Our Daily Bread

what I need to do ...

  • Continious learning -unlearn as necessary
  • Reach out to family & loves ones
  • Maintain fitness - strong core and clear IPPT
  • Pick up parenting skills
  • Save up and plan for renovation
  • Build passive business & investment income
  • Back up Data
  • Manage $ Cash flow
  • Learn sinan mori

Monday, September 7, 2009

Investments - Questions to Ask - 3 Dimensions

Know yourself:
 {Have stamina? Whine if lose $50? Financial Health State, Objective – buy house etc, Commitments, Risk Appetite vs. Can actually take }  What are my financial needs ? => Financial Need Analysis – 6 mths review
•    How much should i save?
•    How much risk can i take / should i?
•    How long should i stay invested?

Know the Products:
{Missed Opportunities}
[Risk Level – Volatility, Liquidity, Counter party]
[Investment Horizon or Tenor] -> 3-5 years
[Complexity]
•    What investments are available?
•    How safe are these investments?
•    Will i be able to get cash back when i need it?
•    How long does it take for the investment to return me the cash?

Know the Strategies:
{Lower return if don’t know}
•    How much do i invest in each type of investments?
•    How can i protect my investment?
•    Do i invest long-term or adjust consistently in the short-term?
•    How often should i review my investment?
•    When should i take profit and cut my losses?
•    How do i take advantage of economic growth of other countries?
•    Should i invest in the local markets only or global markets?

In General:
Don’t suffer as a result of investment!
The stock market is there to fool you overcome with knowledge
Don’t be greedy and be taken by promoters
Don’t rush!

Wednesday, September 2, 2009

Great things always begin from our inside.

this story is shared by my friend ....

One day all the employees reached the office and they saw a big advice on
the door on which it was written:
"Yesterday the person who has been hindering your growth in this company
passed away. We invite you to join the funeral in the room that has been
prepared in the gym".

In the beginning, they all got sad for the death of one of their
colleagues, but after a while they started getting curious to know who was
that man who hindered the growth of his colleagues and the company itself.
The excitement in the gym was such that security agents were ordered to
control the crowd within the room.
The more people reached the coffin, the more the excitement heated up.
Everyone thought: "Who is this guy who was hindering my progress? Well, at
least he died!". One by one the thrilled employees got closer to the
coffin, and when they looked inside it they suddenly became speechless.
They stood nearby the coffin, shocked and in silence, as if someone had
touched the deepest part of their soul.

There was a mirror inside the coffin: everyone who looked inside it could
see himself. There was also a sign next to the mirror that said:
"There is only one person who is capable to set limits to your growth: IT
IS YOU. You are the only person who can revolutionize your life. You are
the only person who can influence your happiness, your realization and your
success
. You are the only person who can help yourself. Your life does not
change when your boss changes, when your friends change, when your parents
change, when your partner changes, when your company changes. Your life
changes when YOU change, when you go beyond your limiting beliefs, when you
realize that you are the only one responsible for your life.

"The most important relationship you can have, is the one you have with
yourself" Examine yourself, watch yourself. Don't be afraid of
difficulties, impossibilities and losses: be a winner, build yourself and
your reality. The world is like a mirror: it gives back to anyone the
reflection of the thoughts in which one has strongly believed. The world
and your reality ar! e like mirrors laying in a coffin, which show to any
individual the death of his divine capability to imagine and create his
happiness and his success. It's the way you face life that makes the
difference!

 If an egg is broken from outside force .. life ends.
If an egg is broken from inside force, life begins. Great things always
begin from our inside.

-- thanks buddy for sharing ...

-- reading this remind me of the following verses:
Romans 12:1-2
John 16: 7-20  

When you Gadgets fall into the wrong hands ...

The following was shared by a Geek friend of mine.

*GPS*
 A couple of weeks ago a friend told me that someone she knew
 had their car broken into while they were at a football game. Their car
 was parked on the green which was adjacent to the football stadium and
 specially allotted to football fans. Things stolen from the car included
 a garage door remote control, some money and a GPS which had been
 prominently mounted on the dashboard.

 When the victims got home, they found that their house had been
 ransacked and just about everything worth anything had been stolen.

 The thieves had used the GPS to guide them to the house. They
 then used the garage remote control to open the garage door and gain
 entry to the house. The thieves knew the owners were at the football
 game, they knew what time the game was scheduled to finish and so they
 knew how much time they had to clean out the house. It would appear that
 they had brought a truck to empty the house of its contents.
  • Something to consider if you have a GPS - don't put your home
  • address in it. Put a nearby address (like a store or gas station) so you
  • can still find your way home if you need to, but no one else would know
  • where you live if your GPS were stolen..

 *Mobile Phones*
 I never thought of this........ .

 This lady has now changed her habit of how she lists her names
 on her mobile phone after her handbag was stolen. Her handbag, which
 contained her cell phone, credit card, wallet... Etc....was stolen.

 20 minutes later when she called her hubby, from a pay phone
 telling him what had happened, hubby says 'I* received your text asking*
 *about our Pin number and I've replied a little while ago*.'

 When they rushed down to the bank, the bank staff told them all
 the money was already withdrawn. *The thief had actually used the stolen*
 *cell phone to text 'hubby' in the contact list and got hold of the pin*
 *number. Wit hin 20 minutes he had withdrawn all the money from their bank
account.

 *Moral of the lesson:*
 Do not disclose the relationship between you and the people in
 your contact list.

Avoid using names like Home, Honey, Hubby, Sweetheart, Dad,
 Mom, etc....

 And very importantly, when sensitive info is being asked
 through texts, Confirm by calling back.

Also, when you're being text by friends or family to meet them
 somewhere, be sure to call back to confirm that the message came from
 them. If you don't reach them, be very careful about going places to meet
 'family and friends' who text you.

 -- thanks buddy for the info

Quotes

  • You are your thoughts.The thoughts in your head are what institute the laws of attraction. You think therefore you are. - Joe Vitalli, The Laws of Attraction
  • Don't react blatantly in Anger and become a Zero - Papati
  • Don't miss out in the learning values of problems by over-looking the root causes but starting at the occurences - Raj
  • You can do almost anything if you have a steady income. Little or much, what matters is that you can count it, month after month.Without the regular flow of funds, you will be constantly distracted from you goals - Norm & Bo
  • Time is greater than money, you can never really buy time. Don't let time slip away. - Raj
  • Ignore technology advancement and you will either be left behind or you have to fork out more - Raj
  • Without passion nothing happens in life but without compassion the wrong things happen - Jan Eliasson
  • The poorer you are the more you need to plan and act wisely. Any undesired outcome you have little resource to manoeuvre.
  • “Life changes when you least expect it to. The future is uncertain. So, seize this day, seize this moment, and make the most of it.”
  • To get to where you want to go in life you must start from where you are - Tan
  • Maturity does not come with age,it comes with the acceptance of responsibilities - Tan

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