I am visualizing the scene. I am sitting in a restaurant with my husband and my two kids. The waiter comes and says, "Are you ready to order?" My response, "Give us a moment, please. We are discussing the dessert options." Waiter: Okay. Please take your time. Me: Okay. Bring us one plate Shahi Paneer, One Daal Makhani, two lachcha parathas, three butter naans, Raita and salad. And don't forget to bring the butterscotch ice-cream after we finish the food. How much time it will take? Waiter: 10 mins mam. Me: Okay. Thank you. 🙏🏻 Thanks.

I opened my front door this morning and couldn't believe what I saw a monkey 🐵 with her small kid. I could see both of them destroying aloe vera plants. I tried to send them away with my wiper. Then something impossible happened. The mother monkey spoke, "Excuse me! Keep this silly thing away from me. It can hurt me. If you really want us to then give some banana to us." I was like, 😲"how could it speak?" "With our mouth, using our tongue." I got an instant answer from her baby. I gave them banana. Then I got the second shock. The mother said, "Thank you! We will be back tomorrow. Keep another banana ready.😜" I hope it is good.😂😂😂

Today, I read page 188. Here is the summary: The author described that he borrowed $2000 from his friend for 90 days at a cost of $200. He paid this amount as a down payment for a house. The author bought the house for $20,000. He got a buyer, and he asked the buyer that he didn't need to pay the down payment. He had to pay the processing fee only, i.e., $2500. The buyer happily gave this money to the author. The house was sold for $60,000. The buyer signed and handed over a promissory note of $60000 to the author. Out of the $2500 that was given by the buyer, the author paid $2200 to his friend. He still left $300 in his pocket. This is the first earning from the sale. Further, the promissory note was decided at 10% interest. The amount of $20,000 was a mortgage for the author, but he built an asset of $40,000 with that amount. He was earning $4000 a year as interest on a promissory note. This was the second earning from the same house sale. The author and his wife were able to do six sales during that time. They create assets worth $190,000, and they were earning $19,000 as interest from these assets. But they didn't do it in their own name. They did it on the name of their corporation. In this way, $19,000 was not taxed at first. Before tax, many of their corporation expenses, like car, gas, travel, eating with clients, etc., were paid out of this money, and taxes were applied to the remaining part. Further, the author asked two questions: How long would it take to save 190,000? Would the bank pay you 10% interest on your money? Continued... Reflection: First, I want to answer the author's two questions. For sure, to save such a big amount of money, it takes many years. Of course, no bank pays such a big interest. This game is really interesting. The author earned such a huge amount without spending a penny. Although his liabilities increased by $20,000, his assets increased by $40,000. The assets are earning interest to pay the interest on the mortgage. Thank you.

Today, I read pages 189 and 190. Here is the summary: On these pages, the author emphasized that a promissory note for 30 years is good. The earning $19,000 per year would turn into a little over $500,000 in 30 years. Some people asked the author what if the buyer didn't pay. The author called it good news, and he explained why he thought so. He wished that they didn't pay. Because if they had paid, he would have been taxed for that principal amount. But if they didn't, he would get the house back. He earned from interest, and now he had the same house for reselling. The down payment had already been done for the house, so it would not cost him anything. He would ask for a $2500 processing fee from the new buyer. And the money he paid for the down payment would be back in his pocket. Because the property rate would have already increased, he could sell the same $60,000 house for $70,000 now. For new buyers also, it is no down payment deal. Further, the author pointed out that at the first time sale of the house, he earned a decent amount with zero investment, so his ROI was infinite. It is called making a lot of money from zero money. Then, the author compared his earnings with the person who saved $100 a month. He would be taxed first for his job income, then somehow he would save, and it would take a lot of time. Moreover, he would have to pay taxes on interest that he earned from the bank. This process is safe but not smart. Further, the author talked about the time after a few years. Till then, that $60,000 house became $110,000. The number of people who defaulted on paying their mortgage was rare. Those cheap houses available at a cheap price were hard to find. It would take a lot of effort and time. Because that strategy became time-consuming and competitive, it was good for a smart investor to move on and look for new opportunities. Continued... Thank you.

I am learning English so that I can communicate with non-Hindi speakers. Thanks 🙏🏻

@Joan Hartwig thank you teacher.🙏🏻 I want to communicate confidently in such a situation when a person who doesn't speak Hindi and he asks me about my country, famous food, famous places to visit or direction to a particular place. I want to reply him without becoming nervous.

I choose the second option. How do I stop being nervous? Whenever I try to speak in English I become nervous. I tried to complete my ideas as soon as possible and this increases my speaking speed. I also forget some good points that I want to mention. Sometimes it can be sell in my voice also because it shivers sometimes.😟 Thanks 🙏🏻

@Joan Hartwig Thank you for the tips teacher. I appreciate it a lot. 🙏🏻