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Here are some tips by Warren Buffett, I came across today, just wanna share...
For Earnings: never depend on single source of income. Make investments.
For spending: If you are buying things that you don't need, soon you'll be selling things that you need.
Saving: Don't save what's left after spending, spend what's left after saving.
Taking Risks: Never check the depth of river with both feet.
Investments: Never put all the eggs in one basket.
Expectations: Honesty is an expensive gift, don't expect it from cheap people.