Friday, October 23, 2009
LEFTHANDED SOLDIERS by Gary Eby
There are few things in life that move me like seeing someone overcome adversity. I believe that there are great men and women from all walks of life, who, because of some "event" or series of events, have pretty much given up. Somewhere between brokenness and bitterness many have laid down their proverbial swords and surrendered. They've been wounded. Lefthanded Soldiers teaches us that when we are wounded … when our "right arms" have been hurt … that we can become Lefthanded Soldiers rather than allowing our circumstances to condemn us to a life of "what-ifs."
How many great leaders are no longer leading? What will our society suffer because the leadership we need is somewhere hurting rather than rallying the troops? What great sickness is raging because the doctors and nurses who can make a difference are in need of healing themselves? How many great sermons will not be preached because an overworked and underpaid Pastor had a "humpty-dumpty" fall and is allowing condemnation to keep him out of service? Great public servants, teachers, volunteers, entrepreneurs, and politicians, all over the world are waiting ... waiting for someone to care enough to put their arms around them and say ... "Let's get back into the battle of life again! We need you!"
I believe that great leaders can inspire the "wounded warriors" among us that they can "engage" in life again and they can be winners!
In the real world… most of the time… it's the size of your mess that determines the size of your message. It may not be pleasant to hear, but, the size of your testimony is due, in large part, to the size of your test. Where would Abe Lincoln have been without the Civil War? Where would John Kennedy have been without the Cuban Missile Crisis? David needed Goliath to become King. You cannot not wear a victor's crown without having fought a few battles! You can't sing before you talk. You can't run before you walk. You can't have a message until you've had a mess … and you can't have a testimony until you've had a test! Let's look at these lyrics to a song that I wrote.
The victor's crown only goes to those who've been in war.
Eagles can't stay in their nest if they want to soar.
Sitting on the side lines you'll never be your best.
You can't have a testimony 'till you've had a test.
God won't send thirsty people to an empty well.
Heaven's cup sure is sweeter once you've tasted hell.
There's no wine until the grape has gone through the press.
You can't have a testimony 'till you've had a test.
Out of this understanding "Lefthanded Soldiers" was born. I want to teach you ... to teach others that "Change is a door that can only be opened from the inside!"
The willingness to change can be inspired by others but change itself is a personal choice. It is "Choice" not "Chance" that determines your destiny.
Lefthanded Soldiers is a call for the wounded to "get back into the battle of life!"
Lefthanded Soldiers is a call for leaders to build an army of renewed, revived warriors. Let's teach them that they can make a decision to "engage" in life again. Let's teach them that they can make a difference in the world. They can be "Lefthanded Soldiers!"
Wednesday, September 02, 2009
The A-B-C of an economy
Some say we are now seeing some signs of hopes in the global economic recovery but be cautious at the same time as the world may see a secondary impact of an economic contraction and thus we may see a double-dip.
The letter "W" comes to mind with the above interpretation of the current state of the global economy.
Some say we are well past the worst and are in recovery path, hence there is no turning back. This summarises the V-shaped economy that some economists are predicting.
Some see a prolonged period of mediocre economic growth, ala Japan in the 1990s and hence the description of an L-shaped economic growth ahead.
U, W, V and L are not the only letters of the alphabet that can be used to describe growth in the coming years. There are several others that we should perhaps understand to describe economic conditions.
Six months ago, we were talking about the world entering into a depression - the "D" economy - the type that perhaps more than 90% of the world population has not seen as the last Great Depression was more than 70 years ago.
Fear ruled our investment instincts as we could not comprehend the "D" economy ahead.
Lately we have not heard anybody talking about the "D" economy as we are seeing multiple green shoots all over the world, enough for us to be convinced that a recovering economy is ahead - the "R" economy.
Interestingly, in the English alphabet, "V" and "W" come after "R" and hence economists' expectations of whether the "R" economy will be a "V" or "W" is left to be seen.
We may see a "V" type recovery but as "W" follows "V", the V-shaped recovery could very well be false hope if the economic recovery momentum is not sustained.
In Malaysia's case, the just-released second quarter gross domestic product data confirms that we are in recession as we posted a second consecutive quarterly contraction in our economy.
While this was already widely expected, bets are now also placed that we will be out of the recession as early as the fourth quarter of this year.
What sort of "R" economy are we going to see post fourth quarter is left to be seen but it is heartening to note that our worst fears are now clearly unfounded.
Besides Malaysia, countries in the region have also posted encouraging second quarter economic data, with strongest growth posted by China with a 7.9% expansion followed by Indonesia and Philippines at 4% and 1.5% respectively.
Hong Kong, Singapore and South Korea posted smaller second quarter year-on-year economic contraction than Malaysia with readings of -3.8%, -3.5% and -2.5% while countries like Taiwan and Thailand still had deep contraction with 7.5% and 4.9% year-on-year falls respectively.
Hence, in terms of the pace of recovery in the second quarter, Malaysia still lagged the larger open economies like Singapore, South Korea and Hong Kong but did not fare that bad when compared with Taiwan and Thailand. However, the surprise package was indeed from Indonesia and Philippines. Question is, where do we go from here?
While a V-shaped recovery seems to be in the horizon, we have to be mindful of the subsequent challenges ahead as the US economy is still the pillar of global economy and if the US economy, which is driven by consumer spending, falters, it is likely the much talked about "W" may be in the horizon.
Whether it is a "V" or "W" economy ahead, it will definitely make an impact on policy responses globally as well as on markets, especially the current liquidity-driven market. As long as we don't go into an "O" economy - running around in circles - we should be fine.
Friday, July 24, 2009
真愛,就不要等,除非是不想結婚
1.很清楚的知道她不合適自己,可是更確定的是他不會主動說分手。他只是耗著等著,直到有一天女生自己受不了忽冷忽熱、若即若離的態度, 或是等到年華老去不得不下決定時,自己選擇離開。
妳的主動離開,我沒有負心,反而是尊重與成全妳的決定。
2. 半年後發現,他居然可以跟一個只認識三個月的女生步入禮堂,令她晴天霹靂,才明白他不是不想結婚,不是真的不婚主義者,說穿了只是他不想跟妳結婚。八年的愛情長跑比不上三個月的感情。
3. 這位故事中的男生是我的朋友,現在也已經結婚半年。當他聽到劉若英的「後來」,居然會無法克制的流眼淚,
想起的是他交往八年的前任女友。為什麼會難過,因為妻子身上有著前任女友的影子,他才明白其實他喜歡的就是這種類型的女孩。
4. 可是人往往很矛盾,喜歡她的倔強與有性格,卻受不了她的嬌縱。喜歡她的落落大方,卻受不了她的朋友一堆;
你愛她的小家碧玉,就不要怪她不夠大方;你愛她的活潑大方,就不要批評她像花蝴蝶一樣。戀愛談的愈長,結婚的可能性就愈低,所以有時候戀愛的長度與結婚的可能性成反比。
5. 喜新厭舊是人性,日子久了,會結婚不是為了愛情,而是責任感的驅使。婚後的他才慢慢的發現,當時的那一段感情其實不是不愛,是時間太久了太長了,把愛情給 磨掉了,再遇到另一個女孩點燃了愛情的火苗,星星之火足以遼源,把枯竭已久的愛情給予生命,所以倉促的決定結婚。等到真的結婚後,愛情降了溫,才慢慢的發 現其實妻子的身上有著許多前任女友的影子,他比較愛的人其實還是前任女友,可是他娶的卻不是她。
這樣的情節不知道是不是也在別處同樣上演著?
6. 學生時代的愛情很單純,出社會以後總想等工作穩定以後再結婚,工作穩定以後又想等有一點積蓄買車子、買房子以後再結婚,等著等著,等到愛情被時光給消磨, 等到第三者介入點燃了對方心中激情的火苗,乾柴烈火不可收拾以後,曾經在年少一起織夢的理想全都抵擋不了新鮮感的激情,所以琵琶別抱,到最後步入禮堂的都 不是在一起同甘共苦、共同經歷過寒、暑假,等當兵的人。
7. 所以奉勸各位女孩子
如果對方真的是你想結婚的對象,不要想著有房子有車子有金子,有了一切再結婚。 現實是,等他有了一切,他的身價暴漲是有價值的單身貴族,他必需要面臨的是更多的誘惑,妳長久以來的等待與年輕時許下的山盟海誓都難以抵擋誘惑排山倒海的 來。 就像我現在若不嫁他,非得等到他有車子有房子還有存款時再結婚, 那時新娘有極高的可能不是我。 因為要等到什麼都有還要幾年?
有能力的男人就像酒愈久愈香醇,女人則像麵包一樣有賞味期限,青春是女人的天敵。 如果我是他,等到我三十五歲,什麼都有是個有上千萬身價的黃金單身漢,我並不需要一個很有能力而年過三十的女人來幫襯我,我寧可選個如花似玉,年輕貌美的 女生,也許沒有什麼工作能力,至少發揮了賞心悅目的功能,一個真正有能力的男人,不會在乎一個女人是否能在他的財富上加乘。
遇上對的人,莫等待莫蹉跎,也許沒有房子沒有車子,只要他認真上進,他就是張有潛力的積優股,早點進場獲利更高。
8. 也提醒各位男士,
如果對方真的是你想好好疼愛的女人,別讓她等太久,有她一起陪你奮鬥應該是很美好的一件事除非你心中有其他的想法,否則別讓愛情等太久,把真愛都磨掉了!雖然聽起來很殘忍, 但身邊的家人朋友都有類似的例子。
真愛,就不要等,除非是不想結婚......
Thursday, July 16, 2009
以后你要和我一起辛苦啦!
看得出来,男主人公对未婚妻说这句话,内心是饱含歉意的:结婚,不会给你带来幸福,只会让你跟我一起吃苦。
我很欣赏这句台词。
人生皆苦。
没有知识的苦,没有道德的苦,没有金钱的苦,没有自由的苦,没有情感的苦,上学求知的苦,求职某业的苦,生儿育女的苦,病痛衰老的苦,死亡的苦。苦是生活本身。
结婚,这样一种把两个人联系在一起生活的形式,本身并不能改变生活的本质,生活的本质是苦的,结婚可以改变生活的外表、形式,改变不了生活的本质。
所以,结婚的时候,跟对方说"以后你要跟我一起吃苦了!"是很真实、很真心的话。
这样的话,要比"我爱你"真实。"我爱你",你就得嫁给我?有什么理由?言下之意是你对我的爱,可以让我幸福吗?"爱"不可能让另一个人幸福,你爱一个人,只能让你自己觉得幸福。你有了寄托,有了成就感,那个被爱的人呢?生活的苦,不是一样样还要爱的、躲不过的。并不因为你有了别人对你的爱,就会减轻啊。
最近我有一个朋友离婚了,我问,为什么离婚呢?
他不说,只说早就离了。
我说:结婚就是两个人一起吃苦,如果你们结婚的时候这么想,就知道自己要不要结婚;如果结婚了,也就不会因为两个人都想从婚姻里拿"幸福",结果两个人都拿不到而失望了;或者,就不会离婚了――本来就是一起来吃苦的,苦日子就过下去吧。
须知苦尽甘来啊。。。!! 学会苦中做乐便会更快乐。。
Saturday, July 11, 2009
Stephen Hawking: 'Humans Have Entered a New Stage of Evolution' - By Casey Kazan
Although It has taken homo sapiens several million years to evolve from the apes the useful information in our DNA has probably changed by only a few million bits. So the rate of biological evolution in humans, Stephen Hawking points out in his Life in the Universe lecture, is about a bit a year.
"By contrast," Hawking says, "there are about 50,000 new books published in the English language each year, containing of the order of a hundred billion bits of information. Of course, the great majority of this information is garbage, and no use to any form of life. But, even so, the rate at which useful information can be added is millions, if not billions, higher than with DNA."
This means Hawking says that we have entered a new phase of evolution. "At first, evolution proceeded by natural selection, from random mutations. This Darwinian phase, lasted about three and a half billion years, and produced us, beings who developed language, to exchange information."
But what distinguishes us from our cave man ancestors is the knowledge that we have accumulated over the last ten thousand years, and particularly, Hawking points out, over the last three hundred.
"I think it is legitimate to take a broader view, and include externally transmitted information, as well as DNA, in the evolution of the human race," Hawking said.
In the last ten thousand years the human species has been in what Hawking calls, "an external transmission phase," where the internal record of information, handed down to succeeding generations in DNA, has not changed significantly. "But the external record, in books, and other long lasting forms of storage," Hawking says, "has grown enormously. Some people would use the term, evolution, only for the internally transmitted genetic material, and would object to it being applied to information handed down externally. But I think that is too narrow a view. We are more than just our genes."
The time scale for evolution, in the external transmission period, has collapsed to about 50 years, or less.
Meanwhile, Hawking observes, our human brains "with which we process this information have evolved only on the Darwinian time scale, of hundreds of thousands of years. This is beginning to cause problems. In the 18th century, there was said to be a man who had read every book written. But nowadays, if you read one book a day, it would take you about 15,000 years to read through the books in a national Library. By which time, many more books would have been written."
But we are now entering a new phase, of what Hawking calls "self designed evolution," in which we will be able to change and improve our DNA. "At first," he continues "these changes will be confined to the repair of genetic defects, like cystic fibrosis, and muscular dystrophy. These are controlled by single genes, and so are fairly easy to identify, and correct. Other qualities, such as intelligence, are probably controlled by a large number of genes. It will be much more difficult to find them, and work out the relations between them. Nevertheless, I am sure that during the next century, people will discover how to modify both intelligence, and instincts like aggression."
If the human race manages to redesign itself, to reduce or eliminate the risk of self-destruction, we will probably reach out to the stars and colonize other planets. But this will be done, Hawking believes, with intelligent machines based on mechanical and electronic components, rather than macromolecules, which could eventually replace DNA based life, just as DNA may have replaced an earlier form of life.
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Lenard entry:
Interesting indeed to know how we as human had change or evolved and continue to evolving further. Only hope is during this process of transformation we able to gain not only knowledge but most importantly wisdom and excel to become more wise and kind heart species in this universe, create and contribute more good rather then bad.
With the rapid changing of technology together with huge improvement in the infrastructure of high speed conductivities both in wire and wireless environment. It's sure to become more and more faster and easier to contribute information both in the form of individual as well as in a collective group via latest web service like blog and twitter. Also combination of social network website like Facebook, Friendster and many more that linked us all together and speed up the transferability and delivery of information and knowledge to each and every individual whom connected to it.
Monday, July 06, 2009
Good Saleman 這才叫業務員∼
这就是我所谓的一个好的推销员或“超级销售人! ”
了解你的客户以及并向他/她销售和交叉销售的所有相关物品,多用点更富有创意性的点子!
This is what I call a good saleman or "Super Sale Man!!"
Understand your clients well and promote and cross sale all relevant items to him/her! Be a bit more creative!!
這才叫業務員~
一個鄉下來的小夥子去應聘城裡大百貨公司的銷售員。
老闆問他:"你以前做過銷售員嗎?"
他回答說:"我以前是村子裡挨家挨戶推銷的小販子。"
對談之下,老闆蠻喜歡他的機靈:"你明天可以來上班了。等下班的時候,我會來看一下。"
一天的光陰對這個鄉下來的窮小子來說太長了,而且還有些難熬。
但是年輕人還是熬到了5點,差不多該下班了。
老闆真的來了,問他說:"你今天做了幾單買賣?",
"一單,"年輕人回答說。
"只有一單?"老闆很吃驚地說:"我們這兒的售貨員,一天基本上可以完成20到30單生意呢。那你賣了多少錢?"
"300,000美元,"年輕人回答道。
"你怎麼賣到那麼多錢的?"老闆目瞪口呆,半晌才回過神來。
"是這樣的..."鄉下來的年輕人說:"一個男士進來買東西,我先賣給他一個小號的魚鉤,然後中號的魚鉤,最後大
號的魚鉤。接著,我賣給他小號的魚線,中號的魚線,最後是大號的魚線。我問他上哪兒釣魚,他說海邊。我建
議他買條船,所以我帶他到賣船的專櫃,賣給他長20英尺有兩個發動機的縱帆船。然後他說他的大眾牌汽車可能
拖不動這麼大的船 。我於是帶他去汽車銷售區,賣給他一輛豐田新款豪華型'巡洋艦'。"
老闆後退兩步,幾乎難以置信地問道:"一個顧客僅僅來買個魚鉤,你就能賣給他多東西?
"不是的" 鄉下來的年輕售貨員回答道:"他是來給他妻子買衛生棉的。我就告訴他~ " 你的週末這下沒搞頭了,幹嘛不去釣魚呢? "
The young man from a village interview to become a sales person in a city department stores.
The boss asked him: "Have you ever become a sale person before?"
He replied: "I was a door-to-door sale person in my village."
After the interview the boss found him to be a clever man and really like him: "You can come to work tomorrow. And will come and check on you after work."
Time on that first working day the village young person was too long, but he manage to hang in there until 5:00pm, almost finish working for that day.
The boss come, asked him: "How many sale you manage to get for today?"
"Only one " replied the young. man.
"Only one?" Was surprised by the boss and said: "The average sale person basically one day can get 20-30 sales or business. Then how much do you sell?"
"300,000 dollars," replied the young.
"How do you sell so much money in only one sale?" Boss stunned, recovered it for a long while.
"... Well it's like this" Village young man said: "One man come in to buy something, I sold him a small fish hook, and then a medium size one then at last I sold him the big size hook. Then, I sell him small fish line, then the medium size fish line, and finally the large size fish line. I asked him where would he like to go fishing, he said the ocean . Then I suggested that he go and get a boat, so I took him to the special boat counter to sell him a boat, sell him a 20' feet long with two longitudinal engines boat. Then I told him that his Volkswagen probably might not able to drag such a big boat. I then took him to car sales area, sold his new Toyota luxury car 'cruisers'. "
The boss took a two steps back, almost shocked and asked: "A customer just came to buy a fish hook, you able to sell him more than one item?
"No" village young man replied: "At beginning he is only want to buy tampons for his wife. then I ask him ~" This weekend seem to be terrible for you, why don't you go for fishing? "
Friday, June 05, 2009
愛情,不用翻譯 ?
幾年前奧斯卡最佳影片提名的《愛情,不用翻譯》,乍看之下覺得這個片名取得很浪漫,愛情就是一切盡在不言中,否則怎是愛情呢!看了之後才知道其主題內容比較接近原文片名《Lost In Translation》,兩人迷失在語言不通的陌生城市,內心渴望一份真實的愛,但寂寞卻揮之不去,如影隨形,整個人好像要被寂寞吞噬了,走不進對方的心,卻也走不出來這種寂寞關係,最後就迷失(Lost)在寂寞裡。
「愛情,不用翻譯」是我們對愛情的想像,以為有了愛情,一切就會順理成章、水到渠成,對方因為愛我就會心甘情願的為我付出一切。可是事實是:這個世界上沒有一個人可以滿足我們的所有需求,就像我們無法滿足別人所有的需求。
兩性之間的吸引力大多來自「相異性」,而不是「相似性」,我們喜歡從別人身上拿到自己沒有的東西。換言之,吸引力是從「匱乏」中產生的,愛情是因相互匱乏而結合,因得不到自己的匱乏而分開的。這種關係模式中只看到自己想要的部份,而沒有看到一個人,基本上是把對方給「物化」了,只要他能提供滿足妳的東西(不論精神或物質),他才是存在的、才是有價值。否則,妳就認為他不愛妳,妳也不會再愛他。
可是人是一個整體,妳很難只要一部份,而不接受其它部份。當妳愛一個人的時候可是要「概括承受」,理由很簡單,因為他是一個『人』,而不是一個東西,他有妳要的部份,也有妳不要的部份,這些都是他。妳只要他表現妳要的部份,不是欺騙自己,就是逼他說謊,這也就是在愛情中需要那麼多謊言的動力。當妳把對方物化成一個東西之後,很自然地妳也把自己物化了。妳只能拿自己的一小部份跟別人交換,這背後是有很多不安與恐懼的,當自己不能滿足對方時,妳會很沒有安全感,這種不安感常常是用『控制對方』來掩飾,愈控制就愈失去對方。這不是誰對誰錯的問題,真相是我們都無法完全滿足對方,卻硬要逼對方這樣做。當看清真相的時候,也是很多人分手的時候。
愛情當然是要翻譯(Translation),因為每個人對愛情的劇本,都是用自己獨特的語言書寫,其中充滿想像、投射、隱喻、謊言,還有別人一輩子也猜不到的弦外之音。問題是我們都以為情人看得懂我的愛情劇本,並且會配合我的劇本演出,沒想到一上場根本就不是這麼一回事。有人會怪對方不配合,不斷地換角色,想找個完美情人;有人會怪自己,一再修改自己的劇本,委屈受苦地待在一段關係裡,盼望有一天對方會注意到她的需求,配合演出。寂寞的人跟寂寞的人在一起,不管他們一起做什麼事,只會更寂寞。
凡是從匱乏出發的愛情,很容易陷入「別人要給我幸福」的迷思,而忘記自己所該負責的部份。幸福不是天上掉下來的禮物,請問:妳何德何能,為什麼別人要給妳幸福?別人給妳的幸福,也可以再拿回去。為什麼幸福不能自己創造呢?人終究是孤獨的,自己無法給自己的東西,從別人身上也是要不到的。
不只是愛情,人世間的真相就是如此。這不是對愛情的失望,而是對愛情的尊重、對生命的謙卑。我是一個人,有我的能與不能,有我的限制與跨不過的地方;對方也是一個人,他也有同樣的困境。如果我愛對方,我不僅讓對方看到我能的部份,同時也讓他看到我不能的部份,這是『人』跟『人』的接觸,真正的愛開始流動,幸福就在其中。
Thursday, June 04, 2009
愛情對人之意義為何?
「結婚是失誤,離婚是覺悟,再婚是執迷不悟」、「有很多
一般人的愛情都只是將對方鎖住而已,以為擁有對方,就等
一般人的愛情,在早期階段屬物性層次,著重感觀上的運作
多數人談愛情都是從「迷」進入,因為迷才會覺得好,之後
結了婚,有了家,進入所謂理性階段,家就變成愛情的「依
婚前情話綿綿,婚後天天吵架,為何會這樣?原因是愛情的
一般的愛情走進家庭,燃料己盡,不再產生動力,看待對方
要打破一般人對愛情的迷失,必須回到愛情的本質上來看。
愛情本質有如君臣般的關係是相敬如賓的,是付出而無所懼
愛情的本質除了貫穿五倫外,同時也是一種自愛的力量,以
懂得欣賞自己,知道自己的功夫、層次、智慧及表現,有了
愛情對人生的意義就像菩薩一樣,成就自己,也成就他人,
Thursday, April 02, 2009
How do you measure a company's financial health?
Altman's Z-Score helps investors determine the bankruptcy risk of a firm
DESPITE the recent strong stock market rally as a result of the current tough economic environment, some investors may still doubt the financial health of some listed companies.
At present, apart from some common financial ratios such as debt-to-equity and interest coverage ratios, investors are looking for a ratio that can provide an indicator on the potential bankruptcy risk for any listed companies.
In this article, we will look into a method called Altman's Z-Score, which can help us determine the bankruptcy risk of a company.
The Altman's Z-Score Method was developed by Dr Edward I. Altman in 1968. It is a multivariate formula to measure the financial health of a company on whether it will enter into bankruptcy in the coming two years.
This method uses five common business ratios: earnings before interest and tax (ebit)/total assets ratio; sales/total assets ratio; market value of equity/market value of total liabilities; working capital/total asset ratio and retained earnings/total assets.
The Z-Score is computed using a weighted system based on the formula below:-
Z= 3.3X1 + X2 + 0.6X3 + 1.2X4 +1.4X5
Where:
X1 = ebit/total assets
X2 = sales/total assets
X3 = market value of equity/total liabilities
X4 = working capital/total assets
X5 = retained earnings/total assets
According to Altman, if the score is 3.0 or above, bankruptcy is not likely. If the score is 1.8 or less, potential financial embarrassment is very high.
A score between 1.8 and 3.0 is the grey area where the company has a high risk of going into bankruptcy within the next two years from the date of the given financial figures.
Hence, we can conclude that we should look for companies with higher Z-Scores for investing.
We have computed Z-Scores for two listed companies, Company A and Company E. Company A is consumer-based whereas Company E is property-based. We notice that Company A has a strong Z-Score value of 5.78 versus a very low 0.62 for Company E. Based on Z-Score, Company A is very unlikely to go bankrupt (5.78>3.00) whereas the chances of Company E going into bankruptcy is very high (0.62<1.80).
The reason behind the very low Z-Score value for Company E was because it had a very low market value over its total liabilities as compared to the high market value for Company A. In fact, Company E is currently having financial difficulties and is under PN17 (Practice Notes 17).
In short, companies with higher profit margins, sales, market value, working capital and retained earnings against their total assets will command a higher Z-Score.
This method is popular in the Western countries where some accountants found it quite reliable and accurate.
In the Malaysian context, according to a user manual published by Dynaquest Sdn Bhd, they found that the cut-off at around 1.5 is a better measurement of the likelihood of bankruptcy as compared to the 1.8 stated by Altman.
It may appear that companies selling at higher market value are safer than companies with lower market value. However, sometimes we may be tempted to nibble companies with lower stock prices.
We should be aware that the current very low stock prices for certain companies may indicate to us that the coming financial results of these companies might be quite disappointing.
However, we should be aware that Z-Score does not apply to every situation. We may want to use additional financial ratio like debt-to-equity ratio to complement this method.
Tuesday, February 24, 2009
机会
已让心灰意冷的灵魂,在心寒的日子里,
添上薄薄而透明的冰霜,把其心封锁在孤独与无情当中。
杀那间的突来的机会。。仿佛就像迟来的礼物, 又由如黑夜里的风中蜡烛;
让人杀那间惊喜交加,另一方面又摸不着头,也看不透。没人知晓它会在何时何日在次出现以眼前;
或突然急消失以漆黑当中。。
也没人知道,这样的机会。。是否获得大家的认同肯定与祝福。
机会。。这两个字。。
是天意的造化,命运的纠缠,缘份的纠葛,还是人类的安排?
机会。。仿佛一个永远都有在等待的感觉。。
谁又晓得是否在下一秒机会出现了, 然后在另一个下一秒,
又突然消失以无踪。
兴奋? 不安? 期待?胡思? 错过。。。懊悔!!
机会不是每个人都有。。特别是第二次。。。
把握不到的机会,只能眼睁睁看着它溜走,也只能暗然伤心与无助;
把握到的机会时,往往在同一时间里头,又同样的也会失去另一个机会。。。
但以为能把握的机会,原来也是需要看对方是否愿意给于这样的
一次机会!
Monday, February 23, 2009
活着让你好好爱我!!!
女孩问他的传呼号是什么,男孩说:'这是爱情专线,号码不公开。'从此女孩每天都把它带在身边,一刻也不离开。在一个阳光明媚,让人有一份好的不得了的心情的周末,女孩只留了一张字条给父母,坐上汽车奔向邻近的县城游玩,但是没有人知道女孩正走向一场灾难。
女孩县城玩了一天,拖着沉沉的脚步找到一间带淋浴的小旅馆。一走进房间,女孩迫不及待的走进浴室,想洗去一身的疲惫。当女孩正准备脱衣服的时候,脚下一阵晃动,她急忙扶住一根铁管,心想错觉吗?但是当第二次晃动,女孩知道这不是错觉。
跟 随第二次的晃动中还带有急促和沉闷的断裂声,女孩的全身开始颤栗,她知道可怕的地震来了,随着第三第四次的更加猛烈的震动,无边的黑暗和无边的恐惧把女孩 紧紧的包裹起来女孩象一只受伤的野兽,拼命的放声号叫,拼命的拍打、撕咬浴室的门板。然而一切都是徒劳,女孩无力的蜷缩在阴凉冷漠的地上。
不知过了多久,忽然腰间一阵颤动,是呼机。女孩匆匆的摘下它,在黑暗中摸索着按到了键子,即看到了绿色的光芒:'林先生请你七点钟到老地方见面。'读着这句话,女孩的泪水又一次涌出来,滑过嘴角。咸咸涩涩的。想着电话那边的他,女孩又再一次尝试着走出困境,但是是再一次的徒劳与绝望。女孩跌坐在地上,把自己缩成一团,眼睛盯着呼机的屏幕。
不知过了多久,女孩睡着了,又不知过了多久,呼机再一次在女孩的手中颤动了:'林先生问你在哪里,请速回电话。'女孩再一次的流下眼泪,我想告诉你我在哪里,但是我办不到啊。渐渐的女孩平静了下来,面对无法挽回的死亡,女孩不知道自己还能做什么。
呼机第三次震动:'去了你家,看到你留下的字条,请火速回家。'女孩的心又开始躁动。呼机第四震动:'我听到广播,知道你那里发生了什么,相信你此时正拿着呼机读我的话,我们很快会见面的。'似乎有一缕曙光在女孩的眼前闪过。女孩期待呼机第五次的震动,此时的呼机成了他生命唯一的寄托。
时间一分一秒的过去了,呼机象一个疲惫的孩子一样睡着了。终于第五次的震动来了:'我去找你,车不通,想尽各种办法,还是无功而返。我相信你不会出问题的,你是一个聪明又好运的女孩。我等待你的归来!'第六次,第七次。。。。女孩在男孩一次又一次的传呼中度过了一个又一个恐惧与绝望的时刻,不知不觉已经两天两夜了。
死 亡的阴影越来越紧的箍住女孩的全身,仿佛看到自己体内的鲜血和肌肉正被一条黑色的巨蛇一口一口贪婪的吞噬。女孩觉得自己快不行了,连哭泣的力量都没有了, 她的思想开始混乱,感觉自己正在往下沉,就在沉到底的时候,呼机第三十八次,也许第四十八次,五十八次震动起来,那震动象磁铁一样,牢牢的吸住了女孩体内 残余的所有能量:'我们什么时候结婚?举行哪些仪式?从现在开始我们分别设想一下,日后评出最佳方案。'
结婚,婚礼,实在是太诱人了,女孩陷入了遐想之中。海底婚礼,象鱼一样自由自在穿梭在海洋世界;跳伞婚礼,与白云并肩飞在空中……女孩再一次振作起来,是啊,人生那么美好,又有多少美好的人生的等着我呢。第六十次,第六十一次。
……男孩一次又一次的向女孩传呼,一次又一次的给女孩注入生命的活力;一次又一次的把女孩的生存信念从崩溃的边缘拉回来……
度过了漫长的四个昼夜,女孩获救了。当他看到男孩惨白的脸,火一样的眼睛,一下子明白了世间最为珍贵的就是爱。女孩在担架上轻轻的拉着男孩的手,柔柔的说:'我是你今生的新娘'。
我活着是让你好好爱我!!!
Saturday, February 07, 2009
What Love means to a 4 - 8 year old
The answers they got were broader and deeper than anyone could have imagined See what you think:
________________________________
'When my grandmother got arthritis, she couldn't bend over and paint her toenails anymore.
So my grandfather does it for her all the time, even when his hands got arthritis too. That's love.'
Rebecca- age 8
________________________________
'When someone loves you, the way they say your name is different.
You just know that your name is safe in their mouth.'
Billy - age 4
________________________________
'Love is when a girl puts on perfume and a boy puts on shaving cologne and they go out and smell each other.'
Karl - age 5
________________________________
'Love is when you go out to eat and give somebody most of your French fries without making them give you any of theirs.'
Chrissy - age 6
________________________________
'Love is what makes you smile when you're tired.'
Terri - age 4
________________________________
'Love is when my mommy makes coffee for my daddy and she takes a sip before giving it to him, to make sure the taste is OK.'
Danny - age 7
________________________________
'Love is when you kiss all the time. Then when you get tired of kissing, you still want to be together and you talk more.
My Mommy and Daddy are like that. They look gross when they kiss'
Emily - age 8
________________________________
'Love is what's in the room with you at Christmas if you stop opening presents and listen.'
Bobby - age 7 (Wow!)
________________________________
'If you want to learn to love better, you should start with a friend who you hate,'
Nikka - age 6
(we need a few million more Nikka's on this planet)
________________________________
'Love is when you tell a guy you like his shirt, then he wears it everyday.'
Noelle - age 7
________________________________
'Love is like a little old woman and a little old man who are still friends even after they know each other so well.'
Tommy - age 6
________________________________
'During my piano recital, I was on a stage and I was scared. I looked at all the people watching me and saw my daddy waving and smiling.
He was the only one doing that. I wasn't scared anymore..'
Cindy - age 8
________________________________
'My mommy loves me more than anybody
You don't see anyone else kissing me to sleep at night.'
Clare - age 6
________________________________
'Love is when Mommy gives Daddy the best piece of chicken.'
Elaine-age 5
________________________________
'Love is when Mommy sees Daddy smelly and sweaty and still says he is handsomer than Robert Redford.'
Chris - age 7
________________________________
'Love is when your puppy licks your face even after you left him alone all day.'
Mary Ann - age 4
________________________________
'I know my older sister loves me because she gives me all her old clothes and has to go out and buy new ones.'
Lauren - age 4
________________________________
'When you love somebody, your eyelashes go up and down and little stars come out of you.' (what an image)
Karen - age 7
________________________________
'Love is when Mommy sees Daddy on the toilet and she doesn't think it's gross.'
Mark - age 6
________________________________
'You really shouldn't say 'I love you' unless you mean it. But if you mean it, you should say it a lot. People forget.'
Jessica - age 8
________________________________
And the final one
The winner was a four year old child whose next door neighbor was an elderly gentleman who had recently lost his wife.
Upon seeing the man cry, the little boy went into the old gentleman's yard, climbed onto his lap, and just sat there.
When his Mother asked what he had said to the neighbor, the little boy said,
'Nothing, I just helped him cry'
________________________________
When there is nothing left but God, that is when you find out that God is all you need. Take 60 seconds and give this a shot! All you do is simply say the following small prayer for the person who sent you this.
Heavenly Father, please bless all my friends in whatever it is that You know they may be needing this day! And may their life be full of Your peace, prosperity and power as he/she seeks to have a closer relationship with You. Amen.
_______________________________
Monday, February 02, 2009
緣 願和你一起分享
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A Brilliant conversation
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Friday, January 23, 2009
Hold my hand

The father was kind of scared so he asked his little daughter,
"Sweetheart, please hold my hand so that you don't fall into the river."
The little girl said, "No, Dad. You hold my hand."
'What's the difference?' Asked the puzzled father.
'There's a big difference,' replied the little girl.
'If I hold your hand and something happens to me,
chances are that I may let your hand go.
But if you hold my hand, I know for sure that no matter what happens,
you will never let my hand go.'
In any relationship, the essence of trust is not in its bind, but in its bond.
So hold the hand of the person who loves you rather than expecting him/her to hold yours...
This message is short....... but carries a lot of Feelings
Thursday, January 22, 2009
珍惜眼前人
恋爱,是人们必经之道路。 在爱情的领域里,迁就与付出同等的重要。两人本来都是不
咱们活着,就是要往前看, 感情也是一样。如果一直为了过去的争吵耿耿于怀,那要怎
在爱情的国度里,争吵与闹意见一定少不了。别让那小小的
感情,是两个人的事。少了沟通、少了了解, 一点儿也不可能会继续下去。两方面都要学着和鼓励对方把
往往就在一起时而忘了明白此道理,易说难做!
Monday, January 19, 2009
愈吃愈瘦的15種食物
除了含有豐富的維他命A、B1及B2,最重要的就是它蘊含豐富纖維素及礦物質,可以幫助排走身體內之廢物及積聚的水分,從而收瘦腿之效。
2.芝麻
它的「亞麻仁油酸」可以去除附在血管內的膽固醇,令新陳代謝更好,減肥收腿就輕鬆得多。
3.香蕉
雖然卡路里很高,但脂肪卻很低,而且含有豐富鉀,又飽肚又低脂,可減少脂肪在下身積聚,是減肥時候的理想食品。
4.蘋果
蘋果含獨有的蘋果酸,可以加速代謝,減少下身的脂肪,而且它含的鈣量比其他水果豐富,可減少令人下身水腫的鹽分。
5.紅豆
紅豆所含的石鹼酸成分可以增加大腸的蠕動,促進排尿及減少便秘,從而清除下身脂肪。
6.木瓜
它有獨特的蛋白分解酵素,可以清除因吃肉類而積聚在下身的脂肪,而且木瓜肉所含的果膠更是優良的洗腸劑,可減少廢物在下身積聚。
7.西瓜
它是生果中的利尿專家,多吃可減少留在身體中的多餘水分,而且本身的糖分也不多,多吃也不會致肥。
8.蛋
蛋內的維他命B2有助去除脂肪,除此之外,它蘊含的菸鹼酸及維他命B1可以去除下半身的肥肉。
9.西柚
大家早早便知西柚卡路里極低,多吃也不會肥,但原來它亦含豐富鉀質,有助減少下半身的脂肪和水分積聚。
10.蒟蒻
完全不含脂肪又美味,說到底也是減肥必食之物,原來它的豐富植物纖維更可以使下身的淋巴暢通,防止腿部腫得鬆泡泡。
11..菠菜
因為它可以促進血液循環,這樣就可以令距離心臟最遠的一雙腿,都吸收到足夠養分,平衡新陳代謝,排毒瘦腿的效果。
12.西芹
西芹一方面含有大量的鈣質,可以補「腳骨力」,另一方面亦含有鉀,可減少下半身的水分積聚。
13.花生
含有極豐富的維他命B2和菸鹼酸,一方面帶來優質蛋白質,長肉不長脂,其次亦可以消下身脂肪肥肉。
14.奇異果
除了維他命C是它的強項外,原來其纖維亦十分豐富,可以增加分解脂肪的速度,避免腿部積聚過多的脂肪。
15.番茄
吃新鮮的番茄可以利尿及去除腿部疲憊,減少水腫的問題,如果是生吃的話,效果就更好。
Thursday, January 15, 2009
所謂的曾經,就是幸福...
卓新勇的母親,悄手悄腳提著一個便當在校門口。被我一喊,她露出不好意思的表情。
「老師啊!...」
「哎呀!我不是跟妳講了嗎?學校不喜歡家長替孩子送便當。如果每個媽媽都像妳這樣,學校大門就擠滿了人,那樣,我們怎麼放學呢?」
「我知道!我知道!」哼!知道了還送,簡直是明知故犯。
「妳不會讓他自己帶便當嗎!」
「我知道!我知道!」這些話,不曉得說了幾次。每次一到中午,送便當的家長和放學的一年級小朋友,常常相撞在一起,造成相當的困擾。
卓新勇是一位沈默寡言,乖巧內向的孩子。
有次上課,他竟然打瞌睡,我很訝異,把他叫起來。
「怎麼了?」他一臉迷惘站起來,不回答。
第二天上課,也是這樣,我實在受不了,狠狠地把他叫過來。
「你到底怎麼了?」
我已經氣得半死,口氣已經控制不住。
突然,他垂頭淌下淚水。我暗自一驚。
「說呀!到底為什麼上課要打瞌睡呢?」
我媽媽住院了!昨天一直在醫院陪她。」
我一聽愣住了,頓時,心中的怒氣消失了,代之而起的是無限慚愧,「她為什麼住院呢?」
「是肺癌!」我一聽,心都涼到腳底。
心中想到身體贏弱的卓新勇。
如果,不幸那天來臨,他將如何繼續往後漫長的歲月呢?
想到這兒,不禁鼻酸。吃飯時,妻子在餵兒子吃飯,
我不禁想起,以前卓新勇的母親偷偷摸摸替他送便當。
第二天下班後,我騎著機車到醫院探望他母親。
幾個禮拜沒見,卓新勇的母親瘦得不成人形,蒼白的臉,光禿的頭,簡直不敢相信就是她。
她看到我,顯得很驚訝,努力想站起來,但是,一咳嗽,整個人歪了一邊。
「不要站起來!不要站起來!」
「老師!謝﹍﹍謝謝你!」她吃力喊著,眼眶消出淚水。
在醫院的走廊,卓新勇的父親對我說:「只剩下兩個月了!嗚!我﹍真的不知要怎麼辦?」他老淚縱橫。
回到學校,報告校長。
「他爸爸已經六十多歲了,現在母親又將離開人間,是不是我們可以發動全校募款。不管多少,都可以幫助他。」校長爽快答應。
經過幾天募款活動,我們總算募到五萬二千一百二十元。把錢送到醫院時,卓新勇的母親已經在昏迷中。
「我們準備今天送他回家!」卓新勇的父親,臉形憔悴得發白。我一聽,心頭抽搐一陣。
「老師!能不能幫個忙?」
「請說!我能夠做到的,我一定答應。」
「他前幾天,一直拉著卓新勇的手,喊著:媽媽不能再替你送便當了!我想,請老師再讓她送最後一次便當,只有送便當時,他才真正感受到一位為人母親的榮耀。」
聽到這兒,我百感交集地點點頭。
中午,一輛救護車呼拉拉開到學校大門口。
卓親勇的父親和一名醫護人員,推著擔架上的人。
我淚水盈眶,站在旁邊,伴當交通導護老師。
「到了!到了!」卓新勇的父親買了一個便當,躺在擔架上的卓新勇的母親,伸出瘦細蒼白的手提著便當,在旁邊人員推送下,慢慢靠近大門口的鐵門。
在鐵門的另一邊,卓新勇伸出右手,接過母親的便當。
「媽!」卓新勇嚎啕大哭。
這時,我清楚見到她母親瘦削的臉頰,抽搐了一下,彷彿想說話,但是,又說不出來。
「媽!我不要!我不要妳走!」卓新勇呼天搶地叫著。
我的淚水,再也控制不住,嘩嘩而落。我暗恨自己,以前是多麼殘忍!
隔天,卓新勇的母親就去世了。
卓新勇的母親出殯後。 一天,卓新勇的父親來到我辦公室,遞給我一包牛皮紙。老師!這是你和學生們幫助我的錢,我認為還有更多的學生,需要這筆錢,所以,還給你們。謝謝你熱心幫忙。」說完,錢一放,就掉頭離去。
這筆錢彷彿生熱似的,直燙著我心坎。
我天天找卓新勇聊天話家常。深怕他經不起喪母的打擊。
「老師!你放心!我很好!你不要一直替我擔心!」
卓新勇對我說「我很早就知道,我母親就要死了,我也不是不想聽你話,叫媽媽不要送便當。因為,一天當中,只有中午,我才能吃到我媽媽煮的飯。」
我心頭一凜,「為什麼呢?」
她很虛弱,家裡都是爸爸在煮飯。只有中午爸爸不在,她才能偷偷背著爸爸煮飯。是她堅持要送便當的。」說完,卓新勇淌出淚水。
很感人吧!我看到一半就忍不住眼淚就掉下來了!
各位~趁著父母健在的時候,好好的孝順他們喔!
不然........將來後悔也就來不及了!
一直以為幸福在遠方,在可以追逐的未來。
我的雙眼保持著眺望,我的雙耳仔細聆聽,唯恐疏忽錯過。
後來才發現---那些握過的手,唱過的歌,流過的淚,愛過的人......
所謂的曾經,就是幸福....
Wednesday, January 07, 2009
Something To Ponder Over
A man sat at a metro station in Washington DC and started to play the
violin; it was a cold January morning. He played six Bach pieces for
about 45 minutes. During that time, since it was rush hour, it was
calculated that thousand of people went through the station, most of
them on their way to work.
Three minutes went by and a middle aged man noticed there was musician
playing. He slowed his pace and stopped for a few seconds and then
hurried up to meet his schedule.
A minute later, the violinist received his first dollar tip: a woman
threw the money in the till and without stopping continued to walk.
A few minutes later, someone leaned against the wall to listen to him,
but the man looked at his watch and started to walk again. Clearly he
was late for work.
The one who paid the most attention was a 3 year old boy. His mother
tagged him along, hurried but the kid stopped to look at the
violinist. Finally the mother pushed hard and the child continued to
walk turning his head all the time. This action was repeated by
several other children. All the parents, without exception, forced
them to move on.
In the 45 minutes the musician played, only 6 people stopped and
stayed for a while. About 20 gave him money but continued to walk
their normal pace. He collected $32. When he finished playing and
silence took over, no one noticed it. No one applauded, nor was there
any recognition.
No one knew this but the violinist was Joshua Bell, one of the best
musicians in the world. He played one of the most intricate pieces
ever written with a violin worth 3.5 million dollars.
Two days before his playing in the subway, Joshua Bell sold out at a
theater in Boston and the seats average $100.
This is a real story. Joshua Bell playing incognito in the metro
station was organized by the Washington Post as part of an social
experiment about perception, taste and priorities of people. The
outlines were: in a commonplace environment at an inappropriate hour:
Do we perceive beauty? Do we stop to appreciate it? Do we recognize
the talent in an unexpected context?
One of the possible conclusions from this experience could be:
If we do not have a moment to stop and listen to one of the best
musicians in the world playing the best music ever written, how many
other things are we missing?
Compliments of the season!
