Training is not an expenditure, it is an investment! Many people does not realize this and refrain from Training. Abraham Lincoln said, “If I had eight hours’ time to chop down a tree, I would take six hours to SHARPEN my axe”. It is Human Capital who can build or Break a Company or Career. Everyone must keep a budget to ensure required Training to develop up to date Skill-Set. The difference in our country is vividly visible.