2013年2月25日星期一

政府再出兩招遏抑樓市炒風


政府再次出兩招遏抑樓市炒風,包括全面調高物業買賣印花稅,二百萬元以上交易,稅率增加一倍,不過香港永久居民,買第一個物業或者樓換樓,就獲豁免,可以交原有稅率。另外,非住宅物業包括酒店、商舖、車位,就要提前在簽署買賣協議後,繳交印花稅。新招午夜起生效。  財政司司長曾俊華,連同多位官員,公布新一輪穩定樓價措施,其中一招是全面調高,物業買賣的印花稅,二百萬或以下的物業價格,


原本只需要交一百元印花稅,加到樓價的百分之1.5,其他交易額稅率,全面增加一倍。


樓價三百萬的物業,印花稅由百分之1.5,加到百分之3,


四百萬的物業,印花稅由百分之2.25,倍增到百分之4.5,樓價超過二千一百多萬的物業,印花稅是最高,加到百分之8.5。  


如果樓價是二百萬,印花稅由一百元,大幅加至三萬元。


樓價三百萬,要付的印花稅,就由四萬五千元加到九萬元,


六百萬的樓價,印花稅由十八萬加到三十六萬。  


不過,為免新措施影響用家置業,無物業和換樓的香港永久性居民,可獲豁免,繳交原有印花稅稅率。  另外,針對非住宅物業,包括工廈、商舖,酒店以至車位的價格不斷上升,政府建議修訂印花稅條例,買賣雙方要提早,在簽署買賣協議時繳交,而不是轉讓契約時繳付。  他表示樓市升勢持續,加上美國有可能在2015年前加息,有必要再出招。政府又認為,之前增加的額外印花稅,和買家印花稅有成效,這次沒有計劃調整這兩種印花稅。

2013年2月23日星期六

賽前最後準備 (紀嘉文)



賽前最後準備
馬拉松備戰專家 紀嘉文先生 - 渣打香港馬拉松2012半馬拉松男子挑戰組冠軍


無論參加馬拉松、半馬拉松還是十公里賽事,除了應有充足的個人訓練外,賽前準備、個人裝備如服飾、跑鞋等,對比賽的發揮也有關鍵性的影響。

賽前必須有充足的睡眠,調較好自己的生理時鐘,讓身體可適應早上起跑的時間及有足夠體力應付賽事。比賽當日要預早2-3小時起床,讓身體有足夠時間進入狀態。

賽事當日必須要吃早餐,應進食一些容易消化的食物,油膩食品可免則免。建議馬拉松及半馬拉松跑手吃一些碳水化合物,例如飯或意粉,儲存足夠能量。

起跑前做足熱身,進行慢跑及伸展運動以保持柔韌性。馬拉松及半馬拉松跑手別誤以為可將頭兩三公里當作熱身,比賽前同樣要做好熱身功夫。

上衣方面,應採用輕巧而透氣度高的衣飾,以速乾物料製造的更佳,可有助於運動期間讓身體散熱及保持衣物的乾爽度及重量,有助運動表現的發揮。若天氣清涼或寒冷時,可穿有袖上衣,但應採用高透氣的物料,以保持適當的體溫。起步前注意保暖,可在外穿上便利雨衣或一些舊衣物,上起跑線前才脫下。

跑褲方面,應盡量採用長度不過膝蓋的跑褲,以提升跑步時腿部動作的靈活性,不應妨礙抬腿的動作。天氣寒冷時,可採用具彈性的緊身運動褲,保護腿部肌肉。

跑鞋方面,切忌穿著新跑鞋作賽,選擇跑鞋時亦不應過緊,最好預大半個碼,因為跑步時腳掌會因充血而脹大。

報時器材方面,手錶是十分重要的,有助管理及控制比賽時的個人步速。部分跑馬拉松的朋友會有一條寫著個人步速時間的手帶,一方面控制個人步速,一方面提醒自己訂定的目標時間。

比賽期間,能量補給十分重要,因過了30公里後,身體能量已大量消耗,故很多跑手會帶備能量啫哩(power gel),以迅速補充能量。亦可飲用含有電解質的飲品補充身體能量。至於有關用量,則因人而議,應於練習時開始使用,以助身體適應及預計比賽時應用的份量。

另外,十公里參賽者謹記預留充足時間由比賽場地步行至起跑線,步程約10-15分鐘。

祝大家好運!比賽當日終點見!要吃早餐,應進食一些容易消化的食物,油膩食品可免則免。建議馬拉松及半馬拉松跑手吃一些碳水化合物,例如飯或意粉,儲存足夠能量。

起跑前做足熱身,進行慢跑及伸展運動以保持柔韌性。馬拉松及半馬拉松跑手別誤以為可將頭兩三公里當作熱身,比賽前同樣要做好熱身功夫。

上衣方面,應採用輕巧而透氣度高的衣飾,以速乾物料製造的更佳,可有助於運動期間讓身體散熱及保持衣ff物的乾爽度及重量,有助運動表現的發揮。若天氣清涼或寒冷時,可穿有袖上衣,但應採用高透氣的物料,以保持適當的體溫。起步前注意保暖,可在外穿上便利雨衣或一些舊衣物,上起跑線前才脫下。

跑褲方面,應盡量採用長度不過膝蓋的跑褲,以提升跑步時腿部動作的靈活性,不應妨礙抬腿的動作。天氣寒冷時,可採用具彈性的緊身運動褲,保護腿部肌肉。

跑鞋方面,切忌穿著新跑鞋作賽,選擇跑鞋時亦不應過緊,最好預大半個碼,因為跑步時腳掌會因充血而脹大。

報時器材方面,手錶是十分重要的,有助管理及控制比賽時的個人步速。部分跑馬拉松的朋友會有一條寫著個人步速時間的手帶,一方面控制個人步速,一方面提醒自己訂定的目標時間。

比賽期間,能量補給十分重要,因過了30公里後,身體能量已大量消耗,故很多跑手會帶備能量啫哩(power gel),以迅速補充能量。亦可飲用含有電解質的飲品補充身體能量。至於有關用量,則因人而議,應於練習時開始使用,以助身體適應及預計比賽時應用的份量。

另外,十公里參賽者謹記預留充足時間由比賽場地步行至起跑線,步程約10-15分鐘。

祝大家好運!比賽當日終點見!

2013年2月22日星期五

女人不奢望什麼

男人僅用幾分鐘做了爸爸,女人卻要付出一生去做媽媽

男人做一頓早餐你會感激,女人卻一日三餐,餐餐不誤
男人下班床上休息,女人下班廚房做飯
男人出門在外拈花惹草是生理需要,女人在家尋找心靈依靠是不守婦道
女人僅用步入婚禮殿堂的那一刻就會對你死心塌地,卻用一生都換不來男人的從一而終
女人可以原諒男人的朝三暮四,男人絕不容忍女人的紅杏出
女人為男人洗腳搥背是理所當然,男人幫著做點家務就覺得丟人顯眼


女人不奢望什麼
父母都健康她就安心
孩子放學進門叫一聲媽媽她就溫暖
你出門前給她輕輕一吻她就感覺好幸福
在她生氣的時候陪她發洩,不要轉身走開,她不需要冷靜
在她傷心難過的時候陪她說說心裡話,不要逼著她找陌生人傾訴
在她遇到危險的時候挺身而出,讓她感覺依靠你是對的
在她哭泣的時候給她寬厚的肩膀,讓她知道你是多麼在乎她
在她不舒服的那幾天為她打盆熱水,她就會記你一輩子
父母含辛茹苦把她養大,在她穿上婚紗的那一刻全身心卻都給了你、你就是她這輩子的寄託跟依靠
從此她為你生兒育女、為你孝敬父母、為你操持家務,先為公婆著想就是天經地義,先為自己的父母著想就是不會打理生活
可你想過沒有,她的父母又得到什麼了呢?
他們只希望女兒能跟著你幸福快樂,僅這點你做到了嗎?
男人別說你累
你在外奔波養家糊口是你的責任,你在家起早貪黑的付出是你的義務
男人別說你苦
女人為你生孩子時的苦掩蓋了傷口撕裂的痛

男人你別笑
女人比你寬容大度,她為了家為了孩子可以承受你一直的出
男人比女人小氣,為了所謂的那點尊嚴寧可捨棄為你付出一切的妻子,也不肯原諒她一時糊塗的犯錯
男人看看你的妻子,皺紋爬上了她的額頭,蒼老佔據了她的臉頰,白髮出現在了她的額頭,她的手也沒當初的細膩柔滑
這時候別嫌棄她,她嫁給你的時候是風華月貌的姑娘,到現在的失去風韻你想沒想過一切都是因為有了你,她把自己最美好的青春年華都給了你,而你卻在她為你變成黃臉婆、在她讓你失去激情的時候出去花天酒地
你心裡真的沒有絲毫不安嗎?你的良心真的很好受嗎?
婚姻裡沒有誰對不起誰,都是為了一個幸福快樂的家而彼此包容
只有誰不珍惜誰,錯過了才知道原來你離不開她
男人不要拿你的脾氣踐踏女人的尊嚴,她不是你的奴隸
男人不要拿你的性格挑戰女人的耐力,因為她並不欠你
男人落淚是想回家了,女人落淚是選擇離開了
不要在她離開時才說如何如何愛她,那時她的淚已乾、心已
女人容忍男人是大度,男人原諒女人就是懦夫,什麼是理所當然,善待彼此珍惜對方吧
過錯是一時的遺憾
錯過就是一生的遺憾

2013年2月17日星期日

美肌是怎樣睡成的


「睡得多皮膚自然好」,這句話看似老生常談,但怎樣才可從睡眠中取得最大的護膚效益?怎能一覺好眠?怎樣避免皮膚愈睡愈差?睡不夠怎補救?此等才是當中的學問所在。
 
最天然的特效護膚品
研究證實,從晚上十一至零晨三時,表皮細胞的新陳代謝最活躍,肌膚進行修復調整,新的細胞生長、老化角質細胞的排除都在此時段發生。
 
太晚睡或睡眠不足,都會使新陳代謝功能受阻,造成老化角質堆積增厚,肌膚失去透明感。另外,作息不正常也有可能導致荷爾蒙失調,造成身體新陳代謝能力下降,影響黑色素的形成與代謝、降低表皮層的修護能力,大大影響膚質。睡眠不足、夜睡也會造成眼睛周圍的血液循環不良,引起黑眼圈、眼袋或是白眼球布滿血絲的情況。在此期間熟睡,有效保持臉部皮膚嬌嫩,同時可將護膚品的效用提升。
 
另外,我們的身體有一套固定的排毒時間,如果睡眠不足,會把整個排毒過程搞亂,導致體內毒素積聚,不但影響膚質,還會影響身體的健康。把握以下排毒時間,進入熟睡狀態,可將毒素有效地排走,令細胞更健康,肌膚飽潤光澤。
 
身體排毒時間表 
2100-2300 免疫系統排毒
2300-0100 肝部排毒,需要在熟睡中進行
0100-0300 大腸排毒
0700-0900 小腸大量吸收營養(早餐時間,讓整天精力充沛)
從今晚開始,盡量在十一時前睡覺,你會體驗到睡眠美肌的力量。
 
天然香薰助眠
天然香薰的紓緩作用不用多說,英國水療品牌Elemis地區培訓經理Bernadette Negri提供了以下專業用法貼士。
 
怎樣利用天然香薰幫助入眠?
無法入眠時,以天然精油來薰香房間、按摩或浸浴。放滿一缸熱水,再滴入幾滴具放鬆功效的精華油浸泡其中,盡情享受空氣中的放鬆分子,或者用雙手替自己按摩,讓全身肌肉放鬆,便可輕鬆入眠。
 
利用香薰幫助入睡可有甚麼地方需要注意?
薰香器一般有蠟燭式及插電式兩種,功能上並無太大的區別。使用時,可依個人喜好營造出的薰香效果來選擇使用:一般蠟燭式的薰香器比較容易營造出浪漫的感覺,不過需要注意空氣流通問題,因為蠟燭燃燒會消耗室內空氣,產生二氧化碳,因此須注意空間不能完全密閉,必須保持室內通風。而插電式的薰香器則較蠟燭式薰香器安全,一般的設計能夠提供長時間的使用,即使整晚燃點也不用擔心會燒完薰香器中的水分。
 
懷孕期間可用甚麼天然香薰助眠?
孕婦不僅身體出現變化,情緒上亦會有所改變,容易失眠。孕婦不妨試試以精油來按摩或浸浴,或選擇有助紓緩神經幫助入眠的香薰油。不過需要注意並非所有香薰油都適合孕婦使用,最好還是向專業的香薰治療師諮詢。
 
保健子午覺
「子午覺」指的是子時(晚上十一時至凌晨一時)和午時(上午十一時至下午一時)這兩段時間的睡眠。據《黃帝內經》的睡眠理論,子時陰氣最盛,陽氣衰弱,此時睡眠效果最好,睡眠質量也最高。午時陽氣最盛,陰氣衰弱,「陰氣盡則寐」,所以午時也應睡覺。不過午休「小憩」半小時即可,否則會影響晚上睡眠。多睡子午覺,不失為保持健康的好方法。

2013年2月16日星期六

施永青減持港樓 買A股ETF 維持投資組合一半物業 一半金股債


施永青減持港樓 買A股ETF 維持投資組合一半物業 一半金股債

【明報專訊】中原地產為本地代理龍頭大行,身為中原地產創辦人的施永青在業界打滾35年,對本港樓市自有心得,去年他先後多次沽出住宅、商舖及商廈物業,至少套現5.72億元。他不諱言,本港樓市已失去高速增長動力,但沽貨並非看淡樓市,而是為了平衡投資組合,目的是要維持地產只佔私人投資組合的五成。沽出物業套現的資金,不少已投進A股ETF。
按本報此前統計,施永青去年大手沽貨,至少涉及7項物業,套現5.72億元,帳面獲利逾2.37億元(見表)。問到是否看淡樓市因而沽貨,施永青解釋說,在其私人投資組合,地產物業一向佔50%,自己無意改變這比例。但樓市近年持續大升,物業價值已佔其投資組合80%,故賣掉部分物業。
賣樓只因樓市大升 致組合失衡
施永青說,組合其餘五成包括股票、黃金、債券等。他說近期將套現所得資金,買入A股ETF,因為內地人受宏調所限,資金減少流入樓市,自然會利好內地股市。過去個多月,在港掛牌的A股ETF累積不少升幅(見表),比起持有物業,施永青應該進帳更多。
04年開始買金 近期買A股ETF
另外,早在2004年他已開始買黃金,在美國推出QE後亦有增持,因為不斷印銀紙,市場自然對貨幣系統產生恐懼,「負責任的政府不應亂印銀紙,在資產沒有增加下,但銀紙增加,即每一份銀紙配對的資產減少,所以一度對美金有顧慮。」
外資湧入內部增長推高樓價
施永青剖析,樓市升勢來自兩方面,一是外來的資金湧入,令到資產價格上升,另外亦靠內部增長,即經濟好景時,普通人的承擔樓價能力提升。本來內地經濟增長快,亦會有資金來港投資,但現時買家印花稅(BSD)卻限制了這些外來資金以及機構投資者。同時,香港內部增長動力不足,去年第3季本港GDP僅增1.3%,人均收入增長不多。故他對樓市前景有擔憂,「若人對經濟增長、政治有隱憂,如何長期憧憬樓市升?」
樓價春節前調整 料新盤會減價
短期而言,他預期本港樓市在農曆新年前會調整,因為SSD(額外印花稅)及BSD不但阻嚇炒家以及外來資金,連用家與長線投資者也會受影響,改持觀望態度。這批有實質需求的買家,將在農曆新年後入市支撐樓市反彈,但難以回到去年高位。他亦預料發展商上半年賣樓情况未見大改善下,將要減價去貨,今年市場將受一手市場帶動回落。
「本來作為自由港,資金流入,樓市會升,但租金未升得咁快,當然有樓在手的人會着數好多。現時樓市造成內部分化,有樓的人等於收兩份糧,份糧還要唔使做就袋落袋,點會(有人)不眼火爆?如果我年輕一點,我都會上街啦。」
樓市致內部分化 有樓者如收雙糧
他認為BSD及港人港地政策根本不能對症下藥,即使規定只售給港人,仍有本港炒家能入市,用家未必夠爭,較佳的做法是只在新盤市場設限,毋須在整個市場限制外來買家。「更全面的解決方法,應該是撥地起樓賣予首次置業人士,地產商知道只能賣給資金有限的上車人士,售價自然會低點。」
BSD港人港地無效 應起樓限賣首置
施永青主張,現時樓市風險大,用家不應輕易入市。除非本身能支付五成首期,每月供款少於入息三分之一。施永青又看淡舖租升幅,目前其手持物業中商舖已所餘無幾。「現時港人話抗拒自由行,內地人一樣會感覺到,香港好處是近(內地)、免稅,但內地人不一定來香港購物,可以到澳門買,最近海南島都話提高免稅金額」。他續稱,前一輪內地經濟不景,近期又傳中央銳意加強反貪腐,高檔奢侈品銷情未必繼續暢旺。

2013年2月13日星期三

孕婦補充葉酸或防嬰兒自閉


研究報告顯示,母親在懷孕開始前4周至懷孕開始後8周服用葉酸補充劑,可降低孩子患自閉症的風險。
美國醫學會雜誌13日刊登的報告稱, 挪威公共衛生研究所的科學家調查了8.5萬多名兒童及其母親孕期服用葉酸的情況。這些兒童出生於2002年至2008年,到2012年3月31日隨訪結束時,他們的年齡在3.3歲至10.2歲之間,平均年齡為6.4歲。
隨訪期間,共有114名兒童被診斷出患自閉症。科學家發現,母親在孕前至孕初期服用葉酸,其孩子患自閉症的風險比母親未服用葉酸的孩子減少近40%。但母親在孕中期服用葉酸,則不會降低孩子患自閉症的風險。
葉酸屬於維生素B類物質,天然存在於綠葉蔬菜內,也可人工合成。它是細胞正常生長、DNA(脫氧核糖核酸)合成及修復所需的重要營養成分。
自閉症是一種嚴重的精神發育障礙,症狀一般在3歲以前就會表現出來,主要特徵是漠視情感、拒絕交流、語言發育遲滯、行為重複刻板、活動和興趣範圍具有顯著局限性等。

2013年2月5日星期二

21 Ways Rich People Think Differently

World's richest woman Gina Rinehart is enduring a media firestorm over an article in which she takes the "jealous" middle class to task for "drinking, or smoking and socializing" rather than working to earn their own fortune.

What if she has a point?

Steve Siebold, author of "How Rich People Think," spent nearly three decades interviewing millionaires around the world to find out what separates them from everyone else.

It had little to do with money itself, he told Business Insider. It was about their mentality.

"[The middle class] tells people to be happy with what they have," he said. "And on the whole, most people are steeped in fear when it comes to money."

1. Average people think MONEY is the root of all evil. Rich people believe POVERTY is the root of all evil.

"The average person has been brainwashed to believe rich people are lucky or dishonest," Siebold writes.

That's why there's a certain shame that comes along with "getting rich" in lower-income communities.

"The world class knows that while having money doesn't guarantee happiness, it does make your life easier and more enjoyable."

2. Average people think selfishness is a vice. Rich people think selfishness is a virtue.

"The rich go out there and try to make themselves happy. They don't try to pretend to save the world," Siebold told Business Insider.

The problem is that middle class people see that as a negative––and it's keeping them poor, he writes.

"If you're not taking care of you, you're not in a position to help anyone else. You can't give what you don't have."

3. Average people have a lottery mentality. Rich people have an action mentality.

"While the masses are waiting to pick the right numbers and praying for prosperity, the great ones are solving problems," Siebold writes.

"The hero [middle class people] are waiting for may be God, government, their boss or their spouse. It's the average person's level of thinking that breeds this approach to life and living while the clock keeps ticking away."

4. Average people think the road to riches is paved with formal education. Rich people believe in acquiring specific knowledge.

"Many world-class performers have little formal education, and have amassed their wealth through the acquisition and subsequent sale of specific knowledge," he writes.

"Meanwhile, the masses are convinced that master's degrees and doctorates are the way to wealth, mostly because they are trapped in the linear line of thought that holds them back from higher levels of consciousness...The wealthy aren't interested in the means, only the end."

5. Average people long for the good old days. Rich people dream of the future.

"Self-made millionaires get rich because they're willing to bet on themselves and project their dreams, goals and ideas into an unknown future," Siebold writes.

"People who believe their best days are behind them rarely get rich, and often struggle with unhappiness and depression."

6. Average people see money through the eyes of emotion. Rich people think about money logically.

"An ordinarily smart, well-educated and otherwise successful person can be instantly transformed into a fear-based, scarcity driven thinker whose greatest financial aspiration is to retire comfortably," he writes.

"The world class sees money for what it is and what it's not, through the eyes of logic. The great ones know money is a critical tool that presents options and opportunities."


7. Average people earn money doing things they don't love. Rich people follow their passion.


"To the average person, it looks like the rich are working all the time," Siebold says. "But one of the smartest strategies of the world class is doing what they love and finding a way to get paid for it."

On the other hand, middle class take jobs they don't enjoy "because they need the money and they've been trained in school and conditioned by society to live in a linear thinking world that equates earning money with physical or mental effort."

8. Average people set low expectations so they're never disappointed. Rich people are up for the challenge.

"Psychologists and other mental health experts often advise people to set low expectations for their life to ensure they are not disappointed," Siebold writes.

"No one would ever strike it rich and live their dreams without huge expectations."

9. Average people believe you have to DO something to get rich. Rich people believe you have to BE something to get rich.

"That's why people like Donald Trump go from millionaire to nine billion dollars in debt and come back richer than ever," he writes.

"While the masses are fixated on the doing and the immediate results of their actions, the great ones are learning and growing from every experience, whether it's a success or a failure, knowing their true reward is becoming a human success machine that eventually produces outstanding results."

10. Average people believe you need money to make money. Rich people use other people's money.

Linear thought might tell people to make money in order to earn more, but Siebold says the rich aren't afraid to fund their future from other people's pockets.

"Rich people know not being solvent enough to personally afford something is not relevant. The real question is, 'Is this worth buying, investing in, or pursuing?'" he writes.



11. Average people believe the markets are driven by logic and strategy. Rich people know they're driven by emotion and greed.


Investing successfully in the stock market isn't just about a fancy math formula.

"The rich know that the primary emotions that drive financial markets are fear and greed, and they factor this into all trades and trends they observe," Siebold writes.

"This knowledge of human nature and its overlapping impact on trading give them strategic advantage in building greater wealth through leverage."

12. Average people live beyond their means. Rich people live below theirs.

"Here's how to live below your means and tap into the secret wealthy people have used for centuries: Get rich so you can afford to," he writes.

"The rich live below their means, not because they're so savvy, but because they make so much money that they can afford to live like royalty while still having a king's ransom socked away for the future."

13. Average people teach their children how to survive. Rich people teach their kids to get rich.

Rich parents teach their kids from an early age about the world of "haves" and "have-nots," Siebold says. Even he admits many people have argued that he's supporting the idea of elitism.

He disagrees.

"[People] say parents are teaching their kids to look down on the masses because they're poor. This isn't true," he writes. "What they're teaching their kids is to see the world through the eyes of objective reality––the way society really is."

If children understand wealth early on, they'll be more likely to strive for it later in life.

14. Average people let money stress them out. Rich people find peace of mind in wealth.

The reason wealthy people earn more wealth is that they're not afraid to admit that money can solve most problems, Siebold says.

"[The middle class] sees money as a never-ending necessary evil that must be endured as part of life. The world class sees money as the great liberator, and with enough of it, they are able to purchase financial peace of mind."

15. Average people would rather be entertained than educated. Rich people would rather be educated than entertained.

While the rich don't put much stock in furthering wealth through formal education, they appreciate the power of learning long after college is over, Siebold says.

"Walk into a wealthy person's home and one of the first things you'll see is an extensive library of books they've used to educate themselves on how to become more successful," he writes.

"The middle class reads novels, tabloids and entertainment magazines."

16. Average people think rich people are snobs. Rich people just want to surround themselves with like-minded people.

The negative money mentality poisoning the middle class is what keeps the rich hanging out with the rich, he says.

"[Rich people] can't afford the messages of doom and gloom," he writes. "This is often misinterpreted by the masses as snobbery.

Labeling the world class as snobs is another way the middle class finds to feel better bout themselves and their chosen path of mediocrity."

17. Average people focus on saving. Rich people focus on earning.

Siebold theorizes that the wealthy focus on what they'll gain by taking risks, rather than how to save what they have.

"The masses are so focused on clipping coupons and living frugally they miss major opportunities," he writes.

"Even in the midst of a cash flow crisis, the rich reject the nickle and dime thinking of the masses. They are the masters of focusing their mental energy where it belongs: on the big money."

18. Average people play it safe with money. Rich people know when to take risks.

"Leverage is the watchword of the rich," Siebold writes.

"Every investor loses money on occasion, but the world class knows no matter what happens, they will aways be able to earn more."

19. Average people love to be comfortable. Rich people find comfort in uncertainty.

For the most part, it takes guts to take the risks necessary to make it as a millionaire––a challenge most middle class thinkers aren't comfortable living with.

"Physical, psychological, and emotional comfort is the primary goal of the middle class mindset," Siebold writes.

World class thinkers learn early on that becoming a millionaire isn't easy and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty."

20. Average people never make the connection between money and health. Rich people know money can save your life.

While the middle class squabbles over the virtues of Obamacare and their company's health plan, the super wealthy are enrolled in a super elite "boutique medical care" association, Siebold says.

"They pay a substantial yearly membership fee that guarantees them 24-hour access to a private physician who only serves a small group of members," he writes.

"Some wealthy neighborhoods have implemented this strategy and even require the physician to live in the neighborhood."

21. Average people believe they must choose between a great family and being rich. Rich people know you can have it all.

The idea the wealth must come at the expense of family time is nothing but a "cop-out", Siebold says.

"The masses have been brainwashed to believe it's an either/or equation," he writes. "The rich know you can have anything you want if you approach the challenge with a mindset rooted in love and abundance." 

2013年2月2日星期六

勿太在乎別人看法


「我再也受不了,我真的想死掉算了。」
  最近,一名被朋友出賣後更被「惡人先告狀」,把他的事情扭曲散播,讓所有人都怕了他,以為他就是那人所描述的那樣。他覺得自己每天上班都像被無數眼睛窺視,每人交頭接耳都彷彿在談論他的是非,害他幾乎崩潰。他想過辭工、搬家、換過一批朋友,但是,我跟他說,這樣真的有用嗎?
  李嘉誠曾經說過:「太在乎別人看法只有兩種結果,一個是自己很累,另一個就是被別人玩死,因為人家知道怎麼弄你。」
  受傷是我們無法控制的一回事,但是,是否示弱人前,又是另一回事。如果真的問心無愧,幹嗎要逃避?你愈是介意甚麼,人家愈是懂得如何把你置諸死地。所以即使我們無法讓自己真的沒事,至少,也得在人前若無其事,才能避開二度傷害,避免被他人落井下石的機會。
  不累死便被玩死
  不一定只有位居高處的人,才得面對這個問題,即使是讀幼稚園的小朋友,以至一言一行都被注視的公眾人物,同樣面對着他們自認為剛好超過他們承受負荷的重量。中學生會因為承受不了同學的排擠與嘲笑而自殺,成年人也會因為受不了同事與他人的閒言閒語,做出各種自毀或者同歸於盡的儍事。在網絡如此發達的今日,即使你是Nobody,你也可能因為不小心得罪了某人而被人扭曲傷害,把你的照片貼在討論區,讓大眾把你「凌遲處死」。
  太在乎別人看法,不是累死,便是被玩死,不管怎麼死,都只會讓討厭你的人笑死,教珍惜你的人心痛死而已。