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Key changes in the income tax forms applicable to individual assessee:1. Section 80G changesWhile there are no changes with respect to reporting of income eligible for benefit under Section 80C of the Income Tax Act, cash and non-cash donations eligible for deduction under Section 80G/80GGA need to be reported, say tax experts. The forms seek bifurcation between donation in cash and other mode for Section 80G deduction purposes.2. Income tax forms - changes applicable to company directorsIndividuals serving as a director in a company can no longer file the income tax return using Form ITR-1 or Form ITR-2. Such individuals will be required to furnish details such as the company's Permanent Account Number (PAN) and Director Identification Number (DIN), and mention whether the shares are listed or unlisted. Additionally, details on investments and transactions undertaken in relation to such shares will also be required.3. Changes with respect to agricultural incomeIn case of taxpayers earning agricultural income exceeding Rs. 5 lakh, additional details of the agricultural land need to be provided such as name of district, land area, whether land is owned or leased, whether the land is irrigated or rain-fed.4. Changes with respect to unlisted company sharesIncome tax assesses will be required to furnish details of the investments held, acquired or transferred in unlisted equity shares during the financial year.An individual/HUF (Hindu Undivided Family) holding unlisted shares needs to disclose name of the company, opening number of shares, cost, details of shares acquired & sold during the year and closing number of shares and cost.5. Restrictions on ITR-1 and ITR-4Form ITR-1 - also known as "Sahaj" - cannot be used by an individual serving as director of a company, having investments in unlisted equity shares, or having income on which TDS (tax deducted at source) has been deducted in another person's hands.Form ITR-4 - or "Sugam" - cannot be used by individuals or HUFs non-resident, ordinarily resident, non-resident partnership firms, directors of companies or persons having investment in unlisted equity shares or having more than one house property.6. Changes applicable to NRIsIndividual taxpayers are now required to select the applicable residential status rule based on the actual physical stay of the individual tax payer, say experts.Overseas Citizens of India (OCI) and Persons of Indian Origin (PIO) qualifying as non-resident are required to report the actual numbers of days of stay in the country in the relevant financial year as well as preceding four years Also, individuals qualifying as NRI need to report the jurisdiction of residence and Taxpayer Identification Number, he adds.7. Changes with respect to sale of capital assets (immovable property)In case of sale of immovable property during financial year 2018-19, details such as name, PAN, percentage share, the value of sale and address of the buyer need to be furnished.8. ITR-1 is the simplest form of income-tax return to be filed by an individual taxpayer who earns income from salary/pension, from one house property and from other sources. Further, annual taxable income of the individual taxpayer should not exceed Rs. 50 lakhs and his total income should not include any income from betting, gambling, etc. Unlike last year, the new ITR-1 requires detailed calculation of income from salary and from house property, which was restricted to single figure till last year.9. The new ITR-1 form has been withdrawn for a non-resident. Therefore, a non-resident will have to choose either from ITR-2 or ITR-3 to file his return of income for the Assessment Year 2018-19.10. In case a taxpayer opts for presumptive taxation scheme under section 44AD, 44ADA or 44AE, he will have to file the return of income in form ITR 4. The old ITR 4 sought only 4 financial particulars of the business, a) total creditors, (b) total debtors, (c) total stock-in-trade and (d) cash balance. The new ITR 4 form seeks details of 14 financial particulars of business such as amount of secured/unsecured loans, advances, fixed assets, capital account, etc.11. The new ITR 4 requires a taxpayer to provide the aggregate turnover reported by him in GST Returns. This additional information has been sought to end the wrong practice of reporting different turnovers in erstwhile sales tax return and income-tax return. If any difference is found in turnover reported in GST return and ITR, presumptive taxpayers can expect a notice from the Dept. to explain the mismatch in turnover.12. The new ITR Forms introduce specific columns to report each capital gain exemption separately. Details of each capital gains exemption under Sections 54, 54B, 54EC, 54EE, 54F, 54GB and 115F shall be reported in its applicable column now. Further, a taxpayer availing of these capital gains exemptions is required to mention the date of transfer of original capital asset which was missing in earlier ITR Forms.13. In the case of capital gain arising on transfer of unquoted shares, it would now be mandatory for the investors to obtain the valuation report. To ensure that investors correctly report the capital gains from unlisted shares, the new ITR Forms require the taxpayer to provide figures of actual sales consideration and FMV as determined by a Merchant Banker or CA.14. Until last year, if a taxpayer failed to file the ITR before end of assessment year, penalty under Section 271F could be imposed by the Assessing Officer only after initiating the penalty proceedings. After omission of this penalty provision by the Finance Act, 2017, late fees are levied under Section 234F if taxpayer does not furnish the ITR in time. The taxpayer shall now be required to pay late filing fees under section 234F along with interest under section 234A, 234B and 234C before filing the ITR.15. For the Assessment Year 2018-19, an individual or an HUF, who is a partner in a firm, shall be required to file his ITR in Form ITR 3 only. Last year the partners were required to file return in ITR 2.16. After enactment of GST Act, the new ITR forms have introduced new columns to report CGST, SGST, IGST and UTGST paid by, or refunded to, assessee during the Financial Year.17. Individual taxpayers who are filing income-tax return in Form ITR 2 or ITR 3 or ITR 4 aren't required to mention the gender, i.e., male or female or transgender, as the column of gender has been removed.CLICK HERE TO READ all the tax-related updates for the month of April 2019.

COMMON TAX DEDUCTIONS FOR BUSINESS OWNERSPaying taxes is probably everyone’s least-favourite annual event. What business owners do like is using all the legitimate business tax deductions available to them to reduce what they owe to the IRS.That’s because entrepreneurs want to keep as much of their hard-earned business profits as possible.Before that can happen, you need to be aware of the numerous business tax deductions that the IRS offers to small businesses. It’s possible to reduce taxable income by knowing which business expenses you can list in your tax return and those you can’t.What is a business tax deduction?During the course of your business year, you pay expenses related to your business operations. The IRS allows you to report allowable and customary expenses. By tracking specific expenses that qualify to lower your taxable income, you can reduce your total tax liability.Some people assume that a business tax reduction for expenses is deducted directly from what you owe the IRS. In actuality, qualifying expenses are used to reduce reportable income thereby decreasing your business’s tax liability and subsequent tax.The IRS considers two types of allowable business expenses:Ordinary Expense: A common expense normally incurred in your trade or business. For example, carpenters purchase tools they use regularly like levels, hammers, drills, and other construction supplies to complete projects.Necessary Expense: This expense is helpful and appropriate for your business. Again using carpenters as an example, they purchase safety work gear such as hard hats, safety boots, and protective eyewear.It’s a daunting task to keep and organize every receipt for a whole year before you file your taxes. While business owners have gathered slips of paper in folders and boxes for years, an expense tracker app can handle this job more efficiently. You can keep digital records for sales, expenses, and other data on your computer or smartphone to access instantly throughout the year and at tax time.30 Common Business Tax DeductionsThe items below are general expenses most often used by business owners to reduce tax liability. Before you use these expenses to reduce how much tax you owe, make sure it is appropriate for your business type (sole proprietorship, LLC, corporation, etc.). If you are unsure whether a certain expense is allowable, contact an accountant to file your taxes properly. Sole proprietorship and single-member LLCs record expenses on Schedule C (Form 1040), partnerships and multi-member LLCs use Form 1065, and corporations use Form 1120. If you aren’t sure which IRS form to use, don’t hesitate to contact a tax professional.1. AdvertisingTypical expenses include business cards, Yellow Pages ads, TV and radio ads and other costs to promote your business.2. Bad DebtsLoans to clients, suppliers, employees, and credit sales to customers you can’t collect are legitimate business tax deductions.3. Business TravelIf you stay overnight for a convention or seminar related to your business, you can deduct lodging and transportation costs. Read below about another travel-related expense (meals #17).4. Business Use of Your HomeThe IRS requires you to complete Form 8829 using the simplified method which calculates usage based on a percentage of the total square footage of your home.5. CommissionsIf you buy or sell a business and pay a broker a commission, it’s deductible as long as you don’t include the expense elsewhere on your return.6. Continuing EducationBusiness owners must be able to prove that continuing education courses improve skills or are a legal requirement to maintain a professional license. In some instances, it’s possible to deduct continuing education expenses for employees.7. Contract LaborPayments you make to independent contractors who complete work using their own tools, equipment, and materials can be deducted. They are self-employed and aren’t considered employees.8. Customer GiftsThe IRS stipulates that you can deduct $25 per customer. If you gave a customer a gift valued at $100, you can only deduct the first $25.9. Depreciation and Section 179 ExpensesYou can include as deductions equipment and vehicles depreciated from the time you first used them as business property until you took them out of service. It’s also possible to claim the full purchase price of assets you buy, finance, or lease if used exclusively for your business.10. Employee Benefit ProgramsAccident and health plans, group term life insurance, and dependent care assistant programs qualify.11. Funded-Deferred Compensation PlansThis business tax deduction includes contributions you make on behalf of an employee’s pension, profit-sharing, or annuity plan.12. InsurancePayments made for business insurance to cover property, professional liability, and products, among others, are deductible.13. Interest PaidNormally reported on Form 1098, interest paid on a mortgage for business property is an expense. If you use one credit card for personal and business expenses, you can only deduct business-related charges and applicable interest.14. Legal and Professional FeesThe money you pay to an attorney, accountant, and other consultants relating to operating your business can be deducted. When you pay a tax service to prepare your taxes, don’t forget to include the expense.15. LicensesThese are fees you pay to state and local governments related to your trade or business.16. MaterialsIncidental materials and supplies you keep on hand and consume during the tax year are deductible as long as they aren’t inventoried.17. MealsYou can deduct 50% of the value of your business meals when meeting with clients, potential customers, or other business contacts.18. MileageYou can use the standard mileage rate for business miles driven or deduct actual expenses like gas, repairs, and vehicle insurance. Regardless of how you determine the deduction, you’ll need to keep accurate records for documentation.19. Office Furniture and FixturesDeductible items include desks, chairs, bookcases, tables, and partitions. These items are movable and are not permanent building fixtures.For more information about this issue, anyone can watch this video.20. Office SuppliesNormally supplies include items you buy and use during the year. Some examples include paper, sticky notes, staplers, folders, ink for printers, and postage. Supplies you use to make, ship, and package products are expensed as costs of goods sold.21. Parking and TollsIf you visit a client and park in a garage or pay tolls en route, these costs are deductible.22. Rent PaidDeduct rent you pay to rent or lease vehicles, machinery, equipment, or office space in a building.23. RepairsOrdinary repairs and maintenance are deductible as long as they don’t increase the property’s value.24. Research and DevelopmentIn the process of finding and creating new products and services, you can deduct related expenses.25. Safe-Deposit BoxIf you use one to store incoming-producing stocks and bonds or investment documents, the cost is a business expense.26. Software and ElectronicsAny time you purchase new or upgraded software, laptops, smartphones, and other small gadgets for business use, you can list them as expenses. Your accountant can advise whether pricier purchases should be depreciated over time or expensed fully under Section 179.27. TaxesExamples include business taxes paid on personal property and real estate. Check with an accountant to determine if state and local taxes you paid as a seller of goods and services can be deducted.28. Theft LossesIf someone steals money or business property, you should be able to take a deduction.29. UtilitiesElectricity to power a building used for business purposes is fully deductible. You can deduct all business-related mobile phone charges and business landlines.30. WagesPayments to employees for salaries, commissions, bonuses, and fringe benefits are considered business expenses.Expenses You Can’t DeductBelow are examples of expenses that aren’t considered business tax deductions by the IRS.Business Clothes: Of course you want to look your best when working with clients. However, unless you wear a required uniform or protective equipment, the clothing and shoes you buy for work aren’t deductible.Cell Phone Expenses: It’s better to use a phone dedicated exclusively for business use in order to deduct associated expenses. If you use a phone for both business and personal reasons, you can only write off the business portion of total expenses: supporting this portion is almost impossible.Commute to Work: The distance you travel from your home to your office cannot be deducted. You can only deduct mileage from your workplace to a business-related destination.Parking Fines: You can’t deduct traffic or parking fines even if you were travelling for business purposes.Political Donations: If you make a donation to a political candidate or pay expenses toward government lobbying, you can’t deduct those expenditures.Use Tax Deductions and Save MoneyThe IRS is pretty generous with the number of business tax deductions they allow. As long as you know which deductions you can use, you can maximize business profits. If you consciously lie on your tax report, the IRS considers that a form of tax evasion and imposes severe penalties and consequences.

I'm not a licensed financial adviser, but I will give you some ideas about how to manage and grow your income.My answer will assume that you're based in the US and will remain there for the foreseeable future.Don't put all your eggs in one basket. Diversification is what prepares you best for any eventuality, and you should be fine as long as you don’t do ONE thing.* No matter how much you earn, divide your income into 3 separate buckets: necessities, lifestyle, savings.40% of your income goes to essentials and necessities35% of your income goes to lifestyle choices25% of your income goes to your financial obligations (savings and investments)In other words, adopt the 40/10/15/10/25 philosophy to budget your income, always remember to divide it into 5 parts proportionately. Always make everything useful.40% for the first fund (Debit card)10% for the second fund (Debit card)15% for the third fund (Debit card)10% for the fourth fund (Credit card)25% for the fifth fund_1. The first set of funds (40%): To be used for living expenses which covers essentials including:✿ Fixed Expenses / Regular Monthly Expenses: are those that you have to pay every month and unlikely to vary between months. These are going to be about the same amount, month-in, month-out. These are not dynamic, meaning once you set the amount for the year, you shouldn't change it.These include things like credit card debt/personal loan/mortgage payments/auto loan/college loan repayment, rent/lease payment, taxes, bank/legal/accounting/investment fees, subscriptions (fitness, magazine, online), insurance [home, auto, life, LTC, disability, health, dental, child care/sitter], savings (taxable/Roth IRA/retirement, emergency fund), investments, tithe, charity/offerings, childcare & support, home/car maintenance, which are easy to budget every month because they remain constant.✿ Variable Expenses: are those that you pay every month, but that you might budget differently from month to month. These are expenses that you can plan on (somewhat), but that you want to be able to change when needed. In other words, these expenses change from month-to-month.Like personal care, food & beverage (groceries, delivery/prepared food), eating out, clothing, laundry, transportation (auto fuel/maintenance, gas & oil, subway pass, cabs, Uber etc), utilities (gas, electricity, water, trash, phone/mobile, internet, cable), entertainment, education, household misc, change from month to month based on circumstances and appetites. These are good areas to focus on when money is tight.✿ Irregular Expenses / Intermittent Expenses: are things that come up a couple of time a year that you know you need to budget for.Such as home/car repairs/replacement & tires, travel, gifts, grooming & personal care (medical, dentist, optometrist, vitamins, skin+haircare, hygiene supplies, etc), makeup/clothing, accessories/tools, misc, are ideally also accounted for in a complete budget (with costs spread out a little over each month), but beginners can also just group all this into a discretionary spending category for the sake of simplicity.2. Second set of funds (10%): To network and build relationship. (entertainment, dining, gifts)If you can master one skill, learn to network and build relationship. The most profitable business is investing in people.When you increase your social investment, expand your network of contacts, your income also grows proportionately. Expanding your network will have an important impact in how much you earn eventually.Relationship building is about giving before receiving.When you are poor, spend less time at home and more time outside. When you are rich, stay at home more and less outside. This is the art of living. When you are poor, spend money on others. When you’re rich, spend money on yourself. Many people are doing the opposite.When you are poor, be good to others. Don’t be calculative. When you are rich, you must learn to let others be good to you. You have to learn to be good to yourself better. When you are poor, you have to throw yourself out in the open and let people make good use of you. When you are rich, you have to conserve yourself well and don’t let people easily make use of you. These are the intricate ways of life that many people don’t understand.When you are poor, spend money so that people can see it. When you are rich, do not show off. Just silently spend the money on yourself. When you are poor, you must be generous. When you are rich, you must not be seen as a spendthrift. Your life would have come full circle and reach its basics. There will be tranquility at this stage.✿ The one rule you should follow is to never eat alone. Always look for a connection to share a meal with. There’s something very honest about eating together, and over the years, I’ve found it leads to stronger relationships. It can also be a good way to figure out who you truly want to build a relationship with. Generally, if it’s not someone you would share a meal with, do you really want to have them as a trusted advisor?Buy your friends 2 lunches a month. Who should you buy lunch for? Always remember to buy lunch for people who are more knowledgeable than you, richer than you or people who have helped you in your career. When buying people dinner, make sure you buy dinners for people who have bigger dreams than you, and work harder than you. Make sure you do that every month. Perhaps you provide connections or advice or office space or a next step in a process. That way, if you have to say no to one thing, there’s still energy you can contribute. To some people, you might be able to invite them directly to lunch or a coffee meeting. To others, you might want to wait until you’ve had more work experience with them before deepening the network tie.✿ Or you can deploy a barbell strategy. Go to stockpile.com and buy fractional shares in blue chip stocks. Then buy bitcoin. Do this every other week for four weeks and on the fifth week buy a beer for someone you admire or gift someone either some bitcoin or fractional shares of stock.3. Third set of funds (15%): To learn and invest in yourself.Find ways to become more valuable as a person, learn how to show off that value by adding it to others' lives and solving problems and figure out how to capture a good chunk of the value that you’ve worked hard to build for yourself.✿ Monthly spend 4% of this fund on self-improvement (education and great books). Read them carefully and learn the lessons and strategies that is being taught in the book. Each book, after reading them, put them into your own language to tell the stories. Sharing with others can improve your credibility and enhance the affinity. Also save up $200 per month to attend a training course. When you have higher income or additional savings, try to participate in more advanced training. When you participate in good training, not only do you learn good knowledge, you also get to meet like-minded friends who are not easy to come by.If your monthly income is under $4K, you must still learn and work very hard. Try to find a part time job. It will be great to find part time sales jobs. Doing sales is challenging, but it is the fastest way for you to acquire the art of selling and this is a very deep skill that you will be able to carry it for the rest of your life. Success is based -- in almost any field -- on solid sales skills. Whatever line of business you’re in, almost everyone nowadays is in the business of selling. Whether you’re trying to get customers to buy your product, pitch your company to investors, motivate your employees or get your teenager to do the dishes, your success will be dictated by your ability to influence, persuade and “close the sale”.Learn how to sell. It's the best investment you will ever make.Businessmen everywhere need help. Offer yourself to do part time for any kind of opportunities. This will help to hone your will and improve your skills. You will start to develop eloquence and soon, you’ll be closer to your financial goals.✿ Spend the remaining 11% of this fund on taking care of yourself so that your body will still be in good shape. Lookism still exists. Many people will gladly blow $300 on a bottle this weekend but are scared to buy a $35 fitness program. Get your priorities straight.All knowledge is out there, most of it for free. There are no excuses.4. Fourth set of funds (10%): To travel.Increase investment in holidays, expand your horizons and increase investment in the future, and that will ultimately increase your income.Use it for holidays overseas. Reward yourself by traveling at least once a year. Use one credit card for large purchases, such as airline tickets and hotel stays. It’s wise to keep your own credit cards to maintain your credit score and credit history. Using them once or twice a year should be sufficient. And don’t close those cards because it will affect your overall credit score. Continue to grow from the experience of life. Stay in youth hostels or an Airbnb to save cost. In a few years you would have travelled to many countries and have different experiences. Use that experience to recharge yourself so that you’ll continually have passion in your work.5. Fifth set of funds (25%): To save and invest.This is money for “future you.”✿ Save a half of your fifth fund in your bank for emergency fund and retirement fund. Grow it as your initial startup capital when you can. The capital can then be used to do a business.✿ Use the other half for other investment plans.Money buys you freedom. “Enough” is what it takes to not worry about the bills. “A lot” is enough that you never have to worry about working again.The yardstick you should be thinking about, in the long term, is what people in the business world call “Fuck-You Money”. The term is a shorthand for the amount of money you’d need in order to be able to live comfortably off the investment returns, while still appreciating the principal ahead of inflation. “F--- you” money means you can rent a jet to go wherever you want, whenever you want and no party is out of reach. “F--- everyone” money means you can have your favorite band in your backyard, not care how much it costs and lend them your jet to get there.You can’t just earn your way to financial freedom. You have to invest. You don't have to be rich to invest. These investments create additional streams of income that pay dividends down the road and will build your Freedom Fund — the source of lifetime income that will allow you to never have to work again.When you can do that, you can work any job you want, and if you don’t like what you’re doing, you don’t need that job - you can tell them to stuff it at any time. A rough guiding number would be $10M, because then even if you’re taking 1–2% per year, you can live nicely on that amount of cash and still see its value grow (if you’re averaging 6–8% annual return). Not a lot of people get there, but if you do, you’ve basically won the game.The old joke is that a broker (or wealth manager) is someone who looks after your money until it's all gone. A reasonably well-educated person can read a bit and apply some basic lessons and do just fine. Those lessons chiefly include:Diversify. Don't try to pick individual stocks or bonds.Mix asset classes that have a low or even negative correlation.Go passive when you can (S&P-500-tracking ETF).Manage for optimal tax treatment.Invest in things that are understandable to you and are already great.Make investing a habit. Keep saving. But don't keep too much cash in checking or savings. Automate your savings. Keep your money in a brokerage account.Your theoretical self-managed $10M portfolio would look a lot like your much-smaller one in reality:~70% stocks, most of which are US (a plurality in S&P-500-tracking ETF, some others in sector-specific funds, sectors with a range of betas), some foreign, always in mutual-fund or ETF form No picking of individual stocks (#a), no hedge funds (#c).If I have to pick a single stock, I’m picking the one that’s the largest fraction of the market portfolio. At the moment, the top 3 are all roughly tied - Microsoft, Apple and Amazon, with Google and Facebook some distance behind. Among those 3, it’s a fair question whether MSFT and Apple have grown as large as the market might possibly bear - they could always innovate their way into other adjacent industries, after all nobody really saw the iPod coming nevermind the iPhone, but neither has really done so in a long time. Meanwhile, I think Amazon has the most natural path to expanding their industries and defending their competitive advantages. So I’d probably say Amazon, P/E ratio be damned.~15% bonds across a range of durations and convexities, some minority of which are probably Treasuries. Corporate bond funds will probably be actively managed, but fees are lower there than, say, micro-cap stock funds.~10% real estate, moderately leveraged (70-80% LTV), in a mix of geographies, managed by local property managers. Aim for 8-10% ROE assuming 90-95% occupancy. Buy new (direct from builder) when you can. Consider holding the largest properties directly as an individual (rather than, say, through a trust) in order for the depreciation to be deductible against other income - depending on tax-structuring advice (#d).~5% private equity, angel investments, and mad money. Commit a few million to the likes of TPG or Carlyle, if they'll take your money, if for no other reason than to see what they're up to and learn from them. Yeah, this violates my (#c) above, but it's in keeping with (#b), and it's a tiny fraction. Angel investments obviously violate (#c) too, but at least it's something to keep busy with - I hate golf. Maybe you'd try to learn the game with tax liens or other alternative asset classes, if you could get good enough you might increase allocations there. Could be fun!Over time, as your risk aversion increased, you would consider up the fraction of bonds, but probably not bias towards more risk-averse fixed-income products.See tips for investing for more information.** Full list of tools that help you manage your income and spending here.By the second year, your monthly income should be increased to at least $5K/month. Minimum it should be $5K, otherwise you would not be able to keep up with inflation.After struggling for a year and if your second year income is still the same, then that means you have not grown as a person. You should be really ashamed of yourself.I take a very conservative approach and realize some of these guidelines will be tough to meet in areas where housing prices are extremely high. Housing costs can have an extreme impact on achieving your overall financial goals. Housing costs are extremely dependent on the region in which you live and keep in mind this is a zero sum game; if one category increases, you must decrease in another. The actual percentage of taxes will also depend on local, state and federal rates. For example, in some areas/countries, you might have to spend up to 14–25% of your income on taxes and 15–20% on housing costs, which also means you have to cut expenses on other things.You’re better off cutting recurring expenditures than one time expenditures, because cutting one time expenditures doesn’t save you much money and comes with a huge reduction to quality of life.Everyone’s finances are different, of course. Feel free to customize this system as necessary. While the specific answer varies from person to person, there are certain rules of thumb that can be useful across the board. All of these ranges are guidelines, not strict rules. But if you do adhere to them, you'll be in a much better financial position than you would otherwise. The point is to get — and keep — a grasp on the flow of your money. If you know exactly what’s coming in and going out, you can’t be surprised by debt. You will be mindful of what you spend, and that's half the battle._Life can be designed. Career can be planned. Happiness can be prepared. You should start planning now.Maintain this balance and gradually you will begin to have a lot of surplus. This is a virtuous circle of life plans. Your body will start to get better and better as you get more nutrition and care. Friends will be aplenty and you will start to make more valuable connections at the same time. You will then have the conditions to participate in very high-end training and eventually you’ll be exposed to bigger projects, bigger opportunities. Soon, you will be able to gradually realize your various dreams.If you follow this plan diligently, you will soon see big surplus in your funds.Once your livelihood is no longer an issue, use the remainder of your money to pursue your dreams. Spread your wings and dare to dream! Make sure you live an extraordinary life!See the key to getting rich and success in life for more information.Hope it helps!