Hold your breath. It’s that time of the year … the time of the year when the market either makes it or breaks it. It’s Crash or Rally time.

We are all familiar with all the bad news that comes with this period of trading. Here’s a brief recap:

* 1929, Oct 24 (Black Thursday) The Great Depression
* 1929, Oct 29 (Black Tuesday) The Great Depression
* 1987, Oct 19 ((Black Monday)
* 1997, Oct 22 (Asian Financial Crisis) DOW lost more than 11% in 4 consecutive down days.
* 2007, Oct 10 - Start of the Sub-prime Mortgage Crisis Decline
* 2008, Oct 06 to 10 (Black Week) The “Panic of 2008″. DOW closes below 10,000 on Oct 6 for the first time since Oct 26, 2004
* 2008, Oct 09 & 15 2008 - DOW loses more than 7% on each day.
* 2008, Oct 24 (Black Friday) World markets lose more than 10% in one session

Now, also take note that when the market was at a bottom or recovering from a bottom, Octobers were great rally starters;

* 1921, October - After a three year low in August that year, DOW went on to gain 446% over the next 8 years that led into the Crash of ‘29.
* 1934, October - Having recovered from the Great Depression, the market gained 110% over the next 28 months.
* 1949, October - After finding a 4 year low in June, the market broke its 52 week high and started a 16 year bull run that took the DOW from 190 to 988 by Jan 1966.
* 1982, October - Dow breaks above 1,000 and gets above its 10 year high and starts a 5 year rally that extends beyond 150% before breaking down in October 1987.
* 1987, October - After that spectacular break down, Dow started an immediate recovery that went from 1,840 to 3,000 (63%) in 33 months and peaked out at 3,000 by July 1990.
* 1990 October - Dow pulled back from 3,000 in July 1990 to 2,365 by October that same year and found a bottom which rallied to 9,340 (294%) in 8 years, ending with the Russian Financial Crisis in 1998.
* 1998, October - The Russian Financial Crisis ended with a Double Bottom and rallied the DOW from 7,631 to 11,107 by May 1999 for a gain of 45.5% in only 7 months.
* 2002, October 10 - DOW found the Dot.com recession bottom at 7,286 and went into a 16 month recovery that topped out in February 11, 2004 at 10,737 for a 47% gain (albeit with a scare between January and March of 2003).
* 2005, October - Dow holds above 10,200 in a two year consolidation and breaks out the following November and makes a two year run to the all time high of 14,164 by October 9, 2007 for a 38.8% gain.

So 2009..What will happen??? look around, everybody keep talking about stock rally, how much profit they have made. Is time to be fearful as what Warrent Buffet said huh.

A wise quotation by Joseph Patrick Kennedy from 1929:

Even when shoe shine boys are giving you stock tips, it’s time to sell.

Offer a cable for mobile phone users that would allow the
battery in one phone to be used to charge another. Users
who run short of battery could receive a quick 'power top up'
from a friend. Read the full story

七种成功人士的特征：

1. Successful people know what they want. （他们知道他们要什么）
2. Successful people don’t just think, they act. （他们不只是想，他们做）
3. Successful people have insatiable hunger for knowledge. （他们渴望学习更多知识）
4. Successful people are curious and are not afraid to experiment. （他们充满好奇心并不害怕试验）
5. Successful people build their networks. （他们有良好的人际网络）
6. Successful people are passionate about what they do. （他们热衷自己做的事情）
7. Successful people are persistent and patient. （他们很坚持和有耐心）

另外一点就是运气。 Read the full story

Car battery

Create a car battery which consists of two parts, one for lights
and other electrical, the other for starting up. Should the
lights be left on, only one part of the battery would be flat.
Once the car starts up, the healthy part of the battery would
recharge both parts of the battery. Read the full story

每个月的收入可以分成：
A。55% Necessity -- 作为支付所有生活开销和贷款，包括房租
B。 5% Long Term Savings -- 为了未来多过10年而作的储蓄，例如自己的退休金或孩子的教育费
C。 5% mid-long term Savings -- 为了5年以内所作的储蓄，例如房子头期，新车，结婚等
D。10% Financial Freedom Account -- 不准使用的金钱。只可以拿来投资或创业（不应该买基金，即使买，也要有能力管理和分析）
E。10% Education -- 财务教育的费用。必须用来上课，买杂志或付费给财务/税务的咨询
F。5% Charity-- 捐给慈善用途 (看个人而异）。
G 10% Play Jug -- 奢侈享受的费用，必须每月用完，让自己体会在从来都不会花钱的地方。享受有钱人的感觉。

多人的A项超过55%。所以，你的问题就是没有简化自己的生活。A项不能达标，可以说你的财务自由只能是梦。

再提醒一次，人是惯性动物。不可以自己改变习惯的人，自求多福了。

许多人都想要财务自由，可是都有不同的成功见证和模式。
有一套方法，就是金钱的平衡。好像阴、阳，一样协调和融洽。

我们的金钱来源，大致上可以分成：
A。储蓄
B。投资
C。生意的被动收入
D。工作薪金或劳动收入
E。简化生活（节省下来的金钱）

财务自由，同常在当代，被定义为被动收入大于主动收入。

如果在以上的五项，所有的项目都可以满分，就可以轻易的达致财务自由了。
重点是，许多人只会做好其中的某些部分。
例如有人的D项是满分，可是B 和 C 项是零分。这样会财务自由吗？
也有人的B、C、D项都是满分，可是A项和E项出现问题。这样会财务自由吗？

所以，一开始的目标，就是针对自己处理不好的部分，先进行检讨，然后才想办法提升。
自己的强处，只需要维持就好了。

许多人只会看自己的强处，避开弱点，或视而不见。结果就像一辆没有四个轮的马车，跑不远的。

财务自由的秘密，原来在“平衡”。 Read the full story

上星期回吉打，充当大姐的孩子的“保姆“。以下是我跟三岁的侄儿的对话。。。

有天我和他看电视，正播着中国大冷天，人人穿着厚厚的绵衣。

侄儿：小舅，为甚么他们穿那么大件的衣服？

我：因为冷罗。。

侄儿：为甚么会冷？

我：因为冬天所以就冷咯。。

侄儿：为甚么冬天会冷？

我：（敷衍地答）因为不热咯..

侄儿：为甚么会不热呢？

我：（=-="）因为冷咯..

侄儿：为甚么会冷？

我：因为不热咯..

侄儿：为甚么会不热呢？

我：（语无伦次了）因为冷咯.

侄儿：为甚么你一直讲冷冷冷的？

我:。。。。。。。（无语）。。

我们的对话就到此。

=========================================

结论：小孩真不简单。。他们的好奇心可以强到连我敷衍了还想问下去。。那么多问号的。。。 Read the full story

Brake light on the front of vehicles

Place a brake light on the front of vehicles so
that incoming traffic or pedestrians can tell
when a car is slowing down. Read the full story