Copyright 2004

This book is the result of a diligent quest for answers to life's money matters. A serious observation for many years, of those who have, and those who have not, brings me to this knowledge of truth.

You would think that life is fair for everyone, but it's not; we are only equal in the sense that we are allowed to live on earth. Everything else depends largely, on how the choices of others has affected us through association and the choices we have made by our own design in life.

Someone once said: "when it rains it pours!" This is life, when things happen, they come in multiples and compound in their likeness of nature. This is why it seems that some people have all the lucky breaks, and others all the undeserving toil. The reality of this truth is the quality of previous choices made by others greatly affects our life today. In fact, a few poor choices in the past or present can do much harm while a few wise choices in the past or present can put one far ahead in life. One good thing leads to another, and another, the reaction continues.