Quote Originally Posted by oldblue
...this one I experienced years ago. I had a small business and it went so well for a period. in fact, I had every confidence in it and I started to become lax in management. Then the dreaded month came, business dropped to 30% average sales per day. sabi ko noon, if it drops below 40%, then I'll move. it dropped. almost simultaenously (in that same month) I received a letter of warning from a govt agency on some violation, a disgruntled employee who resigned but not without influencing my other employees' morale, and worst of all, my bank called and told me that somebody has duplicated my credit card and used my the maximum credit limit.

I was so down talaga. then on a dinner, I narrated my experience to my friends. One of them jokingly told me, "dapat kasi nag-reserve ka ng part ng kita mo sa charity" then tawa sila ng tawa. even if it was a joke, it struck me. never did forget what my friend told me ...
Naku, no offense sir oldblue, di karma yan. Tawag dyan complacency.