It seems like an obvious thing to say "be ethical, be honest" and yet there are so many people and so many companies out there that are not. Some make money, some don't. But in the long run, there is no other way to run a sustainable business without these qualities.

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This is my last update on my much discussed foreign real estate investment. The final return on this investment is now about 33%.

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In this blog, we've been talking about investing and getting a return on your investment. However, as most readers tell me, besides being investors, they are also salaried workers. Do the same principles of investment apply to salaried workers? But of course.

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Investing and accounting books everywhere say that too much debt is bad. One can resonate with this mantra. After all, debt holders are the real owners. They are the ones who dictate the terms of the loan and how the loan will be paid back. Many loans even have special clauses that force payback if certain ratios exceed given thresholds -- that is, exactly when the situation is bad for the company. In other words, debt holders are those who lend you an umbrella when it's shining but demand it back the moment the rain shows up on the horizon.

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