Affiliate Marketing Secrets

The ironic secret is that most people can become millionaires. It’s just that they don’t have the self-discipline to.
For instance, my country’s average wage is $4334 in Singapore dollars. The average savings rate here is 50% of all income, and average income growth is higher than the inflation rate. Let’s say inflation is about 3.22% (the US average inflation rate from 1913-2013)
Let’s say that I’m below average on all counts. I earn only $3334 in income per month. I’m also a poor worker whose income growth is sub-par and only at the rate of inflation. On top of all that, I’m a poor saver and save only 30% of my income.
Finally, I’m also a lazy investor who can’t be bothered to spend more than 10 minutes per year on investing. Hence, I choose to get the average market rate of return by leaving my money in an index fund (in this case, we use one that mimics the S&P Composite Index) and I don’t bother to manage it for the rest of the 40 years. In this case, I get 10.9% average annual returns (average returns of S&P composite over 30 years from 1980-2012). Perhaps I’m really unlucky and this average figure drops by a large amount to become 9% only.
At the end of 40 years, when I’m about 65 (retirement age), I’ll have about $5.8 mn or $1.6 mn after adjusting for inflation. You can see the calculations if you like. They’re here:https://docs.google.com/spreadsheet/ccc?…
S&P Composite Index returns:http://www.measuringworth.com/growth/gro…

I find it interesting. Maybe they are just seeking to understand, I can identify with that. There are groups of atheists that choose not to be affiliated with religion and don’t even like the term “atheist” because of the religious connotation. Someone said something to me one time that the presence of atheists in religious discussions has to do with reverse propaganda because evangelicals spend so much time forcing their views on others. So is it an eye for an eye thing? Is it a attempt to win converts? I know that it can’t be the goal of the atheists and believers on yahoo to just to troll one another daily with such tenacity and rudeness as is so often displayed with no higher motive in mind. Maybe they should have an atheism section in the yahoo answers categories. I am not a religious person, I am not an atheist either, I did join the site ‘think atheist’ however. I like having conversations with atheist because they tend to be able to look at religious topics objectively and their only bias is that they consider it all to be bullsh*t lol. Even on the blogs like “Think atheist” which are geared directly at the atheist community there is a lot of religious discussion. What are some ways that atheists can distance themselves from the drama of religion? I know the late Christopher Hitchens considered it a personal goal to expose religion for its innate destructive aptitude, and the role of brainwashing in the worldwide community. So there is that.. but then on the other hand I believe it was Stephen Hawking who proposed that atheists call themselves “brights” to avoid the connection with the idea of a deity. I don’t think it has quite the same ring to it but it certainly presents a better connection of being intelligent which would be a step in a positive direction. I realize this kind of a loaded question. What do you think? by the way, it is not my intention to offend anyone or to come across as a troll. I hate trolls, i think they should be put i thunder dome an forced to fight to the death. thanks 🙂

or as the Republicans like to call it “they earned it”, they earned the right to reduce your wages and benefits while they take more and more and more and more until there is nothing more to take.