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.