Apac Daily

18/01/2026

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08/09/2025

30/04/2024

Assets vs liabilities

The idea is to have more assets than liabilities. An asset is something you own that generates income or increases in value. Typical assets include things like land, buildings, businesses, farms, forests, equipment, inventory, receivables, cash, treasury bills and bonds, unit trusts, provident funds, precious metals, digital assets, brands, shares, etc.

A liability is something you owe someone else and costs you money. Examples of liabilities include loans, mortgages, credit, payables, etc.

The difference between your assets and liabilities is your net worth. You increase your net worth by using your income or savings to buy assets while reducing your liabilities. Your income comes from deploying your unique gifts, talents, skills and experiences to solve problems or provide a useful service to other people.

01/11/2022

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Halloween first originated from the ancient Celtic festivals. It was part of the end of the year celebration known as "Samhain". The Celts, which lived in now modern-day Ireland, UK and northern France, would celebrate the New Years on November 1st. This day marked the end of summer and the beginning of a long, cold, dark winter. So New Year's Eve would be the night of October 31st where everything began. It was known as All Hallows Eve. On this evening, it was believed that evil spirits would be resurrected from their graves and go around haunting the townspeople.

Since winter was a frightening, dark and uncertain time, food supplies would sometimes run short, so on All Hallows Eve, the townspeople would be terrified to go out in fear of encountering ghosts. So, in order to get rid of and protect themselves from these evil spirits, the townspeople would disguise themselves in costumes and light up bonfires in order to confuse the evil spirits and avoid being recognized. This way, they are mistaken as fellow ghosts. Bowls of food would also be placed right outside of their homes to please the evil spirits and prevent them from entering the homes.

By time, different practices of this night gradually evolved. All Hallows Eve eventually became known as Halloween. This night became a night of public events, sharing ghost stories with one another, dancing and singing… In the second half of the 19th century, new immigrants (mostly the millions of Irish escaping famine) flooded America and later on, helped nationally popularize the Halloween celebration. It is now a night of fun, trick-or-treating, gatherings, eating sweets and partying. In replacement of bone fires, people would crave pumpkins into jack o lanterns.

26/10/2022

The hunter of the ostrich will find it.

Meaning.
Whatever you seek, don’t give up and you will find it. All we need is patience.
from Morocco

21/10/2022

When u see a pregnant goat in the market, there is a pregnant problem at home.
from Uganda(apac)

20/10/2022

In the journey of life we keep trying........
There you go

19/10/2022

10 LESSONS FROM RICH DAD, POOR DAD

1. Manage your money:

Many people are able to make money, but not everyone learns how to manage it properly.

Financial intelligence starts with learning the difference between assets and liabilities.
ensure that you have more money coming in than going out, which is what will make you richer.

2. Pay Yourself First:

Most people earn and spend their salary paying bills.

A rich person always pays himself.

Invest in
- Courses
- Books
- Experiences

3. Saving and investing are different:

Saving is considered a must and a good habit.

You need to invest your money instead where it grows at a higher rate than inflation.

Saving weaken the purchasing power while investment will increase the value of your money.

4. Learn taxes:

If you are rich and lack financial literacy, you will end up paying a lot of taxes.

The rich have their investments often in learning, so they have to pay fewer taxes.

You need to have financial IQ in different areas like accounting, investing, market forces, and the law.

5. Do not rely on a single source of income:

Most people rely on a single source of income.

You can never become rich and financially secure if you are one of those.

You should have 2 to 3 streams from where you earn money.

You will be in better position even if you face some financial crisis if you multiple income streams.

6. you become smarter by taking risk:

Unless you take a risk, you cannot grow, grow as in grow really big.

You should take a risk because some opportunities in life have the potential to change the course of your life.

7. Everyone needs to be a financially literate:

Intelligence solves problems and produces money.

Money without financial intelligence is money soon gone.

The sad part about the education system around the world is that it teaches to work for money.

The system never teaches how to make, manage, and keep the money.

You should learn how to create wealth and make a plan to achieve

18/10/2022

REASONS WHY YOUR WIFE WANTS YOU HOME EARLY

1. The night is the most intimate time. Who you give your night to, is your priority

2. She wants your children to bond with you before they sleep

3. You are the King of the house. Why be absent yet your presence at home is needed as head of the home?

4. She wants to catch up with you and know how each other's day has been before she gets tired and sleep

5. To make love to you. At night is when she often feels h***y, touchy, sensual and in need of attention

6. To end the day right. She doesn't feel OK sleeping without sufficiently talking with you

7. Because your home is not a lodge that you go to late in the night just to sleep. Come home early so that you enjoy your family

8. To pray with you. Prayer needs to be allocated to time

9. To eat with you and the family

10. To know you are OK. You are a grown man but she'll feel safe when you are home, lying on her thighs or bosom, cuddling with her

17/10/2022

Happy new week