懒惰人特有爱心？

这些年在外头认识了不少人，有一种人特别让我觉得惊喜的。他们就是特别懒惰的人，而他们的懒也是相当特别的。有设么特别呢 ？

我发现他们的懒都主要集中在肢体运作，甚至于脑力运作。工作的时候还是挺认真的，可到了生活上的事情，他们的惰性就发挥的凌厉精致了。最极端的要算是连吃都懒惰，如果一个人在家，一餐也许泡面，面包，饼干就解决了。不是一顿两顿哦，是可以连续很多天这样！

出去的话也尽量不走路，逛街血拼除外。洗衣洗车等等琐碎的事情就不可能劳烦他们动手了。可是偏偏抹地倒是抹的挺勤快的，要说他们懒，可又有时会做出一些别人觉得他们不可能做的事情。我朋友里最极端的可以连洗衣机也不会用，原因是懒惰学；饮用水也要回父母家拿。但睡房厕所却是自己亲手收拾干净的，这倒是把他们和那些有公主少爷病的家伙区分了出来。

而这类人我发觉他们都非常的善解人意。不知道是不是因为他们的懒让他们非常的明白一般人都有些怎么样的需求。身为一名残疾人，这些特有爱心，善解人意的一群人，很容易的就被我分类出来。如果和他们出去，他们的体贴，无微不至的照顾，很容易让人误会他们是不是我的家人。

不知道你们的身边又有些什么样的奇人，让大家的生活都变得温暖起来？

报税

刚刚把2013年的所得税给报了。每年报税的时候都会觉得很无奈 ，为什么呢？因为看着上面的号码，实在是想不通，我一年有赚那么多钱吗？不是我哭穷，但说实话真的没感觉我每个月那些薪金需要交那么多的税。

明年消费税一来，还不知道生活又会受到多大的影响。市井小民的生活 ，真的是平凡无聊不简单！

冲动

冲动是魔鬼。冲动容易使人犯错。冲动不好。

可是不冲动又似乎容易什么也不敢做，容易失去机会。

所以，今天我冲动了。我把手上的现金全都拿去加码了。

是对是错，过几个月就知道。

现在，两袖清风，没钱没女人，就只有一堆看到摸不到的股票。。。。。

可负担

记得很久以前有个手表广告很红，男主角应该是刘德华吧？不知道有没有记错。广告里有句台词，到今天都还历久不衰，甚至还成为了许多人的生活座右铭。

这句经典台词就是[不在乎天长地久，只在乎曾经拥有]。

我不太了解社会学，所以我不能解释为什么许多社会现象的发生。好比如我不明白到底是社会的发展和生活压力，造成了越来越多人不管明天，只看今朝；还是多数人本来就喜欢活在当下，活一天算一天？

我突然会有这样的感慨是因为和朋友在面子书上谈论了买房的事情。一个人或一个家庭到底该买多少钱的房子？我本人主张房屋贷款在摊还期间，每个月依然可以拥有不错的储蓄，才叫做[可负担]。这点得到了朋友的认同。当谈到如果一个人如果拥有一大笔储蓄的时候，该买多少钱的房子才算可负担时，就出现了分歧。

先声明在槟城小岛，900千要买一间新建的双层排楼也是需要看运气的，而一般新建好的公寓都在600千左右。我们讨论的内容是如果拥有900千的存款，你会买多少钱的房子？

我认为一个小家庭不需要太大的房子，花500千买间二手公寓就够了，而且到时还有400千的现金，生活几乎没有压力，就算工作丢了都可以慢慢的找。而几乎所有朋友都不那么认为，他们都认为应该去买900千的房子，住得舒舒服服最重要。存款没了还有工作，只要不欠钱，或者收入足以摊还生活费和其他贷款，就算可负担。

这我算明白了什么叫做[可负担]。也难怪为什么平时有不少朋友在逛街时都一直调侃我为什么不买这个不买那个，又不是没有钱。可是有钱就应该花掉吗？为什么要去买不需要用到的东西呢？我不介意久久奢侈一下奖励自己，但习惯性地花钱我却认为并不可取。我朋友甚至亲戚里就有人是见不得银行里有存款的。只要里头有些积蓄，就一定会忍不住花掉。也许这就是大家心里的[可负担]，反正花得起，何必想太多？

世界杯症候群

今天应该是我病发的第一天。明明睡了足足六个小时，比平时也差不多，可就是昏昏沉沉的，眼睛怎么也睁不开。看来世界杯病毒加上蓝色星期一，威力不是一般的大！

听说世界杯症候群中，我的病情算是轻微的，因为至少我再无精打采，也都还能在办公室里硬撑。不少严重病例会不屈不挠的四处寻访仁医，望他们高抬贵手，大笔一挥，就可以在家里好好养病。要不然晕倒在公司就影响不好了，难堪呵。

股市也像患了感冒一样有气无力地。低成交量，没有买气，气氛实在沉闷。可偏偏我的组合就在这种沉闷的气氛中突破了六个月以来的新高！自从Zhulian 一战弄得灰头土脸，损失了近17% 之后，组合就一直萎靡不振。想不到不知不觉中不止已经收复失地，还更上一层楼。要说可惜的话，那就是浪费了半年的时间了。

如果世界杯病毒真的对我的组合有反应，让其突破，那再继续昏昏沉沉，我也认了，哈哈。。。

预算

不知道有多少人拿到薪水之后，会先划分好预算？多少钱用来吃喝，多少钱用来储蓄，多少钱孝敬父母，都会大约规划好，那么花费就容易被控制，避免浪费。

我相信会这么做的人不少，毕竟每个月花多少都有个规律。就算不刻意去做预算，久而久之这些划分也会自然成形。可是真正会去探讨自己预算合不合理的人却应该不多。

一个月薪1万的执行员，花1千块钱吃喝应酬没什么；可是同样的花费发生在一个月薪3千的工程师身上，就显得不怎么合理了。

而且现代人月光族很多，每每都说自己薪水太少，根本不可能够花，太过仔细的预算没有意义，因为每项花费都是必要的，根本不可能再降低。这种说法我同意一部分，但是预算对这群人来说却绝对不是可有可无的。

要摆脱财务牢笼，就必须要有储蓄。月光族要摆脱这种困境，就绝对有必要在现有的花费里牺牲一些，就算是必要的花费必须这么做。不经历风雨，如何能见彩虹？不付出也不怎么可能得到回报。

预算做好了，也必须严格遵守，要不然一切也都只是空谈！

世界杯六绝

世界杯倒数11个小时，可是股市似乎从上个星期已经开始为世界杯铺路了。成交量萎缩，指数一点一点地跌，今天更是只有14亿成交值，可谓冷清。这一次又不知道有多少钱会被卜基掠夺。五穷六绝，这个六月似乎在劫难逃。

交易天在家最无奈的事情就是容易手痒。昨天就手多多的做了两宗交易，结果现金就从12.4%锐减到只有7.6%。虽然感觉世界杯举行的一个月里股市会持续低迷，可是还是忍不住去买。这就是不自律，可耻至极！

今晚我的5星巴西就会出场迎战克罗地亚，先预祝巴西旗开得胜，并且一路挺进，勇夺第六座大力神杯。

[Shared] How To Become A Millionaire By Age 30

http://www.businessinsider.com/how-to-become-a-millionaire-by-age-30-2014-6?IR=T&


Getting rich and becoming a millionaire is a taboo topic. Saying it can be done by the age of 30 seems like a fantasy.

It shouldn't be taboo and it is possible. At the age of 21, I got out of college, broke and in debt, and by the time I was 30, I was a millionaire.

Here are the 10 steps that will guarantee you will become a millionaire by 30.

1. Follow the money. In today's economic environment you cannot save your way to millionaire status. The first step is to focus on increasing your income in increments and repeating that. My income was $3,000 a month and nine years later it was $20,000 a month. Start following the money and it will force you to control revenue and see opportunities.

2. Don't show off — show up! I didn't buy my first luxury watch or car until my businesses and investments were producing multiple secure flows of income. I was still driving a Toyota Camry when I had become a millionaire. Be known for your work ethic, not the trinkets that you buy.

3. Save to invest, don't save to save. The only reason to save money is to invest it.  Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. This will force you to continue to follow step one (increase income). To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access.

4. Avoid debt that doesn't pay you. Make it a rule that you never use debt that won't make you money. I borrowed money for a car only because I knew it could increase my income. Rich people use debt to leverage investments and grow cash flows. Poor people use debt to buy things that make rich people richer.

5. Treat money like a jealous lover. Millions wish for financial freedom, but only those that make it a priority have millions. To get rich and stay rich you will have to make it a priority. Money is like a jealous lover. Ignore it and it will ignore you, or worse, it will leave you for someone who makes it a priority.

6. Money doesn't sleep. Money doesn't know about clocks, schedules or holidays, and you shouldn't either. Money loves people that have a great work ethic. When I was 26 years old, I was in retail and the store I worked at closed at 7 p.m. Most times you could find me there at 11 p.m. making an extra sale. Never try to be the smartest or luckiest person — just make sure you outwork everyone.

7. Poor makes no sense. I have been poor, and it sucks. I have had just enough and that sucks almost as bad. Eliminate any and all ideas that being poor is somehow OK. Bill Gates has said, "If you're born poor, it's not your mistake. But if you die poor, it is your mistake."

8. Get a millionaire mentor. Most of us were brought up middle class or poor and then hold ourselves to the limits and ideas of that group. I have been studying millionaires to duplicate what they did. Get your own personal millionaire mentor and study them. Most rich people are extremely generous with their knowledge and their resources.

9. Get your money to do the heavy lifting. Investing is the Holy Grail in becoming a millionaire and you should make more money off your investments than your work. If you don't have surplus money you won't make investments. The second company I started required a $50,000 investment. That company has paid me back that $50,000 every month for the last 10 years. My third investment was in real estate, where I started with $350,000, a large part of my net worth at the time. I still own that property today and it continues to provide me with income. Investing is the only reason to do the other steps, and your money must work for you and do your heavy lifting.

10. Shoot for $10 million, not $1 million. The single biggest financial mistake I've made was not thinking big enough. I encourage you to go for more than a million. There is no shortage of money on this planet, only a shortage of people thinking big enough.

Apply these 10 steps and they will make you rich. Steer clear of people that suggest your financial dreams are born of greed. Avoid get-rich-quick schemes, be ethical, never give up, and once you make it, be willing to help others get there too.

Read more: http://www.entrepreneur.com/article/234454#ixzz34K65b5Or

流浪到砂拉越

工作压力越来越大，实在令人喘不过气来。趁着朋友结婚，不管三七二十一，拿个假期流浪去。这个假期结束之后也不知道要怎么收拾工作的残局，不管啦，再不放松一下我都快疯了。

整个旅程基本上就是吃。这六天里吃的食物至少是我平时两个星期的分量，没办法，朋友实在太好客，深怕我们饿着，拼命的把各种食物往我们嘴里塞。都不知道这次又胖了多少，至少我觉得裤子好难才扣得起来。暴饮暴食实在不可取，罪过罪过。

这次朋友的婚礼办在诗巫，之后还有到实里街和古晋。砂拉越的气候最近还算不错，不像槟城热得像个沙漠。昨晚回到家里就觉得满身大汗，连开着冷气睡觉都觉得些许闷热，真是可怕。

假农夫

古晋胡姬园

在古晋住的酒店，设备不错。三个美女在办手续。

在实里街水果市场看见的巴西龙眼，西马不多见。口感不错。

明天要开工了，可怜。。。。

2NE1 - Come Back Home

很喜欢这个Unplugged版本，歌词也很有意思。韩国舞曲能够红遍全世界，其中有很多值得其他国家学习的地方。希望有一天大马的音乐界也能红遍国际，扬眉吐气。