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Posts Tagged ‘wealth

What Will Matter by Michael Josephson

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Thank you Michael Josephson for sharing “What Will Matter”.
Herein, I include my reflections in italic.

Ready or not, some day it will all come to an end.
There will be no more sunrises, no minutes, hours or days.

All the things you collected, whether treasured or forgotten, will pass to someone else.
Your wealth, fame and temporal power will shrivel to irrelevance.
Blueroselady: adopting an attitude of 富贵于我如浮云 can give us serenity.
It will not matter what you owned or what you were owed.
Your grudges, resentments, frustrations and jealousies will finally disappear.

So too, your hopes, ambitions, plans and to-do lists will expire.
The wins and losses that once seemed so important will fade away.
Blueroselady: 是非成败转头空.青山依旧在,几度夕阳红.

生活只有两种选择:重新出发,做自己生命的主角,抑或停留在原地,做别人的配角。
Be the main actor of your life!

It won’t matter where you came from or what side of the tracks you lived on at the end.
It won’t matter whether you were beautiful or brilliant.
Even your gender and skin color will be irrelevant.

So what will matter? How will the value of your days be measured?

What will matter is not what you bought but what you built,
Blueroselady: to build = to create / invent / innovate
not what you got but what you gave.
What will matter is not your success butyour significance.
What will matter is not what you learned but what you taught.
What will matter is every act of integrity, compassion, courage or sacrifice that enriched,
empowered or encouraged others to emulate your example.
What will matter is not your competence but your character.
What will matter is not how many people you knew,
but how many will feel a lasting loss when you’re gone.
What will matter is not your memories but the memories of those who loved you.
What will matter is how long you will be remembered, by whom and for what.
Living a life that matters doesn’t happen by accident.
It’s not a matter of circumstance but of choice.
Choose to live a life that matters.
Blueroselady: You have tremendous intrinsic strength to choose the life that you want to live. Be the master of your soul, be the captain of your ship.
Believe in yourself!

©2003 Michael Josephson

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Written by blueroselady

May 20, 2013 at 7:39 am

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How to read over 100 books a year? 8 effective tips

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A friend of mine, X, a voracious reader living in Singapore shared with me the effective tips to read over 100 books a year.

1. Read books in the fields that you are INTERESTed in.
"Dear sister, do you remember how you finish reading the thick books of Harry Potter? Your interest and liking drove you to move from a page to the next".
Now, we are interested in happiness, health, and wealth.
Having an interest is like having a reason why you are taking a particular actions.
When you have the WHY, the HOW will reveal to you.

2. ASSOCIATE a book with a specific value.
An Adam Khoo program on "master your mind, design your destiny" costs ~ Singapore $3,000.
X told me that she can borrow the book from the Singapore library.
Instead of spending ~Singapore $3,000,
X only has to spend his efforts (time, brain energy) to read the thick book of ~350 pages.
The thickness of the book never discourages him because the cost of S$3,000 means that
for every page that he consumed, he saves $9.
Whenever you feel distracted to do other activities that give instant reward,
think of your mental image of the book with a price tag of $3,000.

Many people ignorantly perceive that reading is a passive activity,
but the truth is watching TV / movies is worse
because the latter slows down our brain.

Reading can be a social activity,
imagine that we are having discussions with the authors.
Take notes on interesting points,
summarize / simplify the main essence of the book,
and relate the ideas
to other books,
real life experience.

X summarizes by creating mind maps on a piece of paper.
When he forgets some parts,
he will quickly revise his mind maps and
be able to recall the details of what he has read.

X also converts his mind map into a voice note,
so that he can listen while taking public transports.
Through summarizing and revising,
X says that he will always remember what I have read and learned.

3. MAKE NOTEs
You can make notes that include
a summarized visual notes (mind map),
auditory notes (from your mind map or some examples that you find useful).
For summary note,
X recommended to use paper,
you can join few sheets of paper
if there are a lot of info and
still have a 1 large summary page.
X also sometimes writes notes in his notebook,
where he can scribble his own comments,
or photograph / scan few pages (of the book)
that contain useful info.

4. Review your notes.
After you review your notes 3x:
the 1st is immediately after finishing reading the book
and making your notes,
the 2nd time is e.g. 1 week / month later,
the 3rd time is 1 year later,
you will never forget the wisdom you have learned from the book.

5. Apply Pareto 80/20 law.
You do not have to read every word,
this applies to your text book as well.
X suggested to start with
TOC,
figures,
summaries at the end of chapters (if any),
headings / subheadings.
Sometimes X starts reading from middle of the book, or back of the book,
it depends on your judgment.
The more you practice,
the better (faster / more absorbent) you will be in reading.

6. Apply Parkinson law
Set a deadline to finish reading.
X loves reading library books because he does not have to spend extra $ to buy the book,
though X claims that he does spend $ to pay tax that contributes to the purchase of the books by lib, and X has a deadline to return the book.
In order to acquire values from the book,
X must read / extract knowledge / wisdom from it before its due date.

7. Connect / link / associate your knowledge
from a source (e.g. the book that you are currently reading)
to other resources (e.g.
the courses you have taken /
the movies or documentaries you have watched /
talks or seminars or conferences you have attended).

8. Apply what you have read.
Write an article
for your school magazine (you can put it in your CV),
for newspapers.
Give a talk.
Walk your talk.

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Written by blueroselady

March 16, 2013 at 12:15 am

The four aspects of wealth

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There are four aspects of wealth:
1. Intelligence / wisdom (智慧)
2. spiritual (心灵)
3. horizons (眼光)
4. materials (人财产)

I could not agree more.
Since a young kid, I always admire religious family, they seem to be happy even if they are not rich by the world standard. This is because they have God in their heart. God is a source of wealth and love. God is wealth and love.

Do not work for big companies forever, we must 创业.
Ignore those people who say that you have ambition (野心).

Thank you so much to my doctor for this advice.

March 2013:
While reading my old green notebook inherited from F,
I encounter a quote from Theodore Forstmann.
REAL WEALTH is not PHYSICAL.”
According to him, physical wealth can disappear;
government can take it away,
natural disasters can wipe it out,
criminals / terrorists can steal / rob / destroy it,
and so on.
METAPHYSICAL WEALTH cannot be taken away,
it is the driver for all of the growth
that takes place in the world.

Blueroselady thinks that
METAPHYSICAL WEALTH is the FOUNDATION for PHYSICAL WEALTH.
METAPHYSICAL WEALTH includes spiritual wealth, knowledge, wisdom, and horizon.

Written by blueroselady

March 15, 2013 at 3:50 pm

How do you define success?

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Our definitions matter.
I used to form my definition based on what I read from the media, what I heard from my teachers / friends.
Now, I have my own definitions, unshakable by transient things that I experience (see, hear).

Here are examples of how different people define success.

"Success is when I have cash, credit cards, condominium, cars, club memberships, career."
Blueroselady’s comment: Though this definition sounds materialistic, money is important things to have. On its own, money is neutral, but no money also means no honey (no enablers / enhancers for happiness). Think about how we perceive money.

"I am successful when others start feeling jealous of what I achieve."
Blueroselady’s comment:
We must be humble to prevent others from getting jealous towards us.
We must learn to be free from envy / jealousy.

"Success is when I attain my goals, or else I am a failure."
Blueroselady:
1. An occassional loss does not make one a loser. To quote the British politician Winston Churchill, "Success is the ability to go from one failure to another with no loss of enthusiasm."
2. There is no failure, only feedback (that our strategies have not worked). We must change our strategies, be flexible.

"Success is when I have attempted to succeed, irrespective of whether I achieve my goals or not."
Blueroselady: People who hold this belief are indeed the support of the society, they are COURAGEOUS to try regardless of the risks.

According to Seth Godin, success means that one is becoming an indispensable LINCHPIN, instead of a dispensable employee who is easily outsourced, downsized, or freelanced into obscurity. Remember that corporations (and other entities e.g. countries that work like corporations) will not take care of you for a lifetime. Start to take care of yourself now. Be self-sustainable.

"Success is when I learn something even from my failures."
Blueroselady:
1. never stop learning. This is one of the strategies to be a linchpin.
2. failure should not be promoted, but we accept it as a part of life that enables us to grow and develop into a better human being. For example, 7 out of 10 entrepreneurs fail, we know this statistic (from Morten Lund, an investor of Skype), but we should not encourage ourselves to be one of the 7 who fail.

"Success is when I fail to achieve my goals and yet continue to live life with the same zest and zeal."

"Success is when I leave this world with satisfaction that I have lived my life, irrespective of my failure to achieve any prestigious post in the society."

How do you define success?

Related:
How to achieve inner strength?
How do you perceive money and wealth?

Written by blueroselady

November 3, 2012 at 10:06 am

What is next? the art of detachment

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A mentor from Singapore sent me a transcript by Dr Richard Teo Keng Siang.
He was a 40-year-old millionaire and cosmetic surgeon with a stage-4 lung cancer.

Below are what I learned from the sharing which I integrate with my growing thoughts.

Medical aesthetic is a growing field. Richard viewed his patients (sources of income) as vain women, but I empathize with women with low self-esteem. Some people simply do not have the opportunity to grow their inner strength, to detach from the influence of media that worships celebrities and the superficial opinions of other people around them. Sadly, the other people can include parents, spouse, lover, and friends. I remember how my mother’s sister suggested that I should go for a surgery. I was just a primary school kid, and her words did hurt me. Fortunately, I did not listen to her! Later in life, I learned that my attribute is desirable by men whom I am attracted to. Of course, there are also people who have not grown to the stage to accept themselves as a gift from universe. I do not mean to judge, but I respect that different people have different perspectives in life.

A good friend is a gift.
Richard’s friend, Danny offered to extract Richard’s wisdom teeth, went for a 2-day fast for Richard’s recovery.
Danny is a man that goes all the way for his friend.
I want to be like Danny for my friends.

Hebrews 12:7-8
"Endure hardship as discipline as God is treating you as His children"

Cancer patients told Richard that many times, people tell them to stay positive.
But those people do not have the same experience as the cancer patients.
However, Richard, being a cancer patient himself, has the license to encourage cancer patients.
While we have positive intentions to encourage people, sometimes our words / actions may not be received well.
Sometimes ago, I volunteer to work with cancer patients. A lady told me that she needs not help after finding out what my profession is. I felt slightly discouraged, but I respect her perspective.
I also remember when I wish someone "Good Luck", and she said "no need".
Similarly, we often hear angry mothers telling their husband "you will never understand the pain of labor".
In contrast, in countries like Singapore and Switzerland, we also hear angry men telling their women "I have to waste n years of my life doing military services, while you enjoy faster progress in education and career".

It is important to have a trust / belief / faith. For Richard, Danny, Blueroselady, and many people, this includes the belief in God. There are people who do not believe in the religious God, but the act of respecting nature / universe, is a form of belief as well.

It is important to love and make service / contribution to others.
To quote Lusi Lim, "while we are celebrating the glory of human success, we must not forget: One day, our wealth, fame and power will all become irrelevant because it will all come to an end…"

According to Richard, many people are blessed with good wealth, but cannot handle them. The more people have, the more people want.
According to Matthew 19:23, Jesus said to his disciples, "I tell you the truth, it is hard for a rich man to enter the kingdom of heaven."
Hard does not mean impossible.
In the mass that we attended on the same day we celebrated our anniversary, I learned from the priest that church teaching does not forbid us to accumulate private property, but we must not be attached to our materialistic wealth.
Therefore, Blueroselady strives to master the art of detachment.
Wealth on its own is neutral, but the master of the wealth can use it for different purposes, e.g. to build hospitals, schools, to help the poor versus to show off by purchasing lavish luxury things (cars, bungalows / villas).
Moreover, there are also different kinds of wealth, we need to achieve a balance in acquiring each aspect of wealth.
Too much focus on materialistic wealth may compensate the growth of spiritual and wisdom wealth.
If one has dependants e.g. children and old parents / relatives without sufficient social security, a total neglect on the acquisition of materialistic wealth (in the basic form of money) is also against our God-planned purpose.

Written by blueroselady

October 24, 2012 at 3:20 pm

How to play the game of life?

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In the 3rd weekdays of September 2012, I finished reading a classic entitled "The game of life and how to play it" written by Florence Scovel Shinn which was published in 1925, that was 87 years ago!
Due to different era of writing, honestly I do not understand every detail that she wrote, but I am so grateful that I grasp the most important essences.

Every game has rules:
Forgiveness law*. Quickly apply this law when you are erred / angry / disappointed.
Karma / cause-and-effect law. Reading horoscopes / bazi (八字) deals only with the cause-and-effect law, but a very strong mind can neutralize a prophecy of evil. For example, a horoscope reader once told my mother that she will live until 65. I do not believe it. Knowing how positive my mother is in her thought (she survived and overcame disasters and deaths calmly), I believe that she will live a much longer life with her healthy mind and body. God, I pray to you to take care the woman I love most.
Expectancy law*
Gratitude / appreciation law*
Divine protection law*. This law is useful to deal with the fear of forgetfulness. I cannot lose anything that belong to me. Anything lost, will be returned, or I will receive its equivalent.
Prosperity law*
Substitution law

Our thoughts significantly affect our lives.
What we imagine, sooner or later externalize.
Therefore, I strive to always think positive.
Sometimes, when you read self-help book, you will find some negative examples.

But the good news is positive thoughts and affirmations are many times more powerful than negative thoughts.
If you realize that you are thinking something negatively, quickly replace them with positive thoughts / affirmations / explanations.

By understanding the game of life, we enjoy love, happiness, health, prosperity / wealth, and self-actualization / self-expression.
Believe that each of us has the power to bless, heal, and prosper.

According to Florence, we have
1. conscious mind
2. subconscious mind / soul
3. superconscious mind / spirit

Notes to apply in life (based on the book and Blueroselady’s interpretations):
To use my conscious mind to reject negative thoughts / beliefs / opinions but to promote positive thoughts.

Our conscious mind can be the best FILTER we have to select thoughts and ideas that BLESS, HEAL, INSPIRE, and FILL our soul with JOY.
The subsconscious mind does not understand humors, so please do not say / joke about negative things. The same advice was also given by Joseph Murphy in his 1963 book: The Power of Your Subconscious Mind.

The forgiveness law is stronger than the cause-and-effect law. Always seek forgiveness for our mistakes and forgive others.
To talk about only what we want, not what we do not want. To say words that heal, bless, or prosper. Do not complain, criticize, or gossip. What man condemns in others, he attracts to himself.

Say thanks for our blessings (gratitude / appreciation law) when we wake up and before we sleep.
To be prosperous, we must be orderly (e.g. then our finances can be in order). De-clutter our lives.
Give (gifts, tithe) with love and cheerfulness. Give without expecting returns / gratitude from others; but receive my gifts with happiness and gratitude (if one does not accept the returns of his kindness, one violates law for all gifts are from God and people are merely the channel). Do not think that the giver will suffer a lack as a result of giving to us, because we are giving the giver an opportunity to do an act of kindness.

How to impress our subconscious mind?
1. active faith. Faith = an effort of will.
2. music
3. making-believe (like little children)

Why is the forgiveness law is stronger than the cause-and-effect law?

1. God has redeemed us from the karma law.
2. The God within us is our Redeemer and Savior.
3. If our past wrong cannot be righted, its effect can be neutralized by doing an act of kindness in the present.

Why is it important to say thanks for our blessings when we wake up and before we sleep?
1. Man often suffers loss through lack of appreciation. For example, a man who says he does not care about his marriage (to a nice wife) ends up losing his wife because his subconscious mind works to get him unmarried. Do not be indifferent / critical / unispiring to your partner, because this means you do not appreciate / are note grateful for your partner.

2. Being grateful allows me to be in equilibrium / HARMONY with my desire, hope, and ambitions.

On the importance of the HARMONY:
We must be in harmony with a thing in order to attract it.

2 attitudes of mind cause loss:
1. lack of appreciation / gratitude. For example, a man who does not appreciate his wife and losing her.
2. fear of loss. This fear makes a picture of loss in the subconscious.

INTUITION
intuition = to be taught from within.

Ask, and it shall be given you,
seek, and ye shall find,
knock, and it shall be opened unto you.
(Mat 7:7)

A real simple example of this Bible phrase is when I find a seat on crowded trains for most of the time.
I always go to the platform with less people (applying the SEEK).
While waiting for the train to come, I pray that there will be a seat for me (expectancy law).

Sometimes, there will be an empty seat for me because someone just get down when I board the train.
Sometimes, a kind person gives his / her seat for me. I try my best to thank the person twice, when I sit down and when I leave the train (gratitude law). I do not think that I am depriving the person a seat because I am giving an opportunity for the person to do an act of kindness. Moreover, not many people bother to thank others twice. In doing so, I hope that I can encourage more kindness.

Sometimes, people will just continue reading newspapers / playing with their IT gadgets / returning to sleep (in the seat reserved for pregnant women!), even though they may see my pregnant tummy. This can be challenging when I am tired / dizzy, yet I tell myself to practice the forgiveness law. These people may also be tired from working whole day.

I pray that an empty seat will become available by the next station.
Because I cannot move fast, someone may arrive at that desired seat faster than me.
In this case (applying the ASK), I say "sorry, can you please let me sit? Thank you".

Most time people will give the seat to me.
Of course the person can say No, but I believe that I will be safe throughout my journey (divine protection law).

Ask with faith (believing).
Desire without worry.

Act as if I have already received (prosperity, health, happiness).

We can control any situation if we can control ourselves.
When one loses his temper, he loses his power.

No man can fail, if a person sees him successful.

Therefore, we often hear the saying, behind every successful man, there is a woman (his wife).
Behind successful Blueroselady, there is a man who believes in Blueroselady’s ability to succeed.
The same thing goes when we see (visualize) our parents, children, siblings, friends, proteges successful, then they cannot fail.

Parents, do not over worry about your children.
Why?
Children are sensitive and receptive to the thoughts of others around them, especially their parents.
When parents / grandparents over worry about their children, the little ones attract illnesses / accidents.

Instead, as a mother, I sincerely affirm that I puts my child in God’s hands and he is divinely protected (divine protection law).

Parents should never force careers and professions upon their children.
Let the God in the child has perfect expression.

Suppose you have several talents, how do you know which one to choose?
Affirm: Dear God, please give me a definite lead, reveal to me my perfect self-expression, show me which talent I am to make use now.

Fear less.
Why?
Man attracts what he fears.
See the tips on how to overcome fear.

An old saying:
No man is your enemy, no man is your friend, every man is your teacher.

Positive affirmations (to say daily):
God is love.
God is supply.
God is my unfailing supply, and large sums of money come to me quickly in perfect ways.
I puts my child in God’s hands and he is divinely protected (divine protection law).

As 1 door shuts, another door opens.
Dear God, please give me a definite lead, reveal to me my perfect self-expression, show me which talent I am to make use now.
I have a wonderful work (business), in a wonderful way, I give wonderful service, for wonderful pay (income).

More positive affirmations are here.

Written by blueroselady

September 22, 2012 at 6:25 am

How do you perceive money and wealth?

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The media (TV, movies, magazines, newspapers) often portray the wealthy as those who wear designer clothes, eat fine dining, drive luxurious cars, and fly first class. Growing up and being fed by such information make many of us believe that is how the wealthy live their lives. In reality, this is only true for those who inherit their wealth, strike lotteries, or those super talented artists and sportsmen, but they risk losing their wealth without proper wealth management.

Examples:
Doris Day, a famous 60s Hollywood singer-actress, lost her fortune when her husband-manager cheater her and ran off.
Mike Tyson, a heavyweight champion who earned over $500 million, filed for bankruptcy because of his lavish lifestyle of luxury cars, huge mansions, and Bengal tigers.
Michael Jackson, earned over $700 million in his career, but he spent $20-$30 million more than he earns every year.

On the other hand, many people stay poor because of common negative beliefs about money and wealth. For example, when one sees one’s parents work so hard, being cheated, and still remain poor, they may adopt the common negative beliefs.
Here, I list the common negative beliefs and debunk why they are not true.

Myth: Having a lot of money will change you (into a bad person)
Myth: Money will make you less spiritual.
Myth: Money is the ‘root of all evil’
Fact: Money is a personality magnifier, it is neutral on its own, it is just a tool.
If one is selfish, having money will make him even more selfish.
Majority of causes of murder, cheating, stealing, lying are poverty (lack of money) and greed.
If one is kind and generous, money will enables him to give more to others, do God’s work.
When you no need to worry about money anymore, you can focus on more important things in life.
Some wealthy people believe that they do not own their money, they are merely custodians of God’s wealth.

Myth: We do not have a lot of money / time to make money because we love our children.
Fact: People who believe in this myth are giving themselves excuses. If they love their children, they will provide their best for their children, and not use their children as an excuse / justification for their lack of money.

Myth: Money will not buy you happiness.
Myth: Money is not that important.
Myth: Money is not everything.
Fact: It is true that money is not everything but everything is money. Without money, you cannot buy food / clothes and provide shelter for your family, you cannot buy presents for you friends, you cannot send your children to schools. Money can enhance the things that matter: family, friends, health, spirituality, career, education. Note that when someone says "money is not that important", he is just consoling himself. Analyze carefully before believing what others say.

Myth: The wealthy are materialistic.
Myth: The wealthy worship money.
Myth: Rich people are greedy and selfish.
Fact: Not all wealthy people work for money, some of them work for their passion / personal mission. People who lack money can also be materialistic, they constantly worry about money or are envious of their richer neighbors / relatives / friends.
If you resent rich people and think that they are bad, then your subconscious mind will never allow you to become rich.
It is important to find role models (rich people with integrity and kindness) whom you admire and are keen to learn from, instead of making hasty generalization.

Myth: If I am wealthy, my friends / family / relatives will look at me differently.
Myth: If I became wealth, I will lose all my friends.
Fact: If you lose some of your friends, then you realize that they are your false friends. True friends will be happy for your success and wealth. When you become wealthy, you will make new friends with wealthy mindset.

Myth: To have more money, I will be depriving others of it.
Myth: There is no enough money for everyone to be rich.
Myth: There are less opportunities to make money nowadays.
Fact: There is abundance in the universe. There are always enough / new resources for people who pursue wealth with integrity. In your process to make money (ethically, legally), you will create new / better products / services and jobs for others.

Myth: Having a lot of money will give you worries / problems.
Myth: The wealthy have a lot to manage.
Fact: Most problems in life (relationships, health, career) are the results of the lack of money.
Blueroselady’s reflection: I used to follow the myth in my early 20s, until a mentor VB told me that if I have no money, I will have more things to manage.

Myth: If God wanted us to have money, he would give it to us.
Fact: God helps those who help themselves. There is no free lunch in this world. Be self-sustainable. You have to ask (through prayer), believe that you deserve prosperity, and take action (work hard and smart).
Blueroselady’s reflection: Spending a larger proportion of my life seeking knowledge (as a student) than seeking wealth, the same principle applies. If we do not put in efforts in our study, we will not get good results, we will not gain wisdom, no matter how hard we pray, we need to take action. Now, in my chapter of life in seeking wealth to nurture the next generation, I will put my best efforts together with prayer to God.

Written by blueroselady

September 17, 2012 at 2:00 pm