Showing posts from December, 2005

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3 Cost Effective Ways to Solve Metro Manila's Traffic Problem

The Facebook page of ANC 24/7 is asking for its reader's suggestion on how to solve Metro Manila's traffic problem.

This got me thinking, "what is the best way to solve Metro Manila's traffic problem?" It's easy to make suggestions, what's hard is the implementation and the cost of implementation. So what is the the best way to solve Metro Manila's traffic problem and the most cost effective solution?

Punitive Fines
First of all, any implementation will definitely cost money, a lot of money. The cause of the traffic mess is the people themselves so it's only right that those causing the traffic problem should be fined and the fine should hurt. That way, the fines will pay for the cost of enforcing the law.
The fines should start at P500 and goes up every week if you don't pay it within 15 days. To enforce this and prevent people from ignoring the fine. It will be tied to their driver's license or car registration. They cannot renew their d…
Survey Finds Canadians Retiring at 58 on Average
12/08/2005 - With debt seen as OK by 48 per cent

December 5, 2005

Canadians are retiring during prime earning years with a more lackadaisical attitude toward debt, a new survey suggests, but economists warn the trend can't continue.

The average retirement age is now 58, according to an Ipsos-Reid survey conducted for RBC Financial Group. And while 85 per cent of working Canadians polled believe it's important to pay their debts before retiring, 48 per cent don't believe it's necessary to retire debt-free.

Currently, about one-third of retired Canadians have debt, with the average load weighing in at about $35,000.

"We seem to be observing an emerging mind-set where many Canadians do not see the need to retire their debt before they themselves retire from work," said Dave Richardson, vice-president of RBC Asset Management Inc.

"While entering retirement debt-free continues to be the most prudent approach, these f…
I'm always curious as to why some people are more successful than others, why some people are richer, happier and seem to live a better life.

From all my research, there is a common theme as to why some people are more successful than others. These are:

1. They already believe they are successful. Whether they are still struggling or their business are just starting, they already know they will succeed.

This positive frame of mind makes them keep going even when the going gets though. They don't quit.

2. They have a written plan. In other words, they have clear written goals. It can be a business plan or a written goals. They have something written down as a roadmap to where they want to go. This in turn keep them...

3. Focus. They have laser like focus on where they want to go and what they want to achieve.

4. They save their money. In the bible, it says, "To him that hath, shall more be given, and he shall have abundance. But from him that hath not, even that which he hath sh…