For those who really LOVE to save

Eventually, I have an idea to dedicate this special topics to somebody else who very important in my life. However, this topic has been mention to those not only one person, I should be generally and briefly to the public. There are s number of ways to use effectively to save especially money and time. Major people are always stressed they are not enough time and do not have extra cash money to buy their wants and needs.

Indeed, I am learning. At my age now, could be certainly late instead of back to 10 years from now. I did not regret last time what I had done but realized that most important it is right now and future, not looking backward again. Here are some effective ways to save your time & money;

First, when you get your monthly salary, do remind yourself SAVE 10% from your gross salary instead of nett salary because of deduction from Employee Provident Fund(EPF). Not even try to save your 10% money after expenses. It's usually not going to work it at all.

Second, you should always write a list before you spend. It very useful than you got no lists. Do not know which should spend and shouldn't. This is to reduce unnecessarily stuffs during spending. It is also build gorgeous behavior before end up to work for debts.

Further, you may utilize your daily workbook,personal schedule allocation. To ensure you should allocate your time, to make your schedules early 15 mins before you have appointment. Always plan before the appointment day. Nevertheless, you can certainly work out your own ways if you need to share with us.

Last but not least, I have a number of ways to share with you but not now. Nowadays, saving should be starts anytime before you realized later. You maybe can wirte a message to put on the wall and keep reminding yourself everyday.

Ways to Improving memory

I read an interesting articles which released a report on 2001 by The International Longevity Centre who recommended the ways of keeping the mind in good functionality until advanced age. Some of the recommendations are to stay intellectually active through learning, training or reading and to keep physically active so as to promote blood circulation to the brain.

Memory, like musclar strength, is a "use it or lose it" proposition. The more you work out your brain, the better you'll be able to process and remember information.

Here are some execises to try out:-

• Paired associate learning

Learning to associate one specific word with another. For instance, when your are trying to remember a word such as "evaluation",you must learn to say another specific word, such as "result" to tie in the first word. "Result Evaluation". This is called stimulus response.

• Free Recall

Quite tougher. But it works instead of ain't nothing. Study a list of words and then sometime later, try to recall or write down as many words as you can remember.

• Recognition
  

First, remember a list of words or pictures, then try to identify those words or pictures from among a list of alternatives that were not given in the original list.

• Pay Attention

You can't remember something if you never learned it, and you can't learn something, if you don't pay enough attention to it. So, no multitasking when you need to concentrate.

• Organize Information

Write things down in address books and datebooks and on calendar; take notes on more complex material and recognise the notes into categories later.

Move On.....

It's okay to breakdown sometimes but when you do, pick yourself up, dust the dirt off and "MOVE　ＯN".... The reason why this is can't able to control by ourself but the best way to understand is.....

"You never conquer a mountain. Mountains can't be conquer; You conquer yourself - You Hope, Your Fears." Jim Whitaker - 1st American reach the summit of Mt.Everest

Heart Philosophy

My beloved friends,
Wow, you are find very interesting in this valuable philosophy.
H - Honesty

E - Ego & Empathy

A - Attitude

R - Reserve

T - Tough
Let's drop your good comment here. If any wrong, please c.o.rrect me! Many Thanks!

Rules for Being Human

I came across this rules when I have read a book yesterday. Just out my curiosity, are that true every human being in the world shall be undergo the rules in our life as stated by Murphy's Law instead of everyone of us chooses an option to determine the rules to being human. What is in your mind right now?

The list of describes well the state we're in as people:

Rule 1 # You will learn the lesson.

Rule 2 # There are no mistakes - only lessons.

Rule 3 # A lesson is repeated until it is learned.

Rule 4 # If you don't learn the easy lesson, they get harder. (Pain is one way the universe gets your attention.)

Rules 5 # You will know you've learned a lesson when your actions change.

The Success Story of China

There was an email forwarded by my co-worker stated that the success story of China, what is my first impression after read the articles? Wow, i was thinking that how bravo of china people. In this competitive world, china still may not as advance as European, though they have powerful minded, strong intuition, high desire and ambitious to compete against with European. Likewise, there are many successful entrepreneurs to expand their business throughout over the world, for instance Ali Baba, hong Kong which one of most powerful search engine's in China. Nothing is impressed you on the technology industry. And what if our American president has visited China last week, primarily to find out what exactly and how exactly China doing things that make it such success story. Look at this statement from our respectful American president to address that why the china they able to create the miracles among their country and developed. There was surpassing all so called " expert economic planners of US and Europe. His teams found these 5 basic lesson behind of China success - it could be almost equally to our country which the following are:

Lesson 1 # BE AMBITIOUS
The Chinese believe in Setting Goals, making Plans, and focusing on Moving Ahead - there is always the sense of forward motion. As an example, a huge 6-lane highway in Shanghai took only 2 years from planning to ready for traffic. In the US, 2 years will only get you the environment and local authority permit if you are lucky. Difference of country authorization and policies, they have implemented lots of strategies to aim the country being developed.

Lesson 2 # Education Matters
The Chinese are obsessed with ensuring kids get the right education - English, Maths & Science. They made sure that their education system reached even the most remote rural areas as current capabilities where they had. Until today, the literacy rate in china is over 90%, surpassing even the USA's 86% only. According to American Educationists the Chinese kids are way ahead of the kids in the USA. The most importantly the parents are concerning their children education instead of to encourage their children should work when they have no interest to study.

Lesson 3 # Look After The Elderly
The chinese do not send their elderly to nursing care centres - they personally took after & care for their parents. In the US, nursing care of the elderly is now costing each resident USD85,000 annually, & this is rising. The chinese also believe that their grandparents at home make the best tutors for their children. It also provides a sense of cultural continuity - this helps bind society.

Lesson 4 # Save More
In 2005, a survey shown that US saving habits dropped to zero and it is only now slowly rising to 4%. In China, the savings rate for every household has exceeded 20%. The chines believe that fugality & a healthy savings rate are a sure indicator of country's financial health. High savings lead to increased investment - results in increased productivity, innovation & job growth.

Lesson 5 # Look over the horizon
In China, everyone is forward looking - never backwards. New graduates make a vow - never ever will their children & grandchildren ever work in the fields again. With this kind of forward mentality, people are always thinking & planning how, not just to succeed, BUT how to be the best in the world in everything they do.