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留言与分享 Reviews

谢谢大家的热烈支持和分享。你们的留言我们超爱的。这些是我们的推动力。
Thankyou for the wonderful reviews for our debut issue, your support will make a huge difference.

My MSN : rv7_84@hotmail.com
My Email : kimhuat.ng@gmail.com

更正声明:本部落格部分资料是从网络上收集整理制作的,如有侵害到单位或原作者个人的权益,请联系我们会及时更正!!email:kimhuat.ng@gmail.com
Showing posts with label Book 书. Show all posts
Showing posts with label Book 书. Show all posts

人生危机知多少?



人生危机知多少?

人一生当中,平均会遭遇10次人生危机。阶段性的人生挫折,分为年轻,中年及老年危机。 "危机处理圣经" - 邱强

1. 年轻人的危机

生涯规划
• 选擇职业/事业时,常常以当时最热门的市场为目标。

• 应该选擇在职业/事业市场需求上有长期趋势。 长期而言,国际化是必然的方向。

• 为自已的市场价值加分,提升语文及语言的能力。

• 行销人才永远都会有市场需求。


家庭规划

• 婚姻危机 – 结了婚, 又离婚。

• 选伴的标准有三:

(一)价值观(共同的价值观)

(二)个性(相容度、包容度)

(三)成长背景


2. 中年人的危机

失业危机

• 在危机发生以前就先在事业上转型。掌握市场价值。


婚姻危机

• 缺乏共同话题、对人生价值感到懷疑。

• 在苦闷丶恐慌与挫折下,如果遇到外来的透惑, 可能就爆出脫轨的火花来。

• 个性与成长背景上的分歧。


代沟危机

• 与子女相处的危机。

• 退后一步,放鬆一些,多倾听,少训话,亲子之间自然能找到最和谐的相处模式。


3.老年人的危机

- 不让更多危机发生 - 健康危机

- 生活空虛的危机


总结

( 一)年轻人以危机预防为主

(二)中年人以危机管理为主

(三)老年人以防止更多危机为主


生产消费者力量(Prosumer Power)

生产消费者力量(Prosumer Power)

引言
你最喜欢去的店铺,有没有曾经因为你推荐他们的产品而付给你报酬?

有没有店铺曾经在你买的每一件产品上都给你返还?

每次你给店铺写支票的时候,他们有没有也给你写支票?

如果你拥有一家沃尔玛,你会不会去K-MART购物?

有没有一家折扣店铺曾经邀请你成为他们的合伙人?

你是不是因为电子商务的爆炸而正在变得更富有?


如果你对以上这些问题的回答都是“不”,你要读这本书!

根据营销专家比尔奎恩博士所说的,普通人可以通过生产消费行为而创造高于平均水平的财富。

《生产消费者力量》是想在购物时创造收入——而不是支出的人的必读之书。

生产消费者力量 如果你想拥有更多,请你用店铺的方式思考。

《财富》杂志将新千年称为“消费者的时代”,这是有道理的。 网上购物的出现,大型折扣连锁店的扩张,商品价格和服务费用的不断下降,这每年都可以为消费者“节省”几十亿美元。

但是,当消费者购买打折货物时,他们真的是在“省钱”吗?

当他们兴高采烈地花着钱,却没有意识到自己把自己“买”向贫困线,而大型的电子零售商和零售店主们正收获着前所未有的利润呢!

当你以6折的价格购买一件100块钱的商品时,你不是“省下”了40块钱,而是花了60块钱!

当你从你的净资产中拿出60块钱来买一件消费品,你不仅仅是失去了60块钱,你还失去了用这60块钱去投资、以便在将来赚取更多钱的可能。

所以说,消费行为是对你的净资产的一项消耗——消费行为把钱从你的赢利中抽走,而不会增加金钱。

事实是,绝大多数的消费者永远不能获得财务保障,因为长期以来,他们受广告诱导去购买那些随着时间的流逝而失去价值的产品和服务。

消费者的思维是花钱,这必然导致资产的缩减和梦想的破灭。

另一方面,那些销售打折商品的大型店铺,为自己和股东们创下了前所未有的利润,是财富的生产。

生产者的思维是投资金钱,他们的目的是赚钱和建立资产,这是如何创造财富的关键。

今天,感谢那种打破传统观念的“生产消费者”思维,使普通人能够同时享受两个世界的好处——他们可以在消费的同时生产财富!

所以我说,“生产消费者”思维应该是更聪明地购物,而不是更便宜地购物。

生产消费者能拥有更多,是因为他们以店铺的方式思考。

如果你拥有沃尔玛,你就不会去K-MART买东西,对吗?

通常是,生产消费者拥有他们自己的店铺——“我的店”,这是我对它的称呼。

生产消费者学会了从“我的店”买东西,然后教别人做同样的事情,所以他们在花钱的同时也在创造财富。

生产消费者在经营自己的生意,并不只是自己做。

这个简单的概念,正在引起人们购物和工作方式的一场革命。

当你将你的思维和购物习惯,从短期的消费者模式,转换到长期的生产消费者模式时,你就改变了你的生活!

——来自比尔.奎恩博士的书桌引言 一个现代的寓言:生产消费者和折扣店铺 很普通的一个错误观念是:要多赚钱就得更努力的工作。

然而,从根本上讲,当你改变你的思维——不是行为——你的收入就会增加。

When you buy a $100 item at 40% discount, you don't "save" $40.

You spend $60! When you take $60 from your net worth to buy a consumable, you not only lose the $60, you lose the ability to invest that $60 and grow more money over time.

That's why consuming is such a drain on your net worth - consuming takes away from, rather than adds to, your bottom line.

Today, thanks to a paradigm-shattering concept called pro-sumer thinking, average people can enjoy the best of both worlds - they can produce wealth while they consume!

That's why I say that pro-sumer thinking is "buying smarter, not cheaper."

Pro-sumers have more because they think like the store.

If you owned a Wal-Mart, you wouldn't buy from K-Mart, would you?

In effect, pro-sumers own their own "store" - My-Mart, I call it.

Pro-sumers learn to buy from My-Mart and then teaches others to do the same, which enables them to create wealth while they spend.

Pro-sumers are in business for themselves... but not by themselves.

It's a simple concept that is revolutionizing the way people buy and work.

When you change your thinking and buying habits from short-term consumer thinking to long-term pro-sumer thinking, you can change your life.

Don't discount your dreams!


Yesterday night is our CA Biz School Recognition night, I went there had learnt a lot from all the new achiever especially for those students after attended LDS course since last month.

Besides, this month in our CA Biz School have a new GP who is the one of the famous High School headmistress. She share with us one of the popular book called 12 Pillars.
Below is what i had learnt from her yesterday.

12 PILLARS
The Gift of Relationship
-Time,effort & imagination must be summoned constantly to keep any relationship flourising &
growing.
-The joy of life is made of relationships.
-Quantity & Quality time.
-Make effort to make time imagine what your relationship could be, BE CREATIVE.

Achieve Your Goals
-The major reason for setting a goal is what it makes of you to accomplish it.
-Is the real goal of having a goal is to make you a better person.
-You cannot changeyour destination overnight,but you can change your direction overnight.

Surround Yourself with the Best People
-Don't join an easy crowd; you won't grow. go where the expectation & the demands to perform
are high.
-ie. our friends our attitude.
-When the students is ready, the teacher will appear.

Be a lifeLong Learner
-Formal education will make you a living, self-education will make you a fortune.
-Read books.
-Learn from successful people.
-Reflect on own experience.

The World can always use one more Great leader to lead others to help them change, their
thoughts, benefits & actions for the better.


How Anyone Can Build a Pipeline of Ongoing Residual Income in the New Economy.

The Parable of the pipeline is a captivating story with a serious message on how you can achieve personal and financial freedom. Instead of living from pay check to pay check every month in a job for the whole of one's life, the author is advocating something better and smarter. From one's salary, one needs to put aside income for investment. This the author calls building a pipeline. An investment yield returns all the time, any time of the day, in good and bad times, whether one is sick or not. Just like a pipeline, which once constructed keeps pumping daily, year in, year out, whether one is there or not. With a paying job, you are trading time for money (a day's work for a day's pay) but if you fall ill and are no longer able to work, the pay check also stops and life grinds to a halt for those people who never thought of investing in a pipeline, but instead were content to live from month to month on their meager salaries.

The parable in this book is a real eye opener. The story is well done and interesting. The story is helpful in opening your eyes to the work mindset which had been brainwashed into most people since childhood. Learning about building pipelines, which is residual income, is excellent in today's information age economy. Not yesterdays industrial age economy, which does not work anymore. I highly recommend this book personally and for business building.

Stop Carrying Buckets and Build Pipelines

The problem for many people is that they are trained to work a job and have not learned how to own a business. This book teaches principles on business ownership. The story is told in such a way to help you shift from working your whole life and having little in the end, or becoming a business owner, obtaining financial freedom, and wealth. This book goes along well with Rich Dad Poor Dad, Cash Flow Quadrant, and Business School by Robert Kiyosaki.

Change our Mind-set 选择打开不同的门


Change our Mind-set 选择打开不同的门

一个中年经理忙于应付帐单常常焦头烂额,所以决定向一个财务顾问请教。

这位经理与一位受尊敬的财务顾问订一个约会。这位顾问的办公室坐落在公园大道的一幢豪华大楼里。

经理走进了顾问精心装饰的接待室。令人惊讶的是,经理并没有见到接待小姐,而见到两扇门。一扇的记号为“被雇有人士”,另一扇为“自雇人士”。

他走进“被雇有人士”的门,又见到两扇门,一扇记号为:“赚超过40000美元”,另一扇为“赚少于40000美元”。

他的收入少于40000美元,所以他就走进了这扇门,却又见到另两扇门。左边的一扇记号为“每年存2000美元以上 ”,而右边的记号为“每年存2000美元以下”。

经理在银行里只存了1000美元,所以他走进右边的门,却惊讶地发现他又回到了公园大道。

故事中的经理永远都摆脱不了窘境,他选择打开把他带向起点的门。

如果我们要得到不同结果,唯一途径是选择打开不同的门,对吗?

所谓的“M型社会”指的是在全球化的趋势下,富者在数字世界中,大赚全世界的钱,财富快速攀升;另一方面,随着资源重新分配,中产阶级因失去竞争力,而沦落到中下阶层,整个社会的财富分配,在中间这块,忽然有了很大的缺口,跟“M”的字型一样,整个世界分成了三块,左边的穷人变多,右边的富人也变多,但是中间这块,就忽然陷下去,然后不见了。
M型社会一说来自于日本
M型社会,日本趋势学研究者大前研一以日本近20年发展历程为研究对象提出的一种社会发展类型的判断。即,原本人数最多的中等收入阶层,除了一小部分能往上挤入少数的高收入阶层,其他大多数沦为低收入或中低收入,原本的中间阶层凹陷下去,变得很小,于是,社会像个被拉开的M字。
众所周知,中产阶级是维持社会稳定的核心力量。最稳定的社会类型是橄榄型或倒U型。但是M型社会正在出现……
一个社会里有多少人是中产阶级?有多人只是自认是中产阶级?
大前研一给那些自认是中产阶级的提出了3个问题:
一、 房屋贷款造成你很大的生活压力吗(或是你根本不敢购置房产)?
二、你打算生儿育女吗(或是你连结婚也不敢)?
三、孩子未来的教育费用让你忧心忡忡吗(或是你连生孩子也不敢)?
这三个问题,只要你有一个的答案是肯定的,那就意味着你不算是、不再是中产阶级了,富裕和安定,正离你愈来愈远……
根据大前研一的统计,去年日本已有八成人口,沦入中低收入阶层。在这个新形态的社会里,如果企业与个人都不展开自救,政府又继续往错误的方式施政,恶性循环下,社会的失业率和物价将年年上扬,收入永远跟不上物价,整个社会对于未来,都将失去积极性。
日本“战略之父”大前研一关于M型社会的言论,已经不再是危言耸听。基于对日本社会的观察,大前研一认为日本已经进入了M型社会。
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