love statement

This what I believe in.. speaking abt love.

Run for God

Run for your future

If you see someone run along with you,

He got the 'potential'. :)

i need more sleep

Got soo busy this week..

Even busier once I knew I have to off somewhere at the beginning of next month when in the interim, I have to finish my thesis earlier since they changed the deadline of thesis defense into May 4. I couldn’t imagine how I can bear this. Bearing in mind that I also have to give lesson to Student Ambassador 2012 before they compete in the National level, as well, I need to accompany Michelle & Mario practice before competing in NUEDC in MKS. Moreover, I knew I cannot abandon my student (private English course), my Sunday School students, my C.A.R.E (teenager cell group). Overwhelming activities, huh?

If I could, I think I would propose a motion to duplicate my body into 5, 7, or ten perhaps..:P -- one to attend youth service, one to get more sleep, one to work on my thesis, one to coach SMA Lokon debate teams, and the rest I’d use for my overwhelming schedule above.. Pheeeww!!

As you could guess, I have been lacking my beauty sleeping time. Thank God I don’t have morning classes anymore, if so, I think I would probly need a pulley as in the picture above to keep my eyes open wide. J

Well, I need to back to work now.. back to work on my thesis.. (please pray for me yah! J)

And anyway, If any of you are like me -- trapped in the same cage of interminable ‘to-do-stuffs’, I’d like to share this to you:

“Whatever you do , work at it with all your heart, as working for the Lord, not for men. –Colossians 3:23”

Ssshhh..That’s my key to stay in joy while facing these ceaseless activities.. :D

*Motion for cessation of blogging raised*

Golf Ball

I would like to share what I came to learn just couple of weeks ago about How God use imperfect people for His glory.

All too often we put in mind that God only use perfect people. Just like a big corporation who hires only skillful people, we adopt the thought that if we’re imperfect, God won’t use us. I have to say this is an erroneous thought.

Here are some Biblical facts to proof that God also use imperfect people. Noah once drunk, but God still use him and protect His family and made them be the only people alive after the flood. Abraham was too old to have kid but God use him to show His glory that He can do what we think is impossible. David committed adultery and even set up a murder but, see, God uses him and even named him ‘the man after God’s own heart’.  Apostle Paul killed many believers, yet God still use Him to preach in many nations and even write almost half of the books in New Testament. Not to mention the story of Gideon, Elijah, Jeremiah, Peter and other disciples of Jesus, I believe that above examples could open our eyes to see that even we are imperfect, God can still use us.

Let me come to the fact that is used as an analogy. A Golf Ball. Have you ever think the reason why a golf ball has dimples instead of being perfectly round without those dimples? I personally think that if a golf ball have a perfectly round surface, it supposed to go further and quicker. The fact is: it’s not. I came to know the fact that the experts intentionally design these dimples to create wind resistance that enable a golf ball to fly even further. What can we learn from this golf ball? We can learn the fact that even we are imperfect and have many ‘dimples’, it is those dimples that causes us to gooo further in life.

I came to believe that God can use what we called ‘our weakness’ to bring Him glory. It is not that we have to ignore our weakness, instead, we have to acknowledge our weakness and imperfections, not to go around feeling beaten up, but to be thankful that when we are weak God can performs His greatest feast.

Here I come to the point that is most relaxing; the fact that we all have been equipped for the race God has design for us. Take heed of this, if God wants to create us with different look and different personality, He will. The thing is, if He created us just the way we are today, it is because He has a specific magnificent plan for us. Let’s rest in the thought that We are fearfully and wonderfully made and that God has never made mistake when He created us.

To finish, I’d like to say, Quit over analyzing yourself. Stop looking on what’s wrong with us, instead, take heed of how far we go, how far we accomplish, and how great God has been in our life. Don’t let devil intimidate you with the thought that you are not worthy in God’s sight. Lastly, Put on the breastplate of God’s approval!

God sees your availability instead of your ability.

cheerio!! :)

Rich Dad, Poor Dad (cont.)

Chapter 4: the History of taxes and the power of Corporations

-         Rich Dad did not see Robin Hood as a hero. He called Robin Hood a crook for robbing from the rich and give to the poor.

-         How did the rich outsmart the intellectuals? Once the “take-from-the-rich” tax was passed, cash started flowing into government coffers. Initially, people were happy. Money was handed out to government workers and the rich. It went to government workers in the form of jobs and pensions, and it went to the rich via their factories receiving government contracts. The government received a large pool of money, but the problem was the fiscal management of that money. The government ideal is to avoid having excess money. If you fail to spend your allotted funds, you risk losing it in the next budget. You would certainly not be recognized for being efficient. Business people, on the other hand, are rewarded for having excess money and are applauded for their efficiency. As the cycle of growing government spending continued, the demand for money increased, and the “tax-the-rich” idea was adjusted to include lower-income levels, down to the very people who voted it in, the poor and the middle class.

-         The financial IQ (the synergy of many skills and talents) is made up of knowledge from four broad areas of expertise:

·         Accounting : is a financial literacy or the ability to read numbers which allows you to identify the strengths  and weakness of any business. The more money you are responsible for, the more accuracy is required.

·         Investing : is the science of “money making money”.

·         Understanding Markets : is the science of supply and demand.

·         The Law : the awareness of accounting, corporate, state, and federal regulations.

-          In summary, business owners with corporations: earn, spend, pay taxes; Employees who work for corporation: earn, pay taxes, spend.

Chapter 5 : the Rich invent money

-         “Often in the real world, it’s not the smart who get ahead, but the bold.”

-         “The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth seemingly instantaneously. An untrained mind can also create extreme poverty that can crush a family for generations.”

-         Which one sounds harder to you? 1. Work hard. Pay 50% in taxes. Save what is left. Your savings then earn 5%, which is also taxed. OR 2.Take the time to develop your financial intelligence Harness the power of your brain and the asset column.

-         The problem with “secure” investments is that they are often sanitized, that is, made so safe that the gains are less.

-         “It is not gambling if you know what you’re doing. It is gambling if you’re just throwing money into a deal and praying.”

-         “Great opportunities are not seen with your eyes. They are seen with your mind.”

-         These skills are in addition to those required to become financially intelligent:

·         Find an opportunity that everyone else missed

·         Raise Money

·         Organize smart people

-         There is always risk, so learn to manage risk instead of avoiding it.

Chapter 6: Work to learn – don’t work for money

-         The main management skills needed for success are:

1.       Management of cash flow

2.       Management of system

3.       Management of people

-         “When I speak to adults who want to earn more money, I always recommend the same thing. I suggest taking a long view of their life. Instead of simply working for the money and security, which I admit are important, I suggest they take a second job that will teach them a second skill. Often I recommend joining a network-marketing company, also called MLM, if they want to learn sales skills. Some of these companies have excellent training programs that help people get over their fear of failure and rejection, which are the main reasons people are unsuccessful. Education is more valuable than money, in the long run.”

-         “The world is filled with talented poor people. All too often, they’re poor or struggle financially or earn less than they are capable of, not because of what they know, but because of what they do not know. They focus on perfecting their skills at building a better hamburger rather than the skills of selling and delivering the hamburger. Maybe McDonald’s doesn’t make the best hamburger, but they are the best at selling and delivering a basic average burger.”

Poor yet educated Dad	Rich Dad
-   Work harder and harder, become more competent, salary went up but like a professional athlete who suddenly are injured or are too old to play then the position is gone. -   -   “When I have some extra money, I’ll give it.” The problem was there was never any extra money.	-  Always encourage to work with people smarter than we were and to bring people together to work as a team. (synergy of professional specialties) -  “Give and you shall receive.”

-         “To be truly rich, we need to be able to give as well as to receive.”

-         “To receive money, you had to give money. Giving money is the secret to most great wealthy families.”

-         “The better you are at communicating, negotiating, and handling your fear of rejection, the easier life is.”

Chapter 7: Overcoming Obstacles

-         The primary difference between a rich person and a poor person is how they manage fear.”

-         There are five main reasons why financially literate people may still not develop abundant asset columns that could produce a large cash flow. Those are:

1.       Fear

2.       Cynicism

3.       Laziness

4.       Bad Habits

5.       Arrogance

-          “ I have never met anyone who really likes losing money. And in all my years, I have never met a rich person who has never lost money. But I have met a lot of poor people who have never lost a dime -- investing, that is.”

-          “For most people, the reason they don’t win financially is because the pain of losing money is far greater than the joy of being rich.”

-          “If you hate risk and worry, start early.”

-          “What I like best is the Texas attitude. They’re proud when they win, and they brag when they lose. Texans have a saying ‘If you’re going to go broke, go big. You don’t want to admit you went broke over a duplex.’ ” – Rich Dad

-          “Failure inspires winners. Failure defeats losers.”

-           Winning means being unafraid to lose.” – Fran Tarkenston

-         “I always tried to turn every disaster into an opportunity.” – John D Rockefeller

-         “We’re all heroes at something, and coward at something else.”

-         Cynics criticize, Winners analyze.

-         Often in life, there are people who are too busy to take care of their wealth and there are people too busy to take care of their health. The cause is the same. They are busy and they stay busy as a way of avoiding something they do not want to face. If they aren’t busy at work or with the kids, they’re often busy watching TV, fishing, or shopping. Yet deep down they know they are avoiding something important. That’s the most common form of laziness: laziness by staying busy.

-         How do you beat laziness? The answer is a little greed. So whenever you find yourself avoiding something you know you should be doing, then the only thing to ask yourself is, WII-FM (What’s in it for me?). Be a little greedy. It’s the best cure for laziness. Too much greed, however, as anything in excess can be, is not good.

-         “Guilt is worse than greed, for guilt robs the body of its soul.” – Rich Dad

-         “Do what you feel in your heart to be right – for you’ll be criticized anyway. You’ll be damned if you do, and damned if you don’t.” – Eleanor Roosevelt

Chapter 8: Getting Started         

-         “There is gold everywhere. Most people are not trained to see it.”

-         10 steps as a process to develop your God-given powers, powers over which only you have control:

1.       Find a reason greater than reality: the power of spirit

2.       Make daily choices: the power of choice

3.       Choose friends carefully: the power of association

4.       Master a formula and then learn a new one: the power of learning quickly

5.       Pay yourself first: the power of self-discipline

6.       Pay your brokers well: the power of good advice

7.       Be an Indian giver: the power of getting something for nothing

8.      Use assets to buy luxuries: the power of focus

9.       Choose heroes: the power of myths

10.   Teach and you shall receive: the power of giving

For more lesson, visit: richdad.com

Rich Dad, Poor Dad

I will come to share some lessons I gained by reading thru this Rich Dad, Poor Dad by Robert T Kiyosaki. Yeah I know some of you may be laughing at me for having to read this book in 2012 when this book first published in 1997. I gotta say, at least I read it and about to apply it. As for me, there’s nothing too late to start obtain control of our financial future.

Moreover, I know this book could help some of you in breaking the chains of poverty hence I don’t wanna keep the knowledge myself.. Enjoy learning readers! #thejoyofsharing J

POOR DAD	RICH DAD
The love of money is the root of all evil.	The lack of money is the root of all evil.
“I can’t afford it.” (statement: sign of mental laziness)	“How can I afford it?” (question)
Study hard so you can find a good company to work for.	Study hard so you can find a good company to buy.
“The rich should pay more taxes to take care of those less fortunate”	“Taxes punish those who produce and reward those who don’t produce”
“The reason I’m not rich is because I have you kids.”	“The reason I must be rich is because I have you kids.”
Forbade the subject of money to be discussed over a meal	Encourage talking about money and business at the dinner table
“When it comes to money, play it safe. Don’t take risks”	“Learn to manage risk”
“Our home is the largest investment and our greatest asset.”	“My house is a liability, and if your house is your largest investment, you’re in trouble.”
Believed in a company or government taking care of people and their needs (pay raises, retirement plans, medical benefits, sick leave, vacation days, and other perks)	Believed in total financial self-reliance.
“I’ll never be rich” – always refer himself as poor.	“I’m a rich man, and rich people don’t do this” – always refer himself as rich even he face financial setback.
“I’m not interested in money” or “Money doesn’t matter”	“Money is power.”

Money is one form of power. But what is more powerful is financial education. Money comes and goes, but if you have the education about how money works, you gain power over it and can begin building wealth.

Chapter 1: the rich don’t work for money

-         People’s lives are forever controlled by two emotions: fear and greed.

-         So many people say, “Oh, I’m not interested in money.” Yet they’ll work at a job for eight hours a day.

-         “We learned to make money work for us. By not getting paid for our work at the store, we were forced to use our imaginations to identify an opportunity to make money. By starting our own business, the comic-book library, we were in control of our own finances, not dependent on an employer. The best part was that our business generated money for us, even when we weren’t physically there. Our money worked for us.”

Chapter 2 : Why teach financial literacy?

-         Rich people acquire assets. The poor and middle class acquire liabilities that they think are assets.

-         Rule #1: You must know the difference between an asset and a liability, and buy assets.

-         An asset puts money in my pocket. A liability takes money out of my pocket.

-         A person can be highly educated, professionally successful, and financially illiterate.

-         “If you find you have dug yourself into a hole…stop digging.”

-         Japanese proverbs: Japanese are aware with three powers:

(1)   The power of sword: symbolizes the power of weapons

(2)  The power of jewel: symbolizes the power of money

(3)  The power of mirror: the power of self-knowledge

-         All too often, the poor and middle class allow the power of money to control them. By simply getting up and working harder, failing to ask themselves if what they do makes sense.

-         All too often, instead of trusting their inner wisdom, that genius inside, most people follow the crowd. They do things because everybody else does them. They conform, rather than question.

-         According to psychiatrists, the fear of public speaking is caused by the fear of ostracism, the fear of standing out, the fear of criticism, the fear of ridicule, and the fear of being an outcast. The fear of being different prevents most people from seeking new ways to solve their problems.

-         Fear is the main reason that people say, “Play it safe.” That goes for anything be it sports, relationships, careers, or money.

-         Schools were designed to produce good employees instead of employers.

-         The rich buy assets. The poor only have expenses. The middle class buy liabilities they think are assets.

Chapter 3: Mind your own business

-         The real assets fall into the following categories:

(1)   Business that do not require my presence. I own them but managed or run by other people.

(2)  Stocks

(3)  Bonds

(4)  Income-generating real estate

(5)  Notes (IOUs)

(6)  Royalties from intellectual property such as music, scripts, and patents

(7)   Anything else that has value, produces income or appreciates, and has a ready market

-         Financial struggle is often the result of people working all their lives for someone else

-         Start minding your own business. Keep your day-time job but start buying assets not liabilities.

(cont.)