Singapore 's Youngest Millionaire Thinks!!!! WHAT IS GOOD LIFE FOR A TRUE MILLIONAIE!!!

What Singapore 's Youngest Millionaire Thinks!!!

By Adam Khoo

Some of you may already know that I travel around the region pretty frequently, having to visit and conduct seminars at my offices in Malaysia, Indonesia, Thailand and Suzhou (China). I am in the airport almost every other week so I get to bump into many people who have attended my seminars or have read my books.

Recently, someone came up to me on a plane to KL and looked rather shocked.. He asked, 'How come a millionaire like you is travelling economy?' My reply was, 'That's why I am a millionaire. ' He still looked pretty confused. This again confirms that greatest lie ever told about wealth (which I wrote about in my latest book 'Secrets of Self Made Millionaires' ).

Many people have been brainwashed to think that millionaires have to wear Gucci, Hugo Boss, Rolex, and sit in first class in air travel. This is why so many people never become rich because the moment that earn more money, they think that it is only natural that they spend more, putting them back to square one.

The truth is that most self-made millionaires are frugal and only spend on what is necessary and of value. That is why they are able to accumulate and multiply their wealth so much faster. Over the last 7 years, I have saved about 80% of my income while today I save only about 60% (because I have my wife, mother in law, 2 maids, 2 kids, etc. to support). Still, it is way above most people who save 10% of their income (if they are lucky). I refuse to buy a first class ticket or to buy a $300 shirt because I think that it is a complete waste of money. However, I happily pay $1,300 to send my 2-year old daughter to Julia Gabriel Speech and Drama without thinking twice.

When I joined the YEO (Young Entrepreneur' s Organization) a few years back (YEO is an exclusive club open to those who are under 40 and make over $1m a year in their own business) I discovered that those who were self-made thought like me. Many of them with net worths well over $5m, travelled economy class and some even drove Toyotas and Nissans (not Audis, Mercs, BMWs).

I noticed that it was only those who never had to work hard to build their own wealth (there were also a few ministers' and tycoons' sons in the club) who spent like there was no tomorrow. Somehow, “when you did not have to build everything from scratch, you do not really value money”. This is precisely the reason why a family's wealth(no matter how much) rarely lasts past the third generation. Thank God my rich dad (oh no! I sound like Kiyosaki) foresaw this terrible possibility and refused to give me a cent to start my business.

Then some people ask me, 'What is the point in making so much money if you don't enjoy it?' The thing is that I don't really find happiness in buying branded clothes, jewellery or sitting first class. Even if buying something makes me happy it is only for a while, it does not last. Material happiness never lasts, it just gives you a quick fix. After a while you feel lousy again and have to buy the next thing which you think will make you happy.

I always think that if you need material things to make you happy, then you live a pretty sad and unfulfilled life.

Instead, what make ME happy is when I see my children laughing and playing and learning so fast.

What makes me happy is when I see by companies and trainers reaching more and more people every year in so many more countries. What makes me really happy is when I read all the emails about how my books and seminars have touched and inspired someone's life. What makes me really happy is reading all your wonderful posts about how this BLOG is inspiring you. This happiness makes me feel really good for a long time, much much more than what a Rolex would do for me.

I think the point I want to put across is that happiness must come from doing your life's work (be in teaching, building homes, designing, trading, winning tournaments etc.) and the money that comes is only a by-product. If you hate what you are doing and rely on the money you earn to make you happy by buying stuff, then I think that you are living a meaningless life.

Conversation -- Science & God

An atheist professor of philosophy speaks to his class on the problem science has with God, The Almighty.
He asks one of his new students to stand and.....

Prof:
So you believe in God?

Student:
Absolutely, sir.

Prof:
Is God good?

Student:
Sure.

Prof:
Is God all-powerful?

Student:
Yes..

Prof:
My brother died of cancer even though he prayed to God to heal him.
Most of us would attempt to help others who are ill.
But God didn't. How is this God good then? Hmm?
(Student is silent.)

Prof:
You can't answer, can you?
Let's start again, young fella.
Is God good?

Student:
Yes.

Prof:
Is Satan good?

Student:
No.

Prof:
Where does Satan come from?

Student:
From....God. ..

Prof:
That's right..
Tell me son, is there evil in this world?

Student:
Yes.

Prof:
Evil is everywhere, isn't it?
And God did make everything, Correct?

Student:
Yes.

Prof:
So who created evil?
(Student does not answer.)

Prof:
Is there sickness? Immorality? Hatred? Ugliness?
All these terrible things exist in the world, don't they?

Student:
Yes, sir.

Prof:
So, who created them?
(Student has no answer.)

Prof:
Science says you have 5 senses you use to identify and observe the world around you.
Tell me, son...Have you ever seen God?

Student:
No, sir.

Prof:
Tell us if you have ever heard your God?

Student:
No, sir.

Prof:
Have you ever felt your God, tasted your God, smelt your God?
Have you ever had any sensory perception of God for that matter?

Student:
No, sir. I'm afraid I haven't.

Prof:
Yet you still believe in Him?

Student:
Yes.

Prof:
According to empirical, testable, demonstrable protocol, science says your 'GOD' doesn't exist.
What do you say to that, son?

Student:
Nothing. I only have my faith.

Prof:
Yes, Faith. And that is the problem science has.

Student:
Professor, is there such a thing as heat?

Prof:
Yes.

Student:
And is there such a thing as cold?

Prof:
Yes.

Student:
No sir. There isn't.
(The lecture theatre becomes very quiet with this turn of events.)

Student:
Sir, you can have lots of heat, even more heat, superheat, mega heat, white heat, a little heat or no heat..
But we don't have anything called cold.
We can hit 458 degrees below zero which is no heat, but we can't
go any further after that.
There is no such thing as cold.
Cold is only a word we use to describe the absence of heat.
We cannot measure cold.
Heat is energy.
Cold is not the opposite of heat, sir, just the absence of it .
(There is pin-drop silence in the lecture theatre.)

Student:
What about darkness, Professor?
Is there such a thing as darkness?

Prof:
Yes. What is night if there isn't darkness?

Student :
You're wrong again, sir.
Darkness is the absence of something.
You can have low light, normal light, bright light, flashing light....
But if you have no light constantly, you have nothing and it's called darkness, isn't it? In reality, darkness isn't.
If it were you would be able to make darkness darker, wouldn't you?

Prof:
So what is the point you are making, young man?

Student:
Sir, my point is your philosophical premise is flawed.

Prof:
Flawed? Can you explain how?

Student:
Sir, you are working on the premise of duality.
You argue there is life and then there is death, a good God and a bad God.
You are viewing the concept of God as something finite, something we can measure.
Sir, science can't even explain a thought..
It uses electricity and magnetism, but has never seen, much less fully understood either one.
To view death as the opposite of life is to be ignorant of the fact that death cannot exist as a substantive thing.
Death is not the opposite of life: just the absence of it.
Now tell me, Professor.
Do you teach your students that they evolved from a monkey?

Prof:
If you are referring to the natural evolutionary process, yes, of course, I do..

Student:
Have you ever observed evolution with your own eyes, sir?
(The Professor shakes his head with a smile, beginning to realize where the argument is going.)

Student:
Since no one has ever observed the process of evolution at work and cannot even prove that this process is an on-going endeavor, are you not teaching your opinion, sir? Are you not a scientist but a preacher? (The class is in uproar.)

Student:
Is there anyone in the class who has ever seen the Professor's brain?
(The class breaks out into laughter.)

Student:
Is there anyone here who has ever heard the Professor's brain, felt it, touched or smelt it?
No one appears to have done so.
So, according to the established rules of empirical, testable, demonstrable protocol, science says that you have no brain, sir.
With all due respect, sir, how do we then trust your lectures, sir?
(The room is silent. The professor stares at the student, his face unfathomable. )

Prof:
I guess you'll have to take them on faith, son.

Student:
That is it sir... The link between man & god is FAITH.
That is all that keeps things moving & alive.
____________ _________ _________ _________ _________ _________ ___

I believe you have enjoyed the conversation. ..and if so...you'll probably want your friends/colleagues to enjoy the same...won't you?....
this is a true story, and the student was none other than........ . ..
... APJ Abdul Kalam, the former president of India

Nanubhai's views on the Lehman crisis.......

Happened to run in to Nanubhai on Dalal Street . He was eating Khaman Dhokla at a farsan shop. ‘Kame cho, Nanubhai?' 'Saru che.' He was looking glum but gestured me to join him. Nanubhai is a well-respected Dalal Street dada with an answer to everyshareholder's query. ‘What went wrong with Lehman Brothers?' I asked. 'Lots of things. If the founder brothers, Henry, Emanuel and Mayer were alive this wouldn't have happened. Lehman Brothers were more than a 150-year-old company. But yet, it had no Lehman in the company. Such a situation can never happen in India .' ‘Are you trying to tell me an Indian would have handled this differently?' ‘Bilkul. If it was an Indian firm, Lehman Brothers would have fought as soon as their father died and divided in to three companies. They would have diversified into clothing, polystyrene, petrochemicals, vegetables, movie making, telecom, drilling oil, mobile phones, retailing, books, spectacles, gyms, wellness. In short, anything and everything under the sun. They would have made money for themselves and their shareholders.' 'But when there is massive failure there would be no option but to file for bankruptcy?' 'Fail-wail chance hi nahin! Even if they encounter tough times, they would have friends like Mulayam Singh and Amar Singh to bail them out. They could finish off competition by befriending the finance minister and getting duties levied on the imports of competition. They would fund and befriend ruling parties. Unfortunately for Lehman Brothers in 2008, without a Lehman on the board or some Indian business brothers at the top, they couldn't open the survival kit to stay afloat.' As we were sipping double kadak chai, I asked: 'Did anybody anticipate this global meltdown?' 'Anticipate? Mazak chodo! I will tell you something. America has some 45 Nobel laureates in economics from 1970. From 2000 alone there are 15 Nobel laureates in econometrics sitting on company boards, treasury benches and in places like Harvard, Stanford etc. Kisiko kuch patha nahin tha! How come none of these had any inkling to the disaster awaiting the banking circles all over the world? Even the finance ministers of G-7 talked of strong 'fundamentals' of world economy around this time last year! Two months back the only topic they were discussing was the rise in oil prices.' 'What will happen if it goes all on like this?' ‘Some American economist will study this, write a new a theory and get Nobel Prize next year, dekhna. Seriously, they forgot things like control, double check, systems-in-place etc and brought in vague words like Subprimes to give loans left, right and centre.' 'What will happen to the Indian market?' 'It's already having the Lehman Brothers' effect. Our finance minister seems to like the figure 60,000. While presenting the budget earlier in the year he pledged Rs 60,000 crore to write off loans given to farmers. Now he is pumping Rs 60,000 crore to help out the banks! I don't know what he will do next. He is again from Harvard!' 'What is the lesson to be learnt from the Lehman Brothers' episode?' I asked as we were leaving. Nanubhai took a spoonful of saunf and said: 'You know, we have an old elementary rule for keeping hisab-kithab. Divide a page into 'Left' and 'Right' with a line in the middle to denote Debit and Credit. In case of Lehman Brothers, nothing was right in the 'Left' and nothing was left in the 'Right'.

I Believe...

I Believe...

That just because two people argue,

it doesn't mean they don't love each other.

And just because they don't argue,

it doesn't mean they do love each other.

I Believe...

That we don't have to change friends if

we understand that friends change.

I Believe..

That no matter how good a friend is, they're going to hurt you every

once in a while and you must forgive them for that.

I Believe...

That true friendship continues to grow, even over

the longest distance. Same goes for true love.

I Believe..

That you can do something in an instant

that will give you heartache for life.

I Believe...

That it's taking me a long time

to become the person I want to be.

I Believe...

That you should always leave loved ones with

loving words. It may be the last time you see them.

I Believe...

That you can keep going long after you think you can't.

I Believe...

That we are responsible for what

we do, no matter how we feel.

I Believe...

That either you control your attitude or it controls you.

I Believe...

That money is a lousy way of keeping score.

I Believe...

That my best friend and I, can do anything, or nothing and have the best time.

I Believe...

That sometimes the people you expect to kick you

when you're down, will be the ones to help you get back up.

I Believe...

That maturity has more to do with what types of experiences you've had

and what you've learned from them and less to do with how many

birthdays you've celebrated.

I Believe..

That it isn't always enough, to be forgiven by others.

sometimes, you have to learn to forgive yourself.

I Believe...

That no matter how bad your heart is broken the world doesn't stop for

your grief.

I Believe...

That our background and circumstances may have influenced who we are,

but, we are responsible for who we become.

I Believe...

Two people can look at the exact same

thing and see something totally different.

I Believe...

That your life can be changed in a matter of

hours by people who don't even know you.

I Believe...

That even when you think you have no more to give, when a friend cries

out to you - you will find the strength to help.

I Believe...

That credentials on the wall do not make you a decent human being.

I Believe...

That you should send this to all of the people that you believe in, I just did.

'The happiest of people don't necessarily have the best of everything;

they just make the most of everything.'

Lehman's Crisis-Learning for all

Hi; This is really a good article to read...It's interesting article by Yogesh Chhabria.

LATELY, I have been thinking a lot about the Lehman crisis . Spending money that they didn't have and going beyond their means is one of the main reasons for their situation today. In fact that is the cause for the current economic crisis in the US. When I see all this happening, I can only remember the good old days. Then, karz was bad. People looked down upon those who took loans. Parents would not give their daughter's hand in marriage to a man with loans. But of course, the times have changed now. Everyone I know has a loan. The buzz word is EMI (equated monthly installment). Today, you can buy everything on EMI - a house, a television, an i-Pod. In fact I know of someone who just bought a fancy BMW 3 series on EMI, instead of buying a cheaper car outright with cash. I mostly prefer to take public transport, but then I am an old man with old thoughts! Anyway, coming back to what caused the crisis. Imagine having Rs 2 lakh in your bank account, no regular income, yet buying a house worth Rs 65 lakh, in the hope of selling it for a higher price. Even if the price of the house fell by just 5 per cent (that is Rs 3 lakh), you will go bankrupt. This is what Lehman Brothers did; with around USD 20 billion they went and bought assets worth over USD 600 billion. Isn't it suicidal and simply foolish? I am sure things would have been different, had I been the head of Lehman brothers. But who wants an old conservative man like me to head a complex financial institution. But there are a few lessons that we can learn:

1.Live a balanced life and avoid overspending.

2.Don't buy things we don't need.

3.Don't buy Branded good’s.

4.Don't buy excess Food, Cloths, Cosmetics, Footwear, electronics and Fashion accuracies just think before you buy. Tip: World still has a lot of growth ahead and the future holds immense opportunities for us. Let us make the most of it and save and invest it wisely instead of wasting our precious little on things we don't need.

5.Try to balance life with work (No one is happy to work in there profession's).

6. Don't stress out your self, after work try to do some extra activities like swimming, yoga, walking, running where you can divert your mind from stress. A thumb rule: Health is more important than money.

7.Try to understand each other (Wife and Husband) in financial matters and help each other. Tip: As soon as you get your monthly salary, set aside a fixed amount, usually 35 per cent, for insurance, savings and investments. You can then spend the rest.

8. Not all loans are bad. Loans that are 'need based' (home loans, education loans) can always find a place in your finances against those that are largely 'want based' (Credit cards, personal loans, car loans).

9. Borrow only if repayment is financially comfortable. A thumb rule: Keep EMIs within 35 to 45 per cent of your monthly income In that respect, there is one American who I really respect - Warren Buffet. He has lived in the same ordinary house for over three decades, drives his own medium sized car and leads an extremely regular 'middle class' life.

If that's all it takes for the richest person on earth to be happy, why do all of us need to take extra stress just so that we can get things which aren't even essential? " A strong PASSION for any object will ensure success, for the desire of the end will point out the means. "

What goes around ...comes around

One day a man saw an old lady, stranded on the side of the road, but even in the dim light of day, he could see she needed help. So he pulled up in front of her Mercedes and got out. His Pontiac was still sputtering when he approached her. Even with the smile on his face, she was worried. No one had stopped to help for the last hour or so. Was he going to hurt her? He didn't look safe; he looked poor and hungry. He could see that she was frightened, standing out there in the cold. He knew how she felt. It was that chill which only fear can put in you. He said, 'I'm here to help you, ma'am. Why don't you wait in the car where it's warm? By the way, my name is Bryan Anderson.' Well, all she had was a flat tire, but for an old lady, that was bad enough. Bryan crawled under the car looking for a place to put the jack, skinning his knuckles a time or two. Soon he was able to change the tire. But he had to get dirty and his hands hurt. As he was tightening up the lug nuts, she rolled down the window and began to talk to him. She told him that she was from St. Louis and was only just passing through. She couldn't thank him enough for coming to her aid. Bryan just smiled as he closed her trunk. The lady asked how much she owed him. Any amount would have been all right with her. She already imagined all the awful things that could have happened had he not stopped. Bryan never thought twice about being paid. This was not a job to him. This was helping someone in need, and God knows there were plenty, who had given him a hand in the past. He had lived his whole life that way, and it never occurred to him to act any other way. He told her that if she really wanted to pay him back, the next time she saw someone who needed help, she could give that person the assistance they needed, and Bryan added, 'And think of me.' He waited until she started her car and drove off. It had been a cold and depressing day, but he felt good as he headed for home, disappearing into the twilight. A few miles down the road the lady saw a small cafe. She went in to grab a bite to eat, and take the chill off before she made the last leg of her trip home. It was a dingy looking restaurant. Outside were two old gas pumps. The whole scene was unfamiliar to her. The waitress came over and brought a clean towel to wipe her wet hair. She had a sweet smile, one that even being on her feet for the whole day couldn't erase. The lady noticed the waitress was nearly eight months pregnant, but she never let the strain and aches change her attitude. The old lady wondered how someone who had so little could be so giving to a stranger. Then she remembered Bryan. After the lady finished her meal, she paid with a hundred dollar bill. The waitress quickly went to get change for her hundred dollar bill, but the old lady had slipped right out the door. She was gone by the time the waitress came back. The waitress wondered where the lady could be. Then she noticed something written on the napkin. There were tears in her eyes when she read what the lady wrote: 'You don't owe me anything. I have been there too. Somebody once helped me out, the way I'm helping you. If you really want to pay me back, here is what you do: Do not let this chain of love end with you.' Under the napkin were four more $100 bills. Well, there were tables to clear, sugar bowls to fill, and people to serve, but the waitress made it through another day. That night when she got home from work and climbed into bed, she was thinking about the money and what the lady had written. How could the lady have known how much she and her husband needed it? With the baby due next month, it was going to be hard.... She knew how worried her husband was, and as he lay sleeping next to her, she gave him a soft kiss and whispered soft and low, 'Everything' s going to be all right. I love you, Bryan Anderson.' There is an old saying 'What goes around comes around.' Today I sent you this story and I'm asking you to pass it on. Let this light shine. Don't delete it, don't return it. Simply, pass this on to a friend Good friends are like stars....You don't always see them, but you know they are always there. ~GOD BLESS!~

WHY GO TO THE TEMPLE ..!!

If you're spiritually alive, you're going to love this!
If you're spiritually dead, you won't want to read it.
If you're spiritually curious, there is still hope!

Why Go To The Temple ?
A 'devotee' goer wrote a letter to the editor of a newspaper and
complained that it made no sense to go to the Temple ..
'I've gone for 30 years now, he wrote, and in that time I have heard
something like 3,000 mantras.
But for the life of me, I can't remember a single one of them. So, I
think I'm wasting my time and the Gurus are wasting theirs by giving
services at all.
This started a real controversy in the 'Letters to the Editor' column,
much to the delight of the editor. It went on for weeks until someone
wrote this clincher: I've been married for 30 years now. In that time my
wife has cooked some 32,000 meals. But, for the life of me, I cannot
recall the entire menu for a single one of those meals. But I do know
this.. They all nourished me and gave me the strength I needed to do my
work. If my wife had not given me these meals, I would be physically
dead today. Likewise, if I had not gone to the Temple for nourishment, I
would be spiritually dead today!

When you are DOWN to nothing.... God is UP to something! Faith sees the
invisible, believes the incredible and receives the impossible!
Thank God for our physical AND our spiritual nourishment!

Bankruptcy Defined .....

Once there was a little island country. The land of this country was the tiny island itself. The total money in circulation was 2 dollars

as there were only two pieces of 1 dollar coins circulating around.

1) There were 3 citizens living on this island country. A owned the land. B and C each owned 1 dollar.

2) B decided to purchase the land from A for 1 dollar. So, now A and C own 1 dollar each while B owned a piece of land that is worth 1 dollar.

* The net asset of the country now = 3 dollars.

3) Now C thought that since there is only one piece of land in the country, and land is non producible asset, its value must definitely go up. So, he borrowed 1 dollar from A, and together with his own 1 dollar, he bought the land from B for 2 dollars.

*A has a loan to C of 1 dollar, so his net asset is 1 dollar.
* B sold his land and got 2 dollars, so his net asset is 2 dollars.
* C owned the piece of land worth 2 dollars but with his 1 dollar debt to A, his net residual asset is 1 dollar.
* Thus, the net asset of the country = 4 dollars.

4) A saw that the land he once owned has risen in value. He regretted having sold it. Luckily, he has a 1 dollar loan to C. He then borrowed 2 dollars from B and acquired the land back from C for 3 dollars. The payment is by 2 dollars cash (which he borrowed) and cancellation of the 1 dollar loan to C. As a result, A now owned a piece of land that is worth 3 dollars. But since he owed B 2 dollars, his net asset is 1 dollar.

* B loaned 2 dollars to A. So his net asset is 2 dollars.
* C now has the 2 coins. His net asset is also 2 dollars.
* The net asset of the country = 5 dollars. A bubble is building up.

(5) B saw that the value of land kept rising. He also wanted to own the land. So he bought the land from A for 4 dollars. The payment is by borrowing 2 dollars from C, and cancellation of his 2 dollars loan to A.

* As a result, A has got his debt cleared and he got the 2 coins. His net asset is 2 dollars.
* B owned a piece of land that is worth 4 dollars, but since he has a debt of 2 dollars with C, his net Asset is 2 dollars.
* C loaned 2 dollars to B, so his net asset is 2 dollars.

* The net asset of the country = 6 dollars; even though, the country has only one piece of land and 2 Dollars in circulation.

(6) Everybody has made money and everybody felt happy and prosperous.

(7) One day an evil wind blew, and an evil thought came to C's mind. "Hey, what if the land price stop going up, how could B repay my loan. There is only 2 dollars in circulation, and, I think after all the land that B owns is worth at most only 1 dollar, and no more."

(8) A also thought the same way.

(9) Nobody wanted to buy land anymore.

* So, in the end, A owns the 2 dollar coins, his net asset is 2 dollars.
* B owed C 2 dollars and the land he owned which he thought worth 4 dollars is now 1 dollar. So his net asset is only 1 dollar.
* C has a loan of 2 dollars to B. But it is a bad debt. Although his net asset is still 2 dollars, his Heart is palpitating.
* The net asset of the country = 3 dollars again.

(10) So, who has stolen the 3 dollars from the country? Of course, before the bubble burst B thought his land was worth 4 dollars. Actually, right before the collapse, the net asset of the country was 6 dollars on paper. B's net asset is still 2 dollars, his heart is palpitating.

(11) B had no choice but to declare bankruptcy. C as to relinquish his 2 dollars bad debt to B, but in return he acquired the land which is worth 1 dollar now.

* A owns the 2 coins; his net asset is 2 dollars.
* B is bankrupt; his net asset is 0 dollar. (He lost everything)
* C got no choice but end up with a land worth only 1 dollar

* the net asset of the country = 3 dollars.

************ **End of the story; BUT ************ ********* ******

There is however a redistribution of wealth.
A is the winner, B is the loser, C is lucky that he is spared.
A few points worth noting -

(1) when a bubble is building up, the debt of individuals to one another in a country is also building up.
(2) This story of the island is a closed system whereby there is no other country and hence no foreign debt. The worth of the asset can only be calculated using the island's own currency. Hence, there is no net loss.
(3) An over-damped system is assumed when the bubble burst, meaning the land's value did not go down to below 1 dollar.
(4) When the bubble burst, the fellow with cash is the winner. The fellows having the land or extending loan to others are the losers. The asset could shrink or in worst case, they go bankrupt.
(5) If there is another citizen D either holding a dollar or another piece of land but refrains from taking part in the game, he will neither win nor lose. But he will see the value of his money or land goes up and down like a see saw.
(6) When the bubble was in the growing phase, everybody made money.
(7) If you are smart and know that you are living in a growing bubble, it is worthwhile to borrow money (like A) and take part in the game. But you must know when you should change everything back to cash.
(8) As in the case of land, the above phenomenon applies to stocks as well.
(9) The actual worth of land or stocks depends largely on psychology (or speculation)

---

Unexplored continent on earth

George Bernard Shaw said, "People are always blaming their circumstances for what they are. I don't believe in circumstances. The people who get on in this world are the people who get up and look for the circumstances they want, and if they can't find them, they make them."

Well, it's pretty apparent, isn't it? And every person who discovered this believed (for a while) that he was the first one to work it out. We become what we think about.

Conversely, the person who has no goal, who doesn't know where he's going, and whose thoughts must therefore be thoughts of confusion, anxiety and worry - his life becomes one of frustration, fear, anxiety and worry. And if he thinks about nothing... he becomes nothing.

How does it work? Why do we become what we think about? Well, I'll tell you how it works, as far as we know. To do this, I want to tell you about a situation that parallels the human mind.

Suppose a farmer has some land, and it's good, fertile land. The land gives the farmer a choice; he may plant in that land whatever he chooses. The land doesn't care. It's up to the farmer to make the decision.

We're comparing the human mind with the land because the mind, like the land, doesn't care what you plant in it. It will return what you plant, but it doesn't care what you plant.

Now, let's say that the farmer has two seeds in his hand- one is a seed of corn, the other is nightshade, a deadly poison. He digs two little holes in the earth and he plants both seeds-one corn, the other nightshade. He covers up the holes, waters and takes care of the land...and what will happen?

Invariably, the land will return what was planted.

As it's written in the Bible, "As ye sow, so shall ye reap."
Remember the land doesn't care. It will return poison in just as wonderful abundance as it will corn. So up come the two plants - one corn, one poison.

The human mind is far more fertile, far more incredible and mysterious than the land, but it works the same way. It doesn't care what we plant...success...or failure. A concrete, worthwhile goal...or confusion, misunderstanding, fear, anxiety and so on. But what we plant it must return to us.
You see, the human mind is the last great unexplored continent on earth. It contains riches beyond our wildest dreams. It will return anything we want to plant.

10 Golden Rules for Mental Mastery:

[ Extracted from :- MegaLiving – Robin Sharma ]

1. The level of your success is determined by what you think every second of every minute of every day. Your thoughts shape your world - mental mastery is the DNA of life mastery. Today’s thoughts will serve to build your dreams of tomorrow.

2. Your outer world reflects your inner world. If you want to change your life, you must start by changing the thoughts you put into your mind. Success on the outside begins with success on the inside.

3. You alone are responsible for what you think. Most importantly, you can change the way you think and remove any negative thinking habits by the daily practice of mental discipline and conditioning. Thinking patterns are habits and, like all habits, they can be changed when you strongly desire to change them and take concrete action towards your goal.

4. A supersuccessful mindset does not happen in a day. You have to work hard on it just like any other worthy pursuit in life. But with 30 days of daily, concentrated practice, you will note astonishing changes in the way you think, feel and act.

5. One of the great keys to a better life is to change your self-image. Our self-image is determined by the mental pictures we constantly run through our minds. Our minds work through pictures and when we change the pictures to show what we really want in our lives and what we really can achieve, our self-image will also improve dramatically. This leads to greater confidence and belief in our personal abilities and power. Goals are then easily achieved and the ordinary becomes the extraordinary.

6. Anything you faithfully and honestly believe you can achieve, you will achieve if you take persistent action in that direction. Constantly keep your dreams at the front of your mind. Repeat them all day, every day. Never, let go of them. When you concentrate all your mental and physical energy on a single purpose, dormant forces that you never knew you had are sparked into action. This is the secret of genius: finding what you MegaLiving! 30 Days to a Perfect Life love to do and then spending all your time doing it. As one wise person has said: “once you find what you truly love doing, you will never have to work another day in your life.” People with far less than you have achieved great feats.

7. The Law of Attraction is the dominant law of the mind. What you think about and believe is what you attract into your life. People who are happy and motivated attract such people into their world. People with a positive expectation of super success will attract opportunities to allow them to arrive at this destination.

8. Your subconscious mind plays a particularly great role in the outcome of your life. You must learn how to use it for maximum achievement. Again, mental pictures and verbalization play a big role in stimulating your subconscious mind.

9. Your mind has the capacity to hold only one thought in its focus at any one time. Using this knowledge, you must ensure that each thought is a valuable and positive one. If a negative, disempowering thought does enter, quickly replace it with a good one. As you develop the habit of thinking useful, energizing thoughts, weak ones will no longer hold any power.

10. There is a Success Mechanism inside your mind which craves positive stimulation. It awaits your instructions. When you realize this and start setting great goals for yourself it will spring to life and seize all opportunities get you to where you want to go.

The Next CEO -- The CEO & The Seed

A successful businessman was growing old and knew it was time to choose a successor to take over the business. Instead of choosing one of his directors or his children, he decided to do something different. He called all the young executives in his company together. "It is time for me to step down and choose the next CEO," he said. "I have decided to choose one of you." The young executives were shocked, but the boss continued. "I am going to give each one of you a seed today - a very special seed. I want you to plant the seed, water it, and come back here one year from today with what you have grown from the seed I have given you. I will then judge the plants that you bring, and the one I choose will be the next CEO."
One man, named Jim, was there that day and he, like the others, received a seed. He went home and excitedly, told his wife the story. She helped him get a pot, soil and compost and he planted the seed. Every day, he would water it and watch to see if it had grown. After about three weeks, some of the other executives began to talk about their seeds and the plants that were beginning to grow. Jim kept checking his seed, but nothing ever grew. Three weeks, four weeks, five weeks went by, still nothing. By now, others were talking about their plants, but Jim didn't have a plant and he felt like a failure. Six months went by - still nothing in Jim's pot. He just knew he had killed his seed. Everyone else had trees and tall plants, but he had nothing. Jim didn't say
anything to his colleagues, however. He just kept watering and fertilizing the soil - he so wanted the seed to grow. A year finally went by and all the young executives of the company brought their plants to the CEO for inspection. Jim told his wife that e wasn't going to take an empty pot. But she asked him to be honest about what happened. Jim felt sick at his stomach. It was going to be the most embarrassing moment of his life, but he knew his wife was right. He took his empty pot to the boardroom. When Jim arrived, he was amazed at the variety of plants grown by the other executives. They were beautiful --in all shapes and sizes. Jim put his empty pot
on the floor and many of his colleagues laughed. A few felt sorry for him!
When the CEO arrived, he surveyed the room and greeted his young executives. Jim just tried to hide in the back. "My, what great plants, trees, and flowers you have grown," said the CEO. "Today one of you will be appointed the next CEO!"
All of a sudden, the CEO spotted Jim at the back of the room with his empty pot. He ordered the financial director to bring him to the front. Jim was terrified. He thought, "The CEO knows I'm a failure! Maybe he will have me fired!" When Jim got to the front, the CEO asked him what had happened to him. Jim told him the story. The CEO asked everyone to sit down except Jim. He looked at Jim, and then announced to the young executives, "Here is your next Chief Executive!
His name is Jim!"
Jim couldn't believe it. Jim couldn't even grow his seed. How could he be the new CEO the others said? Then the CEO said, "One year ago today, I gave everyone in this room a seed. I told you to take the seed, plant it, water it, and bring it back to Me today. But I gave you all boiled seeds; they were dead - it was not possible for them to grow. All of you, except Jim, have brought me trees and plants and flowers.” When you found that the seed would not grow, you substituted another seed for the one I gave you. Jim was the only one with the courage and honesty to bring me a pot with my seed in it. Therefore, he is the one who will be the new Chief Executive!"
___________________________________________________________________
If you plant honesty, you will reap trust
If you plant goodness, you will reap friends.
If you plant humility, you will reap greatness.
If you plant perseverance, you will reap contentment
If you plant consideration, you will reap perspective.
If you plant hard work, you will reap success.
If you plant forgiveness, you will reap reconciliation.
So, be careful what you plant now; it will determine what you will reap later.

EIGHT LIES OF A MOTHER

~EIGHT LIES OF A MOTHER~

1.The story began when I was a child;
I was born as a son of a poor family.
Even for eating, we often got lack of food.
Whenever the time for eating, mother often gave me her portion of rice.
While she was removing her rice into my bowl,
she would say "Eat this rice, son. I'm not hungry".
That was Mother's First Lie

2.When I was getting to grow up,
the persevering mother gave her spare time for fishing in a river near our house,
she hoped that from the fishes she got,
she could gave me a little bit nutritious food for my growth.
After fishing, she would cook the fishes to be a fresh fish soup,
which raised my appetite. While I was eating the soup,
mother would sit beside me and eat the rest meat of fish,
which was still on the bone of the fish I ate.
My heart was touched when I saw it.
I then used my chopstick and gave the other fish to her.
But she immediately refused it and said "Eat this fish, son.
I don't really like fish."
That was Mother's Second Lie.

3.Then, when I was in Junior High School,
to fund my study,
mother went to an economic enterprise to bring some used-matches boxes that would be stuck in.
It gave her some money for covering our needs.
As the winter came,
I woke up from my sleep and looked at my mother who was still awoke,
supported by a little candlelight and within her perseverance she continued
the work of sticking some used-matches box.
I said, "Mother, go to sleep, it's late,
tomorrow morning you still have to go for work.
" Mother smiled and said "Go to sleep,
dear. I'm not tired."
That was Mother's Third Lie.

4.At the time of final term,
mother asked for a leave from her work in order to accompany me.
While the daytime was coming and the heat of the sun was starting to shine,
the strong and persevering mother
waited for me under the heat of the sun's shine for several hours.
As the bell rang, which indicated that the final exam had finished,
mother immediately welcomed me and poured me a glass of tea
that she had prepared before in a cold bottle.
The very thick tea was not as thick as my mother's love,
which was much thicker. Seeing my mother covering with perspiration,
I at once gave her my glass and asked her to drink too.
Mother said "Drink, son. I'm not thirsty!".
That was Mother's Fourth Lie.

5.After the death of my father because of illness,
my poor mother had to play her role as a single parent.
By held on her former job, she had to fund our needs alone.
Our family's life was more complicated. No days without sufferance.
Seeing our family's condition that was getting worse,
there was a nice uncle who lived near my house came to help us,
either in a big problem and a small problem.
Our other neighbors who lived next to us saw that our family's life was so unfortunate,
they often advised my mother to marry again. But mother,
who was stubborn, didn't care to their advice,
she said "I don't need love."
That was Mother's Fifth Lie.

6.After I had finished my study and then got a job,
it was the time for my old mother to retire.
But she didn't want to; she was sincere to go to the marketplace every morning,
just to sell some vegetable for fulfilling her needs.
I, who worked in the other city, often sent her some money to help her in fulfilling her needs,
but she was stubborn for not accepting the money.
She even sent the money back to me.
She said "I have enough money."
That was Mother's Sixth Lie.

7.After graduated from Bachelor Degree,
I then continued my study to Master Degree.
I took the degree, which was funded by a company through a scholarship program,
from a famous University in America .
I finally worked in the company. Within a quite high salary,
I intended to take my mother to enjoy her life in America .
But my lovely mother didn't want to bother her son,
she said to me "I'm not used to."
That was Mother's Seventh Lie.

8.After entering her old age,
mother got a flank cancer and had to be hospitalized.
I, who lived in miles away and across the ocean,
directly went home to visit my dearest mother.
She lied down in weakness on her bed after having an operation.
Mother, who looked so old, was staring at me in deep yearn.
She tried to spread her smile on her face;
even it looked so stiff because of the disease she held out.
It was clear enough to see how the disease broke my mother's body,
thus she looked so weak and thin.
I stared at my mother within tears flowing on my face.
My heart was hurt, so hurt, seeing my mother on that condition.
But mother, with her strength, said "Don't cry, my dear.
I'm not in pain."
That was Mother's Eight Lie.

After saying her eighth lie, She closed her eyes forever!

Outstanding real life story (conversation between a IT guy and a soldire)

A real story ...A gossip between a Solider and Software Enggr in Shatabdi Train .........An interesting and a must readl!

Vivek Pradhan was not a happy man. Even the plush comfort of the air-conditioned compartment of the Shatabdi express could not cool his frayed nerves. He was the Project Manager and still not entitled to air travel. It was not the prestige he sought, he had tried to reason with the admin person, it was the savings in time. As PM, he had so many things to do!!

He opened his case and took out the laptop, determined to put the time to some good use.

"Are you from the software industry sir," the man beside him was staring appreciatively at the laptop. Vivek glanced briefly and mumbled in affirmation, handling the laptop now with exaggerated care and importance as if it were an expensive car.

"You people have brought so much advancement to the country, Sir. Today everything is getting computerized."

"Thanks," smiled Vivek, turning around to give the man a look. He always found it difficult to resist appreciation. The man was young and stockily built like a sportsman. He looked simple and strangely out of place in that little lap of luxury like a small town boy in a prep school. He probably was a railway sportsman making the most of his free traveling pass.

"You people always amaze me," the man continued, "You sit in an office and write something on a computer and it does so many big things outside."

Vivek smiled deprecatingly. Naiveness demanded reasoning not anger. "It is not as simple as that my friend. It is not just a question of writing a few lines. There is a lot of process that goes behind it."

For a moment, he was tempted to explain the entire Software Development Lifecycle but restrained himself to a single statement. "It is complex, very complex."

"It has to be. No wonder you people are so highly paid," came the reply.

This was not turning out as Vivek had thought. A hint of belligerence crept into his so far affable, persuasive tone. "

Everyone just sees the money. No one sees the amount of hard work we have to put in. Indians have such a narrow concept of hard work. Just because we sit in an air-conditioned office, does not mean our brows do not sweat. You exercise the muscle; we exercise the mind and believe me that is no less taxing."

He could see, he had the man where he wanted, and it was time to drive home the point.

"Let me give you an example. Take this train. The entire railway reservation system is computerized. You can book a train ticket between any two stations from any of the hundreds of computerized booking centres across the country.

Thousands of transactions accessing a single database, at a time concurrently; data integrity, locking, data security. Do you understand the complexity in designing and coding such a system?"

The man was awestuck; quite like a child at a planetarium. This was something big and beyond his imagination.

"You design and code such things."

"I used to," Vivek paused for effect, "but now I am the Project Manager."

"Oh!" sighed the man, as if the storm had passed over,

"so your life is easy now."

This was like the last straw for Vivek. He retorted, "Oh come on, does life ever get easy as you go up the ladder. Responsibility only brings more work.

Design and coding! That is the easier part. Now I do not do it, but I am responsible for it and believe me, that is far more stressful. My job is to get the work done in time and with the highest quality.

To tell you about the pressures, there is the customer at one end, always changing his requirements, the user at the other, wanting something else, and your boss, always expecting you to have finished it yesterday."

Vivek paused in his diatribe, his belligerence fading with self-realisation. What he had said, was not merely the outburst of a wronged man, it was the truth. And one need not get angry while defending the truth.

"My friend," he concluded triumphantly, "you don't know what it is to be in the Line of Fire".

The man sat back in his chair, his eyes closed as if in realization. When he spoke after sometime, it was with a calm certainty that surprised Vivek.

"I know sir,..... I know what it is to be in the Line of Fire......."
He was staring blankly, as if no passenger, no train existed, just a vast expanse of time.

"There were 30 of us when we were ordered to capture Point 4875 in the cover of the night.

The enemy was firing from the top.

There was no knowing where the next bullet was going to come from and for whom.

In the morning when we finally hoisted the tricolour at the top only 4 of us were alive."

"You are a...?"

"I am Subedar Sushant from the 13 J&K Rifles on duty at Peak 4875 in Kargil. They tell me I have completed my term and can opt for a soft assignment.

But, tell me sir, can one give up duty just because it makes life easier.

On the dawn of that capture, one of my colleagues lay injured in the snow, open to enemy fire while we were hiding behind a bunker.

It was my job to go and fetch that soldier to safety. But my captain sahib refused me permission and went ahead himself.

He said that the first pledge he had taken as a Gentleman Cadet was to put the safety and welfare of the nation foremost followed by the safety and welfare of the men he commanded... ....his own personal safety came last, always and every time."

"He was killed as he shielded and brought that injured soldier into the bunker. Every morning thereafter, as we stood guard, I could see him taking all those bullets, which were actually meant for me . I know sir....I know, what it is to be in the Line of Fire."

Vivek looked at him in disbelief not sure of how to respond. Abruptly, he switched off the laptop.

It seemed trivial, even insulting to edit a Word document in the presence of a man for whom valour and duty was a daily part of life; valour and sense of duty which he had so far attributed only to epical heroes.

The train slowed down as it pulled into the station, and Subedar Sushant picked up his bags to alight.

"It was nice meeting you sir."

Vivek fumbled with the handshake.

This hand... had climbed mountains, pressed the trigger, and hoisted the tricolour. Suddenly, as if by impulse, he stood up at attention and his right hand went up in an impromptu salute.

It was the least he felt he could do for the country.

PS: The incident he narrated during the capture of Peak 4875 is a true-life incident during the Kargil war. Capt. Batra sacrificed his life while trying to save one of the men he commanded, as victory was within sight. For this and various other acts of bravery, he was awarded the Param Vir Chakra, the nation's highest military award.

Live humbly, there are great people around us, let us learn!

Best letter written from a father to teacher

[This letter was written by Abrahm Lincoln to the teacher of his son]

He will have to learn,
I know, that all men are not just,
all men are not true.
But teach him also that for every scoundrel there is a hero;
that for every selfish Politician, there is a dedicated leader...
Teach him for every enemy there is a friend,
Steer him away from envy,
if you can, teach him the secret of quiet laughter.
Let him learn early that the bullies are the easiest to lick...
Teach him, if you can, the wonder of books...
But also give him quiet time to ponder
the eternal mystery of birds in the sky, bees in the sun,
and the flowers on a green hillside.
In the school teach him it is far honourable to fail than to cheat...
Teach him to have faith in his own ideas, even if everyone tells him they are wrong... Teach him to be gentle with gentle people, and tough with the tough.
Try to give my son the strength not to follow the crowd
when everyone is getting on the band wagon...
Teach him to listen to all men...
but teach him also to filter all he hears on a screen of truth,
and take only the good that comes through.
Teach him if you can, how to laugh when he is sad...
Teach him there is no shame in tears,
Teach him to scoff at cynics and to beware of too much sweetness...
Teach him to sell his brawn and brain to the highest bidders
but never to put a price-tag on his heart and soul.
Teach him to close his ears to a howling mob
and to stand and fight if he thinks he's right.
Treat him gently, but do not cuddle him,
because only the test of fire makes fine steel.
Let him have the courage to be impatient...
let him have the patience to be brave.
Teach him always to have sublime faith in himself,
because then he will have sublime faith in mankind.
This is a big order, but see what you can do.. He is such a fine fellow, my son