Be Economical: Quod erat demonstrandum.

Ladies & Gentlemen,

There are loads of life-hacks and tricks in life we can simply gain insight by showing interest in calculating numbers. The other day, when I had a round of golf with some of my friends, it has been "stressed out" that I would be a moving "calculator". Truth to be told, yes, all day and night long I simply carry numbers in my head.

Carrying a ledgers in my head, what was to be demonstrated:

Sometimes I wake up - right in the middle of the night - and numbers, out of a sudden- are flying all around my head. When turning over to the alarm-clock, it is rather shocking that it is - most of the time- just 3.00am and time to actually get started with my day.

The other day, when I was about to switch on the bed-light:

• when I started to calculated the average power consumption of a "Compact Fluorescent Light"
• Labelled with 15 Watts, the per 10 min consumption (Pt calculated from label)
• Would be 2.5 Wh / or 15 Wh for the 60 minutes hour.
• And to be honest, switching on the light, right in the middle of the light can feel like a hammer into a face, so it would be better to just save the light / keep it dark and walk into the kitchen all by myself, without any distractions, such as a "15 Wh light pulp".

Life on Sailing Boat: Power and Water Consumption:

• Somehow, over the years I still calculate the water and power consumption, based on the limited resources available on a boat.
• This is for having been on a sailing boat for several years over spring, summer, where water, electricity and hot water are being used with caution.
• Since than I realized that a normal house-hold with 4 people usually can survive with around 400 liter of water for a week, a Yanmar in-built- "Turbo-Diesel-Water Cooled Engine" with just 68.2 horse-power could actually carry a 11 thousand kilogram yacht, by only having over 200 liters of Diesel available.
• Most of the time when I am asking folks whether they are in the know of how many horsepower would be required to carry a 11.300 kg yacht, most of them would actually mention that it would be around 1000-5000 horsepower required instead.
• Until now, even I am back on land I can still see myself being in love with this process to save power and energy, day after day, after day, and even in hotel rooms, meeting rooms, or at home, I am still calculating those numbers and appreciate how precious, water, power, petrol actually can be.
• Speaking about petrol, it is so precious too, that I will and always try to
• drive as economical as possible, e.g. driving on high gear, putting the shift on Neutral (N) just to keep roll to the next upcoming red-traffic-light indeed.
• This is definitely not about being lack of money, it is definitely just a habit that I am used to when being on a sailing boat with limited resources.

Life-Hacks / Mathematical Skills of High Importance:

• The other day I did write and mention the way to getting the very best out of your credit card and money that is supposed to work for you, not you are supposed to work for money.
• What kind of credit card you are choosing should definitely be something you will be a hundred percent on control of, you will have to be willing to play between your brain and your soul, sometimes I will have to listen to our soul and don't just accept what others are trying to sell to us.
• Walking into a bank, asking for a credit card is something we have decided to do, however, when we spend money we will always remember the struggle we had or will have to pay our dues.
• Especially when we are going through hard-times, credit cards not only offer us this most unique option to spend now and pay later, there is so much to do and so much more that is being offered, for our advantage, for the users' advantage.
• The consumer has to right to pick the right card and not was is being offered, but the hour is now to use a credit card as a game changer and to take control of those credit card benefit opportunities.
• Ask yourself what do you really want, and what you are interested in. There are some cards that will give you advantages for aviation and travel, some are just for hotels, some there are even some for supermarkets and shopping, everything is possible, but you will have to spend an hour or two just to check around and to also see what are those terms and conditions of use are.
• Some people have fear and they are truly afraid of using a credit card for their benefits, and not many people are willing to face their fare and start taking the first step for being in control of their finances, and they believe that they will never get over their anxiety for paying their credit card bills within the allocate time.

Supermarket Cash-Back Option, now we can buy whatever we want to:

• Have you ever been to a supermarket, wandering around a few items, such a: Caviar, Red-Bull, that imported Porterhouse / T-Bone Steaks, not willing to take the next step to just go for it, based on the price, keeping this purchase for a special occasion.

Since I have come across a "Supermarket" credit card, I realized that "Albert Einstein" is the person that has encouraged me to get such.

1. He once said that "we cannot solve our problems with the same thinking", "the thinking we use when we have created such, the thinking the beliefs, the mindset, that got us here in the same place, this is not good enough to take us here."
2. If we want better in life, the choices must be better, if we want to get what we want and our finances are limited, we have to consume better to be better and it is not okay to stand still and give up.
3. If I want to have products such as caviar, fancy steaks, or a pack of Red-Bull (items that are rather costly) I will find a way to get such and dig deeper in my soul.
4. I committed to take our a pen and paper and started to do the Math, self-awareness is always the very and best way to succeed and to improve.
5. Better never comes form blaming the price for not buying the goods that you wish to have, and Mathematics can support us to get a price, the product that comes from growth.
6. Credit card choices must be better, otherwise we cannot consumer better, no matter it is an airline ticket, a hotel room, or even products in the supermarket.

• Since I got this new credit card that offers over 4 % on fuel spends / as well as 2 % on utility bills, I have managed to create a new concept and idea of living a better life with simply consuming more and better products that I used to.
• Since I own several properties in Dubai, I have simply encouraged my tenants to letting me pay for their utility bills and they have the option to re-reimburse me such in the common following month instead.
• Which is actually great, I can get two-percent as a cashback, which can also be used in the supermarket.

• In addition to that 7% cash-back are being offered while doing in-store-purchases of Lulu market as well.
• As it can be seen on the left-hand-side, it is easy to accumulate cash-back within just a couple of days in fact. This is it for supermarket spending made easy.

Marriott BonVoy Credit Card / All You Can Eat / Drink with Titanium Status:

• Although I still got 2-4 complimentary nights available on my Marriott Titanium Elite account, I need to stress out the numbers on the left hand side.
• As it can be seen, the total spending for 2021 has been US$ 3,155.00 / while staying 135 nights, which makes US$ 23.37 per night in Marriott Hotels.
• Some people would believe that spending over three thousand K on rooms would be "expensive", however, do consider that when applying their credit card it is easy to reach Platinum / or even Titanium Status, which offers
• FREE Breakfast, Afternoon Tea as well as "Happy Hour", which is not only unlimited food and beverages, but it also includes room-upgrades to suites. Some will also not understand the meaning of a "Happy Hour" or "After-Noon-Tea", it actually includes free flow of drinks and soft drinks, as well as food. Most of the time it is pretty much like a buffet and while doing the Math, you will understand that US$ 23.37 on average is pretty decent.

Do consider that while swiping your Marriott Credit Card:

• you will not only accumulate Hotel Points, but also
• earn additional points while dining in, booking your room,
• and will also earn points for daily spending, such as any online or offline spending you can ever think of.

• Every credit card is purposeful and I realized that there is gap, of awareness of what you want to do and where you want to be.
• Using and designing your spending habits, and the acceptance of this awareness will connect the bridged.
• What would you like to do? Would you like to have all you can eat / drink / in a hotel room or would you like to have access to a supermarket?
• What price are you willing to pay if you want to actually walk into a supermarket or hotel without a credit card.
• I realized that I am fully aware of my "why" and do decide what I am connected to, to people, places and the purpose of how to make and get the most out of your life.

How to spend, drawing up a plan:

• For the purchase of petrol / utility bill payments I will use the very first Supermarket Card and all other spending (Lulu Platinum MasterCard)

• I will use the Marriott BonVoy World MasterCard for all other spending, just for getting the most out of staying for free in hotel rooms, and to ensure to have more than enough to eat.
• Eating too much will definitely be an encouragement to keep going to the gym and to use those fancy Marriott Hotel Buffets, unlimited free flow of drinks / soft-drinks to build muscles and boost the metabolism.

What drives to apply for a credit card in the first place?

• To be honest I did apply two credit cards - as of now- so I will be able to play (four times a month) complimentary golf.
• When calculating the numbers and by doing the Math, I realized that applying a credit card - when no minimum spending is required- actually can let me even go for a few rounds a golf, every month.

We cannot stop living and cannot stop fighting, but you have to understand that yesterday, today and tomorrow are in different universes, and the only universe right now, we live in, is right now. And some things you can definitely benefit from are easier to get than you think it is.

There are a lot of negative people in this world right now that are naysayers when it comes to credit cards, and yet, there are a lot of people that actually can make peace with credit cards and to let them work out for you.

Be the very best that you can be, make the best out of your life: life is so short and it is and would be a waste of time and energy to only do your purchases with a debit card.

Thank you for your prompt attention to this matter. 

If there are any questions that may arise in the meantime, please feel so free to contact me directly at (86-21) 6157 4954 or drop me an email to max (at) prscenterprises (dot) com. 

Kind regards from the very city centre of Shanghai, The People’s Republic of China,

Max

Maximilian-Alexander Agostini

PRSC APAC Procurement Team a division of People's Republic Sourcing Channel Limited Corp.

Chief Executive Officer

 People's Republic Sourcing Channel Limited (Shanghai, CN)

People's Republic Sourcing Channel Limited (Beijing, CN)

People's Republic Sourcing Channel Limited (Dubai, UAE)