鸟人的话 Words of Birdman

在这个世界上，遇到对你不好的人，
你不要太过介意，别人没义务对你好，
除了你爸妈以外。
你对别人好，人家不一定要对你好，
你也不要盼望别人对你好。

遇到对你好的人，你要懂得多多感激，
也要少许的防备，因为每一个人做事，
一定有他的原因，看清楚背后的原因，
不是每个人都真心，不要太快把他当真朋友。
少一个朋友或东西，你也是可以过活,
有失就有得。

生命短暂，要珍惜。
不盼望长命百岁，自己要懂得珍惜。
要记得世上没有最好的东西，
最好只是这霎那的，也会随着光阴和心境而改变消失。

【牽蝸牛去散步】

上帝給我一個任務，叫我牽一隻蝸牛去散步。

我不能走得太快，蝸牛已經盡力爬，但每次總是只挪那麼一點點。

我催牠，

我唬牠，

我責備牠，

蝸牛用抱歉的眼光看著我...

彷彿說:「人家已經盡了全力！」

我拉牠，

我扯牠，

我甚至想踢牠，

蝸牛受了傷，牠流著汗，喘著氣，往前爬。

真奇怪，為什麼上帝叫我牽一隻蝸牛去散步？

「上帝啊！為什麼？」天上一片安靜。

「唉！也許上帝抓蝸牛去了！」

好吧！鬆手吧！反正上帝不管了，我還管甚麼？

任蝸牛往前爬，我在後面生悶氣。

咦？我聞到花香，原來這邊有個花園。

我感到微風吹來，原來夜裡的風這麼溫柔。

慢著！我聽到鳥叫，我聽到蟲鳴，我看到滿天的星斗多亮麗。

咦？以前怎麼沒有這些體會？

我忽然想起來，莫非是我弄錯了！

原來是上帝叫蝸牛牽我去散步。

原文網址： 【牽蝸牛去散步】(N) http://appnews.fanswong.com/show.php?id=312827&NANCY#ixzz2NnPfZjeg

水果摊的故事

從前，有一個賣水果的攤子，老闆因為年歲大了，無法久站招呼客人，於是就貼條子徵店員。

過了幾天，來了一個年輕男子，問老闆一個月要用多少錢請他來幫忙，老闆笑著說：「我們這小攤子生意，哪裡付得出月薪，當然是看你的努力，一天能賣多少水果，收到的錢就給你十分之一，每天領現。」
年輕人聽了，上下打量眼前這個破舊攤子，就臭著臉說不行，這太沒保障了，說完掉頭就走。

過了幾天，又來了一位小伙子，問老闆薪水怎麼算，老闆又把領日薪的話說了一遍，這位小伙子聽了也想了一下，又問：「日領月領都沒有關係，重要的是這水果攤一個月收入大概多少啊？」
老闆說水果有分季節，生意也有淡旺季，好的話可收五萬元，不好的話可能只有一萬元。
小伙子聽了破口大罵，說這種生意做一輩子也得不到榮華富貴，只有笨蛋才會來賣水果。
同樣的，說完就走了。


又過了幾天，又來了一位小男孩，問老闆薪水怎麼算，老闆同樣是說領日薪。
小男孩聽了就笑了笑，對老闆說，可不可以在節日和周末時，把日薪的抽成比例調高，領當日收入的十分之二，如果當天收入超過一萬元，就領十分之三，如何？
老闆哈哈大笑摸著小男孩的頭說：
「你真聰明，還知道節日和周末的生意比較好，就按照你所說的去做吧！不過，就算是節日或周末，營業收入要超過一萬元，可不容易啊！」
就這樣，小男孩開始用清水把水果都洗一遍，然後每天不停地變換水果的位置，節日或周末時，就貼出幾張海報，寫著消費滿一千元就送一百元的水果，任憑顧客挑選。
想不到第一個月，小男孩就領到了三萬元以上的薪水，等於平均日薪一千元以上。
水果攤老闆雖然付出了不少薪水給小男孩，但他也樂得每天坐在搖椅上，看小男孩跑進跑出的，為他賺進比以前更多的鈔票。
幾年後，小男孩賺了不少錢，就把老闆的水果攤買下來，經過他的巧思，設計出更多促銷方案，生意比以前又更好，利潤當然也更高，於是他立刻開了第二家店，過幾個月又開第三家店，等到小男孩長大成人時，他已經成為億萬富翁，不到三十歲就擁有了榮華富貴。

根據調查，全世界的上班族，有百分之七十以上，都不滿意老闆給的薪水，即使知道老闆的生意下滑，收入減少，這些人仍然主張老闆要付更多的薪水。
很顯然的，這百分之七十的人，就是第一個來應徵水果店的年輕人。
他們要的只是一份保障，不管他們是否有全力去工作，或者他們的上班是否真的有幫到老闆，他們就是要老闆給自己一個穩定且不能打折扣的死薪水。

此外，我們相信，在這百分之七十的上班族中，也有不少是第二個來水果店找工作的小伙子，這類的上班族，都以為天底下的老闆，一生下來口袋裡就塞著一堆榮華富貴，住豪宅開好車吃美食，如果老闆不多分點好處給你，就是小氣吝慳，或心胸
狹隘的守財奴，因此，只要工作一段時間，發現老闆不是很大方，或者感覺自己從事的產業沒有發展前景，就立刻跳船走人，結果就是不停換工作，然後，不停地在新老闆面前咒罵舊老闆的小氣和不是，直到老邁，還是找不到榮華富貴。

天底下沒有一個老闆，會送你榮華富貴的，老闆能給你的只有「機會」，你只有掌握手上的「機會」，為老闆增加收入，為公司賺到更多利潤，你才能反過來借用公司和老闆的資源，讓自己的船，因為公司的水漲而跟著高升。
不管你是賣水果或賣電腦，是做熱門或冷門產業，只要你能想通這個道理，你就能像小男孩一樣，從老闆手中接下更多的榮華富貴。

Banks Contacts Mainly for Card Lost

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Comet

Comet Ison - November 2013
http://www.space.com/19656-comet-ison-nasa-spacecraft-photos.html

Square or Strip on tubes

Saw this in FB, not sure if it is true.

Please leave a comment if you know the truth, thank you.

6 Simple Steps to Wealth

Many believe there is a great secret to becoming wealthy. Few realize that the simple basics are all you need to build wealth. The “secret” to wealth is not much of a secret. A variety of simple concepts and actions can be applied to achieve prosperity. Follow the following six steps and you will be on your way to building your wealth.

1. Spend less than you earn
The number one rule of personal finance is this: You cannot spend more than what you earn. You must live within your means, and take care that you never outspend your income.

2. Reduce Debt
Pay down your debt, and you free up resources that can be used to improve your net worth. If you are leveraging on your loan, repay your loans diligently. Reduce the amount of interest you pay, and instead use that money to your advantage.

3. Grow Income
If you want more, you need to earn more. Look for ways to grow your income. Maximize the lifetime earnings of your career as well as seek non-career options to profit like part-time jobs. Staying overtime in an office that does not pay you extra will not help you, unless it will lead to a promotion.

4. Save for the Future
Your emergency fund can protect you against financial setbacks or unforeseen emergencies. Be prepared and stay calm.

5. Invest in Yourself
Wealth also depends on your human capital. Invest in yourself by getting an education, and/or developing a skill. It does not necessarily need to be a degree. All you need is a marketable skill, or a knowledge base that can help you improve your finances.

6. Play Good Defense
Be sure to avoid the worst finance mistakes that people make. They can derail your gains and even ruin all of the hard work you put in to grow your net worth.
When reading the above actions, it is easy to dismiss them. If it were so easy, everyone would be wealthy. The steps that lead to wealth are simple concepts. Applying these concepts is much harder.


3 Building Blocks of Wealth: Discipline, Patience, and Persistence
In addition to the steps above, you also need to develop three qualities to ensure maximize the chances that you will achieve wealth.

1. Discipline
Discipline requires a measure of self-control in expenditure. Rather than buying everything you want, prioritize and purchase only what is important to you. This will help get rid of debt and build your savings.
Earning money requires discipline. Growing your income means that you have to get up early and do extra work. Occasionally, you might have to complete tasks you find unpleasant. Knowledge and skills too are acquired only after you exercise the discipline to study and to practice them.

2. Patience
In today’s world, we are bombarded with promises of instant gratification. We want that expensive car now. You can have your vacation with a credit card. A 60-inch television can be yours if you qualify for in-store financing. The inability to wait and save up the money for what we want leads to debt and financial insecurity.
Results require time. A good emergency fund takes months, or even years, to build. Dollar-cost averaging in your investment portfolio requires decades of patience.

3. Persistence
Persistence is the ability to keep with your wealth-building efforts. It is easy to give up when you do not see quick results, or when you see your neighbors enjoying their over-leveraged lifestyles.
However, in the long run, those neighbors are likely to have very little wealth, since most of the goods they enjoy have been bought with debt. It is hard to see that when everyone around you is having fun while you follow a more practical course. But stay the course.
Take action now. There will be many temptations along the way. It is up to you to decide which path to take. Follow the simple concepts of building wealth with discipline, patience, persistence, and you will achieve financial freedom.

The concepts behind wealth are that simple, but it takes hard work to put them into practice.

By guest contributor Brian Halim, a professional accountant who blogs at A Path to Forever Financial Freedom. Posted via www.MoneyMatters.sg, your guide on how to make more money, save smarter, invest intelligently, and enjoy your money like a pro. Click here to get our free report on what you must know about financial freedom.
Source : Yahoo