The Lighthouse

Thriving Every Day

2008-07-08T09:29:00.000+08:00

Today's Scripture

"...I came that they may have and enjoy life, and have it in abundance, to the full, till it overflows" (John 10:10 AMP).

God doesn't want you to live with a "barely-get-by" attitude. He has new seasons of increase in front of you. He wants you to thrive, to live an abundant, overflowing life. Sometimes when things seem difficult, it's easy to slip into a "survival mode." When times get tough, it's tempting to just hunker down and settle where you are. If you're not careful, you'll develop a survival mentality that will keep you from growing and releasing your faith. You'll be happy just to "break even." But as God's children, we're not supposed to just break even; we're supposed to break through to a new level! We're supposed to believe for more of God's favor, increase, and promotion no matter what is happening in the world around us. Make up your mind today that no matter how difficult things seem, you are going to thrive every day! Take hold of God's promises and declare that you are rising higher. As you continue to expect His favor and increase, you'll see His hand of blessing in your life, and you will thrive and live in victory all the days of your life.

A Prayer for Today

Father in heaven, thank You for giving me life. I choose today to agree with Your Word which says I can thrive and enjoy my life to the full. Help me see Your hand at work more and more each day. I bless You and give You praise. In Jesus' Name. Amen.

THANK YOU FOR YOUR TIME. ONCE YOU READ THIS ,YOU WILL UNDERSTAND!

2008-07-08T09:27:00.001+08:00

A young man learns what's most important in life from the guy next door.
It had been some time since Jack had seen the old man. College, girls, career, and life itself got in the way. In fact, Jack moved clear across the country in pursuit of his dreams. There, in the rush of his busy life, Jack had little time to think about the past and often no time to spend with his wife and son. He was working on his future, and nothing could stop him.
Over the phone, his mother told hi m, 'Mr. Belser died last night. The funeral is Wednesday.' Memories flashed through his mind like an old newsreel as he sat quietly remembering his childhood days.

'Jack, did you hear me?'

'Oh, sorry, Mom. Yes, I heard you. It's been so long since I thought of him. I'm sorry, but I honestly thought he died years ago,' Jack said.

'Well, he didn't forget you. Every time I saw him he'd ask how you were doing. He'd reminisce about the many days you spent over 'his side of the fence' as he put it,' Mom told him.

'I loved that old house he lived in,' Jack said.

You know, Jack, after your father died, Mr. Belser stopped i n to make sure you had a man's influence in your life,' she said

'He's the one who taught me carpentry,' he said. 'I wouldn't be in this business if it weren't for him. He spent a lot of time teaching me things he thought were important...
Mom, I'll be there for the funeral,' Jack said.

As busy as he was, he kept his word. Jack caught the next flight to his hometown. Mr. Belser's funeral was small and uneventful. He had no children of his own, and most of his relatives had passed away.

The night before he had to return home, Jack and his Mom stopped by to see the old house next door one more time.

Standing in the doorway, Jack paused for a mom ent. It was like crossing over into another dimension, a leap through space and time The house was exactly as he remembered. Every step held memories. Every picture, every piece of furniture....Jack stopped suddenly.

'What's wrong, Jack?' his
Mom asked.

'The box is gone,' he said

'What box?' Mom asked.

'There was a small gold box that he kept locked on top of his desk. I must have asked him a thousand times what was inside. All he'd ever tell me was 'the thing I value most,'' Jack said.

It was gone. Everything about the house was exactly how Jack remembered it, except for the box. He figured someone from the Belser family had taken it.

'Now I'll never know what was so valuable to him,' Jack sa id. 'I better get some sleep. I have an early flight home, Mom.'

It had been about two
weeks since Mr. Belser died. Returning home from work one day Jack discovered a note in his mailbox. 'Signature required on a package. No one at home. Please stop by the main post office within the next three days,' the note read.

Early the next day Jack retrieved the package. The small box was old and looked like it had been mailed a hundred years ago. The handwriting was difficult to read, but the return address caught his attention. 'Mr. Harold Belser' it read. Jack took the box out to his car and ripped open the package. There inside was the gold box and an envelope. Jack's hands shook as he read the note inside.

'Upon my death, please forward this box and its contents to Jack Bennett. It's the thing I valued most in my life.' A small key was taped to the letter. His heart racing, as tears filling his eyes, Jack carefully unlocked the box. There inside he found a beautiful gold pocket watch.

Running his fingers slowly over the finely etched casing, he unlatched the cover. Inside he found these words engraved:
'Jack, Thanks for your time! -Harold Belser.'

'The thing he valued most was...my time'

Jack held the watch for a few minutes, then called his office and cleared his appointments for the next two days. 'Why?' Janet, his assistant asked.

'I need some time to spend with my son,' he said.

'Oh, by the way, Janet, thanks for your time!'

'Life is not measured by the number
of breaths we take but by the mom ents that take our breath away ,'

Think about this. You may not realize it, but it's 100% true.

1. At least 2 people in this world love you so much they would die for you.

2. At least 15 people in this world love you in some way.
3 A smile from you can bring happiness to anyone, even if they don't like you.

4. Every night, SOMEONE thinks about you before they go to sleep.

5. You mean the world to someone.

6. If not for you, someone may not be living.

7. You are special and unique.

8. When you think you have no chance of getting what you want, you probably won't get it, but if you trust God to do what's best, and wait on His time, sooner or later, you will get it or something better.

9. When you make the biggest mistake ever, something good can still come from it.

10. When you think the world has turned its back on you, take a look: you most likely turned your back on the world.

11. Someone that you don't even know exists, loves you.
12. Always remember the compliments you received. Forget about the rude remarks.

13 Always tell someone how you feel about them; you will feel much better when they know and you'll both be happy

14. If you have a great friend, take the time to let them know that they are great.

To everyone I send this to Thanks for your time !

Declare Your Freedom

2008-07-05T14:30:00.000+08:00

Today's Scripture

"You have been set free from sin..." (Romans 6:18).

Today we celebrate Independence Day in America. July 4, 1776 was the day America declared independence from Britain, but the battle for freedom went on until 1783—seven years later. Even though they declared their freedom in 1776, they had to stand and fight for many years before the British would accept and recognize the United States of America.

In the same way, we have to be determined to stand against the opposing forces in our lives. We have to declare our freedom from addiction, poverty, sickness and lack. We have to stand and fight until we fully experience that freedom and peace that God has promised. I love what the early colonists did once they signed the Declaration of Independence. They read it out loud in public. They published it in the newspaper. They spread the word. They continued to declare and celebrate even though they were in the midst of the battle. Whatever battle you may be facing today, declare that you are free. Declare that you are an overcomer. Celebrate the victory that is on its way! As you stand strong and declare your freedom, you will experience His victory and you will live in true freedom all the days of your life!

A Prayer for Today

Heavenly Father, thank You for setting me free in every area of my life. I declare today that nothing can hold me back. I declare that I am free from sickness, poverty, lack and addiction. I declare that You have set me free and thank You for freedom in every area of my life. In Jesus' name, Amen.

DEVELOPING A GROWTH PLAN

2008-07-05T14:29:00.000+08:00

Do you have a plan for personal growth? Are you doing anything intentionally and strategically to better yourself? Understand today that growth is not automatic. You can have success but that doesn’t mean you’ve reached your highest potential. There is always room for increase. There are greater mountains to climb and new frontiers to be explored in life! So many people fall into "destination disease" where they think they have arrived just because they reached a certain goal. They think that since they accomplished something, or got their degree, or a certain position, that they can just kick back and coast on what they’ve already learned. But, in order to continue advancing in life, we have to take responsibility for our own growth. We have to have the attitude, “How can I improve. What can I do to make myself better?

We have to stir up that desire to learn. We should have a goal to grow and learn something new everyday. It can be as simple as, “I’m going to get up every morning and spend the first twenty minutes meditating on God’s Word and thanking Him for what He’s done.” “I’m going to listen to a teaching CD on the way to work.” “At night, I’m going to turn the TV off a little bit earlier and read a book for twenty minutes.” “I’m gong to hook up with my mentor twice a month and go out to lunch.” “I’m going to be at church every weekend.” That’s a growth plan. As you take responsibility for your personal growth, God will honor your efforts. He’ll give you the right breaks. He’ll give you the right opportunities and He’ll help you rise higher and higher. As you continue to grow, you’ll see every dream and desire God has put in your heart, come to pass!

WHO I AM MAKES A DIFFERENCE

2008-05-30T11:41:00.001+08:00

Good day everyone, It is a wonderful story that can inspire each of us….SO Please take some time out for this.Have a beautiful day and may god bless you all….

Best regards,

STUNNING SCENERY FROM CHINA

2008-05-25T16:20:00.001+08:00

CHINA from the sky

LIVE LIKE A CHAMPION

2008-05-23T09:45:00.001+08:00

Seeing Adversity The Right Way

Anytime God is about to take you to a new level you’re going to face opposition. There will be new battles to fight and new obstacles to overcome. It’s easy to get discouraged and think, “Why is this happening?” But we have to change our thinking and focus on the fact that on the other side of those challenges is a new level of victory—a new level of success. David would only be known as a shepherd boy if it weren’t for Goliath. David’s enemy became the tool that God used to promote him. And God will do the same in your life today. He’ll use those challenges and difficulties in your life to catapult you towards success! If you are going through a hard time today, if things look impossible, don’t give up now. Change your perspective and believe that God is working behind the scenes. Put a smile on your face and stand in confidence knowing that you are a child of the Most High God. When all is said and done, you’re not just going to come out of that difficulty, but you’re coming out stronger, wiser, and better than you were before! That problem is going to be the catalyst for God to open supernatural doors of opportunity for you! Stand strong in the Lord today and trust that what the enemy meant for your harm, God will turn around and use to your advantage. He’ll take you places you never dreamed and cause you to rise higher and higher in every area of your life!

Without two legs

2008-05-16T19:07:00.003+08:00

The dog’s name is Faith. Story is in the US . The dog was found by a couple who didn’t give up on the dog when it was found as a puppy. The couple TAUGHT the dog how to walk on its hind legs and ever since then Faith has been brought to all the places where people need inspiration/hope to live.

And yet we think we are the ones going through difficult times……

Don't walk in front of me, I may not follow.
Don't walk behind me, I may not lead.
Just walk beside me and be my friend.

"People Will Forget What U Said
People Will Forget What U Did
But People Will Never Forget How U Made Them Feel"

He Gives Strength

2008-05-11T15:21:00.001+08:00

Today's Scripture

“He gives strength to the weary and increases the power of the weak” (Isaiah 40:29).

Have you ever felt backed into a corner about a particular situation, and you couldn’t see a way out? We’ve all felt overwhelmed by the circumstances of life at one time or another. Be encouraged today because the Bible says in Isaiah that when you cry to God for help, as soon as He hears, He will answer you! He will give you strength when you are weary and increase your power when you feel weak. No matter what is going on in your life today, God is greater than any obstacle or difficulty you may be facing. Do you need strength today to overcome a challenge in your life? Do you need power to stand strong in the midst of a storm? Call on Him and He will hear you. The answer is on the way while the words are still on your lips! Open your heart and by faith receive His strength and might, and let Him empower you to live in victory all the days of your life!

A Prayer for Today

Father in heaven, thank You for hearing and answering my prayers. Fill me with Your strength and power today. I give You my whole heart and ask that You remove anything from my life that isn’t pleasing to You. In Jesus’ Name. Amen.

Something Out of Nothing

2008-05-11T15:19:00.001+08:00

Today's Scripture

“The earth was formless and void…and God said, Let there be light.” (Genesis 1:2-3).

Are you believing God for something today that seems impossible? We serve a great and mighty God. and He can create something out of nothing. He can make a way when there seems to be no way! Genesis tells us that in the beginning, God created the heavens and the earth. But before He spoke the world into existence, it was formless and void. If God can make the world out of nothing, He can take the empty places in your life and create something beautiful, too! He can speak light into your darkest hour. He can take your formless dreams and give them shape. He can resurrect your dormant gifts and talents! He can make your crooked places straight! Remember, you are created in the image of almighty God. There’s power in your words, and there’s power when you’re in agreement with Him. Start saying what God says about your situation. Speak life to your broken dreams, today. Stay in an attitude of faith and expectancy. As you do, God will take you places that you’ve never dreamed, and you’ll live in victory all the days of your life!

A Prayer for Today

Father in heaven, I trust that You are willing and able to make a way where there seems to be no way in my life. Fill me with Your peace and faith and give me a vision for all You have for me. In Jesus’ Name. Amen.

Stay Connected

2008-05-11T15:16:00.000+08:00

Today's Scripture

“I am the vine; you are the branches. If a man remains in me and I in him, he will bear much fruit; apart form me you can do nothing” (John 15:5).

Do you need more power and strength in your life today? When you are connected to the Father through Jesus, you are connected to your life source. Just as a branch is sustained by the vine it’s attached to, we are sustained by being attached to Him. If you think about how fruit grows, it doesn’t just happen over night; it takes time and the right conditions. In the same way, the spiritual fruit in your own life develops over time, too. You might be tempted to get discouraged if you aren’t seeing “fruit” as quickly as you’d like, but be encouraged today! If you’ll keep your heart humble before the Lord and stay connected to Him through prayer and studying His Word, you’ll see that fruit begin to form in your life just as He promised! You’ll see the fruit of joy, which is strength. You’ll see the fruit of love and peace, which will sustain you in the midst of difficulty. As you stay connected to Him, you’ll be empowered and equipped for every circumstance, and you’ll live as an overcomer in every area of your life!

A Prayer for Today

Father in heaven, I humbly come before You. I recognize that You are the source for everything I need in this life. Keep me close to You always and turn my heart and mind toward Your ways. In Jesus’ Name. Amen.

The Overflow of Your Heart

2008-05-08T08:44:00.000+08:00

Today's Scripture

“For out of the overflow of the heart the mouth speaks” (Matthew 12:34).

Have you said something recently that you wish you hadn’t? The Bible says that your words reveal what’s going on inside of you. If you go around speaking negative words of defeat, putting others down, and complaining all the time, it’s a sign that you need to refocus your heart and mind. It’s a sign that your “overflow” is polluted. Our bodies work a lot like a computer. What you put on the hard drive of your heart will show up on the monitor of your mouth. The good news is that you can reprogram your mind the same way you can reprogram a computer. The Bible says that our minds are renewed—or reprogrammed—by the Word of God. The more you read and study His Word, the more it will transform you from the inside out. Start today by asking the Lord to reveal anything in your heart that needs changing. Make Him first place in your life. Fill your heart with the good treasure of God’s Word so that blessings come out of your mouth. Let the overflow of your heart be filled with faith and expectancy, and you’ll see God’s hand of blessing in every area of your life.

A Prayer for Today

Father in heaven, I humbly come before You and ask that You cleanse my heart and mind of anything that isn’t pleasing to You. Fill me with Your faith, peace, joy, and love so that I can overflow with Your goodness today. In Jesus’ Name. Amen

WHO IS THE STRONGEST WOMEN ???

2008-05-08T08:32:00.007+08:00

THE POWER OF TWO

2008-05-02T08:55:00.000+08:00

Today's Scripture

“Two are better than one… If one falls down, his friend can help him up” (Ecclesiastes 4:9-10).

God likes two together. The Bible says in Matthew 18 that there is power when two or more pray in agreement. One can put a thousand to flight, but two can put ten thousand to flight! Where there are two or more gathered in His name, God is there. And just like Jesus sent the disciples out in pairs of two to fulfill their mission, God will send a friend or partner to come along side you to help you fulfill your life’s mission. You may not see that special friend or partner right now; but remember, you are never alone because you and God are a majority. Why don’t you step out and be that friend that someone needs today. Is there someone in your life that you can reach out to and offer encouragement and support? Can you be that friend that helps someone when they fall? Sometimes a simple phone call or note of encouragement is all it takes. Be willing to support your friends. Get behind their dreams and encourage them to press forward. As you sow those seeds of hope and faith, God will bring people in your life to encourage you, too, and you’ll move forward in victory all the days of your life.

A Prayer for Today

Father God, thank You for the privilege to come before Your throne. Thank You for empowering me by Your Spirit. I ask that You show me ways to be a blessing and encouragement to the people around me. In Jesus’ Name. Amen.

STAY CONNECTED

2008-05-01T10:11:00.001+08:00

Today's Scripture

“I am the vine; you are the branches. If a man remains in me and I in him, he will bear much fruit; apart form me you can do nothing” (John 15:5).

A Prayer for Today

FAITH DECLARATION FOR GOOD HEALTH

2008-05-01T09:48:00.003+08:00

I thank GOD for enlightened me to know the power of faith declaration and to experience the power of living by faith. At first I doubt it but now I am fully convinced that without faith we are not going anywhere else in life. To all my believe in JESUS, please know that our GOD works when there is faith placed in HIM. In other words, "Faith Activates GOD'S Power". Just try out the below faith declaration and I believe GOD will show those who have placed their faith in HIM to experience their life in a way they have never thought of....because "Great Is Our GOD Who Created The Heaven & The Earth".

Declaration

‘’Beloved I wish above all things that thou mayest prosper and be in health even as thy soul prospers.’’
(3 John: 2)

I choose to live in God’s perfect will for my life. And His will is for me to live in perfect health and in prosperity. I am a citizen of Zion, and the Bible says in Isaiah 33:24 that ‘’and the inhabitant shall not say, I am sick’’; therefore I do not get sick. Divinity is at work in me; in every fiber of my being and in every cell of my blood. I am healed and whole.

I declare that God’s desire for me to live in health and prosperity is my daily experience all the days of my life. Sickness, disease and infirmity shall not come near my dwelling. I do not fear viruses, infections and disease causing germs, because greater is He that is in me than he that is in the world.

I am the healed of God therefore my health flourishes like a palm tree. I have the blessings of the mind and the blessings of the body. By His stripes I was healed, and if I was healed then I remain in health. The Bible says in Romans 8:13 “but if ye through the Spirit do mortify the deeds of the body, ye shall live” therefore, I put an end to any unlawful transaction that my body may have contracted without my knowledge. I live in perfect health. Thank you Lord for this privilege. For this is the heritage of the servants of the Lord.

LIVING THE FULL LIFE

2008-04-30T19:23:00.000+08:00

Today's Scripture
“The earth is the Lord’s and the fullness of it…” (Psalm 24:1).

God wants you to live an abundant and satisfied life. He wants you to enjoy the fullness of the earth and life’s experiences. When you open your mind to new things and new situations, you are broadening your horizons and opening yourself to new opportunities. It’s easy to get stuck in a rut, doing the same thing the same way all the time. But when you open yourself to new people and new ideas, you are making room for God to reveal Himself to you. You are making room for Him to work in your life. Make the decision to explore something new this week. Take a different route home from work. Try something new on the menu at lunch. Be open to new people who may not necessarily look like you or act like you. Let God direct and broaden your horizons. As you do, you’ll encounter new opportunities and live the satisfied, full life the Lord has in store for you!

A Prayer for Today
Heavenly Father, I open my heart and mind to You today. I ask that You help me broaden my perspective so I can experience the full life You have for me. In Jesus’ Name. Amen.

LOVE YOUR FOOD & PLEASE DO NOT WASTE

2008-04-30T10:17:00.004+08:00

DEAR FRIENDS & READERS, PONDER THE BELOW AND IT MAY TRANSFORM OUR THINKING, ACTION, CULTURE AND LIFE IN THE FUTURE..........

Not liking the food you have daily????
How about some pizza?

No??? Ok....... Pasta?

No?? .. How about Taco?

Not in taco mood today? ... ok.. Trying this Mexican Food?

No again? No probs.. we have more choice..

Hmmmmmmm.. chinise??????? J

Burgersssssss????????

Ok.. lets try Indian.. J
South Indian Food?
Naaaaa??? North Indian?

Junk food mood?

Or some diet food today?

The choice we have is endless.......

Tiffin ?

Non-Veg?

Large Quantity?

Or just some bites of chicken?

You can have any of these... or try out little from all...

But..

They have No choice..

They just need some food to survive..

Think of them next time you throw the cafeteria food saying, its not tasty!!

Think of them next time you say .. Roti here is too hard to eat...

Please DO NOT WASTE food
If you have a function/party at your home in India and food gets wasted , don't hesitate to call 1098 (only in India ) - child helpline. They will come and collect the food. Please circulate this message which can help feed many children. PLEASE, DON 'T BREAK THIS CHAIN,

"Helping hands are better than Praying Lips"

TAKE REFUGE IN HIM

2008-04-29T13:01:00.000+08:00

Take Refuge in Him

Today's Scripture

“Taste and see that the Lord is good; blessed is the man who takes refuge in Him” (Psalm 34:8).

Where do you take refuge when the storms of life come? Where do you go for comfort and safety? Some people find it easy to turn to their friends, their job, or even a bowl of ice-cream! There’s nothing wrong with any of those things, but God the Father wants us to turn to Him first. He wants us to take refuge in Him. He longs to protect us and defend us and give us His strength. We serve a good God, and when we take refuge in Him, He will pour out His abundant blessing in our lives. Taste and see that the Lord is good today. Taste and see that His promises are good. When you turn to God, the Bible promises that you will find rest and refuge for your soul. No matter what you may be facing today, come to the Father. He will give you His peace and strength, and you’ll live the blessed life He has prepared for you!

A Prayer for Today

Heavenly Father, today I open my heart to You and choose to take refuge in You. Thank You for Your peace and rest and for showing me Your hand of blessing in every area of my life. In Jesus’ Name. Amen.

THE WAY

2008-04-29T12:59:00.001+08:00

Today's Scripture

“‘…how can we know the way?’ Jesus answered, ‘I am the way and the truth and the life. No one comes to the Father except through Me’” (John 14:5-6).

Do you need direction in your life today? Not only is Jesus the way to life in eternity, but Jesus is the way to everything you need in this life here on earth. Do you need to know the way out of debt? Look to the Father through Jesus. Do you need to know the way to having better relationships…the way to overcome an addiction…to live in peace and joy? When you know Jesus, you know the Way. No matter what you are facing today, no matter what challenges or obstacles are in your life, He will make a way for you even when you don’t see how. God loves you so much that He wants to strengthen and empower you to live in total victory. That’s why He sent His Son, Jesus, to this earth—to show you the way to live an abundant life! Open your heart today and receive all that God has given you through Jesus. As you do, you’ll see His hand lead you in the way of victory in every area of your life!

A Prayer for Today

Father in heaven, thank You for sending Your Son, Jesus, to show me the way. I invite You into every area of my life. Keep me close to You always. In Jesus’ Name. Amen.

LIVING A RESURRECTED LIFE

2008-04-29T12:56:00.000+08:00

Every person goes through adversities or times of difficulty. Maybe you didn’t get a promotion you deserved, or you lost a loved one, a friend betrayed you. It’s easy to get negative and bitter and lose your enthusiasm for life, but understand today, you are not defined by your past, you are prepared by your past. Every challenge you’ve been through, every adversity you’ve faced, God has deposited something on the inside of you. Your character was being developed. Strength was being increased. Your vision was being enlarged. With every difficulty, you can experience a new level of God’s goodness! You may have had unfair things happen, but remember, all things work together for good when you love the Lord! It doesn’t say that all things are good, but God will turn your test into a testimony. No matter what challenge you may be facing now, no matter what you’ve experienced in your past, if you’ll stay in faith God will turn it around for your good! Choose to have a resurrection mentality—you may have gone through an emotional death, and burial but it’s time for you to rise again. God wants to give you His beauty for ashes, and joy for mourning. He wants to bring you out stronger, happier, healthier, better off than you were before!

ASK FOR WISDOM

2008-04-29T12:52:00.001+08:00

Today's Scripture

“If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him” (James 1:5).

Do you need wisdom for something today? Ask God. He loves it when you call upon Him, and He longs to give generously to you. Do you need wisdom to lead your family? Do you need wisdom on your job? Do you need wisdom for a decision you have to make in life? Ask God! The next verse goes on to say that when you ask, you must ask in faith without wavering. That means you have to be absolutely determined to get your answer from Him. You can’t just ask and then decide to do things your own way, or doubt that He will give you the answer. That’s being double-minded. When you’re double-minded, the Bible says you won’t be able to receive anything from the Lord. Don’t let that be you! Have a one-track mind that’s focused on God and His promises. Believe that He is going to generously bless you with His wisdom. As you keep an attitude of faith and expectancy, He’ll cause you to rise higher and higher, and you’ll live the abundant life He has in store for you!

A Prayer for Today

Father in heaven, thank You for being a good and generous God. Thank You for pouring out Your abundant blessing in my life. Keep my heart and mind focused on You always. In Jesus’ Name. Amen.

MADE IN JAPAN

2008-04-29T12:31:00.009+08:00

There was a Japanese man who went to America for sightseeing. On the last day, he hailed a cab and told the driver to drive to the airport. During the journey, a Honda
drove past the taxi. The man then leaned out of the window excitedly and yelled, "HONDA, VERY FAST! MADE IN JAPAN!".

After a while, a Toyota

sped past the taxi. Again, the Japanese man leaned out of the window and yelled, "TOYOTA, VERY FAST! MADE IN JAPAN!"

AND then a Mitsubishi
sped past the taxi. For the third time, the Japanese leaned out of the window and yelled, "MITSUBISHI, VERY FAST! MADE IN JAPAN!".

The driver was a little angry, but he kept quiet. And this went on for quite a number of cars. Finally, the taxi came to the airport. The fare was US$300.
The Japanese exclaimed, "WAH.......SO EXPENSIVE!". Thereupon, the driver yelled back, "METER, VERY FAST! MADE IN JAPAN!".

TOP 10 REASONS WHY TV IS BETTER THAN WWW

2008-04-29T12:21:00.003+08:00

It doesn't take minutes to build the picture when you change TV channels
When was the last time you tune in to "Melrose Place" and got a "Error 404" message?
There are fewer grating colour schemes on TV - even on MTV
The family never argues over which Web site to visit this evening
A remote control has fewer buttons than a keyboard
Even the worst TV shows never excuse themselves with an "Under Construction" sign
Seinfeld never slows down when a lot of people tune in
You just can't find those cool Health Rider infomercials on the Web
Set-top boxes don't beep and whine when you hook up to HBO
You can't surf the Web from a couch with a beer in one hand and Doritos in the other

26 SIX WAYS TO SAVE TAX IN MALAYSIA

2008-04-29T11:40:00.002+08:00

26 Tax-Saving Moves
They are legal and permitted by Inland Revenue Board ( IRB )

1) Save for your Child’s Education

Since 2007 , any amount that is deposited into a savings account for your child under national Education Savinds Scheme ( Skim Simpanan Pendidikan Nasional ) allows you to claim tax deductions.
Thers is a limit of RM 3000 for this deduction but spouse who file separate tax returns can each claim this amount .
Tax Deduction : RM 3000 per individual
For Mr A : As he falls in the 24% tax bracket , this deduction translates to a tax saving of RM 720 ( RM 3000@24%)

2 ) File Separate tax returns

A separate assessment allow each spouse to claim personal tax relief of RM 8000 while a joint tax return allows one spouse to claim a wife or husband relief of RM 3000
Tax Deduction : Each spouse earning Taxable income can claim personal tax relief of RM 8000 by filling separate tax returns.

3) Ask your employer to increase your EPF contributions

Contributions to the employees Provident Fund (EPF) by employers are tax-exempt for the employees.
To reduce your taxable income , ask your employer to reduce your EPF monthly salary but increase your EPF contributions by the same amount.
Tax Deduction : The deductible amount from your taxable income is dependent on the arrangement between you and your employer.
For Mr A : Mr A agrees to takle monthly pay cut of RM 1000 for an equivalent increase in his EPF contributions by his employer.At the end of the year , he receives an additional RM 12000 in his pension fund but his taxable income is reduced by the same amount.
The tax saving that he makes is RM 2880 ( RM12000@24%)

4) Change your cash remuneration to cash reimbursement

Fixed allowances given by your employer each month for entertainment and housing or parking fees are taxable at your tax bracket.
Change this to a “ reimbursement “ based on receipt and you are not taxed on the amount received.
Tax Deduction : The deductible amount from your taxable income is dependent on the arrangement between you and your employer
For Mr A : By Changing a yearly fixed allowance of RM 6000 to a reimbursement of the same amount and supported by receipts , Mr A makes a tax saving of RM1440 ( RM 6000@24%)

5) Ask for a company car

A car given by your employer is regarded as a benefit-in kind ( BIK ) and taxable.
However , a company car is advantageous for taxpayers because the preset tax scale for cars is much lower than the actual cost of buying and maintaining a car.
According to the Public ruling for BIKs , the tax payer must pay RM 3600 in taxes every year, for a car worth RM 75000
If the employer pays for fuel , the tax payer is taxed an additional RM 1200 for this BIK
Tax deduction : Whether you benefit from a company car depends on the value of the car and your current tax bracket. Do the calculations to ascertain your tax deduction.

6) Make charitable contributions

A gift of money to an approved charitable organisation entitles you to a tax deduction for the amount given.
From 2008 onward , this amount cannot exceed 7% of your aggregate income.
However Charitable donations that were made in 2007 are not subject to this limit.

Tax deduction : Up to 7% of your aggregate taxable income can be reduced with this deduction.
For Mr A : With his taxable income of RM 90000 , Mr A can make a donation of RM 6300 .This deduction results in a saving of RM 1512 ( RM 6300@24%)

7) Take Up postgraduate studies

A relief of RM 5000 per year for any course of study at the Master’s or doctorate level , the government announced in 2007 Budget the widening of the scope to all postgraduate studies.
The course does not have to be done full time , but “ must be in an institution or professional body in Malaysia recognised by the government or approved by Minister of Finance
Tax Deduction : RM 5000 per individual
For Mr A : As he completes his master’s degree . Mr A can enjoy tax saving RM 1200 from his taxable income ( RM 5000@24%)

8) Read , Read , Read

Starting from YA 2007 , taxpayers can claim a personal tax deduction to RM 1000 for purchase of books, journals , magazines and other publications.
To maximise this generous deduction , consider giving books as gifts.
Tax Deduction : RM 1000 per individual
For Mr A : With book purchases of RM 1000 Mr A saves RM 240 ( RM 1000@24%)

9) Get Sporty

You will get a deduction of RM 300 for each year of assessment for the purchase of sports and exercise equipment for any sports activities defined under the Sport Development Act 1997 “
Tax Deduction : RM 300 per individual
For Mr A : By buying RM 300 worth of sports equipment , Mr A makes a saving of RM 71 ( RM 300@24%)

10) Buy Life Insurance

The maximum tax relief is RM 6000 a year for premiums paid to an insurance company for life Insurance or deferred annuity plans.
This Limit is shared with your contributions to the EPF, other employer schemes and contributions under any written law relating to widows or orphan pensions
Tax deduction : RM 6000 per individual ( shared with your EPF contributions )

11) Take out a Medical or Education policy

You can claim deductions of up to RM 3000 a year for education and medical insurance ( combined limit for both )
This includes medical coverage that is part of life insurance policy( the limit for life insurance is in move 10 )
A policy of this kind can be written for you , your spouse or your child.
Tax deduction : RM 3000 per individual
For Mr A :After acquiring an education policy for his children , Mr A makes a saving of RM 720 ( RM 3000@ 24%)

12) Pay your parents’ medical bills

You are able to claim up to RM 5000 for payments towards your parents’ medical bills.
Tax deduction : RM 5000 per individual
For Mr A : By paying his parents’ medical bills , Mr A makes a saving of RM 1200 ( RM5000@ 24%)

13) Medical

Claim a deduction of up to RM 500 per tax year for a full medical examination and RM 5000 for medical expenses for yourself, spouse or child for serious disease.
If you have also spent money on full medical in the same year, your claim will be reduce the RM5000 available for serious disease.
A separate tax reduction of up to RM5000 a year is given for necessary basic supporting equipment for disabilities suffered by yourself ,spouse, children or parent
Tax Deduction : RM 500 per individual for full medical check-up. RM5000 for serious diseases or basic supporting equipment
For Mr A : He claimed for a full medical check-up .The deduction give him of RM 120 ( RM 500@24%)

14) Pay Zakat

If you are a muslim ,paying any amount in zakat , fitrah or other obligation Islamic dues will entitle you to a tax rebate.
Tax deduction : The Amount of zakat that you pay

15) Buy a Computer

A deduction of up to RM 3000 can be claimed once every three years for the purchase of computers , printers and bundled software .
The similar i9ncentive given previously in the form of a tax rebate was withdrawn with effect from 2007
Tax deduction : RM 3000 once every three years.
For Mr A : Getting a computer for RM3000 gives him a saving of RM 720 ( RM 3000@24%)

16) Hire a Tax Consultant

Consider hiring a tax consultant to explore ways your remuneration package can be structured to maximise your tax savings.
Those who are earning at least RM5000 every month should be able to justify the cost of hiring a tax adviser with their tax savings
Tax saving : this is dependent on your personal circumstances and the deal that you negotiate with your employer.

Tax – Savvy Investments

You may be looking at some investment this year.
There are savings to be made from certain investments , from a tax point of view.
However , some moves may be advantageous if you fall into a higher tax bracket.
Besides looking for tax-exempt investment , here are four investment moves to explore

17) Buy property valued below or at RM250000

Stamp duty must be paid on all property transactions that involve a change of legal ownership.
Last year’s budget ( 2008 ) announced a 50% stamp duty exemption for the purchase of houses that do not exceed RM250000
The maximum tax savings that can be found here is RM2000 ( for a house worth RM250000 )
This exemption is only given for one house per individual and applies to sale and purchase agreement signed between September 2007 and December 2010

18) Buy Similar property

Similar property can be grouped together for income tax purposes.
The IRB has indentified categories such as residential , commercial and vacant land.
If you own two property in the same category , you can reduce the taxable profit made from one property with the loss, if any incurred from the other.
Property investors are also exempt from real property gains tax for all disposals on on or after 1^{st April 2007.}
^{However , taxpayers who are trading property – buying and selling in order to generate income – are liable to income tax.}
^{“ This exemption is meant for taxpayers who invest in property for a passive income”}
^{Tax deduction :}^{Taxable income received from renting out a property in a particular grouping such as residential can be reduced if a loss was incurred by another property in the same group.}

19) Buy shares ( page1 )

Invest in dividend-yielding shares if your tax bracket is above 26%.
A new single-tier system was established under the national Budget for dividends received by shareholders.
Companies pay tax of 26% (YA2008) and shareholders receive a net dividend that is exempt from tax and does not need to be filed with the IRB “Shareholders who fall into higher tax brackets [higher than 26%] are essentially [getting a] saving on the difference.
“The single-tier dividends is intended to simplify the tax filing process for individuals,” says Chua Tia Guan, executive director and head of tax and financial planning at Great Vision Wealth Management Sdn Bhd.
“In the past, refunds had been slow. From now on, there is no need to declare or apply for a refund. And as corporate taxes are falling, companies will be able to pass on more profits to their shareholders [in the form of dividends],” he says.
However, not all companies will go under the single-tier system immediately as some of them might have imputation tax credits left, which they can use till 2013.
Shareholders who receive dividends from companies using the imputation system will have to report the amount received and claim a tax refund if his personal tax rate is lower than the company’s tax rate (27% in YA2007, 26% in YA2006).
Shareholders can identify the system used by the company as it is stated in the dividend vouchers.
Tax Deduction : Your tax saving is the difference between your tax bracket and 26% (the corporate tax rate). This is only applicable to dividends given out by companies using the single-tier system.

20) Invest in REITs

You can go into real estate investment trusts ( REITS )if your tax bracket above 15%.
There are 11 REITs listed on the Main Board.
The tax on dividends given out by these property-related investments are taxed at 15% as compared to tax on dividend at 26% ( under the new single –tier dividend system )
Only tax brackets exceeding 15% would enjoy some tax savings by investing in REITs
Since the distributions received by individual taxpayers have been subject to that 15% , the taxpayers are not required to declare the amount in their tax return.
Tax deduction: Your tax saving is the difference between your personal tax bracket and 15%

Moves for Business Owners

The first rule that small-business owners should implement with regards to their taxes is to take it seriously.
Spend some time strategising for your business activities to save hundreds or thousands ringgit.
Here are six

21) Maintain books and records from Day 1

Keep separate bank accounts for personal and business transactions and establish a basic accounting system.
The inland Revenue Board recognises business income on an accrual basis .
This means that as long as a transaction is completed, either a sale of goods or a provision of service , its value is immediately treated as business income and is taxable.
However , unpaid transaction can be reduced your taxable income.
Any expenses made fro the business can be deducted from the business income.
The General rule is that expenses can be deducted if it is wholly and exclusively incurred in earning your business income.
So Keep the receipts for all supplies that you buy for your business
However there is no deduction for capital expenditure although some assets will qualify for tax relief by way of capital allowances

22) Time the purchase and use of your fixed assets

Capital allowances are permitted for certain business assets such as equipment , machinery , vehicles computers and software.
The amount of allowances permitted each year depends on the category that asset falls into .( refer to Public Ruling No 2/2001 for the deductible rate of your assets.
The first capital allowance is given for the accounting year in which the asset was purchased and used by the business.
If you are contemplating a purchase , try to do it before the end of the accounting year, instead of just after , to claim the capital allowance against your business income.
If you are buying the asset with a hire-purchase loan, allowance can only be claimed as and when repayments are made to the lender.

23) Buys a company car

If you are a sole trader or a partner in a business, any car or vehicle that is used for business purposes can bring about tax deductions.
“The business income is reduced by the car’s financing cost if you buy the car on hire-purchase.
You are also deduct a certain amount for capital allowances every year,
Before implementing this tax-saving technique, business owners must identify a percentage of the car’s use that is for private activities.
As there is no definite ruling on how to determine this proportion for private use, business owners must apply a fair and reasonable figure that can withstand scrutiny.
“Estimating private mileage is an exercise that must be undertaken in accordance to the facts on your actual usage.
And remember to record all running expenses to make these deductions,” says Thornton.

24) Hire your spouse or family member

An effective tax-saving strategy is to hire a spouse or family member.
“For example, a husband who is a business owner can hire his wife. The wife’s salary is tax deductible but you must be able to show that she is doing something to earn it,
In this situation, you would have to contribute to your wife’s Employees Provident Fund (EPF) savings and that amount entitles her to tax relief.
Another option is to make your spouse or family member a partner in your business.
This allows you to divide the income made by the business between the both of you.
As a partnership has no tax liability, both partners are liable for tax for the respective portion of business income that each earns.
“By opting for separate tax assessments, a husband and wife who are partners in a business can each claim individual tax relief.

25) Implement a process to ‘chase after’ unpaid debts

Unfortunately, small business owners can complete a sale or service but might not receive payment, in full or in part.
At the end of an accounting year, a debt, which is estimated to be wholly or partly irrecoverable, can be deducted from your business income and this lowers your tax bill.
“Tax authorities tend to look closely at bad-debt write-offs and provisions (for debts that are expected to be partly recoverable).
So put in some effort to recover the debt before deeming it irrecoverable and you must evaluate each debt separately.
The process that you put in place to recover your unpaid debts should be documented and any conclusion that you make should be supported with documentation as well.
For example, you must show why it it not cost effective to take legal action against a customer.
However, if you eventually recover bad debts that have been written off or partially written off, you must include this amount in your taxable income for the year that you received payment.

26) Dedicate a space in your home office

Working in your own house can result in tax deductions for the costs related to your “home office”.
This includes electricity, telephone bills, quit rent and service charges of apartments.
The best way to claim for these deductions is to dedicate a room or place as the working environment.
“A dedicated area helps to identify expenses that are specifically for business purposes and can be claimed in full.
Items that are used by the business as well as personal use, such as electricity, must be apportioned.
One way to do so is on the basis of floor area.
If the business owner pays rent for the working area, this expense can be deducted from the business income.
This applies to rent that is paid to a spouse who owns the home but is not involved in the business.
However, this is strategy is only effective if the spouse who is not involved in the business is taxed at a low tax rate as rental received must be declared as taxable income.
If this is an appropriate strategy for the business owner, A tenancy agreement that specifies rental for a specific part of the house at the prevailing market rate.

A MOTHER'S DAY STORY

2008-04-29T11:26:00.001+08:00

My mom only had one eye. I hated her... She was such an embarrassment. She cooked for students and teachers to support the family.

There was this one day during elementary school where my mom came to say hello to me. I was so embarrassed.

How could she do this to me? I ignored her, threw her a hateful look and ran out. The next day at school one of my classmates said, 'EEEE, your mom only has one eye!'

I wanted to bury myself. I also wanted my mom to just disappear. I confronted her that day and said, ' If you're only going to make me a laughing stock, why don't you just die?'

My mom did not respond... I didn't even stop to think for a second about what I had said, because I was full of anger. I was oblivious to her feelings.

I wanted out of that house, and have nothing to do with her. So I studied real hard, got a chance to go abroad to study.

Then, I got married. I bought a house of my own. I had kids of my own. I was happy with my life, my kids and the comforts. Then one day, my Mother came to visit me. She hadn't seen me in years and she didn't even meet her grandchildren.

When she stood by the door, my children laughed at her, and I yelled at her for coming over uninvited. I screamed at her, 'How dare you come to my house and scare my children!' GET OUT OF HERE! NOW!!!'

And to this, my mother quietly answered, 'Oh, I'm so sorry.. I may have gotten the wrong address,' and she disappeared out of sight.

One day, a letter regarding a school reunion came to my house. So I lied to my wife that I was going on a business trip. After the reunion, I went to the old shack just out of curiosity.

My neighbors said that she died. I did not shed a single tear. They handed me a letter that she had wanted me to have.

'My dearest son,

I think of you all the time. I'm sorry that I came to your house and scared your children.

I was so glad when I heard you were coming for the reunion. But I may not be able to even get out of bed to see you. I'm sorry that I was a constant embarrassment to you when you were growing up.

You see........when you were very little, you got into an accident, and lost your eye. As a mother, I couldn't stand watching you having to grow up with one eye. So I gave you mine.

I was so proud of my son who was seeing a whole new world for me, in my place, with that eye.

With all my love to you,

Your mother.

Always tell someone that you love them because you never know what day will be their last, or your own..

Always seek to resolve your problems or disagreements with loved ones because if either of you should pass on before, the one who is left alive will have the rest of their life to ponder those unresolved feelings but will never find closure. And closure usually brings Peace...

'I asked God, 'How do I get the best out of life?' God said, 'Face your past without regrets.. Handle your present with confidence. And prepare for the future without fear!

By His Spirit

2008-03-31T11:11:00.000+08:00

Today's Scripture

“Not by might nor by power, but by my Spirit,’ says the LORD Almighty” (Zechariah 4:6).

In this day and age, we are equipped with so many wonderful resources in the natural: technology, education, abilities. It’s easy to rely on our own natural strength for so many things. We have to remember that this natural world is only temporary, but the spiritual realm is eternal. We aren’t limited to the earth’s resources; we have unlimited spiritual resources by the Spirit of God. There are things in life that can’t happen by human thinking and reasoning. There are things that won’t be solved by natural power and might. But God is not limited by the resources of this world. When you open the door of faith in your heart, God will move through you in powerful ways by His Spirit. By His Spirit, you can overcome temptation. By His Spirit, you can receive healing. By His Spirit, you can fulfill every dream and desire in your heart. No matter what challenges or obstacles you may be facing today, know that you can live in complete victory by His Spirit!

A Prayer for Today

Father in heaven, thank You for giving me access to all Your spiritual blessings by Your Spirit today. I choose to rely on You and trust that You are working in my life. I praise and bless You, knowing that You are leading me in victory in every area of my life. In Jesus’ Name. Amen.

Hope Comes from Him

2008-03-31T11:06:00.000+08:00

Today's Scripture

“Find rest, o my soul, in God alone; my hope comes from Him” (Psalm 62:5).

God is constantly planting seeds of hope and victory in your life. He’s constantly trying to deposit His faith on the inside of you. Often times, when we’re anxious and worried, it’s difficult to hear His voice of hope and confidence. But when we stop and quiet ourselves, when we find rest in Him, we will recognize His voice of hope. You’ll hear Him saying to your heart, “Your best days are still in front of you, you are more than a conqueror, you’re the head and not the tail.” As you receive His hope, it creates a foundation for faith to rise inside your heart. The Bible says that faith gives substance to things hoped for. In other words, your hope gives your faith something to work toward. If the cares of this world have left you frustrated and empty today, make the decision right now to open your heart and allow the Lord to deposit His hope on the inside of you. It doesn’t matter what you are facing today or what’s happened in your past, God wants to give you hope today. He wants to pour out His blessing in every area of your life so that you will live the abundant life He has for you!

A Prayer for Today

Father in heaven, I ask for Your hope today. Thank You for lifting me up into heavenly places with You. Show me how to be a vessel of hope to those who are around me today. In Jesus’ Name. Amen.

Repentance: The Believer's Tool -- Romans 10:9-11

2008-03-31T11:04:00.000+08:00

As believers mature spiritually and gain wisdom from God's Word, they should recognize that faith, confession, and repentance are all necessary tools for maintaining an intimate relationship with the Lord. We need to believe that Jesus forgives our sin, which leads us to confess wrongs before Him and turn away from them so that we will not continue to grieve our Father. If one tool is ignored, the remaining two cannot complete the job of building a successful Christian life.

Faith means believing that God forgives our sins and meets our needs, but it doesn't imply that we should be passive. The life of faith takes work--we pray, obey, serve, and keep our heart clear of sin through confession and repentance. If our view of God is clouded by sin, we'll find it hard to trust Him.

When we trust God's power to forgive, we gain confidence to confess sin--this means agreeing with Him that our transgression is wrong and violates His will. We can't seek His forgiveness until we are willing to identify our sin and recognize how it negatively impacts our relationship with Him. Yet confession is incomplete unless we also repent. And sadly, true repentance--turning away from sin through the power of the Holy Spirit--is increasingly neglected as our society encourages tolerance and doing whatever feels right.

Realize that sin must be abandoned because it grieves God; otherwise, you will damage your fellowship with Him. To keep your heart pure before the Lord, use all the tools He has given: faith, confession, and repentance.

The Place of Faith

2008-03-29T16:34:00.005+08:00

Should a Christian set aside MONEY for savings and insurance or does that mean he is not relying totally on GOD?

Many Christians think that the Christian life should be lived on the edge. Giving up our all and believing that everything will always be provided by GOD miraculously and on time is often seen to be the norm in Christian living. After all, does not Paul tell us:"We live by faith, not by sight"(2 Cor 5:7)? And what about Heb 11:1 - "Now faith is being sure of what we hope for and certain of what we do not see"? Is this really what Paul and the writer to Hebrew meant?

How does GOD Provide?
Christian are no different from the rest of the world when it comes to life's experiences. Emergencies crop up, we get sick, our children's education needs must be addressed and one day we will grow old. GOD's promise to us as Christians is that in the midst of the expected and unexpected, he is always with us, helping, protecting guiding and nurturing.

The Challenge to save and value of cash savings
Preparing and saving for the future for both expected and unexpected events is part and parcel of daily Christian living. We need cash to purchase items needed for daily living (food, clothing, transport, leisure and so on). The surplus is for savings which we can park or invest in various instruments depending on our goal and risk appetite. When considering cash savings, bear in mind that the value of money varies over time. This is the time-value or future value of money. Generally, the value of money is affected by :
A. Rate of return ( of your savings)
B. Rate of inflation

A is positive and builds up your savings while B is negative and erodes the value of your savings. In other words if the rate of inflation is higher than the rate of return, in x years from now your money will be worth less that is it has less purchasing power. In any savings plan a portion should be in cash. To meet unexpected obligations try to save at least 2 months salary in the form of cash.

Can Christians buy insurance?
Would it indicate a lack of faith in GOD? Scripture offer no support that this is so. On contrary we see that while GOD is indeed GOD of miracles he more often than not chooses to work through the normal affairs of mankind, accomplishing his purpose and will in the outworking of day-to-day events. Insurance can thus be a means of GOD's providence. In fact whether we like it or not, Christians are required to buy insurance coverage for our housing loans and motor vehicles. We know it helps to pay for monetary losses experienced at unexpected times like accidents or death. Not everyone has the luxury of extra cash after paying for the necessities of life at the end of the month. If this is your experience, perhaps it is time you reconsidered your lifestyle. This then would be your first challenge!

Practical steps to take

Plan and set aside a fixed amount to give to GOD every month-keep this commitment without fail
Then, purchase a Whole Life insurance policy with medical benefits. Start early-premiums soar with age. Try to buy a larger coverage(sum insured)-it is worth it although things may be a bit tough at first. If you bought policies years ago it is time to review them as to the current appropriateness of your coverage
Finally, set aside some cash monthly. Do not touch it except in emergencies-holidays, changing cars and upgrading the computer are not emergencies. The monthly amount need not be large-something is better than nothing. Put aside 10% of your monthly salary for savings if possible. The cumulative sum over years will surprise you.

In conclusion, in midst of all these considerations, remember to be grateful to GOD for all he has already provided. Trust HIM to continue to do so for he is our heavenly Father who cares deeply for us and supplies all our needs!

Reasons for SAVING

2008-03-29T16:24:00.003+08:00

FOR A SPECIFIC PURPOSE OR GOAL
This can be short or long term. For example, saving for a holiday, a downpayment for a car or house, giving to GOD's work or financing your children's future education.

FOR EMERGENCIES
Emergency funds are needed for things like major car repairs, house repairs and prolonged illness.

FOR RETIREMENT
Retirement savings ensure that we can continue enjoy a decent and reasonable lifestyle after the income stream stops.

FOR SUDDEN DEATH
How will your loved ones cope with the financial hardships that may result from your death? What about your children's future? And your parents?

Your Life Goals - What are they?

2008-03-29T15:48:00.003+08:00

Until you know what they are, there is almost no chance you will live a genuinely magnificent and significant life. So, let me help you make a start toward identifying your key life goals. We all harbour basic aspirations like retiring with enough money to fund a great lifestyle for our families and ourselves, setting aside sufficient resources to educate our children in the best manner possible and perhaps helping some people along our journey through life.
If we compare awesome lives of the calibre of Mother Teresa and Mahatma Gandhi with those of genocidal monster like Adolph Hitler and Idi Amin, we realise each such person had the same access to time that we do: Precisely 24 hours a day.
Some people choose to invest their lives in helping others, while others squanders theirs in an evil bid to accomplish some hellish purpose. While most of us will never accomplish as much pure benevolence as the first pair nor ever come close to committing as much utter malevolence as the second two, intuitively we know that what we choose to do with our time matters.
Our seconds, minutes, hours and days form the fabric of our one life on Earth. If we manage our time well, we will manage our life well; and I'm not talking about merely becoming more efficient! Our goal should be greater effectiveness.
Stephen Covey teaches the concept of ensuring your ladder is leaning against the correct wall before you begin a tiring climb to the top. I like to think of a troop of gungho boy scouts trekking through thick undergrowth for hours. Finally one enterprising young man, brighter and more agile than the rest, decide to clamber atop a tall tree. Imagine his companions' chagrin should he yell out "Guy! We've made great progress...but we're in the wrong forest."
Each of us has an unknown number of days. Most likely it will fall inside the range of 10,000 and 40,000 days. How many days we have exactly, only GOD knows; to the rest of us, it is the ultimate 'unknown quantity'. Thankfully, what is more important than how long we live is how well we live.
A life well lived is one that has extended its range and scope beyond the natural but selfish inward focus of an infant outward to the world at large. A balance needs to be attained between time spent on ourselves and time spent for others.
So, do yourself a favour by investing the appropriate quantum of time each day toiling, sleeping, playing, serving and loving. If you can achieve the correct personal balance between those five super-imperatives of life, you will live a satisfying, successful life. If you don't, you won't.
In determining the right balance for yourself, take time - no, make the time - to identify key life goals that matter to you. For each one, find and then define a cause bigger than yourself.
Live each day aiming to make some headway toward each of your important goals. This truth is reiterated in Brian Tracy's outstanding time management book Eat That Frog! He teaches a blueprint for accomplishing important goals that comprises 7 steps:

Decide exactly what you want
Write it down
Set a deadline on your goal
Make a list of everything that you can think of that you are going to have to do to achieve your goal
Organise the list into a plan
Take action on your plan immediately
Resolve to do something every single day that moves you toward your major goal

Rewrite the above 7 steps in your own handwriting. Then begin working through them-today. After all, as ancient Greek playwright Euripides once observed,"No one can confidently say that he will still be living tomorrow."
And, my friend, that's why I hope you'll let the rest of today - and all your remaining tomorrows - count!

...Counting on Humour -Venture Capitalist Statements to Entrepreneurs

2008-03-29T15:35:00.002+08:00

(What They Say vs. What They Mean)

Submit your Business Plan. We'll look at it. (Our recycling profits are up 18% this year)
We'll get back to you. (We'll give it to our intern if he doesn't have anything else to do)
We think your company is overvalued. (In fact it's undervalued, but we'd never tell you that)
We'll need to make some small changes to your Business Plan. (Starting with your participation)
51% is just a formality. You'll still have complete control. (I'm putting my nephew in as President)
We don't expect our people to burn out. You can have a life. (We'll put a cot in your office)
We never hesitate to fund a good idea. (And yours ain't it)
Don't worry about that soft quarter. We're still solidly behind you. (The executive search team is already looking for your replacement)
Your founder shares are guaranteed to vest. (Immediately after revocation)
We won't interfere with your IPO. (What IPO?)
Just think of us a passive partner. (We'll be sending you our required vendors list.)
We're very interested in your idea. (You're buying lunch.)

...Counting on Humour - Biggest Lies

2008-03-29T15:19:00.003+08:00

3 Biggest Software Lies :

The programmes are fully tested and bug free.
We're working on the documentation.
Of course we can modify it.

3 Biggest Computer Room Lies :

As long as you remember to 'SAVE' your input, you'll never lose any files.
We run the stuff through as fast as it comes in the door.
The new machine's on order.

3 Biggest Large Company Lies :

We have an entrepreneurial spirit here.
People are our greatest resource.
We say 'let the market-place decide'.

3 Biggest Small Company Lies :

We have an entrepreneurial spirit here.
The boss is just one of the guys.
Staying small is a conscious decision .

3 Biggest Marketing Lies :

Immediate delivery?....No problem.
We treat every customer as if they were our most important.
We're going out to lunch to talk business.

3 Biggest Engineering Professor's Lies :

Some day this course will come in handy.
These test are more trouble for me than they are for you.
This is the way they do it in the industry.

3 Biggest Executive Lies :

Money...it's just a score card.
If it were up to me, there'd be no assigned parking spaces.
You have to twist my arm to get me to go on a business trip.

3 Biggest Hardware Lies :

We always design for testability.
It worked fine on the proto board.
That would be much easier to implement in software.

...Counting on Humour - How Government Works

2008-03-29T15:06:00.002+08:00

Once upon a time the government had a vast scrap yard in the middle of a desert. Congress said "someone may steal from it at night." So they created a night watchman position and hired a person for the job.

Then Congress said,"How does the watchman do his job without instruction?" So they created a planning department and hired two people, one person to write the instructions, and one person to do time studies.

Then Congress said,"How will we know the night watchman is doing the task correctly?". So they created a Quality Control department and hired two people. One to do the studies and one to write the reports.

Then Congress said,"How are these people going to get paid?" So they created the following positions, a time keeper and a payroll officer, then hired two people.
Then Congress said,"Who will be accountable for all these people?" So they created an administrative section and hired three people, an Administrative Officer, Assistant Administrative Officer and a Legal Secretary.

Then Congress said,"We have had this command in operation for one year and we are $18,000 over budget, we must cutback overall cost."

So they laid off the night watchman.

Challenge of a 660 Perodua Kancil Car

2008-03-20T10:36:00.002+08:00

Wow! What a challenge for 660 Perodua Kancil car. I went to Genting Highland on the 18 Mar 2007 to attend a mega conference. I drove my 660 Perodua Kancil all the way from KL. Prior to that I had been asking around a few of my friends to find out the road condition that leads to Genting. I was very happy to know from a few of my friends that the road to Genting has been widened and very well maintain but there are few high slopes which are dangerous and I need to be careful. However one of my friends, Dylan had been persuavesively asking me not to drive my Kancil up the hill. I was quite disturbed at his advice although he meant to care for me. He ask me to park my car at the parking lot outside Awana Hotel which everyone knows as the "Half Mountain" because he was not convinced that 660 Kancil can climb up to the top of Genting and he ask me not to try as it is very risky. I become worried upon hearing his adviceI was worried about the way up to Genting and also the safety of my car if I were to park it at the open space. On that day, despite this negative advice, me and my wife decided to drive our car straight up to the top of the hill. Yes, what Dylan said was right. Although the road to Genting has been widened but it was steep for my Kancil. I have to drive with low gear almost all the time until I reach to First World Hotel where I suppose to attend my conference. The riskiest part of my trip up to Genting was a 90 degree turning after the Awana which I did not notice as I was having a nice conversation with my wife. As I reach that corner which I was caught unnoticed, I tried my best to stop my car in a hurry and change my drive to 1st gear. With the 1st gear to encounter the 90 degree turning with a 30 dgeree steepness its really a great challenge for me and my car. As I drove up the slope I found that my car become more and more weak than ever until it nearly off my engine but I thank GOD! I did not totally panic at that particular point. If I totally panic I will hit the clutch which I will let my car reverse down the slope. Very thankful that day that I manage to let my car engine stayed alive and went up that slope. Never gonna forget this encounter! After 3 days, another type of challenge come to me and my Kancil - to go down from Genting. Hooh! This is a terrible experience for me as I was afraid of height, I did not really have a good sleep in Genting from the day I reach there as I was worried how to drove down safely. As I drove down using low gear, fear just fill me along the way. My friend has advice me not use my brake often as it will hurts my brake but fear leads me to use it. With a combination of low gear and brake I drove with fear and to my dismay I smell tyre burning smell as I hits the brake on my way down. I also feel some mechanical movement as I hit my brake. All this further deepen my fear of crashing. I was praying asking GOD to protect me. I was thankful that GOD heard my prayer and leads me down the hill all the way and now I'm safely at home. As I was writing this experience, my wife drop by and asked me what do I learn from this experience and what I would like to tell my reader and what can they learn after reading my story.....Lessons to learn :-
1. I will never drive my 660 Kancil up to Genting again.
2. Concentrate during driving and be watchful in front

Change...Changes... Changing...

2008-03-15T13:21:00.002+08:00

As I grow older, I realised that "CHANGE" is a necessity in our live no matter who are you, what is your profession, how old are you, where are you living...blah,blah,blah... As for me I noticed changes took place in :-
1. Climate - not easily anticipated compared to 10 years or 20 years ago
2. Childhood - more equipped & hands-on with computer
3. Technology - new technology rises amazingly for example - blogging
4. Living standard - changing from slow pace to quick pace
5. Disease - changing from cancer, AIDS... to Depression
6. Morale - from caring to self-centered

Everything is changing and the pace of change is so quick until we are not able to cope with it. Some of us stop following the change. Some of are adapting to the change. Some of us looking forward for a change. Nevertheless, whether we agree to the change or not slowly and somehow we have to accept it. I would encourage everyone that we rather accept and adapt the change with a cheerful than a doubtful for there's a saying :- Your "ATTITUDE DETERMINES YOUR ALTITUDE". Hope you received it TODAY!.