Assalamualaikum. First of all, Abam Kie would like to wish all of you a happy new year! What is your resolution for this new year? My new year resolution is to save some money for my daughters' education. I don't want to borrow loans from PTPTN as it is quite costly and burdensome for them to pay back later. OK, on the very first day of the year 2016, abam kie would like to share some considerations for this new year. Written in simple English, I hope you can understand their meanings. Thank you.

1. ON EARNING:
Never depend on single income. Make investment to create a second chance.

2. ON SPENDING:
If you buy things you do not need, soon you will have to sell things you need.

3. ON SAVINGS:
Do not save what is left after spending, but spend what is left after saving.

4. ON TAKING RISK:
Never test the depth of a river with both feet.

5. ON INVESTMENT:
Do not put all eggs in one basket.

6. ON EXPECTATIONS:
Honesty is a very expensive gift. Do not expect it from cheap people.

7. Past is a waste paper, present is a newspaper, and future is a question paper. Come out of your past, control the present, and secure the future.

8. When bad things happen in your life, you have three choices. You can either let it define you, let it destroy you or you can let it strengthen you.

9. Our eyes are in the front because it is more important to look ahead than to look backwards.

10. We use pencil when we were young, but now we use pens. Do you know why? Because mistakes in childhood can easily be erased, unlike now.

Have a prosperous 2016.