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What Is Moneymon·ey[muhn-ee] noun, plural mon·eys, mon·ies, adjective

noun

any circulating medium of exchange, including coins, paper money, and demand deposits.

paper money.

gold, silver, or other metal in pieces of con-venient form stamped by public authority and issued as a medium of exchange and measure of value.

any article or substance used as a medium of exchange, measure of wealth, or means of pay-ment, or checks.

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Money is among our most sacred things because it is actually a representation of life force itself. The key to understanding this is to take a step back and ask:

W h a t i s m o n e y r e a l l y ? H o w d o I g e t i t ? H o w d o I u s e i t ? A p a r t i c u l a r l y i n s i g h t f u l q u e s -t i o n t o a s k i s , H o w m u c h d o I m a k e ? ? I s i t g o o d o r b a d f o r m e ’ ? I s m o n e y e v e r y t h i n g ?

The list could go on as money is such a complicat-ed topic. There are many things way about money and not all of them can fir into this book. This book focuses more one the more personal feelings that money directly/indirectly evokes. This book will make you question the notion that ‘money is everything’.

Introduction

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CURRENCIES OF THE WORLD

Japa

n, Y

en

UK. P

ound

US, D

olla

r

Euro

pe.E

uro

Indi

a, R

upee

Kore

a,W

on

Laos

, Kip

s

Cost

a Ri

ca, C

olon

Swite

rland

, Fra

nc

Nig

eria

, Nai

ras

Man

golia

, Tug

riks

Ukra

ine,

Hry

vnia

Thai

land

, Bah

t

Turk

ey, L

iras

Sout

h Af

rica,

Ran

d

The Strength of CurrencyCurrency strength expresses the value of currency. For economists, it is often calculated as purchasing power,while for financial traders, it can be described as an indicator, reflecting many factors related to the currency; for example, fundamental data, overall

economic performance or interest rates. It can also be calculated from currency in relation to other currencies, usually using a pre-defined

Currency strength is calculated from the U.S. Dollar Index, which is used as a

reference for other currency indexes.

*Forex chart

currency basket. A typical example of this method is the U.S. Dollar Index. The current trend in currency strength indicators is to combine more currency indexes in order

to make forex movements easily visible.For the calculation of these kind of indexes, major

currencies are usually used because they represent up to 90% of the whole forex market volume.

The fact of the matter is that looking at a currency’s worth relative to that of another currency at a static point in time is meaningless.

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HISTORYPaper currency was first developed in China in the Tang Dynasty during the 7th century, and was later introduced in the Mongol Empire, Europe, and America. Paper money originated in two forms: drafts, which are receipts for value held on account, and “bills”, which were issued with a promise to convert at a later date.

The perception of banknotes as money has evolved over time. Originally, money was based on precious metals. Notes or bills were often referred to in 18th century novels and were often a key part of the plot such as a “note drawn by Lord X for £100 which becomes due in 3 months’ time”.

●POLYMERIn 1983, Costa Rica and Haiti issued the first Tyvek and the Isle of Man issued the first Bradvek polymer (or plastic) banknotes; these were printed by the American Banknote Company and developed by DuPont.

In 1988, Australia produced the first polymer banknote made from biaxially-oriented polypropylene (plastic), and in 1996 became

the first country to have a full set of circulating polymer banknotes of all denominations.

Polymer banknotes were developed to improve durability and prevent counterfeiting through incorporated security features, such as optically variable devices that are extremely difficult to reproduce.

The notes being used in Singapore are of a polymer

material

●PAPERMost banknotes are made from cotton paper. The cotton is sometimes mixed with textile fibres. Different from normal paper, it is much more resilient, resists wear and tear (the average life of a banknote is two years), and also does not contain. Unlike most printing and writing paper, banknote paper is infused with polyvinyl alcohol or gelatin to give it extra strength.

10 Singapore dollars polymer bank noteWhat is money

made of?

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The way we feel aboutMONEY.

Children Teenagers Young Adults Mature Adults

At this stage, kids are too young to understand the pros and cons of money. They look at it as nothing but an

object. That itself can be inspirational to adults.

In this point of thier lives, teenagers will begin to under-stand that money doesn’t come easy. They will start to ap-preciate money and realize that money doesn’t come easy.

Young adults will find that money can cause stress and many problems without proper financial management.

At this age they will probably be working and supporting themselves and maybe even their families.

At this age, mature adults would have probably already reached their retirement and may be survivng on

pension, savings or support from their children. By this time they will know that money has its ups and downs

and that not everything in life can be bought.

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MONEYHAPPY A look into the positive effects of money

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Does money make me happy?All in all, it was probably a mistake to look

for the answer to the eternal question ”Does money buy happiness?” from people who practice what’s called the dismal science.

For when economists tackled the question, they started from the observation that when people put something up for sale they try to get as much for it as they can,

and when people buy something they try to pay as little for it as they can. Both sides in the transaction, the economists noticed, are therefore behaving as if they would be more satisfied (happier, dare we say) if they wound up receiving more money (the seller) or holding on to more money (the buyer). Hence, more money must be better than less, and the only way more of something can be better than less of it is if it brings you greater contentment. The economists’ conclusion: the

more money you have, the happier you must be.Depressed debutantes, suicidal CEOs, miserable magnates and other unhappy rich folks aren’t the only ones giving the lie to this. “Psychologists have spent decades studying the relation between wealth and happiness“ and they have generally concluded that wealth increases human happiness when it lifts people out of abject poverty and into the middle class but that it does little to increase happiness thereafter.”

That flies in the face of intuition, not to mention economic theory. According to standard economics, the most important commodity you can buy with additional wealth is choice. If you have $20 in your pocket, you can decide between steak and peanut butter for dinner, but if you have only $1 you’d better hope you already have a jar of jelly at home. Additional wealth also lets you satisfy additional needs and wants, and the more of those you satisfy the happier you are supposed to be.

{ But people’s sense of well-being, as measured by surveys asking some variation of “Overall, how satisfied are you with your

life?,” has barely budged. }

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MONEYMONEYSADSAD

We all have financial problems

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THE NEGATIVE EFFECTS OF MONEY ON FAMILY

The family suffers when love is lost between husband and wife. The children, especially when they are young, usually suffer much in terms of the need for economic or financial support from parents. In some cases, the young adults will try to go their own way to satisfy their economic needs while the young will suffer in many ways. As marriage fails because of the evil effects of

money in our lives, some couples would continuously try to resist the situation but will always be subjected to the negative effects of the lack of money to provide for the basic necessities of the family.

THE NEGATIVE EFFECTS OF MONEY IN OUR SOCIETY

Some misguided elements in our society will try every imaginable means to make money at all cost. Some would engage in kidnapping, robbery or even killing just to satisfy the greed for money. Politicians will try to twist and circumvent the law to make quick money and perpetuate themselves in power.

THE RIGHT THING TO DO

The right thing to do perhaps is to give more emphasis on the emotional and spiritual components of marriage. Some of us would say that money, or the lack of it, is the primary reason for the breakdown of marriage in our society. Most of us, have realized that money alone cannot make the marriage work. We will all have to look at the little things in life and love that matters the most.

The down side of money

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Money cant buy eveything.Talk to a fireman and he will tell you that time after time, the things people run back into a blazing house for are not valuable (as far as other people are concerned). It’s not the big-screen TV or the gold Rolex. No, it’s the family photo albums, the teddy bear granny gave you 30 years ago, or the love letters from your sweetheart who is now your loving partner.

So really, what are the things in life that truly matter? What is it that we’re all searching for, and that no amount of money can buy?

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Sunset, sunriseAdmission is free to the most amazing light show on earth. Kindness.Random acts make the world go ‘round.These are the things that separate us from the animals. And perhaps best of all, it feels as good to give as it does to get. A library card.In a time where everything is revolved around the internet, take a break and pick up a book again. No reading material is more personal than a book.

Nature walks.Not only does research show that being outdoors lowers blood pressure and can zap your stress levels, but it just feels so dang good. Flirting. It doesn’t matter if it’s with your longtime sweetie pie, or the bright-eyed barista at your local coffee shop, the rush we get from a bit of witty, smiley banter is unmatched.

Time.Forget your Roth IRA and your 401k. Time is the most valu-able asset each of us has. How are you going to invest it?

Saying sorry and forgivingYou get to put down that very heavy load of resentment you’ve been hauling around. Family.They drive us nuts from time to time, but the sense of com-munity that comes from being part of this unit is deep.e come from somewhere; these people love us.

Silence and solitude.You can’t turn off the world, but those gem-like moments when things get quiet, or you find yourself blissfully alone make the wait worth it. Old friends. They take your phone calls at 2AM, give you thosewipe-the-tears-away laughs, and keep all your secrets under lock and key.

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10 THINGS THAT MONEY CANT BUY

Obviously, there’s a world of free,

meaningful pleasures out there.

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Asians believe in many different types of ways to improve thier fortune. Each culture has thier own ways of doing so. In the next few pages we will take a look at some of them

Money in Asian Culture

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In regards to the Chinese culture, there are several signs of lucky and unluckiness that can be explored. Whether it is the sort of color clothing you choose to wear or if you pay attention to the significance of numbers, you will find a variety of superstitions that deal with luck, good fortune or lack thereof. When it comes to Feng Shui, you will find that there are some decisions that can prove luckier than others. For example, the number of steps in a staircase can actually prove lucky. There should be an even amount of steps to reap the benefits.

When you are looking for the luckiest number, eight is seen as one of the best because it stands for prosperity. Four is considered the unluckiest number because it sounds like the word that the Chinese use to signify death. Seven may be lucky in other cultures, this is considered an unlucky number within the Chinese culture. As for the number nine, this is seen as a nice number because it sounds like the Cantonese word meaning sufficient.

Maneki Neko

* Transalated Chinese Proverb

Laughing Buddha

A man without a smiling face must

not open shop.

Money in Chinese Culture

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Money in Hindu CultureAs the Hindu Goddess of Good Fortune and Beauty, she represents and is seen as the personification of abundance, prosperity, wealth, well-being and harmony. She is actively worshiped daily by millions of Hindus, and interfaith practitioners of Goddess spirituality, around the globe. Because of her popularity she is considered a universal Goddess. Yet Deepvali is her special holiday because it is a holiday of lights, and represents a sweet, soulful and prosperous time when people dress up and celebrate in the name of the Goddess of Fortune.

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Money in Japanese CultureJapanese cat symbol

One of the most famous good luck symbols is that of the beckoning cat. This is one of those symbols that are taken very seriously even today. You will find many Japanese people to have the beckoning cat in some form or the other in their shops and restaurants. This particular symbol has many variations. The most popular of those is the one where the cat has one forepaw raised. If the left paw is raised then it is meant to attract the customers whereas the right paw brings in the flow of money.

Daruma dolls

Daruma dolls are yet another popular good luck symbol from Japan. The Japanese believe that Daruma dolls are meant to give you hope and optimism along with bringing in the good luck. The traditional way is to paint in one of the eyes with a black pen and then make a wish. Children hoping to pass their exams often use these dolls in Japan. The construction of daruma dolls is such that they are weighted at the bottom hence when you push them they come right back up.

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SO IS MONEY EVERYTHING?On one hand, Money can prevent the sufferings that come with poverty, while sickness can not be totally obliterated by money, it can be considerably relieved by it. Generating wealth and Giving away money to charity can also provide us with the satisfaction of relieving others from suffering.

With money, we can obtain an advanced education that may aid us in the development of genius and extraordinary achievements. It gives us the leisure to devote a part of our time to culture and art.

However many of us strongly feel that money is not indeed everything. There is more to life than money as money is just a resource. The little things as mentioned earlier in this book are simple yet so special and money can not buy them, Here are some answers from a survey which asked, “Is money everything?”

Living life is everything and money is a part of that. Doing things for the right reasons is everything. But should you do things for the

wrong reasons, you will not have a good time. Money will follow if you do things for the right reasons. It is a default to living correctly. But

if money is all you are after, you will either get it at an expensive price for example health, or, you just may never get it. So keep your

inentions honorable and do what you have to do to get what you want but always for the rigth

reasons and money will find it’s way to you.

Some will say money isn’t everything, in fact many will say money isn’t everything, but I’ve

came up from having nothing, when I say “nothing” I meant lint in my pockets slept under

a bridge nothing, now I have 3 house and two businesses, I will tell you from my heart, Money keeps the world turning, I don’t care

what others say, if they really believe money is nothing I want those people to give everything they have away, go homeless maybe then they will tell you the truth. The World Is Yours when

you have money

IntroCurrency Material The way money makes us feelMoney can’t buy everythingMoney in asian culture

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CONTENTS