Monthly Archives: September 2012


After two years of what an employee believed to be selfless services,he felt bitter that he had not been given commendation,promoted or given a salary increase.So,he went to his human resources manager one morning to lodge a complaint.
The boss looked at him,laughed and bombarded him with questions:

MANAGER:How many days ar there in a year

MAN:365 days and at times 366.

MANAGER:How many hours make up a day?

MAN:24 hours
MANAGER:How long do you work in a day?

MAN:8am to 4pm(8 hours a day)

MANAGER:So,what fraction of the day do you work in hours?

MAN:(He did some arithemetic) 8/24 hours.i.e 1/3(one third).

MANAGER:That is nice of you! What is one-third of 366 days?

MAN:122 (1/3*366=122 in days)

MANAGER:Do you come to work on weekends?

MAN:No sir

MANAGER:How many days fall into weekend in a year?

MAN:There are 52 saturdays in 52 sundays.The total is 104 days

MANAGER:If you remove 104 days from 122 days,how many days do you now have?

MAN:18 days

MANAGER:Ok! I do give you two weeks of sick leave every year.Now,remove that 14 days from 18 days.How many days do you have remaining?

MAN:4 days

MANAGER:Do you work on New Year day?

MAN:No sir!

MANAGER:Do yo come to work on workers Day?

MAN:No sir!

MANAGER:So how many days left?

MAN:Two days sir.

MANAGER:Do you come to work during public Holidays?

MAN:no sir

MANAGER:So,how many days are left?

MAN:1 day sir.

MANAGER:do you work on christmans day?

MAN:No sir!

MANAGER:so how many days are left?

MAN:None sir!

MANAGER:So,what are you claiming?

MAN:Nothing sir,am now OK!.



6 Steps to Helping Your
Adult Children Financially

Every parent knows that our
care and concern for our
children doesn’t stop when
they hit adulthood. But most
of us are a little unclear on
how that care should play
out financially. Trying to
figure out when and how to
help adult children with
money problems can lead
parents into all kinds of
financial miscommunication
and conflict.
It doesn’t have to be that
way. While the best
approach for you will, of
course, depends on the
situation, there are 6
guidelines you need to keep
in mind as you make
financial decisions about
your adult children.
1. Know your child’s
You know
better than anyone that
each of your children is
unique. That means they will
each deal with money in
unique ways. So base your
decisions about helping your
child based on her Money

and her history
with money. We know a
couple whose son has a
long history of money
problems. He’s a Flyer
doesn’t think about money
or worry too much about
whether he has any. But
when he needs to repair his
car, guess who he calls?
Helping him out only
perpetuates this cycle. That’s
very different from a child
who is handles her money
well, but needs a one-time
loan to cover an
unexpected expense.

2. It’s okay not to play fair.
We also see a lot of couples
who feel like they need to
give all of their children the
same things–if one gets
money, they all get money.
But it really is okay to help
one child financially and not
another as long as you
have good reasons for
doing so. Naturally, you don’t
want to give or withhold
money to manipulate or
punish your children, but it’s
perfectly fine to say no to
one child and yes to
another. You can offer equal
amounts of love without
offering equal amounts of
financial assistance.

3. Respect each other. We’re
parents too and we know
someone’s always a softy
when it comes to the kids. If
one of you is more inclined
to help your child than they
other, work to find a
compromise–consider giving
a smaller loan or offering
other kinds of emotional
support. Recognize that you
both want the best for your
child and figure out how to
give her just that. And if
your partner says “no,” don’t
slip your child $100 the next
time she comes over for
dinner. Don’t let this decision
undermine your relationship
with your partner.

4. Don’t hurt yourselves to
take care of your kids.
see so many parents who
would rather decimate their
own resources than see
their kids struggle. But
giving away money when
you can’t afford it doesn’t
help anyone in the long run.
Protect yourselves-for your
sake and the sake of your

5. Decide if there will be
Most financial
transactions-especially those
between family members-
have some kind of strings
attached. If you are giving
money to your adult
children, be as clear as
humanly possible about
what you expect in return. If
you want to be paid back,
talk about a timeline and
possible interest. If you think
helping pay for a car means
you get to use it now and
then, work out an
arrangement that everyone
can agree to. If you hope for
more visits or phone calls or
meals together, say so.
Laying out all the
expectations on the front
end and avoid the strife
that comes with poor
financial communication.

6. If there are strings, get
them in writing.
everyone the drama of
miscommunication and hurt
feelings and write down
every nuance of your
agreement. No expectation
is too small. Sign it, have
your child sign it, and make
copies for both of you. If
you are expecting the loan
to be repaid, you might
want to consider filling out a
promissory note (you can
find a template on that serves
as a legally binding
With a little thought and
clear communication, you
can protect your family
from the kind of relational
damage only money

Easy. Safe. No risk.