Dunia Ni Kecil Je

Minggu ni aku balik Parit Jawa, Muar, Johor.
Semalam dah sampai sini.
Tapi balik kejap je, malam kang dah balik Melaka balik.
Esok nak tolong abah kat pasar.

Dah lama tak tido kat sini.
Selalu datang, tapi balik hari je.
Nanti Ida tak puas main ngan atuk dan nenek dia kat sini.
Lagi pun jap lagi wife ada buat kelas kecil-kecilan untuk kecantikan..

Tadi pergi jemputan rumah kawan wife.
Kat area sini je.
Yang bestnye, bapa kawan dia tu juru nikah yang menikahkan kitorang.
Kebetulan kan..
Tak sangka boleh jumpa orang yang menikahkan kitorang.
Yang bestnya, baru tahu dia bapa kawan wife..
Kecilnya dunia ni kan..

Minggu ni macam-macam gak yang dapat jumpa balik..
Member yang dah lama lost contact pun jumpa secara kebetulan.
Kebanyakan dari diorang dok kat Sabah & Sarawak..
Jumpa pun sebab diorang outstation..
Memang kecik la dunia ni..
Cari kat FB pun tak jumpa..
Diorang pun mengaku yang tak buka akaun FB.

Opps..
Ada tetamu dah datang..
Nak tolong wife dengan kelas dia..
Selamat berhujung minggu..

TAKE CARE...

Best Quotes - 14/10/11

"Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover." - Mark Twain


"Perseverance is not a long race; it is many short races one after another." - Walter Elliott


"Don’t settle in life. Settling is too easy. Block out the objections in your mind and then go for what you really want in life." - Kim Kiyosaki


“If one advances confidently in the direction of one's dreams, and endeavors to live the life which one has imagined, one will meet with a success unexpected in common hours.” - Henry David Thoreau


"When starting a business, search your soul and your heart and find what you want to GIVE your customers." - Robert Kiyosaki


"I am bigger than anything that can happen to me. All these things, sorrow, misfortune, and suffering, are outside my door. I am in the house and I have the key."- Charles Fletcher Lummis


‎"If there's a book you really want to read, but it hasn't been written yet, then you must write it." - Toni Morrison


"When you lead you must be open minded enough to ask others what they see. Just because you can’t see something doesn’t mean it doesn’t exist." - Robert Kiyosaki


"If you are going to be great in sales, you have to commit to personal development." - Blair Singer


“Dreams do come true, if we only wish hard enough.You can have anything in life if you will sacrifice everything else for it.” - James Matthew Barrie


“We all have our time machines. Some take us back, they're called memories. Some take us forward, they're called dreams.” - Jeremy Irons


‎"We are here to change. We are here to grow, develop and unfold. We are progressive beings that have infinite capacity" - Michael Beckwith


"Eyeballs up = visual, down = emotional/kinesthetic. Change someone from an emotional state to a visual state by having them look up." - Blair Singer


“When your mind runs from the past and races to the future it forgets the present. And, the present is the balm that heals the mind of problems.” – Dr. Frank J. Kinslow


“The real tragedy is the tragedy of the man who never in his life braces himself for his one supreme effort, who never stretches to his full capacity, never stands up to his full stature.” - Arnold Bennett


‎"Life is not about achievement, it's about learning and growth, and developing qualities like compassion, patience, perseverance, love, and joy, and so forth. And so if that is the case, then I think our goals should include something which stretches us." - Jack Canfield


"The most beautiful people we have known are those who have known defeat, known suffering, known struggle, known loss, and have found their way out of the depths. These persons have an appreciation, a sensitivity, and an understanding of life that fills them with compassion, gentleness, and a deep loving concern. Beautiful people do not just happend." -  Elisabeth Kübler-Ross


"The key to my success is rising above situations and becoming a better person. Personal development leads to success." - Robert Kiyosaki


"Stay focused and keep your eyes on the prize. Obstacles are what you see when you take your eyes off your goals." - Brian Tracy


"When raising money, a professional investor cares very little about your product. They care about you and your people because business is about people." - Robert Kiyosaki


“Think positively and masterfully, with confidence and faith, and life becomes more secure, more fraught with action, richer in achievement and experience.” - Eddie Rickenbacker


“Definiteness of purpose is the starting point of all achievement” - W. Clement Stone


“Happiness... it lies in the joy of achievement, in the thrill of creative effort.” - Franklin D. Roosevelt


“The size of your accomplishments, the quality of your achievement, will depend very largely on how big a man you see in yourself, what sort of image you get of your possible self, yourself at your best.” - Orison Swett Marden

THE IMPORTANCE OF GOOD HEALTH

For a comfortable living, the importance of good health cannot be overstated. Inappropriate health makes us vulnerable to invasion by dangerous diseases and results in a shortened life span. The great news is that good health is fairly easy to achieve. All it requires is determination, drive and willingness to make small changes in your life style. To make the process of transition as painless as possible, it is best to start off slowly and implement small changes in phases.

The most important facet of good health is adequate exercise. Exercises help us achieve good health by strengthening our cardio-vascular system, strengthening our muscle mass and reducing the affect of stress on the body. To ensure that exercises do not appear to be chores, it is best to find exercises that you enjoy doing rather than those that you dread. For those who prefer to be outdoors, trekking, hiking, jogging or running may be the appropriate exercise to take up. On the other hand, for those who enjoy swimming, membership to a local pool may be the answer.

There are many alternative forms of exercise that you may find beneficial. Yoga is a very popular form of exercise that helps to strengthen your body, helps you lose weight, and is great as a stress reliever. Pilates is also very poplar and deals with the core strength of your abdominals. No matter what your interests are, you are sure to find an exercise that interests you.

Another essential part of achieving and maintaining good health is changing eating habits to a healthy eating style. Poor eating habits sometimes seem like an especially daunting task - most people try to completely change what they eat. Instead of a radical change, try starting off slowly with something simple, such as adding a small salad to your dinner, or try a piece of fruit or cheese for dessert rather than ice cream. You don't need to eliminate all junk foods entirely, but if you make an effort to only eat them in moderation and make sure the bulk of what you consume is nutritious and full of vitamins and minerals, you'll move a long way towards healthy eating.

One thing to work towards eliminating in your diet is over- processed foods. Some people rely upon the convenience of pre-packaged frozen foods that they can just pop in the microwave for a few minutes and create a "complete" meal.

A healthier approach would be to make several nutritious meals on Sunday night and freeze portions of it. This way you still maintain the convenience of fast meals but you also know what ingredients are used in the preparation. By making small changes to your life you can be eating healthier in no time.

Excessive smoking or drinking is certainly detrimental to your good health. It's okay to occasionally imbibe, a few drinks once in a while are fine, and small amounts of red wine are actually good for you, but there is no such exception for smoking. If you smoke, go talk to your doctor to discuss a smoking cessation program. Smoking endangers your health and the health of those around you. The sooner you quit smoking, the faster your body can begin to repair the years of damage.

Good health is easy to achieve but you need to make changes in your diet and lifestyle now. Start by walking up the stairs at work instead of taking the elevator. Or swap that hamburger and fries you were going to have for lunch for a wrap and a salad. Small changes are the best way to start and by doing it now you can enjoy good health well into your golden years.

By Debbie Piltin

BELANJAWAN 2012

Belanjawan 2012 bertemakan Dasar Transformasi Nasional: Bajet Membela Rakyat, Mensejahtera Negara telah pun selamat dibentangkan di Parlimen oleh Perdana Menteri dan Menteri Kewangan, YAB Dato' Sri Mohd Najib Tun Abdul Razak petang tadi. Setiap hujah lengkap untuk kebajikan, ekonomi dan perancangan untuk masa depan rakyat Malaysia. Untuk teks lengkap sila klik link.

Bajet 2012

Kenaikan gaji bagi jabatan tertentu juga tidak dikecualikan. Naik lagi kuasa beli bagi mereka yang bekerja di sektor kerajaan. Hope tiada masalah inflasi di masa akan datang. Hope juga jika terdapat kadar kenaikan barang akan mengambilkira gaji pekerja di sektor swasta. Dan yang paling penting sekali level pendapatan bagi golongan yang akan di statuskan miskin akan dikemaskinikan. Satu lagi banci pendapatan perlu di buat untuk menentukan tahap kemiskinan negara.

Hope bajet yang telah dibentangkan dapat memantapkan struktur ekonomi di negara kita. Bagi yang sudah naik gaji tu, jagalah mutu dan kualiti perkhidmatan anda. Dan bagi yang menerima peruntukan, bersyukurlah dengan apa yang ada. Gunakanlah dengan bijak dan tidak mensia-siakannya.

Best Quotes - 07/10/11

"Change your thoughts and you change your world." - Norman Vincent Peale

"Creation is always happening. Every time an individual has a thought, or a prolonged, chronic way of thinking, they're in the creation process. Something is going to manifest out of those thoughts" - Michael Beckwith

"Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma – which is living with the results of other people’s thinking. Don’t let the noise of other’s opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary."- Steve Jobs

"I am sometimes taken aback by how people can have a miserable day or get angry because they feel cheated by a bad meal, cold coffee, or social rebuff, or a rude reception...We are quick to forget that just being alive is an extraordinary event, a chance occurrence of monstrous proportions."- Taleb

"Specialization is not your friend. Work on experiencing more diverse aspects of business and life."-Robert Kiyosaki

“I want to put a ding in the universe.” - Steve Jobs

“You control your future, your destiny. What you think about comes about. By recording your dreams and goals on paper, you set in motion the process of becoming the person you most want to be. Put your future in good hands - your own.” - Mark Victor Hansen

"Let a person radically alter his thoughts, and he will be astonished at the rapid transformation it will effect in the material conditions of his life." - James Allen

"Your greatest asset is your earning ability. Your greatest resource is your time. For your midweek motivation make it goal today to take advantage of every minute in your workday."-Brian Tracy

"I like to think of the word FOCUS as Follow One Course Until Successful. My two favorite words of that acronym are: Until Successful."-Robert Koyosaki

"Being an entrepreneur is not a get-rich scheme. Sacrifices are part of the journey. It takes strength of character to keep going."- Robert Kiyosaki

“We all have our time machines. Some take us back, they're called memories. Some take us forward, they're called dreams.” - Jeremy Irons

“Gratitude bestows reverence, allowing us to encounter everyday epiphanies, those transcendent moments of awe that change forever how we experience life and the world.” - John Milton

“Cherish your visions and your dreams as they are the children of your soul; the blueprints of your ultimate achievements.” - Napoleon Hill

"People need regular feedback to know how they are doing and to keep on track. Today compliment a coworker or give praise to someone who's doing a great job."- Brian Tracy

 

 

 

 

 

 

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THE IMPORTANCE OF FINANCIAL EDUCATION

          Financial education is increasingly important, and not just for investors. It is becoming essential for the average family trying to decide how to balance its budget, buy a home, fund the children’s education and ensure an income when the parents retire. Of course people have always been responsible for managing their own finances on a day to day basis – spend on a holiday or save for new furniture; how much to put aside for a child’s education or to set them up in life – but recent developments have made financial education and awareness increasingly important for financial well-being.

          For one thing, the growing sophistication of financial markets means consumers are not just choosing between interest rates on two different bank loans or savings plans, but are rather being offered a variety of complex financial instruments for borrowing and saving, with a large range of options. At the same time, the responsibility and risk for financial decisions that will have a major impact on an individual’s future life, notably pensions, are being shifted increasingly to workers and away from government and employers. As life expectancy is increasing, the pension question is particularly important as individuals will be enjoying longer periods of retirement.

         Individuals will not be able to choose the right savings or investments for themselves, and may be at risk of fraud, if they are not financially literate. But if individuals do become financially educated, they will be more likely to save and to challenge financial service providers to develop products that truly respond to their needs, and that should have positive effects on both investment level and economic growth.

          Individuals are increasingly being asked to take on sole responsibility – and assume the burden of risk – for complex savings tasks which were previously at least shared with governments or employers, such as investing for a pension or for higher education for their children. But how can individual workers or parents be expected to weigh the risks and make responsible choices in an ever more sophisticated financial market? This is true even in countries where consumers generally are familiar with financial instruments such as credit cards, mortgage loans and perhaps private saving to “top up” company pension plans. It is all the more difficult in emerging economies whose rapid development has given access to financial services to a large number of consumers, many of whom have only a limited experience with formal financial systems.

         For emerging economies, financially educated consumers can help ensure that the financial sector makes an effective contribution to real economic growth and poverty reduction. But financial literacy is also crucial for more developed economies, to help ensure consumers save enough to provide an adequate income in retirement while avoiding high levels of debt that might result in bankruptcy and foreclosures. The information available on consumer financial literacy is worrying for two reasons – not only do individuals generally lack an adequate financial background or understanding to navigate today’s complex market, but unfortunately they also generally believe that they are far more financially literate than is really the case.


For further readings :  http://www.oecd.org/dataoecd/8/32/37087833.pdf

STOP WORRYING . . .

        Worrying can be helpful when it spurs you to take action and solve a problem. But if you’re preoccupied with “what ifs” and worst-case scenarios, worry becomes a problem of its own. Unrelenting doubts and fears are paralyzing, not motivating or productive. They sap your emotional energy, send your anxiety levels soaring, and interfere with your day-to-day life—all this with no positive payoff! The good news is that chronic worrying is a mental habit you can learn how to break. You can train your brain to stay calm and collected and to look at life from a more positive perspective.

Why is it so hard to stop worrying?

Constant worrying takes a heavy toll. It keeps you up at night and makes you tense and edgy during the day. You hate feeling like a nervous wreck. So why is it so difficult to stop worrying? For most chronic worriers, the anxious thoughts are fueled by the beliefs—both negative and positive—they hold about worrying.
On the negative side, you may believe that your constant worrying is harmful, that it’s going to drive you crazy or affect your physical health. Or you may worry that you’re going to lose all control over your worrying—that it will take over and never stop. On the positive side, you may believe that your worrying helps you avoid bad things, prevents problems, prepares you for the worst, or leads to solutions.
Negative beliefs, or worrying about worrying, add to your anxiety and keep worry going. But positive beliefs about worrying can be just as damaging. It’s tough to break the worry habit if you believe that your worrying protects you. In order to stop worry and anxiety for good, you must give up your belief that worrying serves a positive purpose. Once you realize that worrying is the problem, not the solution, you can regain control of your worried mind.


Learning To Postpone Worrying

1. Create a “worry period.” Choose a set time and place for worrying. It should be the same every day (e.g. In the living room from 5:00 to 5:20 p.m.) and early enough that it won’t make you anxious right before bedtime. During your worry period, you’re allowed to worry about whatever’s on your mind. The rest of the day, however, is a worry-free zone.
2. Postpone your worry. If an anxious thought or worry comes into your head during the day, make a brief note of it on paper and postpone it to your worry period. Remind yourself that you’ll have time to think about it later, so there’s no need to worry about it right now. Save it for later and continue to go about your day.
3. Go over your “worry list” during the worry period. Reflect on the worries you wrote down during the day. If the thoughts are still bothering you, allow yourself to worry about them, but only for the amount of time you’ve specified for your worry period. If the worries don’t seem important any more, cut your worry period short and enjoy the rest of your day.

Distinguish Between Solvable And Unsolvable Worries

If a worry pops into your head, start by asking yourself whether the problem is something you can actually solve. The following questions can help:

• Is the problem something you’re currently facing, rather than an imaginary what-if?
• If the problem is an imaginary what-if, how likely is it to happen? Is your concern realistic?
• Can you do something about the problem or prepare for it, or is it out of your control?

Productive, solvable worries are those you can take action on right away (for example, if you’re worried about your bills, you could call your creditors to see about flexible payment options). Unproductive, unsolvable worries are those for which there is no corresponding action (“What if I get cancer someday?” or “What if my kid gets into an accident?”). If the worry is solvable, start brainstorming. Make a list of all the possible solutions you can think of. Try not to get too hung up on finding the perfect solution. Focus on the things you have the power to change, rather than the circumstances or realities beyond your control. After you’ve evaluated your options, make a plan of action. Once you have a plan and start doing something about the problem, you’ll feel much less worried.


Accept Uncertainty 

The inability to tolerate uncertainty plays a huge role in anxiety and worry. Chronic worriers can’t stand doubt or unpredictability. They need to know with 100 percent certainty what’s going to happen. Worrying is seen as a way to predict what the future has in store—a way to prevent unpleasant surprises and control the outcome. The problem is, it doesn’t work. Thinking about all the things that could go wrong doesn’t make life any more predictable. You may feel safer when you’re worrying, but it’s just an illusion. Focusing on worst-case scenarios won’t keep bad things from happening. It will only keep you from enjoying the good things you have in the present. So if you want to stop worrying, start by tackling your need for certainty and immediate answers.


Challenge  Anxious Thoughts

If you suffer from chronic anxiety and worries, chances are you look at the world in ways that make it seem more dangerous than it really is. For example, you may overestimate the possibility that things will turn out badly, jump immediately to worst-case scenarios, or treat every negative thought as if it were fact. You may also discredit your own ability to handle life’s problems, assuming you’ll fall apart at the first sign of trouble. These irrational, pessimistic attitudes are known as cognitive distortions.
Although cognitive distortions aren’t based on reality, they’re not easy to give up. Often, they’re part of a lifelong pattern of thinking that’s become so automatic you’re not even completely aware of it. In order to break these bad thinking habits and stop the worry and anxiety they bring, you must retrain your brain.
Start by identifying the frightening thought, being as detailed as possible about what scares or worries you. Then, instead of viewing your thoughts as facts, treat them as hypotheses you’re testing out. As you examine and challenge your worries and fears, you’ll develop a more balanced perspective.


References: Helpguide.Org