Sunday, October 6, 2013

(李嘉誠)教五年內買車買房.

(李嘉誠)教五年內買車買房.
假設你的月收入只有2000元,你也可以過得很好。我幫你把錢分成五份。第一份600元,第二份400元,第三份300元,第四份200元,第五份500元。
第一份,用來做生活費。這麽少的生活費,每天只能夠分到十幾元。早餐一份煮米絲,一個雞蛋,一杯豆漿。中餐一份快餐,一個水果。晚餐自己開個小竈,煮點飯,加倆菜,睡前一杯奶。這樣一月的夥食大概是500-600。不過,如果你還年輕,身體暫時還沒有太多問題,這樣的食譜,夠你數年內不會有健康問題。
第二份,用來交朋友,擴大你的人際圈。這就寬裕了。你的電話費可以用掉100元。每個月可以請客兩次,每次150元。請誰呢?記住,請比你有思想的人,比你更有錢的人,和你需要感激的人。
每個月,堅持請客,一年下來,你的朋友圈應該已經為你產生價值了,你的聲望、影響力、附加價值正在提升,形象又好,又大方。
第三份,用來學習。每個月可以有50元—100元用來買書。錢不多,買的書就要認真閱讀,學會學了就用的精神。每一本書,看完後,就把它變成自己的語言講給別人聽,與人分享可以提高你的信譽度,並且,提升親和力。另外的200元存起來,每一個月參加一次培訓。從不間斷。等收入高一些了,或者有額外的積蓄,就參加更高級的培訓。參加好的培訓,既可以免費結交誌同道合的朋友,又可以學習平時難以領悟的道理。
第四份,用於旅遊,一年獎勵自己旅遊至少一次。生命的成長來自不斷地歷練。參加那種自由行的旅遊,住進青年旅社,地球其實並不大,每年都出門,幾年下來,就可以把紅旗插到地圖上,許多美好的回憶,成為生命的動力,更加有熱情和能量,去投入工作。
第五份,用來投資。先存起來,也可以用來做進貨的本錢,小本生意很安全,去批發點產品來賣,虧了反正也不多,賺呢,既賺了金錢,又賺了自信和膽量,還賺來做事情的閱歷。賺的錢多了,就可以開始購買長期的投資計劃,使自己提早獲得一份長久的保障,保證自己和家人在將來,不論發生什麽事情,都有一份充足的資金來照顧,生活品質不會下降。
好了,這樣熬了一年,第二年如果你還在拿2000元的收入,那就是你的不是了,這麽不長進,活著也夠丟臉的,看看有什麽品牌的豆腐比較硬,買一點來,用頭去撞吧。
月收入在3000元以下的,一定要兼職賺錢,不要窮,還很有個性,挑三揀四的,這個不願意做,那個沒有興趣。收入不高,一定要非常勤奮,盡量去找跟銷售有關的工作,銷售等。這就是很不錯的兼職工作,既可以認識很多有價值的人,又可以鍛煉自己的信息收集能力和營銷技巧。
衣服啊,鞋子啊,這一年你是得盡量少買了。最好全部通過你的兼職賺的錢去買。當作獎勵自己的一種方式。額外多賺錢的時候,記得買個禮物給你的愛人,謝謝他/她支持你的財務計劃。很坦誠地告訴他/她,為何你那麽勤儉,告訴他/她你的夢想和努力的方向。
到處都有需要幫助的生意人,兼職幫他們做點事情,去磨練自己的意誌、口才、和工作能力吧,加上你的理財技巧,第二年,你的收入至少要增加到5000元。最低也應該是3000元,否則你收入的成長還趕不上通貨膨脹呢。
無論你的收入是多少,記得分成五份。增加對身體的投資,讓身體始終好用,增加對社交的投資,擴大你的人脈,增加對學習的投資,加強你的自信,增加對旅遊的投資,擴大你的見聞,增加對未來的投資,增加你的收益。
保持這種平衡,逐漸你就會開始有大量的盈余。這是一個良性循環的人生計劃。身體將越來越好,得到更多的營養和照顧。朋友會越來越多,存儲許多有價值的人脈關系,同時,你也有條件參加那些非常高端的培訓,使自己各方面的羽翼豐滿,思維寬闊,格局廣大,性格和諧。而你,也就能夠逐漸實現自己的各種夢想,購買自己的需要的房子、車子,並且給未來的孩子準備一筆充足的教育基金。
人生是可以設計的,生涯是可以規劃的,幸福是可以準備的。現在就可以開始。在你窮的時候,要少在家裏,多在外面。在你富有的時候,要多在家裏,少在外面。這就是生活的藝術。窮得時候,錢要花給別人,富的時候,錢要花給自己。很多人,都做顛倒了。
窮得時候,不要計較,對別人要好。富的時候,要學會讓別人對自己好。自己對自己更好。窮要把自己貢獻出去,盡量讓別人利用。富,要把自己收藏好,小心別讓別人隨便利用。這些奇妙的生活方式,是很少人能夠明白的。
窮的時候,花錢給別人看。富的時候,花錢給自己享受。窮的時候一定要大方,富的時候,就不要擺闊了。生命已經恢復了簡單,已經回到了寧靜。
年輕不是過錯,貧窮無需害怕。懂得培養自己,懂得什麽是貴重物品,懂得該投資什麽,懂得該在哪裏節約,這是整個過程的關鍵。別亂買衣服,少買一點,但是可以買幾件很有品味的。少在外面吃飯,要吃就請客,要請,就請比自己更有夢想的、更有思想、更努力的人。
一旦生活需要的錢已經夠了,最大的花費,就是用你的收入,完成你的夢想,去放開你的翅膀大膽地做夢,去讓生命經歷不一樣的旅程。
經典語錄
哈佛有一個著名的理論:人的差別在於業余時間,而一個人的命運決定於晚上8點到10點之間。每晚抽出2個小時的時間用來閱讀、進修、思考或參加有意的演講、討論,你會發現,你的人生正在發生改變,堅持數年之後,成功會向你招手。
經典語錄:
無論你的收入是多少,記得分成五份進行規劃投資:增加對身體的投資,讓身體始終好用;增加對社交的投資,擴大你的人脈;增加對學習的投資,加強你的自信
增加對旅遊的投資,擴大你的見聞;增加對未來的投資,增加你的收益。好好規劃落實,你會發現你的人生逐步會有大量盈余。
經典語錄:
過去的一頁,能不翻就不要翻,翻落了灰塵會迷了雙眼。有些人說不出哪裏好,但就是誰都替代不了! 那些以前說著永不分離的人,早已經散落在天涯了。收拾起心情,繼續走吧,錯過花,你將收獲雨,錯過這一個,你才會遇到下一個。
經典語錄:
被人誤解的時候能微微的一笑,這是一種素養;受委屈的時候能坦然的一笑,這是一種大度;吃虧的時候能開心的一笑,這是一種豁達;無奈的時候能達觀的一笑,這是一種境界;危難的時候能泰然一笑,這是一種大氣;被輕蔑的時候能平靜的一笑,這是一種自信;失戀的時候能輕輕的一笑,這是一種灑脫。

Tuesday, July 30, 2013

癌症病人死不了了

癌症病人死不了了,不管還是不信治療方法終於找到了。 台大醫院胃腸科 王正一 醫師忠告--空腹吃水果,餐後要喝熱飲
口述: 王正一 教授 
台大醫學院 榮譽 教授
 
我的成功率為80%。癌症病人死不了了,不管你信還是不信,治療方法終於找到了。
對那些用常規療法治療癌症而死亡的患者,我深表遺憾。
他們中沒幾個存活5年,大多數用常規療法的病人僅活兩三年而已。
常規療法沒有任何作用,因為不用常規療法治,病人也活兩三年。
癌症病人一旦用了化療或放療,他們的細胞就中毒了,就衰弱了。
癌細胞就會因沒有強壯的抗體而得以迅速擴散。
 
吃新鮮水果
一說吃水果,我們就想到買說過,切成塊,大快朵頤。其實,沒那麼簡單。要講究吃水果的方法和時間。
什麼是正確方法呢?千萬別再飯後吃水果,一定要空腹吃鮮果。
這樣水果會起到身體殺毒作用,起到提供身體能量,消肥減瘦作用,以及參與生化活動的作用。
鮮果是重要食物。
.試想,你在吃兩片麵包後,又吃了一片水果。本來水果是要透過胃壁進入腸子的,但被食物擋住了。
水果一接觸到它們,配著胃酸,整個食物就壞了。飯前吃水果。
你會聽到有人抱怨:我一吃西瓜就愛打嗝兒,我一吃榴槤就脹肚,我吃香蕉愛拉稀,等等。
那是因為水果與胃中腐敗的食物混合後產生的氣體造成的。但是你腹吃水果,就不會出像上述情況。
白頭髮,禿頭謝頂,神經緊張,缺覺黑眼圈,在你空腹吃鮮果以後,以上症狀一概消失。
赫伯博士研究。因所有的水果到了身體都將變成鹼性,所以像桔子,檸檬這樣味道酸酸的水果,還是都屬於鹼性食物。
只要正確掌握吃水果的時間,你就掌握了問題的關鍵,讓水果助你美容,長壽。健康,富有活力,幸福和苗條。
當你想喝果汁,就喝鮮果汁,別喝罐裝果汁。也不要將水果或果汁加熱,否則出了味道尚存,其他所有營養全部流失。 
吃完整的水果比喝果汁好。
如果非要喝果汁,那就慢慢地一口一口地喝。讓果汁與唾液充分混合後再咽下。
你還可以連續三天只吃水果不吃它物,這樣你的身體得以清洗,容光煥發,令眾人驚喜。
奇異果(獼猴桃):小而精,富含鉀,鎂。維生素E,和纖維質。維C含量是桔子的兩倍。
一天一個蘋果,醫生找不到我。
蘋果雖含維C低,但它富含抗氧化劑並可提高維C的活性,從而有利於降低結腸癌,心臟病和中風的發病率。
草莓:人體衛士。含有最強抗氧化力的水果大王,保護機體免遭癌患,
血栓和自由基。
每日吃2-4個桔子:可抗感冒。降膽固醇,預防或化解腎結石,降低結腸癌風險。
西瓜:含水92%,是解渴最佳食品。所含大量的穀胱甘?能強化免疫系統。還含有關鍵的番茄紅素,抗癌氧化劑,維C,以及鉀。
芭樂和木瓜是維C冠軍。芭樂還含有高纖維,能治便秘。木瓜富含糊羅蔔素,對眼睛有好處。
飯後喝涼水等於得癌症 相信嗎?
涼水能將剛吸收的油質立刻變成固態,從而影響消化。
固態油脂在酸的作用下,變成小碎塊,比固體食物更易於被腸道吸收,並附著在腸子的內壁。
很快形成脂肪,導致癌的生成。所以餐後要喝熱飲
女同胞應該知道,並不是所有心臟病發作始于左臂疼痛。要警惕下顎的劇痛。
甚至從未首先感覺到前胸疼痛。通常伴隨的症狀還有噁心,大汗淋漓。60%心臟病人在熟睡時發作,再也沒醒過來。
下顎疼痛能疼醒。要細心,提高警惕。我們在這方面知識越多,存活的幾率越高。
一位心臟病專家說,如果將此檔轉發10人,你至少救活一人的生命。甚至也許是你自己!
 

Tuesday, January 15, 2013

Bank Islam chief economist suspended after predicting opposition win in upcoming election


Bank Islam chief economist suspended after predicting opposition
win in upcoming election
Business & Markets 2013
Written by Ho Wah Foon of theedgemalaysia.com
Tuesday, 15 January 2013 16:42

KUALA LUMPUR (Jan 15): Bank Islam Malaysia Bhd has suspended itschief economist Azrul Azwar Ahmad Tajudin from his duties after he predicted the opposition would win in the upcoming general election.

In a text message to theedgemalaysia.com, Azrul Azwar confirmed a report by Political Studies for Change (KPRU – Kajian Politik untuk Perubahan) that he had been suspended from his job and risked losing his position at Bank Islam after predicting the outcome of the next general election in favour of Pakatan Rakyat.

In a statement on Tuesday, KPRU -- an independent think tank -- urged Bank Islam to lift the suspension "to protect the right to freedom of speech of its employees".

Bank Islam, in response to telephone calls from theedgemalaysia.com, said in a brief statement: "Based on the current policy of Bank Islam Malaysia, any staff irrespective of their position, including the management level, whom the bank has reasonable grounds to believe has breached the bank’s internal policy, will be suspended with full pay, to facilitate investigation."

The 13th general election must be called by April this year. Azrul Azwar recently said "there is a high possibility" that the opposition would win the general election at a public forum.

KPRU said in its statement: "Given that Bank Islam has moved away from the opinion expressed by Bank Islam’s chief economist Azrul Azwar, thus the suspension of Azrul is indeed an extreme action." It added that losing Azrul Azwar "will potentially affect the reputation and credibility of Bank Islam as one of the nation's financial institutions."

Azrul Azwar is said to have served as an analyst at Meridian Asset Management, RHB Bank, Malaysia Industrial Development Finance and Islamic Financial Services Board.

Sunday, January 13, 2013

醫院真實的寫真 【沒時間也要看】


醫院真實的寫真 【沒時間也要看】   向這位醫生致敬   
持守真理得付出代價     
所以怎能沒有上帝

 年輕醫師講真話!再怎麼忙,也請抽空看一下!
 
一位年輕醫生自述:
一個金錢化社會的殘酷現實! 這是真的嗎?
  一位年輕醫生自述:有多少癌症病人成了唐僧肉出於求生的本能,每一個癌症患者都不甘心坐以待斃。 
殊不知,他們的求生欲望與求治要求,竟讓自己成為某些不良醫院各科室之間搶奪的 “唐僧肉”.....
一位年輕醫生的自述,讓我們看到了其中的秘密。
2009年,我從XX醫科大學腫瘤專業研究生畢業後,幸運地成為XX醫院腫瘤科的醫生。 
工作第一天,我穿上白大褂,和主任一起查房。 
查房一上午,共有40多個癌症病人,他們病情各不大相同,相同的是,對我們的話都言聽計從。 
第二天上午,我接診了一個肝癌晚期的老人。 
看他的影像片子,癌細胞已經全身轉移,沒有治療價值了。 
再說,從老人的穿著來看,家境並不太好,更沒有必要白花錢了。 
出於好心,我把老人的女兒叫到辦公室,建議她放棄治療。 
老人的女兒放聲大哭,傷心地把老人帶走了。 
不料,一個星期之後,我意外地發現老人竟然被收住院了! 
護士長告訴我老人回家後不甘心“等死”, 
把自己的房子賣了30萬,又掛了腫瘤科的一個專家號求治,當即就被專家收住院了。護士長還悄悄告訴我: 
老人還在病房裡說你醫德不行,自己沒本事治他的病,就讓他回家等死!

2009
11月底,我們腫瘤科發獎金時,平均一個人才多少! 
主任關上門 給我們開了個秘密會議: “咱們醫院實行的是績效考核,收人減去成本再乘以提成的百分比,才是科室的獎金。 
”他故意頓了頓,說:“不需要我多解釋了吧? 
你們用幾元錢的便宜藥,那是你們的自由,不過,你不能把自己當成菩薩下凡,讓大家陪你喝西北風“ 
主任的話音一落,大家的目光就齊刷刷地投向我,我臉上立即火辣辣的...... 
這件事沒過幾天,病房就住進一個患前列腺癌的退休人士,癌細胞也已經轉移腹腔了。 
有了前面的教訓,我試探性地找他的妻子談話: 
“我建議用相對好一點的藥物,因為這樣可以提高病人的生存品質..... 
我的話音未落,他的妻子就雞啄米似點頭:“什麼藥好就用什麼藥,我捨得給我們家老張花錢!” 
有了這句話,我放開了手腳,什麼藥貴上什麼藥。 
最後,老人在病房裡住了兩個月,共花費了40萬元,最總還是死了。
我心裡有鬼,自覺愧對老人。 可令我哭笑不得的是,家屬辦完後事,經專門給我送來一面錦旗,說我把病人當親人,努力提高了癌症晚期病人的生活品質。
20102月,我接診了一個早期肺癌病人,覺得有手術必要,就介紹給了胸外科一個醫生。 
沒想到,病人手術之後,胸外科醫生專門請我吃了頓飯,並給了我一個大紅包。 
我不要,他卻說:“這是你應該得的。 以後我那邊有要做化療的病人,也介紹給你。我們倆長期合作!”
然後,他還以過來人的身份“教育”我: “你是剛畢業不久的學生,現在摸清楚腫瘤科的工作流程沒有?
簡單來說就是這樣:來個癌症病人,先介紹到外科給他們做手術,讓外科把手術的錢賺到了,再把病人轉到化療科化療,然後再轉到放療科放療,等著些科室的錢都賺到了,再把病人扔到中醫科喝中藥。”
接下來的一件事,讓我終於驗證了這位外科醫生的話。 
有一個胃癌晚期病人,癌細胞已經腹膜轉移。 
可還是被轉到普外科做了手術,術後又轉到腫瘤科化療,放療科放療,中藥科喝中藥,如此折騰3個月,病人就死了。 
我曾偷偷調出病人的影像資料,一看就發現沒有手術必要。 
更加可笑的是, 有一回,有過一次合作經歷的那位胸外科醫生給我轉來一個肺癌術後病人。 
病人70多歲,早期肺癌,即使不做化療也可以長期生存。 
不料,我好心告訴他可以 保守治療的時候,他卻質問我:“癌症手術後化療放療 是常規治療,如果聽你的保守治療,我的癌症復發了你負責?”
其實,化療有很大的副作用,尤其是對這種年老體弱的癌症病人來說,副作用更是致命的。 
勉強挺過4個月療程的化療,老人的免疫力就急劇下降,肺癌也隨之復發,並出現了腦轉移。 
在家屬的強烈要求下,我們又給老人做了伽馬刀手術,結果導致了更大範圍的腫瘤轉移......如此折騰了一年多,老人終於在痛苦中死去了!
醫院不扶傷,醫生改經商。 患者求活命,錢財被套光。
這就是現代化醫院真實的寫真…

Tuesday, January 8, 2013

Interview Zairil says DAP is trying to “right a wrong”


Interview Zairil says DAP is trying to “right a wrong”
Politics & Government 2013
Written by Stephanie Sta Maria of fz.com
Tuesday, 08 January 2013 11:39

Zairil, DAP's "token Malay", says the incident has given him faith in DAP
as it puts integrity first

PETALING JAYA (Jan 8): Zairil Khir Johari has taken a stoic stand against the barrage of stinging remarks that have followed his recent - and unexpected - election into the DAP's Central Executive Committee(CEC).

DAP made headlines last week after it revealed that an error in the vote tabulation during last month's party election had placed the wrong person in the top 20 posts.

A vote recount found that Zairil, who was originally placed in 39th position, had in fact garnered enough votes to be elected to the 20th position.

The twist of events led to Zairil replacing Vincent Wu in a move that DAP chairman, Karpal Singh, admitted to be an "embarrassing mistake that should not have happened".

DAP's detractors meanwhile accused the party of staging a political ploy to win back Malay support by including a "token Malay" into the CEC.

A mainstream daily yesterday quoted former DAP vice-chairman, Tunku Abdul Aziz Tunku Ibrahim, as saying that the blunder was an "obvious attempt" by DAP to position itself as a Malay-friendly party.

Zairil, who currently holds the post of Assistant National Publicity Chief, said that DAP had anticipated this response but proceeded with the announcement nevertheless.

"We knew we would be ridiculed if we announced the error but we had no other choice," he told fz.com.. "There was no question about hiding it."

"It's very unfortunate that this has happened and we are trying to right a wrong. But this has also given me faith in the party leadership because although they knew it would make them look bad, they put integrity first."

The fact that Zairil, 30, is the youngest member of DAP's new CEC lineup and a two-year-old party member has made him both "glad and thankful" that he raked in enough votes to sit among the top 20.
"It is an honour," he said.

As to remarks that he is merely a "token Malay" in DAP, Zairil pointed out that if that were true then he wouldn't have been given the powers that he holds including that of press secretary to DAP Secretary-General and Penang Chief Minister, Lim Guan Eng.

"I have been given so many tasks and responsibilities, and you don't give that to people who are just token lah," he said.

"You give that to people who can work and I think I have proven myself in my work through the Penang Institute and party."

In the same manner that he brushed off the "token Malay" jibe, Zairil also refused to be provoked by the insinuation that he is not Malay by birth.

Two local dailies today referred to him as "Zairil Abdullah" in reference to old speculation that he is the stepson of former Education Minister, Tan Sri Mohd. Khir Johari.

"That is obviously not my name," he stated. "They are trying to malign me. That's all that I have to say about it."

Sunday, January 6, 2013

Lim Guan Eng: We cannot have 'one country, two tax systems'


Lim: We cannot have 'one country, two tax systems'
Business & Markets 2013

Written by Chittesh Shukla of theedgemalaysia.com
Monday, 07 January 2013 15:11

KUALA LUMPUR (Dec 7): The Democratic Action Party (DAP) is urging the federal government to avoid practising double standards by implementing a flat tax rate of 15% under the Returning Experts
Programme (REP) and in Iskandar Malaysia, but not for local experts with similar skill sets.

"BN is showcasing a double standard by discriminating against local experts who choose to remain in Malaysia rather than seek greener pastures overseas. The important question raised is why local experts
working in Malaysia are not accorded similar recognition for their commitment to their country," DAP secretary-general Lim Guan Eng said on Monday.

The objective of the REP was to encourage Malaysian experts working overseas to return to Malaysia by offering various incentives, including a flat income tax rate of 15% for five years.

According to Lim, similar double standards apply for experts and professionals working in Iskandar Malaysia, who enjoy the same flat income tax rate of 15%.

"Justice, fair play and a level playing field demands that this income tax rate be applied equally to all experts and professionals throughout Malaysia. We cannot have 'one country, two tax systems' which will make a mockery of the 1Malaysia concept!" he added.

"Should BN refuse to do so, Pakatan Raykat (PR) will implement this fair measure when PR wins Putrajaya to attract and retain human talent by adopting a flat 15% personal income tax rate for all experts whether returning to or already in Malaysia," Lim concluded.

Friday, December 28, 2012

China launches own global GPS system to rival US


China launches own global GPS system to rival US
Business & Markets 2012
Written by AFP
Friday, 28 December 2012 16:14

BEIJING (Dec 28): China has launched commercial and public services across the Asia-Pacific region on its domestic satellite navigation network built to rival the US global positioning system (GPS).

The Beidou, or compass, system started providing services to civilians in the region on Thursday and is expected to provide global coverage by 2020, state media reported.

Ran Chengqi, spokesman for the China Satellite Navigation Office said the system's performance was "comparable" to GPS, the China Daily said.

"Signals from Beidou can be received in countries such as Australia," he said.

It is the latest accomplishment in space TECHNOLOGY [] for China, which aims to build a space station by the end of the decade and eventually send a manned mission to the moon.

China sees the multi-billion-dollar programme as a symbol of its rising global stature, growing technical expertise, and the Communist Party's success in turning around the fortunes of the once poverty-stricken nation.

The Beidou system comprises 16 navigation satellites and four experimental satellites, the paper said. Ran added that the system would ultimately provide global navigation, positioning and timing services.

The start of commercial services comes a year after Beidou began a limited positioning service for China and adjacent areas.China began building the network in 2000 to avoid relying on GPS.

"Having a satellite navigation system is of great strategic significance," the Global Times newspaper, which has links to the Communist Party, said in an editorial.

"China has a large market, where the Beidou system can benefit both the military and civilians," the paper said.

"With increases in profit, the Beidou system will be able to eventually develop into a global navigation satellite system which can compete with GPS."

In a separate report, the paper said satellite navigation was seen as one of China's "strategic emerging industries".

Sun Jiadong, the system's chief engineer, told the 21st century Business Herald newspaper that as Beidou matures it will erode GPS's current 95% market share in China, the Global Times said.

Morris Jones, an independent space analyst based in Sydney, Australia, said that making significant inroads into that dominance anywhere outside China is unlikely.

"GPS is freely available, highly accessed and is well-known and trusted by the world at large," he told AFP. "It has brand recognition and has successfully fought off other challenges."

Morris described any commercial benefits China gains as "icing on the cake" and that the main reason for developing Beidou is to protect its own national security given the possibility US-controlled GPS could be cut off.

"It's that possibility, that they could be denied access to GPS, that inspires other nations to develop their own system that would be free of control by the United States," he said.