Toklang are both in Vancouver as immigrants. Both have worked and invested their earnings. The difference, however, Tatay Ruby (now 65) has set up an Individual Retirement Account (IRA) when he was 20 and contributed 2,000 per year until he was 40. Toklang didn't start her IRA until she was 40 but continues to put in 2,000 per year. Both of them earn 10 percent per year. Who do you think will have more money in the long run?

Do the math, and you'll find that Tatay Ruby has almost Php1.25 million, and Toklang, who puts in 25 percent more, by her 65th year will have less than Php200,000. That's the miracle of compounding.

Ways To Attract Good Tenants Better Than Toklang

Your greatest hassles are tenants, not the apartment. Your headaches won't be pipes breaking in the middle of winter. It will be tenants leaving in the middle of the night without paying.

Sounds familiar? Toklang, shades of Nanay Lemon Law, may be an expert in evading rental fees.

So what does a landlord do? Learn how to attract good tenants and rent only to the best. Here's how:

Check for financial capacity. They have to qualify. You cannot discriminate against many factors, but you can discriminate against some, such as income and job security.

Check out their home. Drive by where they are living now to see how they take care of their current place. If you don't like what you see, turn them down.

Keep them coming back. When you get a good tenant, lower their rent unexpectedly after they've been there a few months or a year. They may thank you by renewing their lease.

What Your Name Means - Toklang

There are 21 letters in your name.
Those 21 letters total to 76
There are 10 vowels and 11 consonants in your name.

Your number is: 4

The characteristics of #4 are: A foundation, order, service, struggle against limits, steady growth.

The expression or destiny for #4:
Order, service, and management are the cornerstones of the number 4 Expression. Your destiny is to express wonderful organization skills with your ever practical, down-to-earth approach. You are the kind of person who is always willing to work those long, hard hours to push a project through to completion. A patience with detail allows you to become expert in fields such as building, engineering, and all forms of craftsmanship. Your abilities to write and teach may lean toward the more technical and detailed. In the arts, music will likely be your choice. Artistic talents may also appear in such fields as horiculture and floral arrangement, as well. Many skilled physicians and especially surgeons have the 4 Expression.

The positive attitudes of the 4 Expression yield responsibility; you are one who no doubt, fulfills obligations, and is highly systematic and orderly. You are serious and sincere, honest and faithful. It is your role to help and you are required to do a good job at everything you undertake.

If there is too much 4 energies present in your makeup, you may express some of the negative attitudes of the number 4. The obligations that you face may tend to create frustration and feelings of limitation or restriction. You may sometimes find yourself nursing negative attitudes in this regard and these can keep you in a rather low mood. Avoid becoming too rigid, stubborn, dogmatic, and fixed in your opinions. You may have a tendency to develop and hold very strong likes and dislikes, and some of these may border on the classification of prejudice. The negative side of 4 often produces dominant and bossy individuals who use disciplinarian to an excess. These tendencies must be avoided. Finally, like nearly all with 4 Expression, you must keep your eye on the big picture and not get overly wrapped up in detail and routine.

Your Soul Urge number is: 5

A Soul Urge number of 5 means:
The 5 soul urge or motivation would like to follow a life of freedom, excitement, adventure and unexpected happening. The idea of travel and freedom to roam intrigues you. You are very much the adventurer at heart. Not particularly concerned about your future or about getting ahead, you can seem superficial and unmotivated.

In a positive sense, the energies of the number 5 make you very adaptable and versatile. You have a natural resourcefulness and enthusiasm that may mark you as a progressive with a good mind and active imagination. You seem to have a natural inclination to be a pace-setter. You are attracted to the unusual and the fast paced.

You may be overly restless and impatient at times. You may dislike the routine work that you are engaged in, and tend to jump from activity to activity, without ever finishing anything. You may have difficulty with responsibility. You don't want to be tied down to a relationship, and it may be hard to commit to one person.

Your Inner Dream number is: 8

An Inner Dream number of 8 means:
You dream of success in the business or political world, of power and control of large material endeavors. You crave authority and recognition of executive skills. Your secret self may have very strong desire to become an entrepreneur.