On Earnings: "Never depend on single Income, Make investment to create a second source."On spending: "If you buy things you do not need, soon you will have to sell things you need."On Savings: "Do not save what is left after spending, but spend what is left after saving."On taking risks: "Never test the depth of river with both feet."On investment: "Do not put all eggs in one basket."On expectation: "Honesty is very expensive gift. Do not expect it from cheap people"