Talking To Your Parents & Kid's About Money

1.Have an overview of all your parents assets


2.How much cash your parents have

3.Your parents total assets in Local & Overseas Bank

4.Your parents another assets, such as gold bars & properties

5.Ask about their income ( Passive, if they are retired and their expenses )

6.Get an understanding of their preferred retirement lifestyle

7.Get an understanding of their interest and activities to obtain an indication of how much money is needed

8.Ask about your parents liabilities, such as education fees, mortgages, family loans or debt from past business failures

9.You should identify your parents monthly expenses, and whether they need financial assistance

10.Should your parents need RM1,000 a month ?? You should responsible and able to discuss among themselves as to who should be assisting or how much each child should be contributing


Liabilities ??
When talking about their liabilities, you can inquire about any contract they have signed ??



Not to
While you talking about their liabilities, you may not and probably should not questions their decisions, do check if they are carrying liabilities that could be transfered to you.



Don't let your kids become a " money pit "
By the time kids primary & secondary school, they'll be pulling at the purse strings on a daily basis with request for everything from clothing to concert tickets. The advice is ; Don't Make it so easy for them. " If money is too easy to get, kids get the idea that they can have anything they want without caring about the family finances. "

Johnny Kang - JK
  30 JAN 2011
   08 : 20 PM

Be Patient With Yourself

  If you don't reach your goals the first time you try, don't see it as failure. Remember that you have learned something and will do better next time. The way to develop self-confidence is to know that, no matter what happens, you will grow from the experience.


  It is easy to become impatient and frustrated, but just imagine what life would be like if Thomas Edison gave up trying to invent the electric light after failing thousands of times. He had lots of ideas and the patience to carry them out. When asked about the attempts that didn't work, Edison allegedly said something like, " I didn't fail 10,000 times ; I just found 10,000 ways that didn't work. "

  Yes, as well as being patient, he was persistent, and the two do go together : One could say that you need to have the patience to be persistent, or vice versa. The real truth you have the answers or trusting your ability enough that you know you will find them. That is the essence of self-confidence.

  Self-confidence doesn't come from sitting on your hands and waiting for something to happen. It is about throwing everything you have against the wall and waiting ( patiently ) for something to stick. Then you have to take your time to refine your projects. For many, that is the hardest part of the process. Great innovators can be very impatient when it comes to the implementation of their ideas.

  Remember that when you are being impatient with yourself, there is no one who can defend you. Our self-imposed " Deadlines " really need to be changed to " Preferred Time Lines. " If you miss a deadline, it unconsciously creates anxiety because a part of your brain actually feels as though you will die if the job doesn't get done. That also happens when a person doesn't give you what you think you want, when you think you need it. Your mind is really telling you that you may lose something very important to you and that can cause some panic. When you are stressed in that way, getting anything done is more problematic.

  Practicing patience, by forcing yourself to take your time, can also be done by realizing how you react with people you are close to. If you are impatient with them it is likely that you will be the same way with yourself, and that shows a lack of self-confidence. Learn how to be more patient with yourself when life gets in the way or requires more time than you budgeted, by working harder on going with the flow. If you feel yourself starting to get antsy, take a patience pill by simply reminding yourself that Rome wasn't built in a day, and whatever you are involved in is worth the time you are investing.

  Patience may be a virtue, but if is also a necessity in achieving and living a self-confident life.


Johnny Kang -JK
  27 JAN 2011
   03 : 36 AM

Push Through The Upset

 
  You had a great plan for the day ahead. You even went to bed early so you could wake up with a little more energy to put to your project du jour, but something happened. Somewhere in the night, upset struck your unconscious, or perhaps you got an early morning phone call or nudge, and a problem you had not anticipated occurred. So much for your best-laid plans.


  When the unexpected happens, we usually get a little anxious ; sometimes we totally freak out. Again, whenever most people get derailed, their confidence is shaken, and they can change direction ( or just get lost ) and have difficulty getting back on track.

  Here's an alternate way to keep your focus and move forward in the process : Instead of putting your project attention, take the time to do what you were going to do in the first place. By not allowing yourself to be thrown off course, you are keeping control. If you can sit down and complete your goal, despite your current ( and most likely momentary ) circumstances, you will build your self-cofidence and won't lose any ground.
  Being able to focus, even though you are stressed, and get the job done gives you the knowledge that, no matter what happens, you can avoid internal musings and excuses. Doing what need to be done, regardless of temporary setbacks, will make you proud of yourself. It also produces a secondary positive outcome, which is a greater ability to focus on the problem that caused the upset, because you won't be thinking of what you haven't gotten done.

  You will also gain more clarity, and maybe even some additional ideas of how to deal with your dilemma while finishing the work you had planned to do. Any time you can use your unconscious to help you create some problem-solving skills, do it. We have all experienced getting better ideas once our minds are actually off a problem we are trying to solve.

  In addition, you may be able to channel your nervous energy into something much better. Just being frenetic and ignoring what you had planned to do doesn't help you or anyone else. But if those around you see that, even though the world is going to hell in a handbasket, you can still get the job done, then everyone involved feels more confident about you.

  Sometimes putting out fires can be a way of avoiding what you really need to be doing. So make sure the emergency is real and you truly are needed before you put your priorities on the shelf. The truth is that you do have the ability to get your homework done and save the world.


Johnny Kang - JK
   14 JAN 2011
    03 : 41 AM

Negativity Kills Confidence

Negative environments where people are harsh or even abusive to one another are toxic. No one tries to lift

you or anyone else out of the pain, and no one can find emotional or even physical comfort - that you will lower your self-worth and perhaps even your will to live.

 This isn't about having the occasional bad day or moment. It's about living and/or working in an environment that brings or puts you down. When someone is constantly telling you that you're not good enough, eventually, if you stay around a while, you will start to believe it.

 Only two creatures on the planet, if you continually tell them they are bad, will take it in and believe it : dogs and humans. We have all seen dogs whose spirits have been broken. They walk around with their tails between their legs and their heads down. They get startled or sacred very easily, and can react with fear aggression ( barking or growling when they are frightened ). The poor things never seem to feel safe and secure. They have lost their wag, and it's sad to see.

 People tend to react in similar ways when they are living with someone who puts them down on a regular basis or they are working for a company that manages by intimidation. There is very little joy to be found here, and one's sense of self-confidence can be easily shattered. Most people in such places are unable to find the strength they need to battle the forces that are attacking them because they have simply run out of energy.

 The trick here is to step back far enough to get some perspective, and, if the circumstances i just descibed truly exist, and counseling hasn't worked or is refused, the best move may be to just leave. I know that's drastic, but staying in a negative environment or relationship because you are afraid to leave is also known as "battered person's syndrome," such as when abused women continue to go back to the home of their abusers. They do it because the devil they know is better than the one they don't ( as they mistakenly think ). They are returning to what is familiar.

 Confidence cannot exist within an aura of meanness. To find yourself and rebuild what has been taken from you, leaving a bad environment may be the answer. This requires a type of inner strength that helps you believe in yourself and to know that you do not deserve to be treated badly, no matter what another person says. You have finally had enough, and you reach down to the depths of your soul and pull up whatever shreds of self-respect you can find. The feeling may only last for a few hours, but use that time to pack or write your resignation, because you will never ba able to flourish where negativity and horrific behavior are allowed to run rampant.

 Once most people get out of a negative environment or relationship, one of the first things they do is castigate themselves by saying, " Why did it take me so long ? " But that thought is totally self-defeating. It took as long as it took ; do not waste any more time feeling beat up. At this point you may actually be used to it and not even see that you are doing it to yourself. As soon as you are aware you've changed the behavior, all you have to do next is whatever is in front of you. Leave the past, and the old behaviors, behind. Accept that you had the strength to change your life. It's okay to feel good about yourself.

Johnny Kang - JK
   12 JAN 2011
     3 : 22 AM

Instant Cofidence Builders

1. Wash your hands and face, and brush your teeth. It cools your body, which is relaxing, and gives you that "fresh start" feeling.
2. Look at any diploma or certificate of achievement you have. And if it isn't framed and on the wall, do it now. These are reminders of your accomplishments, and taking in your success is important to maintaining your confidence.
3. Remember your last ( or greatest ) success and think about it for 60 seconds. Taking in your success as often as possible will help you reach another and another. Quite simply, it reminds you that, because you have done it before, you can do it again.
4. Give yourself a good shave ( face or legs ). It's another instant refresher, and, in addition, when we know we are looking our best, we are naturally more confident.
5. Know you are the person your kids or other loved ones think you are. Knowing that you are unconditionally loved can't help but make you feel good about yourself.
6. Wash your car, inside and out. Hey, when our wheels shiny, we feel better. If you don't think this applies to you, just remember how you felt the last time you got a ride in someone's very funky car. Race you to the car wash.
7. Put on clean socks and shoes you haven't worn in a few days. Shoes take a day or two to release any moisture they have absorbed. and this is a very easy way to put a little pep back into your step.
8. Organize your closet and get rid of anything that no longer fits. Old clothes may come back into style, but you really don't want them on hangers for the next 20 years. Throwing put the old makes room for the new. For some, the feeling they get from putting on a new " POWER SUIT " fills them with self-esteem.
9. Cook a lovely meal. Even if you are by yourself, preparing a tasty dinner, setting the table, and treating yourself to a wonderful culinary experience will lift your spirits. Sharing it with saomeone you love and/or respect will make it even more nurturing.
10. Look around you, remember that you started with nothing, and know that everything you see, you created. We can all lose our feelings of self-worth, especially when something goes wrong in our world. The real truth is that, if you have done it before, you can do it again No matter what.

 

  None of these tasks has to be uncomfortable, and won't take you much time. Finding ways to give yourself a little boost when you're not feeling at the top of your game is a trick that truly confident people use on a regular basis.

 

 

  Johnny Kang - JK

     10 JAN 2011

      12 : 20 AM

What is Confidence ??

    A person grows whenever he or she thinks, contemplates, and dreams. Your ideas, reflections, and even random thoughts can build your self-confidence, but you have to be aware of them to get the full benefit.

   

    Research tells us that the human brain can think of five to nine things at the same time, so it can be a bit challenging to isolate and identify the confidence building thoughts from those that do you no good.

   

    Realizing that you have confidence within you, even if it has been hiding for a while, is the first step in reinforcing it. Deciding that you want to retain and focus on your self-cofidence is the next one. By first finding it, you then have the ability to harness it.

   
    For many who live with doubt, or are in challenging situations, believing that they are even capable of feeling cofident can be difficult. I recommend that, if you are feeling this way, you find some quiet reflection time to help you see that somewhere inside you lies a confident thought or two. And that is all you need to get to the next level.
   
    To get to this point, it can help to remember a time when you felt good about yourself and your life. Those are confident memories, and we all know that if you've done it before, you can do it again. Reflecting on past success and allowing yourself to feel the positive emotions connected with them will help you create a greater ability to tap into your cofidence, because you aren't just wishing and hoping; you are seeing that you really have been ( and can be ) a more self-confident person.
   
    Those little pieces of success, pride, and assurance are like seeds: If you plant them, give them a little sunlight and water ( or in this case some time and thought ), you will begin to feel better about yourself and what you are doing.
   
    Even though this exercise doesn't involve lifting weights or even putting on your sneakers, it is a workout for your emotions. Initially most people are a little relucant, partially because it's unfamiliar territory, which always produces a touch of anxiety. Pushing through your discomfort and actually working on identifying where your confidence lies is a task that, when completed, you will be thankful you took on.
   
    Once you get in touch with the reality that you have the ability to believe in yourself ( because you have had it before ), your life will get a little easier and most likely a lot more fun.
   
    Confidence isn't about taking over the world; it is about enjoying your world as much as possible. It doesn't take much, and you do have it inside your heart and soul, so take a little time and look for it. I think you will be more than pleased with yourself by what you find.

Johnny Kang - JK
   07 JAN 2011
    05 : 10 AM

Motivational Topic - Part 1

1.The thing always happens that you really belief in a thing makes it happen.

2.A failure is a man who has blundered, but is not able to cash in on the experience.

3.There is only one success to be able to spend your life in your own way.

4.Success is sweet, the sweeter if long delayed and attained through manifold struggles

5.The secret of success is to know something nobody else knows.

6.The greatest results in life are usually attained by simple means and the exercise of ordinary qualities. These may for the most part be summed in these two common-sense and perseverance.

7.Failures do what is tension relieving, while winners do what is goal achieving.

8.The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack in will.

9.I cannot give you the formula for success, but i can give you the formula for failure, which is: try to please everybody.

10.Success does not consist in never making blunders, but in never making the same one a second time.

11.The secret of success in life is for a man to be ready for his opportunity when it comes.

12.Success is the good fortune that comes from aspiration, despiration, perspiration and inspiration.

13.The surest way not to fail is to determine to succeed.

14.If you wish success in life, make perseverance you bosom friend, experience your wise counselor, caution your elder brother, and hope your guardian genius.

15.Impatience never commanded success.

16.The talent of success is nothing more than doing what you can do well.

17.To climb steep hills requires a slow pace at first.

18.Try not to become a man of success but a man of value.

19.The man who makes a success of an important venture never wails for the crowd, he strikes out for himself, it takes nerve, it takes a great lot of grift; but the man that succeeds has both, anyone can fail, the public admires the man who has enough confidence in himself to take a chance, these chances are the main things after all, the man who tries to succeed must expect to be criticized, nothing important was ever done but the greater number consulted previously doubted the possibility, success is the accomplishment of that which most people think can't be done.

20.If at first you don't succeed, try and try again, then quit, there's no use being a damn fool about it.

21.The ability to convert ideas to things is the secret to outward success.

22.The ability to concentrate and to use your time well is everything if you want to succeed in business or almost anywhere else for that matter.

23.A wise man will make more opportunities than he finds.

24.In everything the ends well defined are the secret of durable success.

25.Winning isn't everything but wanting to win is the one.

26.Failures do what is tension relieving, while winners do what is goal achieving.

27.A man should have any number of little aims about which he should be conscious and for which he should have name for, nor consciosness concerning, the main aim of his life.

28.Goals are the fuel in the furnace of achievement.

29.The great and glorious masterpiece of man is to know how to live to purpose .

30.The significance of a man is not in what he attains but in what he longs to attain.

31.Every ceiling, when reached,becomes a floor, upon which one walks as a matter of course and prescriptive right.

32.If you don' know where you are going, you'll end up someplace else.

33.We can always redeem the man who aspires and strives .

34.Life can be pulled by goals just as surely as it can be pushed by drives.

35.To reach a port, we must sail; sail, not tie at anchor; sail, not drift.

36.There is no happiness except in the realization that we have accomplished something.

37.Our plans miscarry because they have no aim, when a man does not know what harbor he is making for, no wind is the right wind.

38.It is not enough to take steps which may some day lead to a goal; each step must be itself a goal and a step likewise.

39.Who aims at excellence will be above mediocrity; who aims at mediocrity will be far short of it.

40.In absence of clearly defined goals, we become strangely loyal to performing daily acts of trivia.

41.Don;t bunt, aim out of the ballpark.

42.There are two things to aim at in life; first to get what you want, and after that to enjoy it, only the wisest of mankind has achieved the second.

43.Go back a little to leap further.

44.It is hard to fail, but it is worse never to have tried to succeed.

45.Half of the failures in life come from pulling one's horse when he is leaping.

46.Our doubts are traitors, and make us lose the good we oft might win, by fearing to attempt.

47.Every failure brings with it the seed of an equivalent success.

48.Failure is blindness to the strategic element in events; success is readiness for instant action when the opportune moment arrives.

49.They fail, and they alone, who have not striven.

50.We learn wisdom from failure much more than success, we often discover what we will do, by finding out what we will not do.

A New Samsung

Essence of Consumer Protection

Today's consumer environment is very global and very complex. In this environment, the essence of consumer protection is:
: Consumer Laws and Enforcement
: Consumer Education; and
: A System of Complaints and Redress

Consumer Laws

Consumer laws set the legislative framework for consumer protection, providing safeguards for consumer. The most important law protecting consumer in Malaysia is the Consumer Protection Act, 1999.

Other related laws protecting consumers include:
: Trade Description Act, 1972;
: Sale of Goods Act, 1950;
: Hire Purchase Act, 1967;
: Sale of Drugs Act, 1952: and
: Pesticides Act, 1968;

Through enforcement of these laws, consumers can expect, to some extent, better protection. Additionally, if consumers feel they did not get what was expected from the product or service or the performance of the product or service is below what was promised or below "reasonable expectations", they can seek redress from the Tribunal for Consumer Claims. The Tribunal represents an affordable and accessible system for the consumer to seek redress.

Consumer Education

不要放弃

不要放弃
当事与愿违，当行径弯曲趋肖
当存款日减，当债务越增越多
你希望保持微笑，
但是你却不得不发出叹息。

当重担令你不胜负荷，
必须的时候，你可以休息片刻，
但是千万不要放弃！

人人都会遭遇挫折，
而在关键时刻放弃努力，
你将功亏一篑。

也许耕耘看似进展缓慢，成功看似遥遥无期，
但无论如何千万不要放弃，
在下一击你也许就会成功。

你永远无法预测，
成功看似遥不可及，往往近在眼前。

关键时刻必须坚持，
请跨恶化，更要努力！

抓住梦想，不要铭记伤痛，
朝向阳光，不要寻觅阴霾，
保持乐观，坚持努力，成功在望！

再高的山经过风吹雨打也会有所改变。
只要奋斗，一定能够移动高山。

DVP China Eventmarketing Showreel

Success is 10% inspiration and 90% perspiration.

When everything is fast paced in the age,instant things such as instant noodles, instant photographs, instant takeaway food, etc, exist. Many people also expect success to be instant. They expect instant (gratification : satisfaction / fulfilment) in whatever they have set out 10% inspiration and 90% (perspiration : (hard work). That is to say success does not come easily. It takes lots and lots of hard work.

One example is the mastery of the English Language. Many people think that just by attending a two or three-week course, they can become experts in the language. This is usually not the case. Those who really good at the language have studied it for years, even decades. They read a lot and they learn everything they can about the language including the meanings of its words, its sentence structures and correct usage. Only after many (grueling : exhausting / taxing / hard / difficult) years of serious study have they become as good as they are. A great percentage of the success of such people depends on perspiration or hard work.

Another example is Thomas Edison who invented the light bulb. He had the inspiration to use electricity for lighting purposes so he set out to make something that would light up when electricity is passed through it. In short, he wanted to create a light bulb. He did not succeed at his first attempt. He failed more than a thousand times. Eventually, he created an element that could light up brightly when electricity was passed through it and which could last for a reasonable period of time. I think it was he who said, "Success is 10% inspiration and 90% perspiration."

Another famous man (could bear testimony to this statement : can be witness to / can give proof of). He was James Watt who invented the steam engine. Watching a coin being blown off the spout of a kettle of boiling water, he was ispired to use steam to work for mankind. So, he (envisaged : saw / visualised) an engine powered by steam. Many people thought that he succeeded after only a few attempts. The truth was he tried out thousands of models before he found one that worked well. His success came only with a lot of perspiration, that is very hard work.

From the foregoing examples, we should learn never to expect to succeed instantly in whatever we have set out to do. Success is usually 10% inspiration and 90% perspiration.

思路决定出路

有什么样的思路就有什么样的人生，思路决定了一个人的出路。

有这样一个故事。有一个从小就惹是生非，长大后成为当地的流氓，吃喝嫖赌五毒俱全，整天无所事事，最后因为抢劫被判了十五年。他有一个妻子两个儿子，后来妻子与他离婚了。两个儿子，其中一个儿子学她，整天到处瞎混，最后沦落入狱；而另外一个儿子则发奋图强,最后在一家公司当上了副总，拥有一个幸福的家庭。

一个记者采访了兄弟二人，为什么他们会走上不同的道路？令人深感意外的事，他们的回答竟是同一样的一句话：有一个这样的父亲，我还能怎样呢？

同样的一个事实却得出了不同的结果：一个自暴自弃，另一个却奋斗不息。看来，有什么样的思路就有什么样的人生，是思路决定了他们的出路。

所以，当你遇到麻烦束手无策的时候，你不妨换一种思路，跳出惯性思维，也许你马上就能找到一条新的道路，一个新的目标，一种新的境界。换个思路，也许就有了出路！否则，你的人生道路只会越走越窄。

法国科学家约翰.法伯曾经做过一个著名的毛毛虫实验。他在一个花盆的边缘放了些毛毛虫，让他们首尾相接。同时在6英寸远的花盆中心放上了它们最爱吃的松针。由于这些毛毛虫的“跟随着”的习性，因此它们就一只跟着一只，一圈圈围着花盆不知疲倦地走了起来。筋疲力尽了，就稍作休息，然后继续走。

时间慢慢过去，一天，两天......毛毛虫依然在转圈，终于在七天七夜后，毛毛虫纷纷饿死了。而食物，就在它们旁边6英寸的地方。

毛毛虫总是喜欢盲目的跟着前面的毛毛虫走。其实，只要它们其中的一只转换一下思路，不再按照以前习惯的方式盲目追随，一旦离开花盆，就能发现6英寸外的松针。其实，该换一种思维方式生存的不权是毛毛虫，还有比它们高级得多的人类。

两个老板在一起聊天的时候，说起自己的员工。一个老板说：“我的公司有这样三个人，一个喜欢寻根究底，嫌这嫌那；另外一个总是忧心忡忡，为了一些莫名奇妙的事情担忧；第三个人每天无所事事，喜欢到处乱逛。我实在受不了，过几天我一定要炒了他们。”

另外一个老板想了想说：“这样吧，你干脆让他们到我的公司来上班吧，省得麻烦。”第一个老板高兴的答应了。

那三个人到了第二个老板的公司后，喜欢寻根究底的那个人被安排去做质量监督，总是忧心忡忡的那个人被安排去做安全保卫，而喜欢闲逛的那个人则被安排去做业务和宣传。

一段时间以后，这三个人都做出非常出色的成绩，而他们所在的公司也取得了迅速的发展。

同样的一个人，在不同的岗位，就会有不同的表现。所以说，没有走不通的路，只要你的方向走对了，没有做不成功的事，只要你的思路走对了路。

有一家不起眼的小餐馆，老板与员工招呼客人，点菜，报菜名，感觉完全就是说笑话，讲评书，而且每道很普通的菜都有一个很灵类的“雅号”。因此，客人在这里吃饭，喝酒，完全是一种超值的精神享受。

假如8位客人刚到门口，负责招呼客人的员工就扯起嗓子大吼：“英雄8位，雅座伺候！”。点菜时，客人点两个卤兔脑壳，他就转身对厨房喊：；来两个“帅哥！”客人点“猪拱嘴”，招呼客人的员工哪里就成了“相亲相爱”。这些别致的另类菜名，让来店里吃饭的各路“英雄”莫不捧腹，喷饭！

在这里，土豆丝：“吃里扒外”，豆腐干：“黄龙缠腰”，鸡鸭鹅翅膀：“展翅高飞”，脚掌：“走遍天涯”，卤舌头：“甜言蜜语”，炒莴笋丁：“星星点灯”，炖乳鸽：“向往神鹰”，醋：“忘情水”，啤酒：“梦醒时分”，白酒：“留半清醒留半醉”......

酒过三巡，菜过五味之后，店家免费给每桌客人送一份“迟来的爱”：一盘普通的泡菜！客人酒足饭饱之后呢，还会给每桌的客人们奉送几根“拒门”：牙签！

据说这家小店原来生意并不好，而且店里面也没有什么出名的特色菜。就是给菜改了改名字，生意就出奇地火暴。

通过这家小店的转变，我们可以知道：成功与失败，富有与贫穷，只不过是一念之差；不怕做不到，只怕想不到。

人与人最大的差别是脖子以上的部分，不同的观念最终导致了不同的人生。我们必须有新的观念，新的方法，新的创造，才能在激烈的竞争中立于不败之地！

别摔倒在熟悉的路上

许多时候，我们不是跌倒在自己的缺陷上，而是跌倒在自己的优势和经验上。

野兔是一种十分狡猾的动物，缺乏经验的猎手很难捕获到他们。但是一到下雪天，野兔的末日就到了。因为野兔从来不敢走没有自己脚印的路，当它从窝中出来寻找食物时，它总是小心翼翼的，一有风吹草动就会逃之夭夭。但走过一段路后，如果是安全的，它也会按照原路返回。猎人就是根据野兔的这一特性，只要找到野兔在雪地上留下的脚印，然后做一个机关，第二天早上就可以去收获猎物了。

兔子的致命缺点就是太相信自己走过的路了。许多时候，我们不是跌倒在自己的缺陷上，而是跌倒在自己的优势上。因为缺陷常常给我们以提醒，小心翼翼，而优势和经验却使我们忘乎所以，麻痹大意。

三个旅行者早上出门时，一个旅行者带了一把伞，另一个旅行者拿了一根拐杖，第三个旅行者什么也没带。

晚上归来，拿伞的旅行者淋得全身是水，拿拐杖的旅行者跌得满身是伤，而第三个旅行者却安然无恙。前二个旅行者很纳闷，问第三个旅行者：“你怎会没有事呢？”

第三个旅行者没有正面回答，而是问拿伞的旅行者：“你为什么会淋湿而没有摔伤呢？”

拿伞的旅行者说：“当大雨来到的时候，我因为有了伞，就大胆的在雨中走，却不知怎么淋湿了；当我走在泥泞坎坷的路上时，因为没有拐杖，所以走得非常仔细，专往平衡的地方走，所以没有摔伤。”

然后，他又问拿拐杖的旅行者：“你为什么没有淋湿而摔伤了呢？”

拿拐杖的说：“当大雨来临的时候，我因为没有带伞，便往能躲雨的地方走，所以没有淋湿；当我走在泥泞坎坷的路上时，我便用拐杖拄着走，一时大意，不知道怎么搞的就摔了好几跤。”

第三个旅行者听后笑笑说：“为什么你们拿伞的淋湿了，拿拐杖的跌伤了，而我却安然无恙？这就是原因。当大雨来时我躲着走，当路不好时我非常小心，所以我没有淋湿也没有跌伤。你们的失误就在于你们又凭借的优势，自以为有了优势便可大意。”

从上面的故事，我们可以知道：优势不但靠不住，有时候反而还会起反作用。相比之下，经验同样也是靠不住的。

许多人喜欢登山这项活动，因为可以挑战自己，挑战极限。当人们把自己的足迹留在山顶的时候，一种征服的成就感就会油然而上。登山的过程中时刻伴随着危险，这是勇敢者的运动。但是只靠勇敢还是不够的，还需要力量，细心等等多种因素。在登山运动中，攀登雪山更是危险。

在亚洲，著名的喜马拉雅山每年都会迎来许多勇气可嘉的人来征服它。

有一年，一个登山队来到了这里。在他们准备好了食品，药品以及其他登山器材，即将上山的时候，一位专家提醒他们说：“多带几根钢针，燃气炉的喷嘴在严寒的状况下极易堵塞，只有钢针能够解决这个问题。不要小看了这根钢针，如果燃气炉堵塞的话，就意味着全队的生命将要受到威胁。”

遗憾的是没有人听专家的话，因为按照经验，他们认为带一根钢针就够了，何必再多此一举呢！

到半山腰的时候，燃气炉真的堵塞了。带着钢针的人把钢针拿了出来，但是天气太冷，钢针变得很脆，他一不小心把钢针绷断了 ---- 全队的饮食从此就断绝了。最后，登山队没有一个人从山上走下来。

经验确实很重要，但不要只相信经验，完全凭自己的经验办事。经验不足或是经验过多都会导致失败，造成无法挽回的损失。

有的时候，优势是靠不住的，经验是会期骗人的。所以要相信事实，多做准备，绝不能偏信所谓的经验，更不能依靠自己的优势，懂得如何利用经验的人，才是真正的智者。

上帝给谁的都一样多

上帝给撒哈拉披上了一层黄沙，但那只是礼物的包装。因为下面有着世界上最大的宝藏 --- 石油。

欧洲国家一位著名的女高音歌唱家，仅仅30岁就已经誉满全球，令许多人羡慕。一次，她到外地举办独唱音乐会，入场券早在半年以前就被抢购一空，当晚的演出也受到空前的欢迎。演出结束后，她和丈夫，儿子从剧场里走出来的时候，被早已等候在那里的观众和记者团团围住，人们争着与歌唱家攀谈，多是赞美和仰慕之辞。

有的人羡慕她大学刚毕业就开始走红，进入了国家级的歌剧院；有的人恭维她 27 岁就成为世界 10 大女高音歌唱家之一；也有人赞美她有个腰缠万贯的丈夫，还有个脸上总带着微笑的儿子。。。

她默默地听着，没有任何表示。当她登人们把话说完以后，才缓缓地说：“谢谢大家对我和我的家人的赞美，我希望在这些方面能够和你们共享快乐。但是，你们看到的只是一方面，还有另一个方面你们没有看到，这就是受到你们夸奖的我的儿子。不幸的事，它是一个不会说话的哑巴。他还有一个姐姐，是一个常年被关在铁窗房间里的精神分裂症患者。”说完，高音歌唱家一脸平静。

人们听了她的话，都震惊得说不出话来，面面相看，一时之间都无法接受这个事实。见此情景，歌唱家心平气和地说道：“这一切说明了什么呢？这一切说明了一个道理 --- 上帝给谁的都一样多。”

听完了她的话，人们陷入了认真思考之中。是啊，上帝给谁的都一样多。只要我们用心观察，我们就会发现：给了人甜美的嗓音，却很难再给人圆满的幸福。没给你美丽的你脸蛋，却会给你智慧的头脑。给了你欢聚的美好，也会给你分离的痛苦。左敝子虽然不方便，但却比常人在创造力方面更有优势。上天不能把人造的十全十美，任何人也不应该是一无是处的。这样的世界，才是真实的，才是多姿多彩的。

地球是圆的，有太阳照射的光明，但也有太阳照不到的阴影！看到别人的光辉，也要看到光辉背后的影子;看到自己的困境，也要看到自己在颠簸过程中的成长。

所以，你要从现在开始，微笑着面对生活，不要抱怨生活给了你太多的磨难，不要抱怨生活中有太多的曲折，更不要抱怨生活中存在的不公。因为，声明中的每个挫折，每个伤痛，每个打击，都自有它的意义。要知道：大海如果缺少了巨浪的汹涌，就会失去其雄辉；沙漠如果缺少了飞沙的狂舞，就会失去其壮观；生活如果都是两点一线般的笔直，就会如白开水一样平淡无味。只有酸甜苦辣咸五味俱全才是生活的全部，只有悲喜哀痛七情六欲全部经历才算是完整的人生。。。

耶稣死去的那天是世界上最悲痛的日子，但三天后就是复活节 --- 世界上最快乐的日子！所以，永远要记得，上天是公平的。

别为了一棵树而浪费生命

（有时候我们要冷静地问问自己，我们在追求什么？我们活着为了什么？如果我们只是忙忙碌碌地追求而无视身边的美好，那么幸福也会远离我们。）

一个边远的山区里，有两户人家的空地上长着一棵枝繁叶茂的银杏树。秋天的时候，银杏果成熟了就会落在地上。孩子们捡回一些，却都不敢吃，因为人们都认为银杏果有毒。

这棵树不知道是属于两户人家中的哪户，这样的日子过了许多年。

有一年，其中一户人家的主人去了一趟城里，才知道银杏果可以卖钱。于是，他摘了一袋银杏果背到城里，换回一叠叠的钞票。

银杏果可以换钱的消息不尽而走。于是，另一户人家的主人上门要求两家均分那些钱。但是，他的要求被拒绝了。情急之下，他找出土地证，结果发现这棵银杏树划在他家的界线内。于是，他再次要求对方交出银杏果的钱，因为这棵银杏树是他家的。对方当然不会认输，他也开始寻找证据，结果从一位老人处得知，这棵银杏树是他曾祖父当年种下的。

两家争执不下谁也不肯让步，于是反目成仇。 想里也不能判断这棵树究竟应该属于谁，一个有土地证，白纸黑字，合理合法；一个有证人证言，前人栽树后人乘凉，理所当然。

于是，两人起诉到法院。法院也为难，建议庭外调解。两人都不同意，他们认为这棵银杏树本应属于自己，凭什么要和别人共享呢？案子便拖了下来。他们年年为这棵银杏树吵架，甚至大打出手。

故事就这样延续了十年。十年后，一条公路穿村而过，两户人家撤迁，银杏树也被砍倒了，这场历时十年的纠纷彩画上了句号。奇怪的事，当时两户人家谁也不要那棵树，因为树干是空的，只能当材烧。

为了一棵树，他们竟然斗了十年！三千多个本来可以快快乐乐的日子，难道不比一棵树重要？用来争执的时间精力，去种一片银杏树林都可以了。仔细想想真得很可怕：有时候，一个人为了得到某种东西，往往会失去比这种东西重要得多的东西。那么，你呢？你是否也在为了一些不重要的东西而枉费心机？

每个人都会努力追求一些自己以为很重要的东西，并为之付出了艰辛的努力，放弃了快乐，健康，爱情，友情。而等到真正获得它的时候，却发现它已经不是那么重要了。

就好比爬山，当你爬到一个高度的时候，发现在这个高度中原来自己是如此渺小，但你觉得或许高处还有更好的风景，然后你继续挣扎，再爬，再挣扎，如此反复，到自己爬不动了为止。然后忽然回头，却发现山下的人过着很快乐的生活，山顶却一片荒凉和单调，高处不胜寒，想再回去，已经不可能了。

人之所以有痛苦，就是因为你追求错误的或者对你而言不重要的东西。如果我们只是忙忙碌碌地追求而无视身边的美好，那么幸福也会远离我们。所以有时问静下来的话，不妨想想，什么才是你人生中真正重要的东西。