PBF0014 by tay leeying https://padlet.com/leeyingtay89/pbf0014CHAP1 Chapter 1 en-us 2018-07-10 06:35:01 UTC 2025-12-21 04:22:37 UTC hello@padlet.com https://padlet-assets.s3.amazonaws.com/icons/Rocket.png Discussion 1 leeyingtay89 https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/269813377 Dear students,
Please watch the video and list down the personal finance wisdom that you can apply in your life. Please work in your group and complete it.]]> 2018-07-10 06:36:40 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/269813377 Tanjunyin, chong xin yen, Russel lim, Tee ai chin, Toh wan jing tanjunyin1945 https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270014108 1)Set a budget plan
2) live below your mean
3)save money
4)invest mutual fun
5)no debit card
6)debt free

7)reduce tax libility
8)become business owner
9)make sure cash's flow positive
10)invest in asset that we can control
11)be frugal in personal stand point ]]> 2018-07-12 04:09:28 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270014108 Choo Jia Le, Yeow Wei Wen, Ng Jason ,Gabriel Chua Chin Seng,Kok Yin Loon https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270017785 personal wisdom can apply in life
1 set a budget(spending plan)use MINT.com
2 live below yr mean (spend less than wht u earned)
3 save money
4 no credit cards(pay everything use cash)
5 no debt (debt-free)
6 invest in own businesses
7  buy real estate
8 have complete control over investment
9  buying things for personal use only
10 creates an education for spent money smarter
11 rent house ,not buy house]]> 2018-07-12 05:02:16 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270017785 Chong Zhi Ren, Lee Hui June, Stanley Low Jun Loong, Wong Yeong Ying https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270063224 1.set a budget to plan your spending
2.live below your mean , don't spend more than you earn
3.saving money
4.invest money like mutual funds
5.set up a retirement account
6.no credit card buy everything in cash
7.no debt
8.buy asset
9.invest your own businesses
10.go big and be frugal in personal but businesses-wise be aggressive]]> 2018-07-12 14:33:16 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270063224 Ivy See , Angelin Tan Li Xin, Nixon Teoh Hong Chin, Nicholas Tan Yi Hong https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270066262 1.Set a budget
2.Living below your means
3.Save money
4.Invest in mutual funds
5.No credit card
6.No debt
7.Invest in own business
8.Buy real estate
9.Complete control over your investments
10.Be frugal in personal 
11.Be aggressive in business
12.Make sure cash flow positive

]]> 2018-07-12 15:03:43 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270066262 Tan Hui Lin, Chua Siang Teng, Tan Pei Yi, Kong Sue-Vynn, Nur Emilyn Yoo kelly_tan5102000 https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270068026 1. Start business
2. Set a budget for spending (MINT.com)
3. Live below your means (spend below the amount you’ve earned)
4. Save money
5. Invest your own assets
6. Invest wisely
7. Invest muture funds
8. Use credit card wisely
9. Do not afraid to make mistakes
10. Buy assess
]]> 2018-07-12 15:25:06 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270068026 Chua Shi Rou, Gan Qian Han,Cha Jie Yee,Tan Kah Kei and Rabiatul Azurin Binti Rosman https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270108555 1) manage what to buy
2) save money 
3) no debt 
4) do investment
5) record things that have buy
6) buy thing when there is a discount 
7) don’t buy things that are unnecessary 
8) rent asset to other people to get for rental
9) learn for your mistakes 
10) make sure to reduce the percentage of making mistakes 
11) don’t give up the spirit of saving money 
12) have a goal for saving money ]]> 2018-07-13 02:49:32 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270108555 Pok Xiao Lin, Lim Hui Thing, Toh Tao Jie, Verona Tan Xiang Ni, Gan Li Hui https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270120031 1) Set a budget (use MINT.COM)
2) Live below your means (spend less than you earned)
3) Save money
4)Invest mutual funds
5) No credit cards (pay everything in cash)
6) No debt (Debt-free)
7) Buy assets
8) Start business
9) Do make mistakes along the way
10) Be frugal from a personal level (buying things for personal use)
11) Be aggressive from a business level]]> 2018-07-13 05:19:06 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270120031 Tham Jie Shi,Goh Wei Xuan,Cristy Fo Hui Chi,Devi Gopal Mohan,Kenny Ho Chin Han https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270122844 1)No Credit Card
Since we are student now,we should not have credit card and never use a credit card.This is because parents are the one who will pay back the amount that we borrowed since we are not working yet.Moreover,if we are not tracking our finances,we won’t know if we are running up more debt than we or our parents can handle.So,we should never use a credit card and pay everthing with cash.                                        2)Control our Impulse spending.         People tend to spend more than what they expect. Impulse spending, on eating out and shopping and online purchases, is a big drain on our finances, the biggest budget breaker for many. We must plan our budget and needs properly before spending it. By spending less, we can can easily buy our wants in the future.                3)Investing
We must be aggressive to invest and start a business.For instance，we can be frugal on personal spending but we can use saving or debts to buy asset.After getting profit，we can use the money to pay the debts.At the same time，we can earn how to become a intelligent investor from mistakes.  4)Be frugal when spending on our personal things. 
For example, we do not have to buy a big, luxurious car for transportation, all we need is just a cheap transportation that can bring us from one place to the other. On the other hand, we should be aggressive on our spending when doing a business. This is because although we may leave a debt for buying an asset for the business, the money will still come back from the asset bought and it will cover up the debt anyway.                                  5)Live below your means
We should not spend as much money as we earn.Conversely,we have to save money for the future ,unexpected events or special expenses.                                            6)Set a budget (MINT.COM)          7)Invest mutual fund                            8)Save money                                9)Having a goal                              10)Learn from mistakes                       11)Buy assets                                      12)Start a business                              13)Make sure debt free(no debt)


]]> 2018-07-13 06:32:51 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270122844 Ng Kai Man , Chong Chun Heng , Tan Zhe Wen , Tan Xin Yee , Ong Jie Ying https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270124349 1)budgeting
-Set a monthly budget so that you can control and save your expenses therefore the extra credit can be emergency money flow purpose
2)living below your means
3)saving
-The more money you save, the more money can go into businesses, can go into assets, can go into investing and can go into making mistakes on some of those things.
4)have some debt
5)didn’t invest in mutual funds
6)started businesses
7)use debt wisely to buy assets
8)did make mistakes along the way and learn how to become successful investors and business people.
-That creates an education for you, you spent the money you learned what you’re not supposed to do, but that makes you smarter and shows you opportunities that other people wouldn’t see.
9) just do it!!!
-many people are too scared to spend any money on assets, starting businesses, investing, and what ends up happening is they stay in the safe zone, which, there’s safety in this, but the problem is they never make the big returns.
10）Rent a house is better than buying a house 
11）Make sure we have more equity than debt 
12） reduce your tax liability]]> 2018-07-13 07:03:35 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270124349 Pong Jing Ching,Toh Pik Yong,Lee Sin Yi,Loh Zhi Xin,Grace Goh Man Jing. https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270127602 1)Set a budget which is a spending plan.(Use MINT.com)
2)Live below your means.(Spend less than you earned)
3)Save money
4)Invest mutual funds.(Set up retirement account)
5)No credit cards.(Pay everything with cash)
6)No debt.(Debt-Free)
7)Buy assets.
8)Start business and learn how to become a successful investor.
9)Do investment wisely.
10)Learn from mistakes.
11)Being very frugal for the personal level and be aggressive for business level.
-The more money we save can go into asset,business and also investment.]]> 2018-07-13 07:55:04 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270127602 https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270128436 2018-07-13 08:12:08 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270128436 Yong Sze Khai, Sri Gauri Sangkar, Low Siew Hui, Ng Jia Hui, Chieiu Hui Shee https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270129213 1. Set a budget to plan your    spending.
2. Live below your means (you don't spend as much money as you earn).
3. Save money.
4. Invest in mutual funds (so you would set a retirement account and try to max out it).
5. Never use a credit card (you should pay everything with cash).
6. No debt (Debt-free).
7. Be frugal from the personal level.
8. Be aggressive from the business level.
9. Rent a home as opposed to buy it.
10. You should know how to use credit card reasonably.]]> 2018-07-13 08:25:25 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270129213 Elaine Khoo Sue Mae . Goh Fang Chin. Jane Lee Le Xuan. Lim Hui Ying. Tan Ying Hui. https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270184398 1) Set a budget (mint.com)
2) Live below your means (don't spend as much money as you earn) 
3) Save money
4) Invest money (mutual funds) 
5) No credit cards
6) No debt (Debt-Free) 
7) Buy Assets
8) Start Business 
9) Invest 
10) Learn from mistakes
11) Be frugal in personal
12) Be aggressive in business 
13) rent a home]]> 2018-07-14 05:17:48 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270184398 Chong Xin Ee,Lau Wan Ying,Liang Hui Li,Aric,Ho Khwan https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270211648 1.Set a budget(spending plan)-use MINT.com
2.Live below your means
3.Save money
4.Invest in mutual funds
5.No credit cards-pay everything with cash
6.No debt(debt-free)
7.Invest in own businesses
8.Invest in real estate
9.did make mistakes along the way but learned how to become successful investors and business people
10.Make sure cash flow's positive 
11.Reduce tax liability
12.Buy assets]]> 2018-07-15 02:05:10 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270211648 https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270212168 Goh Yee Ern, Kiew Jia Chee, Lee Juin Wei, Nur Sabrina Yap, Siow Kah Cheong

1.       Set a budget to plan your spending. (use mint.com)
2.       Live below your means. (spend less than but not as much money as you earn)
3.       Save money.
4.       Invest in mutual funds. (set up retirement account)
5.       No credit cards. (pay by cash)
6.       No debt. (debt-free)
7.       Buy assets.
8.       Start business.
9.       Do investment wisely.
10.   Learn from mistakes.
11.   Be frugal from a personal level. (buy things for personal use)

]]> 2018-07-15 02:18:37 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270212168 https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270216330 Christina Law Jing Yi , Adam Chew Ming Zheng , Ng Qing Ya , Er Pei Ling , Ho Jin Jack
Personal Finance Wisdom :
1. Budget
-this wisdom can be  applied in our life because whe we budget ( as a verb), we will have the knowledge and skills to control our spending and optimist it (in other words, get the most value for our money.)
2.No credit card
-this wisdom can be wield in our life.Due to the credit card, you will use the credit card unlimit and uncontrol.After using the credit card,you will be charged fees when you miss the period of payment.
3, Start business
-try to be a business owner and have our own assets and structure
them wisely to reduce tax liability.
4.Used debt wisely to buy assets.
5.Have discipline to have credit card with no balance on it,in case to deploy modern assets.
6.Buy things using cash.
7.Use the money that you save to your invest.
8.Records our budgets using a system called MINT.COM.
9.Always ensure no current debt.
10.Always ensure your account saving is enough for long term debt.
11.Make a wise decision before withdrawing money from debit card, ensure your salary can fulfill your expenses.
12.Not necessary to use all the budget that you has prepared.
13.Always do record and calculate budget.


]]> 2018-07-15 04:10:20 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270216330 Jeffrey Tan Xian Jun, Tan Siong Kai, Iris Tan Xin Yee, Annie Tan Sin Ling, Chin Jing Ee https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270221042 Personal finance wisdom:
1.  Set a budget( mint.com). Mint.com can help us to track our spending.
2. Don't use credit cards.
-Limit your budgets.
3.Buy assets
4.Invest in mutual fund
5.Learn from mistakes
6.Use cash instead of using credit cards
7. No debts
8.Don't spend more than what you earn and don't spend as much money as you earn
9.Save more money to start a business
10.Starting a  business can help us to improve our income
11.Be frugal 
12.Investing in your own business




]]> 2018-07-15 07:38:31 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270221042 Elain ang jia chee https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270224165 2018-07-15 09:44:59 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270224165 Chin Careen, Chua Kai Ying, Tan Jie Xin, Lai Yi Wen, Ng Yin Yen https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270224534 1)     Set a budget to plan your spending. (Use mint.com)
2)     Save money.
3)     No credit cards. (Buy things by using our cash)
4)     No debt. (Debt free)
5)     Live below your means. (Spend less than the amount you earned)
6)     Invest in mutual funds. 
7)     Buy assets.
8)     Start business. (Become your own business person and learn how to become successful investors)
9)     Need to learn from mistakes.
10)  Before investment, think wisely.
11)  Make sure that the cash flow positively.
12)  Be a frugal person.
]]> 2018-07-15 09:59:55 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270224534 Elain Ang Jia Chee ，Fiona Lee Jia Ling，Haruka Horisawa，Taichi Isago，Keisuke Tsutsumi https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270226263
1) set a budget or call it a spending plan by using a system which called mint.com
2)live below your means （dont spent as much as you earn）
3) save your money 
4) invest your money in thing like mutual friends （set up a retirement account）
5)Dave Romsey said that you should not use credit card and use cash for your payment 
6) no debt （debt-free）
7) use debt wisely to buy asset
8) start business
9) did make mistake along the way but learned how to become successful investors and business people
10) be frugal from personal level and be aggressive intelligent from business level 
11)should probably know how to use credit card intelligently]]> 2018-07-15 11:10:13 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270226263 Andy Hong Phing Cai , Ng Pin Xuan , Ng Yi Suan , Mika Imon , Masaki Soejima https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270228231 Personal Finance Wisdom :
1. Set up a budget to plan your spending and using a system which is called mint.com
2. Strongly disagree to use credit cards.
3. Live below your means ( don't spend more than you earn)
4. Invest money in things like mutual friends.
5. Using debt wisely to buy asset
6. Before you want to do investment, think twice first.
7. Save more money and start to plan a business.
8. Reduce tax liability
9. Did make mistake along the way but learned how to become a successful investors and business people.
10. Be frugal personal level and be aggressive intelligent from business level.
11. Make sure cash flow's positively.]]> 2018-07-15 12:39:56 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270228231 LAU PHEI SIN，LIM CHIA WEI ，LAU SHU QI，KUAN KAH MING，Leom teng xiang https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270282696 1. No debt
2.Make mistakes
3. Live below your means
4. Set a Budget, Period
5.Start business 
6. Invest mutual funds
7.No credit cards
8.Save money 
9.Get a Money Buddy
10.Don’t Ever Cosign a Loan
11.Buy more assets




]]> 2018-07-16 06:36:30 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270282696 Yap Xing Er, Ee Shue Ann, Takuro, Masa, Yu Osuga https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270285695 1. Set a budget  (mint.com)
2. Live below your means
3. Save your money
4. Invest your money (mutual funds)
5. No credit card
6. Debt-free
7. Buy assets
8. Start business
9. Make mistakes
10. Be frugal (personal)
11. Be aggressive (business) ]]> 2018-07-16 07:26:44 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270285695 Yu Saito,Daichi Saito,Yusuke Iida,Yoon Shu Yin,Ang Kai Sin https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270525429 1. Set a budget( use mint.com)
2. Live below your means (spend less than earn)
3. Save your money
4. Invest your money (example :mutual funds)
5. No credit cards (Pay by cash only)
6. No debt (debt-free)
7. Start a business
8. Buy assets
9. Do Investment (buy a real estate)
10. Make mistakes
11. From the personal level u want to be frugal
12. From a business level u want to be aggressive
13. The more money u save, the more money can go into businesses&assets&investments&make mistakes
14. Reduce tax liability
15. Scare to invest will let you stay in the safe zone but they never make the bigger terms
16. Rent a house is better than buy a house

]]> 2018-07-18 14:36:27 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270525429 Sharon Leong ,See Qi Yang,Mhmd Haziq, Yuki , Yuta, https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270534284 1. Set a budget  (mint.com)
2. Live below your means
3. Save your money
4. Invest your money (mutual funds)
5. No credit card
6. Debt-free
7. Buy assets
8. Start business
9. Make mistakes
10. Be frugal personal level
11. Be aggressive intelligent from business leve]]> 2018-07-18 16:34:58 UTC https://padlet.com/leeyingtay89/pbf0014CHAP1/wish/270534284