Insurances are an important part of our  personal risk management.  We should know what we are insuring ourselves for and why.  We should know the exclusions in the policy and the process for making a claim.  Also, an all inclusive insurance policy may not be necessary, and excluding certain items may lower your premium without necessarily increasing your risks.  Also, you should take more than one policy quotation and compare the premiums and the benefits that different insurers offer.   

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You must have your own personal financial plan a have a disciplined approach to saving and investing your savings.  And you must understand what you are doing and invest only in products that you have researched and understand.  

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Its sad to see sports superstars who made millions during their careers but who then ended up bankrupt.  There are many reasons for this and many lessons to be learned from these stories.  There are many people out there who are waiting to take you for a ride, especially if you are rich, and one must learn and appreciate how to protect one's money.

Rich Dad Poor Dad is a book written by Robert Kiyosaki that was published in 1997.  Its quite a controversial book and one which I would recommend to any upcoming professional.  It teaches the difference between an asset and a liability and the importance of accumulating assets that generate passive income.

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Mr Arcad of ancient Babylon teaches us many lessons to set us on our way to becoming wealthy!

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Becoming part of an investor‘s club will increase your financial knowledge by leaps and bounds.  

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