A Sad Story..

This is a very sad story, a true story of my girl friend who has struggled to get through some difficulties to give birth a baby of her and her loved one. All of us have prayed hard for her and her unborn baby, that they can able to pass through all the difficulties together. Unfortunately, my girl friend faced the harsh reality that her unborn baby die after 4 days of continuous bleeding. I was asking the unborn baby "Why did you not come with happy cries but made your mother's soul weep painful cries? Just before your precious eyes could open, your soul could feel the essence of this world, but why did you not take that breath?" I know not everything in this world comes sweet and with a smile, but this incident will definitely made my girl friend's life full of scars and thorns, as she has lost two unborn babies within these two years. I know nothing much we can help and do for her, but just hoping that she will get through all the darkness and smile again.

No Pain No Gain

Got this meaningful message from one of the email forwarded by my friend. No Pain No Gain… Accept the Pain, Future will be Fruitful… Don't feel the work you are doing is pain, because there will be always a reason for that pain or work. So face the pain, for the pain you face, there will be definitely happiness a head.

Science and Mathematics in English

Frankly speaking, I'm very very sadden with the changes of Science and Mathematics which proposed to teach in English back to Bahasa Malaysia again by our current government.

As for me, I took BA (Hons) Accountancy and Finance after my secondary school. Guess what? Some of the basic subjects we have actually already learnt them in Bahasa Malaysia during our secondary school, and it in English once we entered College or University, and we study it again, don't you think it is very funny and time consuming? Moreover, our brain has actually assimilated the Bahasa Malaysia, and we might need some times to get use with English starting from zero again. Not even now, I can't really speak a fluent English, I guess many of them out there are having the same problem as me too, especially those graduate from a so called "Kebangsaan" seconday School, what's a shame right? My personal opinion is English teaching for Science and Mathematics would be a brilliant idea to make our next generation to be more successful, intelligent, and able to compete with outbounds. Anyhow, Bahasa Malaysia is still a very important subject in our country as if we fail it, we will never get any certificate, so I guess teaching of Science and Mathematics in English still does not affect Bahasa Malaysia at all. Am I right to say so? Anyway, I wonder why not just make the schools in certain vicinity to teach these subjects in English and some in Bahasa Malaysia? Then, we, the rakyat, will be the one decide on what language to be taught for!

Six Millionaire Traits that We Can Adopt

Millionaires have more in common with each other than just their bank accounts - for some millionaires, striking it rich took courage, salesmanship, vision and passion. Find out which traits are most common to the seven-figure bank account set, and what you can do to hone some of these skills in your own life.

1. Independent Thinking Millionaires think differently. Not just about money, about everything. The time and energy everybody else spends attempting to conform, millionaires spend creating their own path. Since thoughts impact actions, people who want to be wealthy should think in a way that will get them to that goal. Just look at David Geffen. A self-made millionaire with $4.5 billion to his name in 2009, this American record executive and film producer was college dropout, but made millions founding record agencies and signed some of the most prominent musicians of the 1970s and '80s. Although he didn't take what many assume to be the usual path to success, his tireless work ethic and sense of personal conviction about artists' potential allowed him to rack up a sizable fortune. 2. Vision Millionaires are creative visionaries with a positive attitude. In other words, wealthy people not only have big dreams, they also believe they will come true. As such, wealth seekers should set lofty goals and not be afraid of uncharted territories. Bill Gates, the world's richest person in 2009, did just that. The American chairman of Microsoft (NYSE:MSFT) is one of the founding entrepreneurs who brought personal computers to the masses. Gates jumped into the personal computers business in 1975 and held on tight, creating Microsoft Windows in 1985. When consumers began to bring computers into their homes, Gates was ready to profit from this new age. 3. Skills Writer Dennis Kimbro interviewed successful people to determine the traits they had in common for his book, "Think and Grow Rich" (1992). He found that they concentrated on their area of excellence. Millionaires also tend to partner with others to supplement their weaker skills. If you don't know what you are good at, poll friends and family. Use training and mentors to refine your strong skills. 4. Passion Billionaire investing guru Warren Buffett says "Money is a by-product of something I like to do very much." Enjoying your work allows you to have the discipline to work hard at it every day. People who interact with money for a living, bankers for example, often love creating new deals and persuading others to complete a transaction. But finding your dream job may take time. The average millionaire doesn't find it until age 45, and tends to be 54 (on average) before becoming a millionaire. 5. Investment Millionaires are willing to sacrifice time and money to achieve their goals. They are willing to take a risk now for the opportunity of achieving something greater in the future. Investing may include securities or starting a business - either way, it is a step toward achieving great financial rewards. Start investing now. 6. Salesmanship Millionaires are constantly presenting their ideas and persuading others to buy into them. Good salesmen are oblivious to critics and naysayers. In other words, they don't take "no" for an answer. Millionaires also have good social skills. In fact, when writer T. Harv Eker analyzed the results of a survey of 753 millionaires for his book, "Secrets of the Millionaire Mind" (2005), he found social skills were more important than IQ. Just look at Donald Trump. His fortune has fluctuated over the years, but his ability to sell himself - whether as a TV personality or as the force behind a line of neckties - has always brought him back among the ranks of celebrity millionaires. * The above article credited to investopedia.com *

Fluent English Speaker!

I know I can't really speak fluent English, yet don't laugh at me, I'm trying my best to improve my oral communication skills in English now, and targeted to be a fluent English speaker in one to two years time =P Well! All of us know that when children start learn to talk, they actually learn by subconsciously copying the adults. So, when they do start trying the words out, their language and accent would be similar to that of the adults around them. So, similarly, if anyone of us want to become fluent in English, it would be a good idea to listen to it as much as possible. Watch English movies and soaps, listen to English music or even buy a CD of novels read out in English that we could listen to. The more we listen to the language, more comfortable you become with it. Subconsciously, our brain begins to assimilate this language so that when we use it, we would be more likely to use it correctly with only a little accent. But, listening alone would not take us all the way. We have to practice too. Start reading out English stories and news aloud. Find a friend who would also like to improve his/her English and practice together. When we watch a movie, how about re-enacting a scene from it for friends or family or do this in front of the mirror. Conclusion, listen and speak more!

Monday Morning Struggles

It's Monday again! Monday morning is just hard for me to get up =(

Think Rich to Become Rich

T. Harv Eker, the multimultimillionaire (this is how he describes himself), he taught us to think rich to become rich in his book "Secrets of the Millionaire Mind".

Some of the wealth principles that support his idea taken in his exact words are:

Your income can grow only to the extent you do.

If you want to change the fruits, you will first have to change the roots. If you want to change the visible, you must first change the invisible.

Money is a result; your weight is a result. We live in a world of cause and effect.

When the subconscious mind must choose between deeply rooted emotions and logic, emotions will almost always win.

If your motivation for acquiring money or success comes from a none supportive root such as fear, anger, or the need to "prove" yourself, your money will never bring you happiness.

You can choose to think in ways that will support you in your happiness and success instead of ways that don’t.

Rich people believe “I create my life.” Poor people believe “Life happens to me.”

Money is extremely important in the areas in which it works, and extremely unimportant in the areas in which it doesn’t.

When you are complaining, you become a living, breathing ‘crap magnet’.

There is no such thing as a really rich victim!

Rich people play the money game to win. Poor people play the money game not to lose.

There’s nothing wrong with getting a steady paycheck, unless it interferes with your ability to earn what you’re worth. There’s the rub. It usually does.

Financial Genius

You don’t have to be a genius to be wealthy. Although high IQ definitely helps, it is more important to have emotional intelligence in order to get rich. Well! All of us learn the simple arithmetic in primary schools. For example, you certainly know “8 = 10-2”. There is really no challenging mathematics involved in personal finance. Simple plus and minus equation is all you need. The two most essential equations in personal finance are: S = I – E Where S = Savings, I = Income, E = Expenses and NW = A – L Where NW = Net Worth, A = Assets, L = Liabilities In the quest of acquiring wealth, one must have a positive S all the time. Only through smart utilization of your savings can ensure that your net worth will increase over time. The above philosophy credited to the book "Top Money Tips For Malaysians"