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I never knew an early-rising, hard-working, prudent man, careful of his earnings, and strictly honest who complained of bad luck.” Henry Ward Beacher “We must believe in luck. For how else can we explain the success of those we don’t like?” Jean Cocteau “Many an opportunity is lost because a man is out looking for four-leaf clovers.” Unknown Luck. Some hope for more of it. Some don’t believe in it. Some think that everyone but themselves are lucky. But can you create more of your own good luck in life? Here are a few timeless thoughts on that topic. 1. Work hard. Be proactive. “I’m a great believer in luck, and I find the harder I work, the more luck I have.” Thomas Jefferson “To hell with circumstances; I create opportunities.” Bruce Lee This is in my experience very true. The more I work, the more I take chances and am proactive in life the more times I tend to be lucky. Just sitting around and waiting for some good luck to land in your lap tends to be a pretty bad strategy. Creating...

In fact, in order to save yourself from paying too much income tax, you will need to increase your spending most of the time. Let’s break it down to two major categories – the first consists of strategies that won’t require extra spending, the latter consists of strategies that require you to spend more in order to save the amount of tax payable. Strategies that don’t require extra spending * Stop being employed * Start your own business * Become a business owner * Become an investor * Become a boss * Set up a company All the above methods give you a whole new perspective. Your income will be taxed differently. Most of your necessary expenses will be tax deductible. Just in case you are wondering what is the difference of all the above, they are actually the same. Businesses are being taxed differently by the government simply because they provide jobs to the people who like to be employed and pay more taxes. However, for personal income tax planning, there are ...