SingaLautMetrO: DUKACITA SEORANG MELAYU MISKIN: BAHASA DUKANYA MEN...

SingaLautMetrO: DUKACITA SEORANG MELAYU MISKIN: BAHASA DUKANYA MEN...: "Bang...sardin tin besar ni minggu dulu hargnya RM5.70, tapi sekarang dah RM6.20!" dia meletakkan semula tin sardin jenama popular di rak se...

PEOPLE DIE DUE TO STRESS

http://xperienceoflife.blogspot.com/2011/11/people-die-due-to-stress.html

This  is an email I receive and "I would like to share with you an actual but very sad occurrence which I hope may get you to ponder over what constitutes anxieties, extremities and unnecessary over reactions. A long story... but worth reading for lessons learned.... you may want to pass on to others.

One of my friend's father who is a retiree in his mid-60s, is perfectly healthy looking and behaving normal, plays his round of golf each Sunday, does a fair bit of gardening, keeps himself busy the rest of his time helping his son's (my friend's) little retail business, and goes on

tour/trips every now and then .....

He was persuaded by his daughters and other well wishers to go for His medical checkup which he had last done before retirement some 10 years ago. He didn't see the need to do it as he was feeling perfectly ok and healthy. Of course he didn't want to spend the money. After persistent persuasion from his family he finally gave in (his daughters agreed to foot the bill).

First his blood test revealed a total cholesterol count well above the 5.2 threshold (in fact close to 6). The doctor advised that he went for his stressed ECG test.

Again he had to be persistently persuaded to go thru that test, which he did. And it revealed some abnormality with his heart.

Now the doctor advised that he went thru angiogram. He resisted again and again after much pestering he subscribed to that invasive test.....which revealed three (3) blockages in his heart. And the doctor advised he went thru angioplasty.

This time he was adamant not to go any further. But it was like the end of the world for his family members who were all highly educated people with learned common sense. They went thru the highest mountains and deepest oceans to convince the old man to go thru angioplasty.

The surgery was successful. And he was given a clean bill of health. His heart is revitalized and cleared of all blockages. After returning Home from the hospital, his family (especially his daughters) put him on a "healthy" diet. Strictly no meat...only vegetables and fruits, with perhaps

an occasional dish of steamed fish... no oil.

The result.... the poor old man became weaker, couldn't drive his golf ball the distance he used to, got tired easily when he did his gardening, lost a lot of weight (which everyone was happy because they see him getting healthier that way), went to bed unusually early ('cause he got tired

sitting up late watching the sports channels).... in a nutshell he actually got weaker and probably suffering from mal-nutrition!

Hardly 2 months after the angioplasty he passed away, supposedly from Heart complications.. All of a sudden, a few family doctor friends were able to offer explanations. One of them had this to say...

Heart blockages do not happen over-night. They are built up of time. And the body has somehow gotten used to the blockages. As long as the effects of the blockages are not life threatening, it may be best leaving them alone. Maybe it is better not to know about this. For most men at that advanced age already have blockages, some may be even worse. Not knowing it has one clear advantage. There won't be any STRESS imposed on the person.

And STRESS is the killer.

Some may not respond well with angioplasty. With the heart cleared of its blockages, the blood flow will be unrestricted. And sometimes the body (even the heart may not be used to this new revitalized condition) may not know how to cope with it quick enough. Coupled with a "healthy" diet of just fruits and vegetables which are not the usual and normal intake of this person, may and can do further damage.

So it's a combination of all these that could have killed this poor old man who was, just 2 months ago, a healthy bubbly man living a perfectly normal STRESS FREE retired life.

Today my friend and his siblings all regretted what they had done to their father.

Moral of the story is not to be extreme and take everything in life in its stride and with moderation.

One more thing.... my family doctor, age late 40s, hardly takes meat, a good sportsman, has a total cholesterol count of 6.

Some times it's in the genes. Like my 99 year-old mother-in-law who lives by herself, does her own marketing, cooks her own food, never eats any meat that is not fat all her life, hates lean meat, cholesterol so high ......and she is still kicking and so mentally alert. One thing....she's got

NO STRESS.

She only gives STRESS to all others around her. That's probably why she's living alone by herself.

So my friends... Don't get paranoid and stressed up for nothing!!! "

masterwordsmith-unplugged: Life Can Begin at 50/60 or 70/80

masterwordsmith-unplugged: Life Can Begin at 50/60 or 70/80: Thanks to reader SKT who sent me the following post which came at the right time, just when I feel quite blue about life, especially with th...

Act like a pro

What would you do if you knew you were going to get paid a large chunk of cash—up front, without any pre-conditions—to do something?

What would you do? How would you act? If it was something totally in the realm of your capabilities you’d get to work on it right away, right? You’d put in your best effort showcasing your greatest skills knowing that you were fluent in the information being asked for and sure that you would deliver a top notch product.

In other words, you would act like a pro.

So, what’s stopping you?

What’s stopping you, right now, from acting like an expert in your field? Everyone has something they can talk about naturally and authoritatively. Your gifts that only you possess is your uniqueness. Since you’re not like any other and no one else can be you; you have singular talents that you can share with the world that other people can benefit from.

If you’re an authority in an area you can start acting like one now. Your knowledge is desired by your community—or your tribe—even if you haven’t been acknowledged or paid for it yet.

I’m not talking of going around acting all cocky like a know-it-all. I’m telling you to hone in on what it is about you that, for instance, makes your friends be your friends. What keeps them coming back? What is it about you that makes you stand out?

That is your mojo—your gift that is golden. Tap into that, work it, develop it, and it can be your lifeblood, your golden ticket. That’s your genius spot, not like any one else’s, and you’re crazily selfish not to use it to your advantage to help yourself and, in turn, to help others.

Because I guarantee you, there are people out there that would kill for your particular gift. They’re waiting to hear from you. Oh, and they will also pay you for it.

So, let’s re-cap:

1. Act like a pro now.
2. Ask your friends what it is about you that brings them back for more.
3. Develop that and market that in yourself.
4. Help yourself.
5. And by helping yourself, help others as well.
6. Become a PAID expert in your field.

So … what is your unique gift that you’ve been hiding under a bushel basket? Have you dug deep to find it out? Ask your friends. They may have a surprising answer for you. And, leave me a comment below to tell me what it is!

http://www.problogger.net/archives/2011/11/21/act-like-a-pro/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+ProbloggerHelpingBloggersEarnMoney+%28ProBlogger%3A+Helping+Bloggers+Earn+Money%29

LESSONS FOR TODAY

Hi Friend,

Victor Frankl once wrote, "Everything can be taken from a person but one thing: the last of human freedoms - to choose one's attitudes in any given set of circumstances, to choose one's own way." Frankl was right. Attitude is a choice. You could be faced with a thousand problems, many or most over which you have absolutely no control. However, there is always one thing you are in complete and absolute control of and that is your own attitude.

When you surrender control of your attitude to what appears to be a negative situation, you will react to that situation. More often than not, reacting is inappropriate. On the other hand, if you were to remain objective, you would respond to the situation appropriately, thereby creating a winning situation.

If attitude is such an important word, why do so few people understand it? To be honest, it wasn't until I was in my late 20s when I finally understood its full impact. All through my teens and into my early adult life, I can't tell you the number of times that I heard, "Bob, if you'd just change your attitude, you would do a lot better." In retrospect I can easily see the cause of my problem. I didn't know what attitude was, let alone know how to change it!

Attitude is the composite of your thoughts, feelings and actions. Your conscious mind controls feeling and ultimately dictates whether your feelings will be positive or negative by your choice of thoughts, then your body displays those choices through action and behavior.

Attitude is actually a creative cycle that begins with your choice of thoughts. You do choose your thoughts and that choice is where your attitude originates. As you internalize ideas or become emotionally involved with your thoughts, you create the second stage in forming an attitude; you move your entire being - mind and body - into a new "vibration." Your conscious awareness of this vibration is referred to as "feeling".Your feelings are then expressed in actions or behaviors that produce the various results in your life.

Positive results are always the effect of a positive attitude. Attitude and results are inseparable. They follow one another like night follows day. What I mean by that is: one is the cause, the other, the result. There is a term we use to distinguish this "cause and effect" relationship, it is called The Law of Cause and Effect. Simply stated, if you think in negative terms, you will get negative results; if you think in positive terms you will achieve positive results. Ralph Waldo Emerson reiterated that same point when he said, "A person is what they think about all day long." The results you achieve in life are nothing more than an expression of your thoughts, feelings, and actions. Take a close look at your life and evaluate the results you are achieving in various areas. See if you are able to relate your attitude to your results.

Winning and losing are opposite sides of the same coin - and that coin is attitude. There are many things wrong in this world; unfortunately that is all some people are able to see. Those who view the world in this light are often unhappy and somewhat cynical. Usually, their life is one of lack and limitation and it almost appears as if they move from one bad experience to another. I know people who are like this and I'm certain you do as well. It would appear as if they were born with a streak of bad luck and it has followed them around their whole life. These individuals are quick to blame circumstances or other people for their problems, rather than accepting responsibility for their life and their attitude.

Conversely, there are others who are forever winning and living the good life. They are the real movers and shakers who make things happen. They seem to go from one major accomplishment to another. They're in control of their life; they know where they are going and know they will get there. They are the real winners in life and their wins are a matter of choice.

You can experience that kind of life as well, you only need to decide. Making that simple decision is the first step to a new life. Dorothea Brand once said, "Act as if it were impossible to fail," and I challenge you to do so. By simply becoming aware that you can choose your thoughts each and every day, you will change your entire outlook. You have the power to choose an abundant life no matter your circumstances. That active choice will allow other positive people and opportunities to be attracted into your life. Don't wait to experience all the wonderful things the universe has in store for you. Start today by working on your attitude and welcome the abundant life that you were meant to lead.

To your success,
Bob Proctor

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SOURCE: FROM STANLEY NGU
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keys-to-being-a-millionaire-really

http://www.makalvoice.com/business-information/keys-to-being-a-millionaire-really.html

There are thousands of ways to be a millionaire but none of them is very easy to say. But if you follow the steps taught in this article is very likely that within a few years you become a millionaire.

Throughout my life, studying, analyzing and reading books I have concluded that the millionaires have achieved their financial success by following some basic keys.

I have come to the conclusion that much money a person can have is very similar to any of us, with their fears and weaknesses, they also worry about their health and safety of their children, as we do.

Based on this idea, we can infer that anyone who really intends it can become a millionaire.

Keys to be really Millionaire:

*  You should not work for anyone but yourself.
Have you ever considered that could be a serious mistake to work for someone else? Think about this: Having a job you feed many people, not just yourself or your family.
*  Be sure you really want to be a millionaire.
Why You Want to Be a Millionaire? Most people would like to be a millionaire, but are not willing to do so. If you really want to be a millionaire, you must convince yourself and sacrifice everything to achieve that goal.
* Maximize your earning power
The more money you make faster you will become a millionaire. If your source of income is not so good, it’s time to think up your own company.
* Spend less and live longer
No matter how much money you earn per month if you spend too much money. Buy many luxuries, a house or a new car just gives you a false illusion of what being a millionaire, but the reality is that you’re not.
The millionaires are sacrificed and invested everything they can to start and stop the luxuries to go.

*  Invest!
The purpose of saving your money is invested and profit. To grow the money you have to use it and take risks. If you already have saved a lot of money ready to invest, the way to being a millionaire is much easier.
*  Do not give up.
Go ahead with your plan and persevere. You fail again and again, but success may be just around the corner.

“The bitter taste of defeat only serves to sweeten more success”

To conclude this article, I want to say that money is not everything, also devotes time to find a good woman and marry her and this is perhaps the greatest source of happiness that a man can get.

Jutawan Pada Nilai Bersih Harta bukan Jumlah Wang Tunai

Jutawan Pada Nilai Bersih Harta bukan Jumlah Wang Tunai

Dah lama tak bersurah pasal bab jutawan (perkataan jutawan memang catchy bukan?), well here goes another millionaire entry. Sebenarnya nilai Sejuta adalah dikira dari nilai bersih harta, bukannya jumlah wang tunai. Tak ramai org simpan jumlah wang tunai rm1 juta, tapi bila diambil kira nilai bersih harta, maka seseorang tu dah bergelar jutawan.

Nilai aset bersih ataupun  Net Worth tu apa matjoe?
Semudah ASET semasa - (tolak) LIABILITY ataupun hutang 

Ni aku sertakan contoh Aset bersih  harta seseorang itu.
Senaraikan nilai ASET
asb = 200k
rumah a = 100k
rumah b = 125k
rumah c = 250k
rumah d = 100k
unit trust = 25k
kereta = 30k
EPF = 60k
Jumlah aset = 890k
Senaraikan Liability ataupun hutang
Overdraft ASB = rm125k
baki hutang rumah a = 70k
baki hutang rumah b = 90k
baki hutang rumah c = 160k
baki hutang rumah d = 70k
baki hutang kereta = 20k
Jumlah Liability = 535k

So networth = 890k - 535k = 355k

So sekarang ni, dalam contoh ni, masih 1/3 jutawan lah, kene gather lagi 2/3 utk jadi jutawan. So pengajaran kt sini, jutawan adalah dinilai padanilai bersih harta

http://www.matjoe.com/2010/11/jutawan-pada-nilai-bersih-harta-bukan.html

Aku Seadanya: Menjadi Jutawan Yang Hidup Sederhana

Aku Seadanya: Menjadi Jutawan Yang Hidup Sederhana: Baru sebentar tadi baru balik dari berjumpa KawanKu dan CikBi, tapi aku yang terpaksa membelanjai dia. Yuran semester baru untuk dua orang d...

Prudence and wisdom

http://hsudarren.wordpress.com/2011/11/03/prudence-and-wisdom/

Imagine 2 persons  who are middle income earners. Let us assume that both earn about the same pay. Both are staying in their own houses passed down from their parents.

One of them, let me called him A,  is prudent. He maintains a simple lifestyle, employs only a maid, does not spend on luxurious goods, and saves up most of his income. With his savings, he bought another house with a bank loan, and rents out that house, using the rent to pay the instalments for the bank loan. Whatever he saves goes to help paying the mortgage too.  In a few years time, he sold the property and use the proceeds earned to buy 2 separate properties, again with bank loans, again renting them out, again using the rentals to pay for the instalments.

In time, he will be a proud  owner of many properties, and with most properties paid off, he is now considered a very rich man.

The other person, let’s call him B,  started off with the same income. He is even more  fortunate, for one day, when he as digging in the garden of his ancestral home, he found a big box of gold bunions.

Instead of using his fortune to invest like A above, he employs a driver, 3 maids, 3 gardeners, a cook, 2 cleaners, a nanny, 2 guards. Most of these staff are redunctant, and most spend the days chatting instead of doing work.

Using his bunions as collateral, he borrows from various banks and has many credit cards. Because his lifestyle is so luxurious, his income cannot sustain him, and what sustains his lifestyle is the borrowings. One day, when he finds his income unable to pay the interest of the loans, he has no choice but to  mortgage his own house for more funds just to service the previous loans. That is actually the point of no return. Once his income cannot service his loan, and he has to use fresh loan to cover the interest of his existing loans, he has already cross the line to bankruptcy.

The above is actually happening everyday. Even among the younger generations, many have become bankrupt because of borrowings that they are unable to service.

Borrowings can be good if it helps to increase income. Borrowings are bad if it is merely use for operational costs, like keeping a huge staff that is many times above what is needed for the same productivity. The examples of A and B are clear illustrations.

Extrapolate the above to nations, and we will understand why some nations which have big borrowings but still manage to get richer and richer, and others which are collapsing under the huge borrowings that they have accumulated over the years.

Our country too has debts which is now about 53% of our GDP. If these debts are used to generate income that can be more than the   interest, then we should be able to reduce the borrowings in future, and at the same time, progress  faster than if we just use our own funds..

However, if the borrowings are used to service operational costs, a big part of which goes to pay  remuneration of our civil service and servicing interest payments, then we must start thinking of more prudent ways of managing our spending.

We have not reached the point of no return yet. But at 53% of our GDP and with sluggish economy growth of around 3-4% next year (this is my estimate, but it can go lower in view of the uncertainty in the West), we must start planning to reduce our debts. We can easily start  that by reining in our wastage and leakage; we can actually see how our funds are wasted looking at Auditor General’s report. A few years ago, an international renown financial house estimated our leakage and wastage to be around 100 billions. It must be more now.

It is like a patient who is having a bacterial infection of his toes. Bacterial infection of such kind can be cured easily if treatment is given early. Once the infection goes up from the toe and involves the whole foot, it can still be managed but it will take a longer time to recover. But if the infection is left alone at the stage of foot involvement, it can easily infect the blood stream and septicemia may set in. If there is septicemia, and if the bacteria is of a virulent type, then I can only pray for the patient , for at that stage, a point of no return may have been reached, and treatment may not be effective.

The Chinese has a proverb advising that “we must be prepared for the rainy days”. I think that is the wisdom which will do any nation good.