Moneyinayear Posts

I have so many wonderful memories of Christmas. As long as I can remember we always travel home for Christmas, that is we move from the town we live to our village. So the excitement starts with the preparation to travel, I remember we (my siblings and I) couldn’t wait for school to close, so we start shopping for Christmas.

Then comes the journey, meeting our grandparents and relatives at home. It’s always fun to meet with family. The next thing is the food, there are always lots to eat and drink. As there are weddings and other celebrations going on almost everyday this time of the year.

Surprisingly I also enjoy the long stroll to the stream to fetch water. Nowadays we have pipe water and boreholes everywhere. But some years ago we get water only from the stream in our village. There was a year I’ll always remember Continue reading “My Fondest Christmas Memory” »


For you to earn all the money you want in your business or work, enough to live in the home you want, drive the cars you want, and take care of your family’s future is quite easy. The secret as I have always said is through Investment.

You can invest in stocks, bonds, mutual funds, real estate, forex, commodities like gold, silver, and other precious metals. Let’s discuss stocks for now. When you own stocks of a company it means you are part-owner of the company. The stocks you buy are called shares and you usually buy through a stockbroker. You get dividends from the company whenever they make a profit. If you want to invest in stock you must learn to invest with value, invest in companies with strong fundamentals.

Fundamentals entails strong earnings, Continue reading “Investing in Stocks” »


In one of our free ebooks, “why you are poor and 5 things you can do now to be rich”, there was a reference that stock can be a business and also be an investment. You can get yours by registering for our newsletter by the right.

To see how this can happen, lets explain what investment and business is. First let’s take investment and ask Wikipedia for the definition. Investment is the commitment of money or capital to purchase financial instruments or other assets in order to gain profitable returns in form of interest, income, or appreciation of the value of the instrument.

Whew. Ok let’s speak that in English. Investment is simply putting money in something in the hope of making a profit in the future. You can invest many things apart from Continue reading “Difference between Investment and Business” »


I received a very interesting joke from, and I decided to share it with you. The joke is reproduced below, but before you read, I’d like to tell the morale of the story. Working hard is essential to success in anything you do. Even in making money. The joke is titled “And God said…” The rest of my comments continue after the joke.

And God Said…

A very religious man lived right next door to an atheist. While the religious one prayed day in, day out, and was constantly on his knees in communion with his Lord, the atheist never even looked twice at a church.

However, the atheist’s life was good, Continue reading “Pray and Work” »


Savings is a way of keeping some amount of money apart as a reserve for the future. The money could be for investment or for retirement. One good way of saving for your retirement is putting money in a good pension plan. If there is a provision for a pension plan in your place of work make use of it, if there isn’t get one.

You may want to buy a car in the future or build a house or send your children to the best schools or take holiday to a luxurious place in the world.  It is with your savings that you can make sure this is accomplished.

You can also save for seasonal expenses like during Easter, Christmas, Thanksgiving. You wouldn’t want to wait till this holiday seasons come upon you before you start running around for the money therefore you need to have some money before hand.

These are the ways you could save some money for the seasons and for other things you want to do. There are so many ways to do this but I will be enumerating just 16 ways. Continue reading “16 Ways to Save Money for Christmas” »

Saving Money

A bank account seems like the perfect type of investment until you realize that the interest you earn hardly keeps up with inflation. In today’s world it is not enough to have just one stream of income. If you are a salary earner you shouldn’t depend on your salary alone to survive. This is because things are moving at a faster pace than before, inflation is on the rise and economic depressions and recession are on the increase. Not to talk of increasing population of humans.

What do we do? Do we sit down, fold our hands and cry? No, we have to adapt to the situation we find ourselves. As the saying goes change is the only constant thing in life. Therefore we change with the situation. We adapt to our world. Our forefathers had only one stream of income and they Continue reading “Investment is the Key!” »