Always consider if a problematic employee still adds real value to the organization. Sometimes they subtract more than they add, and liabilities should be let go.
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Creativity is often thought of as creating something unique. But, most of what we experience as "new" is simply old stuff presented in fresh or unexpected ways.
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10 of 10 rule states that one should not spend more than 10% of its net worth on house and not to spend more than 10% of its house value on cars like liabilities. If this is followed by person then he/she will probably not face any money problems.
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