Credit card used to be a benefit, but no penalty?

I see personal credit card somewhat useful. Under the terms of that. * * Not more than option.


I have all 8 credit cards but never pay interest. Never pay yearly. Never pay any fees. Exceeds the product I buy.

Find out the benefits of credit card write my thoughts.

1. Is a credit card channel borrowing without interest within 45 hours (varies depending on card) if your personal business. Credit card can help you reduce the Working Capital or cash that you need to have a ton of business.

For example, a friend I made a small restaurant. Cost of raw materials per month, about one billion baht a simple translation that you should have a cash flow as Do five billion baht in hand. If the purchase of two times per month. To pay for raw materials before currency from the sale.

Purchase materials with your credit card will not have money in hand here. When money is to sell shares to pay part of raw materials.

Many cards you have to pay for your share of the purchase price without interest is high time 3-4 months.



2. From competition, relatively high for each credit card you. Just make your application. Your gift will be approximately 500 - 1000 Baht software way without doing anything.



3. Each card you have discounts for many different places, from retail food cinema hospitals and other oil you use in everyday life.



4. The tax paying public through the Internet and buy through credit card. Increase convenience and reduce costs. Travel and fee payment.



5. The points to select the most gifts will be compared with 3-5% of sales outside you spend enough. You have discount is added.



6. Without any charge. To use a credit card. Whether your card is how much annual fee. If you are spending level. Can always call to dismiss.


In summary, if you use a credit card payment through approximately 20,000 baht per month, you will gain from the use of at least about 1,500 baht.

Is important only is. Do not use more than you have. And pay the full balance. Provide timely every month.

I think credit cards are useful tools. And no sin. As long as you can control the spending of revenue to the extent that many issues you mention, I think of the money without more effective management.

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Regret that each Moore along with boss and colleagues.

Many people pay to spend time with problems crowded. Both problems lead. Problem colleagues. Some people have a problem with another satellite. Any time of day with the thinking brain to another problem. When an employee, we tend to think of problems as people clash with a big problem. No more time with it. Strain on it often. Almost no time to develop or improve or develop their all. Then forget that no one actually work with us to our own life and it does not work with people we do not like the life as well. But then do not think this. Only think that today we will have problems with each other about anything. Think about yesterday, how did it happen to people who break why he is a person that. Finally, we will be stuck with a problem that some people had to flee from one another then. Old people are missing the problem. .. But new problems have occurred.

If go back to time. Thought the problem would be that people like car collision on a road problem that we do not need to pay attention to much. But we should be interested that the path we are walking distance or not is another. We have a long time remaining or not. To think that no one working with us to our own life and it does not work with someone for life as well. And if we think that other people have not been a problem. We would step up to the position of the higher impossible. Higher because more people more problems and more complex.

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Regret not studying.

Regret this, I believe more than half the salary of men feel this. Because the first step into work. Most people tend to think that the time for studying. Charge tuition to wait a few minutes before and wait to run into that before. As a result, but several factors make people pay most missed this goal, such as the busy no time to learn. Enough to learn they change jobs (the reason was to look into the school then), no amount of tuition. Supine reading.

Not sure (it does not intend), but never mind want to learn to act even do anything. Select the school too. Some people try to learn your way to not survive because time is not divided. Former salary man many people thought back then that if the class is learning to this level. Successful thus far would go over this course. It is one of the last opportunities to life. Qualified everything. Deficiency alone is not as educational. No additional significant opportunities in life to work. Now it comes up for school then. Even out of private business will have even more time. But with less encouragement. Are less inspired. And will learn to know why. Because of personal business do not need a degree in education other high availability.

If go back to time. Thought must learn from the decision to add a new start of the second year. Will allow the patient some time. And will learn to finish before you change jobs or a new family.

more detail..

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Miss the wedding a little faster?

Many people Salary loss of career advancement opportunities to get married soon because it is too soon. Thought itself matured. Records to own. Parents and care of itself then. Eric thought it would get people to care more (though still unable to care for parents who send students to complete loss) when the marriage came quickly into family life soon. Ranking problem is to early family life. When age and experience in professional life is still low. Family issues from a hindrance in their career advancement. It will need to do more time with family. Time is devoted to work is less.

If anyone has committed to work much longer will result in family problems. Money collected that is not fully used to scoop out. Because when children are not ready in many areas. Simple thought that our friends in the same period not yet married, he has dedicated time to work to clamber up to the mark of success. While we need to scramble like him. But we must hold husband or wife and children with. If you remove yourself as you like to write that one has to climb higher and farther between.

If the time to go. Want to work some time ago. At least have a chance to do was promoted. Is thought to marriage. At least they have collected some money already. Or may have sufficient experience in working to find a new job at a higher position than before marriage. And we have time to work through a period of time should be found in association with, or we can choose a better match.

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Lessons from the word "deplore" the senior or former salary man.

People who are belligerent not see myself being that or wrong. Poor people never know is how difficult that so. Who was not a debt do not see waiting to come out of debt at the Navy how. People never unemployed. Do not see the job is important, etc. How about some matters in this life we may have the opportunity to try or experience more than once. About some of the opportunity to plead before the usual difficulties through life has been difficult. Is enough to know how hard it will not again..

Unfortunate accident during the first run of his career.

Whether former salary man or men in the current senior salaries. Often feel regret about the past career as the first work of commitment and dedication not much. Since then think working with money exchange. It has less to do less. Where much is a little more diligent. Think that if only a very diligent. You will be suspect and used increasingly. We are tired to be alone. To be conscious again when work is not to set long been promoted to be conquered. New generations of children who have recently come to be ahead then. Important early work life are often the work that we will feel more tired at this age learn, so some people are starting to see more waste drinking eat to live. Stop flights to complete work late and be plentiful.

Forget some other day wearing the same work (because they have not returned home or residential) and how to work well. Body and mind to work only half. Some friends are dim, but work to find themselves doing work that is so then what you want or not. Some people are working to look for new opportunities. Last Life in the Early work instead of learning curves steep. Become a learning curves flat. Through to age. But life has to be the work remains the same.

If go back to time. Want to focus and diligent work from first year to run. And will be eager to learn new things, both related and unrelated functions responsible. And to reduce or cancellation of flights and drink less. It now needs to see retribution from the lifestyle that negligence resulted in long-term physical health.

Please follow the following steps...

How about money? เงินนั้นสำคัญฉันใด?

How about money?

Now day we absolute accept about money. Eat, health, buy some home, some car. If we don have money, we will to be debt.

We work hard to make more money for response to anything we want. Also money can by every thing?

Something we can buy such as time of your life. Time passing every time and we can not buy it back. Between dinners with our family, if we still work thinking we loss something. This means that we can not control our self?

The one example of money such as sub prime crises. When investor wants more money, he build more house and banker support more money easily. This money way do not stick on the right regulation. House not for living but for makes more profit. Moreover the first investor sale many dept to the second and to the third. The value of dept is higher more than world’s GPD. This name is money engineering.

When over domain the balloon of money was crush. The price of house is down very fast. Insist of person who can slacken his home are stop to pay. Because price of his home is down until less than normal price (This so amazing!!). When everyone stop to pay, so bank crush to call that “Money Nuclear Boom”

This comes from capitalism effect?

However money is important. Anyway if money is more important than mind, it will be down.

Money is supposed. If you think just only this you be slave.

If we can flow this supposed, we will find mind. Nothing can not control us. We will firm and more carefully, more identity.

The real important thing is our mind?

Support by Green Pluss

เงินนั้นสำคัญฉันใด?

ทุกวันนี้เราทุกคนคิดกันว่าเงินทองเป็นสิ่งสำคัญอย่างปฎิเสธไม่ได้..

จะกินก็ต้องซื้อ จะรักษาตัวก็ต้องจ่าย จะซื้อบ้าน ซื้อรถ ก็ต้องเป็นหนี้..

ทำให้เราต้องพยายามหา "เงิน" ให้ได้มากๆ เพื่อตอบสนองในสิ่งที่เราต้องการ.. เงินซื้อได้ทุกอย่างจริงหรือ?

ลองพิจารณาดู.. บางสิ่งที่เงินซื้อไม่ได้.. ช่วงเวลาที่ผ่านไปเงินไม่สามารถซื้อกลับมาได้.. ช่วงเวลาแห่งความสุขเงินก็ซื้อกลับมาไม่ได้.. ขณะที่เรานั่งทานข้าวกับครอบครัว.. แต่ใจยังคิดถึงเรื่องงานเพื่อหาเงิน.. แทนที่จะตั้งสติใช้เวลาในการทานข้าวนั้นอย่างมีความสุข.. เท่ากับว่าเราควบคุมจิตใจของเราเองไม่ได้?

ตัวอย่างของการยึดติดกับการเงินมีให้เห็นอยู่ทั่วไป.. วิกฤต sub prime เป็นตัวอย่างที่ดีทีเดียว.. เมื่อนายทุนต้องการเงินก็สร้างบ้านมากมาย.. ปล่อยกู้แบบง่ายๆ โดยไม่ได้คำนึงถึงปัจจัยพื้นฐาน และความต้องการบ้านเพื่ออยู่อาศัยอย่างแท้จริง.. แถมยังขายหนี้ต่อไปเรื่อยๆ จนมีมูลค่ามหาศาล (ใหญ่กว่า GDP ของคนทั้งโลก).. แล้วเรียกสวยหรูว่าเป็น วิศวกรรมทางการเงิน..

เมื่อพองจนได้ที่ก็ค่อยๆ แฟบ.. ราคาบ้านก็ตกอย่างน่าใจหาย.. แม้แต่คนที่มีความสามารถในการชำระหนี้ก็ยังหยุดจ่าย.. เพราะทำไมต้องมาจ่ายหนี้บ้านที่ราคาสูงเกินจริงมากมาย.. (แบบนี้ก็มีในโลก!!) เมื่อทุกคนหยุดจ่าย bank ก็ล้ม.. เหมือน "ระเบิดนิวเคลียร์ทางการเงิน"... !!!

ผลเสียของ "ทุนนิยม" ที่ไม่พอดี..?

เงินเป็นสิ่งสำคัญครับ.. เราขาดมันไม่ได้จริงๆ.. แต่เราไม่ควรเอาเงินมานำหน้าจิตใจที่มาค่ามากกว่าเงินมากมาย..

เงินเป็นสิ่งสมมุติ.. เราต้องไปนายของมัน ไม่ใช่เป็นทาสของเงิน..

ถ้าเราปล่อยวางกันสิ่งสมมุติที่เรียกว่า "เงิน" เราคงสบายใจกว่านี้มาก.. ความโลภก็เข้าควบคุมเรายากขึ้น.. ไม่หวั่นไหวต่อสิ่งกระตุ้นภายนอก.. รอบคอบ และเป็นตัวของตัวเองมากขึ้น..

สิ่งสำคัญที่เงินซื้อไม่ได้คือ ความมั่นคงในจิตใจเรานั่นเอง?

...

ความเจริญในมุมมองของชนบท : The proper in the countryside

Social Today for your life..
social security

ทุกวันนี้นิยามของความเจริญ คือ สังคมเมืองที่มีเงินทุนหมุนเวียนมากมาย มีแต่ตึกสูง ถนนที่เต็มไปด้วยรถ(ติด) และความสะดวกสบายต่างๆ เท่าที่คนเราจะสรรหามาได้..

ในขณะที่ชนบท.. ไม่มีตีกสูง ถนนลูกรัง เงินทุนหมุนเวียนในระบบชนบทน้อย.. ความสะดวกสบายก็ไม่มี.. ถูกนิยามว่าห่างไกลความเจริญ..

ผมเคยได้ฟังประสบการณ์ของคนๆ หนึ่ง.. เดินทางจากบ้านต่างจังหวัดเข้ามาหางานทำในเมือง อยู่นานถึงสิบปี.. แต่กลับหาเลี้ยงตัวเองแทบไม่ไหว..

จนอยู่มาวันหนึ่ง.. ชายคนนี้คิดว่ายิ่งเราดิ้นรนหาเงินทอง.. เรายิ่งไม่มีความสุข.. หาเลี้ยงแม้แต่ตัวเองยังลำบาก เหลือเงินกลับบ้านเดือนละไม่เท่าไหร่.. แสดงว่าเราต้องทำอะไรผิดพลาดสักอย่าง?

เขาตัดสินใจกลับบ้านทันที.. ไปปลูกผัก ปลูกข้าวที่บ้าน.. ทำการเกษตรแบบสวนผสม.. โดยผลผลิตที่ได้ก็เก็บไว้กินก่อน.. ที่เหลือค่อยนำไปขาย.. ปรากฏว่าหาเลี้ยงได้ทั้งครอบครัว.. ขาดเหลืออะไรก็ใช้พืชผักที่ปลูกเอาเองไปแลกกับเพื่อนบ้าน..

ทุกวันนี้ครอบครัวนี้มีความสุขมาก.. ได้กินข้าวพร้อมหน้า.. ถึงไม่สะดวกสบายแต่ก็สุขใจ..

การสร้างความเจริญให้กับทุกพื้นที่.. ไม่ควรเอาสูตรสำเร็จที่เรียกว่า "ทุนนิยม" คือการใช้เงินสร้าง.. แต่ควรปรับเปลี่ยนให้เข้ากับสิ่งแวดล้อมในแต่ละพื้นที่..

ชนบท.. แม้ไม่มีตึกสูง แต่ก็มีภูเขา มีป่าไม้ มีอากาศบริสุทธิ์.. มันเป็นคุณภาพชีวิตในแบบที่ "สังคมเมือง" หาได้ยากยิ่ง..

แบบนี้เราจะเรียกได้ว่าเป็น "ความเจริญในมุมมองของชนบท" หรือเปล่า?

ถ้าพื้นฐานในชีวิตของเราแข็งแรง.. มีกินอิ่ม นอนหลับสบาย.. มีความสุขพร้อมหน้ากับครอบครัว..

ความเจริญที่มีคุณค่ามากที่สุด.. ก็คือความเจริญที่จิตใจ.. มันเป็นประโยคง่ายๆ และรู้กันทุกคน.. แต่ในความเป็นจริง.. คุณค่าของคนก็ยังถูกเปรียบไปกับวัตถุภายนอก..

เรามัวแต่พิจารณาสิ่งรอบกาย.. จนลืมพิจารณตนเอง?

เมื่อเราตั้งสติได้.. มีความมั่นคงในชีวิตแล้ว.. ความเจริญจะค่อยๆ เกิดขึ้นเอง.. และคราวนี้จะเป็นความเจริญอย่างยั่งยืนเสียด้วย..

Now day the index of development are flowing money, high building, more street, more cars and any convince that we can do.

While up country no building, less money and no convincement this induce to be far from away.

We have one experience from one man who went to work in the town. He came from up country that far and dry. He work in big town more than 10 years, but he also can not find more money to share with his family.

Until one day, he decided to come back his home. Start with mix agriculture (vegetable, rice and fish). When he harvests his farm, he will save the green products to eat with family before. Anyway the remain produces are for sale.

From this way, he can supply his family and have some remain for sale and give to another.

Now he very happy, his family is altogether. Not convince but happiness.

The social development no meaning just only “capitalism” but should suitable in any country. Up country no building but have mountain, river, tree and nice air. This quality of life that no way in the big town.

These can define that “The proper in the countryside”

If we can serve the base thing of life, we will serve everything we need.

The best value of proper is mind. However the social still up to any object that can response just only your body. If we have big mind, the proper will growing and be firm.

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