Singapore Stock Market Discussion

"To me, it's obvious that the winner has to bet very selectively. It's been obvious to me since very early in life. I don't know why it's not obvious to very many other people."

- Charlie Munger

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

... including me... hehehehe.... han tum ahhh !

"We ignore outlooks and forecasts... we're lousy at it and we admit it... everyone else is lousy too, but most people won't admit it." - Marty Whitman

"Thousands of experts study overbought indicators, oversold indicators, head-and-shoulder patterns, put-call ratios, the Fed's policy on money supply, foreign investment, the movement of the constellations through the heavens, and the moss on oak trees, and they can't predict markets with any useful consistency, any more than the gizzard squeezers could tell the Roman emperors when the Huns would attack."

- Peter Lynch

"Forecasts may tell you a great deal about the forecaster, they tell you nothing about the future" - Warren Buffett

"Guesses - just so we're clear - are merely expressions of prejudice." - Michael Chrichton

"Economists make predictions because they're asked, not because they know." - John K. Galbraith

One of my all time fav quotes... one of the inspiration to me as to why I do not try to predict the economy or the volatile stock market.

"I don't read economic forecasts. I don't read the funny papers."
- Warren Buffett

"I've found that luck is quite predictable. If you want more luck, take more chances. Be more active. Show up more often."

-- Brian Tracy, Author

"You can do so much in 10 minutes time. Ten minutes, once gone, are gone for good. Divide your life into 10-minute units and sacrifice as few of them as possible in meaningless activity."

-- Ingvar Kamprad, Founder of the furniture brand IKEA

Email to me... food for thoughts.

************

ONE PARAGRAPH THAT EXPLAINS LIFE!
>
> Arthur Ashe, the legendary Wimbledon player was
> dying of AIDS which he
> got due to infected blood he received during a heart
> surgery in 1983.
>
> From world over, he received letters from his fans,
> one of which
> conveyed: "Why does GOD have to select you for such
> a bad disease"?
>
> To this Arthur Ashe replied: "The world over -- 50
> million children
> start playing tennis, 5 million learn to play
> tennis, 500,000 learn
> professional tennis, 50,000 come to the circuit,
> 5000 reach the grand
> slam, 50 reach Wimbledon, 4 to semi final, 2 to the
> finals, when I was
> holding a cup I never asked GOD 'Why me?'.
>
> And today in pain I should not be asking GOD 'Why
> me? "

"Think you can, think you can't; either way, you'll be right."

-- Henry Ford, Industrialist

"Don't let yesterday take up too much of today."
-- Will Rogers, humorist

"It has been my philosophy of life that difficulties vanish when faced boldly."

-- Isaac Asimov, author

"Either do or do not; there is no try."

-- George Lucas, movie director

"Give me a stock clerk with a goal and I'll give you a man who will make history. Give me a man with no goals and I'll give you a stock clerk."

-- J.C. Penney, businessman

* "You only have to do a very few things right in your life so long as you don't do too many things wrong."

--Warren E. Buffett

* "Half of life is luck; the other half is discipline—-and that's the important half, for without discipline you wouldn't know what to do with luck."

--Carl Zuckmayer

8 Money Secrets From Warren Buffett

http://www.4evayoung.com/8-money-secret ... n-buffett/

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

1. Rich Is A State Of Mind

“I always knew I was going to be rich. I don’t think I ever doubted it for a minute.â€

"It doesn't matter where you are coming from. All that matters is where you are going."

-- Brian Tracy, Author

"If you're not failing every now and again, it's a sign you're not doing anything very innovative. "

-- Woody Allen, director

Bar Stool Economics

Suppose that every day, ten men go out for beer and the bill for all ten
comes to $100. If they paid their bill the way we pay our taxes, it would
go something like this:
The first four men (the poorest) would pay nothing.
The fifth would pay $1.
The sixth would pay $3.
The seventh would pay $7.
The eighth would pay $12.
The ninth would pay $18.
The tenth man (the richest) would pay $59.

So, that's what they decided to do.

The ten men drank in the bar every day and seemed quite happy with the
arrangement, until one day, the owner threw them a curve. "Since you are
all such good customers," he said, "I'm going to reduce the cost of your
daily beer by $20." Drinks for the ten now cost just $80.
The group still wanted to pay their bill the way we pay our taxes so the
first four men were unaffected. They would still drink for free. But what
about the other six men - the paying customers? How could they divide the
$20 windfall so that everyone would get his 'fair share?' They realized
that $20 divided by six is $3.33. But if they subtracted that from
everybody's share, then the fifth man and the sixth man would each end up
being paid to drink his beer. So, the bar owner suggested that it would be
fair to reduce each man's bill by roughly the same amount, and he
proceeded to work out the amounts each should pay.

And so:
The fifth man, like the first four, now paid nothing (100% savings).
The sixth now paid $2 instead of $3 (33%savings).
The seventh now pay $5 instead of $7 (28%savings).
The eighth now paid $9 instead of $12 (25% savings).
The ninth now paid $14 instead of $18 (22% savings).
The tenth now paid $49 instead of $59 (16% savings).

Each of the six was better off than before. And the first four continued
to drink for free. But once outside the restaurant, the men began to
compare their savings.

"I only got a dollar out of the $20,"declared the sixth man. He pointed to
the tenth man," but he got $10!" "Yeah, that's right," exclaimed the fifth
man. "I only saved a dollar, too. It's unfair that he got ten times more
than I!" "That's true!!" shouted the seventh man. "Why should he get $10
back when I got only two? The wealthy get all the breaks!" "Wait a
minute," yelled the first four men in unison. "We didn't get anything at
all. The system exploits the poor!"

The nine men surrounded the tenth and beat him up.

The next night the tenth man didn't show up for drinks, so the nine sat
down and had beers without him. But when it came time to pay the bill,
they discovered something important. They didn't have enough money between
all of them for even half of the bill!

And that, ladies and gentlemen, journalists and college professors, is how
our tax system works. The people who pay the highest taxes get the most
benefit from a tax reduction. Tax them too much, attack them for being
wealthy, and they just may not show up anymore. In fact, they might start
drinking overseas where the atmosphere is somewhat friendlier.

David R. Kamerschen, Ph.D.
Professor of Economics, University of Georgia

For those who understand, no explanation is needed. For those who do not
understand, no explanation is possible.

remember this...

"Bull markets are born on pessimism, grow on scepticism, mature on optimism and die on euphoria"

Templeton

Do you agree? I am not sure if I agree 100% with this.......

=====

"Far better is it to dare mighty things, to win glorious triumphs, even
though checkered by failure than to rank with those poor spirits who
neither enjoy much nor suffer much, because they live in a gray twilight
that knows not victory nor defeat. "

-- Theodore Roosevelt, 26th U.S. President

"I learned that we can do anything, but we can't do everything.. at
least not at the same time. So think of your priorities not in terms of
what activities you do, but when you do them. Timing is everything."

-- Dan Millman, Author

"We should be taught not to wait for inspiration to start a thing.
Action always generates inspiration. Inspiration seldom generates
action."

-- Frank Tibolt, Author

Try to lose small .... and win big. You cant win all the time... if you can, you are a liar.

-------------

Remember the wise words of the venerable Richard Russell, editor of Dow Theory Letters: “In a bear market, the winner is he who loses the least!â€

"Chance favors the prepared mind."
-- Louis Pasteur, Chemist

“Ignore the market. Don’t even try to guess its direction. Buy quality stocks at undervalued prices, and just hold on until those values are recognized.â€

"Practice doesn't make perfect. Perfect practice makes perfect. "
-- Vince Lombardi, Football Coach

"My interest is in the future because I am going to spend the rest of my life there."
-- Charles Kettering, Social Philosopher

"If we did all the things we are capable of, we would literally astonish ourselves."
-- Thomas Edison, Inventor

What a difference a sad event in someone's
life makes.

GEORGE CARLIN (His wife recently died...)
Isn't it amazing that George Carlin - comedian
of the 70's and 80's - could write something so
very eloquent...and so very appropriate.

A Message by George Carlin:

The paradox of our time in history is that we
have taller buildings
but shorter tempers, wider Freeways ,but
narrower viewpoints. We spend more,
but have less, we buy more, but enjoy less.

We have bigger houses and smaller families,
more conveniences, but less time.
We have more degrees but less sense,
more knowledge, but less judgment,
more experts, yet more problems,
more medicine, but less wellness.

We drink too much, smoke too much, spend too
recklessly, laugh too little,
drive too fast, get too angry, stay up too late,
get up too tired, read too little,
watch TV too much, and pray too seldom.

We have multiplied our possessions, but
reduced our values. We talk too much,
love too seldom, and hate too often.
We 've learned how to make a living,
but not a life. We've added years
to life not life to years.

We've been all the way to the moon and
back, but have trouble crossing the street to
meet a new neighbor. We conquered outer
space but not inner space. We've done larger
things, but not better things.

We've cleaned up the air, but polluted the
soul. We've conquered the atom, but not our
prejudice. We write more, but learn less. We
plan more, but accomplish less.

We've learned to rush, but not to wait. We
build more computers to hold more information,
to produce more copies than ever, but we
communicate less and less.

These are the times of fast foods and slow
digestion, big men and small character,
steep profits and shallow relationships.
These are the days of two incomes but more
divorce, fancier houses, but broken homes.

These are days of quick trips, disposable
diapers, throwaway morality, one night stands,
overweight bodies, and pills that do
everything from cheer, to quiet, to kill.

It is a time when there is much in the
showroom window and nothing in the stockroom.
A time when technology can bring this letter
to you, and a time when you can
choose either to share this insight, or to just
hit delete...

Remember; spend some time with your loved
ones, because they are not going to be around
forever.

Remember, say a kind word to someone who
looks up to you in awe,
because that little person soon will grow up
and leave your side.

Remember, to give a warm hug to the one next
to you, because that is
the only treasure you can give with your heart
and it doesn't cost a cent.

Remember, to say, "I love you" to your partner
and your loved ones,
but most of all mean it. A kiss and an embrace
will mend hurt when it
comes from deep inside of you.

Remember to hold hands and cherish the
moment for someday that person
will not be there again.

Give time to love, give time to speak! And give
time to share the
precious thoughts in your mind.

AND ALWAYS REMEMBER:
Life is not measured by the number of breaths
we take, but by the
moments that take our breath away.
If you don't send this to at least 8
people....Who cares?

George Carlin

Quite a good read.

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

What Makes People Successful
by Dr Alka Prakash


HAVE you often wondered: What drives successful people?

Take a look around and talk to your friends and seniors who are very successful. You will see some commonalties in their behavioural patterns, though they belong to quite diverse fields.

All of them have adopted certain values which have proved vital for their success.

They take initiative

It is evident that successful people take initiative. When they find that something needs to be done, they just do it, instead of waiting around for someone to tell them what to do.

They believe that responsibility is taken, not given. They size up immediately what has to be done, sooner or later, and do it with pleasure, thus enhancing their reputation.

They are self-motivated

Successful people are passionate about the things that they do, especially when they believe in what they are doing.

They are motivated by their own satisfaction and the joy that they get from doing their work, rather than an extrinsic reward.

They work hard even when no one is watching and they throw themselves into their assignments. Having “fire in the belly” is a prerequisite for success.

They do not fear failure

Alexander Graham Bell, inventor of the telephone, once said: “When one door closes, another opens but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.”

Failures and disappointments in life are inevitable. It is the failure that teaches us much more than the success, and successful people know the lesson so well.

They pick themselves up after a fall and try again with more determination and commitment, capitalising on the lessons learned from each failure. They associate with those they can learn from and enjoy the company of those who appreciate their achievement.

They give respect to others

Daniel Goleman wrote about the importance of emotional intelligence and described successful people as those with high emotional intelligence quotient (EQ), and not just high intelligence quotient (IQ).

Having good IQ often gets a person what he wants but it is really the EQ that keeps him there and helps him flourish.

People who are successful are polite to everyone and treat others with respect. As respect is mutual, by giving respect to others, they command respect for themselves.

They never complain

Another important attribute of successful persons is that they never complain. They sincerely believe in the saying that complaints will always discredit you.

Complaints provoke insolence and encourage others to behave like those we complain about. It is better to praise others and win favour with them.

So instead of complaining about a situation, successful people always find ways to deal with it. In a nutshell, take initiative in doing things and be passionate about them.

Do not be afraid to fail, get up and start again graciously. When you do so, success will come to you.

Extracted from : http://www.jobsdb.com.sg/SG/EN/v6HTML/A ... 99/199.htm

About the Author
Article by Dr Alka Prakash, an author and educator specialising in life skills. She coaches in effective conversation and communication skills. E-mail: prem.prakash@pacific.net.sg

"I will study and prepare, and someday my opportunity will come."
-- Abraham Lincoln, 16th President of the United States

Stock Market Definitions

Bull market: a random market movement causing an investor to mistake himself for a financial genius.

Bear market: a six- to eight-month period when the kids get no allowance, the wife gets no jewellery and the husband gets no PLS GET OUT OF HERE.

Momentum investing: the fine art of buying high and selling low.

Value investing: the art of buying low and selling lower.

P/E ratio: the percentage of investors wetting their pants as the market keeps crashing.

Broker: poorer than you were last year.

Buy, Buy: a flight attendant making market recommendations as you step off the plane.

Standard and Poor (S&P): your life in a nutshell.

Stock analyst: idiot who just downgraded your stock.

Stock split: when your former wife and her lawyer split all your assets equally between themselves.

Market correction: the day after you buy stocks.

Cash flow: the movement your money makes as it disappears down the toilet.

Institutional investor: past year investor who is now locked up in a nut house.

EBITDA : earnings before I tricked the dumb auditor.

EBIT: earnings before irregularities and tampering.

CEO: chief embezzlement officer.

CFO: chief fraud officer.

EPS: eventual prison sentence

I ve strong belief in this... priority for me is Family is No.1.... all else can wait.

"Of course you want to be rich and famous. It's natural. Wealth and fame are what every man desires. The question is: What are you willing to trade for it?"

-- Confucius, Philosopher

"Individuals who cannot master their emotions are ill-suited to profit from the investment process." - Benjamin Graham

An old Russian proverb says: “Ignore the past and
you will lose an eye; dwell on the past and you will
lose both”.

If you apply to TA... then maybe dun try to be too much of an expert or a believer in TA? Hehehe...

Very applicable to stock market investing.

Key word to me is " before they become obvious. "

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

"The future belongs to those who see possibilities before they become obvious. "
-- John Sculley, Former CEO of Apple

"People never improve unless they look to some standard or example higher and better than themselves. "
-- Tyron Edwards, American Theologian

I remember Brian Tracy once said that our wealth is the average of the 10 people that we spend most of our time with? If everybody does this, I probably got no friends liao... hehehe.

John Templeton died yesterday at the age of 95.

Quite from BT Today... quite inspiring to me (coz I have also a lot of stocks in that below $1 category, hehehe)

"Mr Templeton's knack for investing was evident as early as 1939, when, at the start of World War II, he borrowed money to buy 100 shares each in 104 companies that sold for US$1 per share or less, including 34 companies that were in bankruptcy.

According to the foundation's website, only four of those 100 turned out to be worthless, and Mr Templeton made large profits on the others after holding each for an average of four years. In 1999, Money magazine called him 'arguably the greatest global stock picker of the century'.

"Luck is a dividend of sweat. The more you sweat, the luckier you get"
-- Ray Kroc, Executive

Fren SMS me this... will check if he wrote this... or he quoted from somewhere else.

Sometimes the best trades are not the winning ones that put money in your pocket; sometimes they are the ones that get you out of the market at the right time.

Annboy wrote:Sometimes the best trades are not the winning ones that put money in your pocket; sometimes they are the ones that get you out of the market at the right time.

Looks like I have made a bad trade. Still on one of the S chip in heavy proportion in today's melt down.

"The recipe for perpetual ignorance is: Be satisfied with your opinions and content with your knowledge."
-- Elbert Hubbard

Good food for thoughts... from the wise one.

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

"Holding on to anger is like grasping a hot coal with the intent of throwing it at someone else; you are the one who gets burned." -- Buddha

"Go to hell, shit Yankees, we are a dignified people, go to hell a hundred times,"

Hugo Chavez

"I do not think I am the best coach in the world, but I also don't believe there is anyone in the world who is better than me."

Jose Mourinho

This is good.

"I learned that we can do anything, but we can't do everything.. at least not at the same time. So think of your priorities not in terms of what activities you do, but when you do them. Timing is everything."
-- Dan Millman, Author

"At times he feels euphoric and can see only the favourable
factors affecting the business. At other times he is depressed
and can see nothing but trouble ahead for both the business
and the world."

Warren Buffet on Mr. Market
Berkshire Hathaway Annual Report 1987

This is good... read it.

Author: Stephen Covey
Discover the 90/10 Principle.

It will change your life (at least the way you react to situations).

What is this principle? 10% of life is made up of what happens to you. 90% of life is decided by how you react.

What does this mean? We really have no control over 10% of what happens to us.

We cannot stop the car from breaking down. The plane will be late arriving, which throws our whole schedule off. A driver may cut us off in traffic.

We have no control over this 10%. The other 90% is different. You determine the other 90%.

How? ……….By your reaction.

You cannot control a red light. but you can control your reaction. Don't let people fool you; YOU can control how you react.
Let's use an example.

You are eating breakfast with your family. Your daughter knocks over a cup of coffee onto your business shirt. You have no control over what just happened.

What happens next will be determined by how you react.

You curse.

You harshly scold your daughter for knocking the cup over. She breaks down in tears. After scolding her, you turn to your spouse and criticize her for placing the cup too close to the edge of the table. A short verbal battle follows. You storm upstairs and change your shirt. Back downstairs, you find your daughter has been too busy crying to finish breakfast and get ready for school. She misses the bus.

Your spouse must leave immediately for work. You rush to the car and drive your daughter to school. Because you are late, you drive 40 miles an hour in a 30 mph speed limit.

After a 15-minute delay and throwing $60 traffic fine away, you arrive at school. Your daughter runs into the building without saying goodbye. After arriving at the office 20 minutes late, you find you forgot your briefcase. Your day has started terrible. As it continues, it seems to get worse and worse. You look forward to coming home.

When you arrive home, you find small wedge in your relationship with your spouse and daughter.

Why? …. Because of how you reacted in the morning.

Why did you have a bad day?
A) Did the coffee cause it?
B) Did your daughter cause it?
C) Did the policeman cause it?
D) Did you cause it?
The answer is “D".

You had no control over what happened with the coffee. How you reacted in those 5 seconds is what caused your bad day.

Here is what could have and should have happened.

Coffee splashes over you. Your daughter is about to cry. You gently say, "Its ok honey, you just need to be more careful next time". Grabbing a towel you rush upstairs. After grabbing a new shirt and your briefcase, you come back down in time to look through the window and see your child getting on the bus. She turns and waves. You arrive 5 minutes early and cheerfully greet the staff. Your boss comments on how good the day you are having.

Notice the difference?

Two different scenarios. Both started the same. Both ended different.
Why?
Because of how you REACTED.

You really do not have any control over 10% of what happens. The other 90% was determined by your reaction.

Here are some ways to apply the 90/10 principle. If someone says something negative about you, don't be a sponge. Let the attack roll off like water on glass. You don't have to let the negative comment affect you!

React properly and it will not ruin your day. A wrong reaction could result in losing a friend, being fired, getting stressed out etc.

How do you react if someone cuts you off in traffic? Do you lose your temper? Pound on the steering wheel? A friend of mine had the steering wheel fall off) Do you curse? Does your blood pressure skyrocket? Do you try and bump them?

WHO CARES if you arrive ten seconds later at work? Why let the cars ruin your drive?

Remember the 90/10 principle, and do not worry about it.

You are told you lost your job.

Why lose sleep and get irritated? It will work out. Use your worrying energy and time into finding another job.

The plane is late; it is going to mangle your schedule for the day. Why take outpour frustration on the flight attendant? She has no control over what is going on.

Use your time to study, get to know the other passenger. Why get stressed out? It will just make things worse.
Now you know the 90-10 principle. Apply it and you will be amazed at the results. You will lose nothing if you try it. The 90-10 principle is incredible. Very few know and apply this principle.

The result?
Millions of people are suffering from undeserved stress, trials, problems and heartache. We all must understand and apply the 90/10 principle.
It CAN change your life!!!
Enjoy….

Bill Gates recently gave a speech at a High School about 11 things they did not and will not learn in school. He talks about how feel-good, politically correct teachings created a generation of kids with no concept of reality and how this concept set them up for failure in the real world.

Rule 1: Life is not fair - get used to it!

Rule 2 :The world won't care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.

Rule 3 : You will NOT make $60,000 a year right out of high school. You won't be a vice-president with a car phone until you earn both.

Rule 4 : If you think your teacher is tough, wait till you get a boss.

Rule 5 : Flipping burgers is not beneath your dignity. Your Grandparents had a different word for burger flipping: they called it opportunity.

Rule 6: If you mess up, it's not your parents' fault, so don't whine about your mistakes, learn from them.

Rule 7: Before you were born, your parents weren't as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parents' generation, try delousing the closet in your own room..

Rule 8: Your school may have done away with winners and losers, but life HAS NOT. In some schools, they have abolished failing grades and they'll give you as MANY TIMES as you want to get the right answer. This doesn't bear the slightest resemblance to ANYTHING in real life.

Rule 9: Life is not divided into semesters. You don't get summers off and very few employers are interested in helping you FIND YOURSELF. Do that on your own time..

Rule 10: Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.

Rule 11: Be nice to nerds. Chances are you'll end up working for one.

"If you wait for the robins, spring will be over."
-- Warren Buffett, October 17, 2008

"One should never permit speculative ventures to run into investments. Don't become an Involuntary Investor."

Investors often take tremendous losses for no other reason than that their
stocks are bought and paid for. How often have we all heard an investor
say: “I don’t have to worry about fluctuations or margin calls. I never speculate
in the market. When I buy stocks, I buy them for an investment, and
if they go down, eventually they will come back.”

But unhappily for such investors, many stocks bought at a time when
they were deemed good investments have later met with drastically
changed conditions. These such so-called investment stocks frequently
become purely speculative. Some go out of existence altogether. The original
investment evaporates into thin air along with the investor’s capital.
This is due to the failure to realize that so-called investments may be
called upon in the future to face a new set of conditions that would jeopardize
the earning capacity of the stock, which was originally bought for a
permanent investment.

By the time the investor learns of this changed situation, the value
of his investment has most likely already greatly depreciated. The stock
market moves in future time, not present time. Therefore, the so-called
investor must guard his capital account, just as the successful trader
does in his speculative ventures. Then, those who like to call themselves
investors will not be forced to become unwilling investors—nor
will trust fund accounts and mutual funds accounts depreciate so much
in their value.

-- Jesse Livermore

"You miss 100% of the shots you never take."
-- Wayne Gretzky, Hockey Great


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

Not applicable to trading hor....

In 100 years, it won't matter what house you lived in, what car you drove, or even what your clothes looked like. What will matter is that you made a difference in the life of a child. - Dr. Forest E. Witcraft

"Chance favors those in motion."
-- James H. Austin, Professor of Neurology and Author

How true!

"Until we can manage time, we can manage nothing else."
-- Peter F. Drucker, Author and Management Expert

"History is a myth agreed upon." Napoleon Bonaparte.

"The past isn't dead; it isn't even past." William Faulkner.

"No two historians ever agree on what happened, and the damn thing is they both think they're telling the truth." Harry S. Truman.

"Anybody who criticizes another persons religion, criticizes their own faith"

Ajahn Brahm

“It never was my thinking that made the big money for me. It always was my sitting. Got that? My sitting tight! It is no trick at all to be right on the market. You always find lots of early bulls in bull markets and early bears in bear markets. I've known many men who were right at exactly the right time, and began buying or selling stocks when prices were at the very level which should show the greatest profit. And their experience invariably matched mine - that is, they made no real money out of it. Men who can both be right and sit tight are uncommon.” – Legendary speculator Jesse Livermore, “Reminiscences of a Stock Operator” by Edwin Lefevre, 1923

Good one.

"There is no such thing as natural touch. Touch is something you create by hitting millions of golf balls."
-- Lee Trevino, golfer

Buddhist wisdom: If a problem can be solved, there is nothing to worry about. If it can't be solved, worrying will do no good.
Source: Movie "Seven Years in Tibet"

Also check this out: http://www.thubtenchodron.org/DealingWi ... worry.html by Venerable Thubten Chodron
Good Q&A too.

If a poet knows more about a horse than he does about heaven,
he might better stick to the horse… the horse might carry him to heaven.

Charles Ives

Mother Teresa
"Life is an opportunity, benefit from it.
Life is beauty, admire it.
Life is a dream, realize it.
Life is a challenge, meet it.
Life is a duty, complete it.
Life is a game, play it.
Life is a promise, fulfill it.
Life is sorrow, overcome it.
Life is a song, sing it.
Life is a struggle, accept it.
Life is a tragedy, confront it.
Life is an adventure, dare it.
Life is luck, make it.
Life is too precious, do not destroy it.
Life is life, fight for it."
— Mother Teresa

"The difference between genius and stupidity is; genius has its limits."
— Albert Einstein

The bread which you do not eat is the bread of the hungry; the garment hanging in your wardrobe is the garment of him who is naked; the shoes that you do not wear are the shoes of the one who is barefoot; the money that you keep locked away is the money of the poor; and the acts of charity that you do not perform are so many injustices that you commit.

St. Basil

Sometimes, when I look at my children, I say to myself, 'Lillian, you
should have remained a virgin.'

- Lillian Carter (mother of Jimmy Carter)

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I had a rose named after me and I was very flattered. But I was not pleased
to read the description in the catalogue:
'No good in a bed, but fine against a wall.'

- Eleanor Roosevelt

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Last week, I stated this woman was the ugliest woman I had ever seen. I
have since been visited by her sister, and now wish to withdraw that
statement.

- Mark Twain

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The secret of a good sermon is to have a good beginning and a good ending;
and to have the two as close together as possible

- George Burns

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Santa Claus has the right idea. Visit people only once a year.

- Victor Borge

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Be careful about reading health books. You may die of a misprint.

- Mark Twain

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By all means, marry. If you get a good wife, you will become happy; if you
get a bad one, you will become a philosopher.
- Socrates

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I was married by a judge. I should have asked for a jury.

- Groucho Marx

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My wife has a slight impediment in her speech. Every now and then she stops
to breathe.

- Jimmy Durante

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I have never hated a man enough to give his diamonds back.

- Zsa Zsa Gabor

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Only Irish coffee provides in a single glass all four essential food
groups: alcohol, caffeine, sugar and fat.

- Alex Levine

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My luck is so bad that if I bought a cemetery, people would stop dying.

- Rodney Dangerfield

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Money can't buy you happiness ... But it does bring you a more pleasant
form of misery.

- Spike Milligan

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Until I was thirteen, I thought my name was SHUT UP .

- Joe Namath

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I don't feel old. I don't feel anything until noon. Then it is time for my
nap.

- Bob Hope

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I never drink water because of the disgusting things that fish do in it.

- W. C. Fields

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We could certainly slow the aging process down if it had to work its way
through Congress.

- Will Rogers

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Don't worry about avoiding temptation. As you grow older, it will avoid
you.

- Winston Churchill

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Maybe it is true that life begins at fifty .. But everything else starts to
wear out, fall out, or spread out.

- Phyllis Diller

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By the time a man is wise enough to watch his step, he is too old to go
anywhere.

- Billy Crystal

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And the cardiologist's diet: - If it tastes good spit it out.

When I have to
depend upon hope
in a trade, I get
out of it.

- - Jesse Livermore - ;

“ …to experience pain may not be a choice, but to suffer is a cognitive decision.”

“The easiest way I have found to humble myself back into a state of peaceful grace is through the act of gratitude.”

“When I am simply grateful, life is simply great!”

“Internal Verbal abuse is not acceptable behavior.”


dr. jill bolte taylor

20 Life Lessons A Wise Man Would Share

Commitment is what transforms a promise into reality. It is the words that speak boldly of your intentions. And the actions which speak louder than the words. It is making the time when there is none. Coming through time after time after time, year after year after year. Commitment is the stuff character is made of; the power to change the face of things. It is the daily triumph of integrity over skepticism. – Abraham Lincoln

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No One is Perfect. The quicker this is realized the faster you can get on with being excellent. Start every morning ready to fight harder than you did the day before and run further than you ever imagine.

Avoid over explaining yourself. Be confident with who you are.

Keep balance in your life. Write down what’s most important to you and show up. Sometimes we tend to do the things that are most important to us when it’s written down.

Play the hand you were dealt. Have the courage to face challenges head on it builds character. Start looking for a way through instead of a way out.

Be a student of life. Learn something new every day. The day you stop learning is the day you become obsolete so keep learning.

No Excuses. Stop making excuses replace them with ways to do better. Excuses are a waste of time and energy.

Let others know where you Stand. Be uncompromising and be up front when someone steps on your core values.

Never be afraid of a challenge. You put on your shoes like every other man. Now it comes down to who wants it more.

Service to others. Small, simple or important be a volunteer and give the very best of you.

Work like hell. Everyone has a job to do so do it. Cross every “T” and dot every “I”.

Discover You. Find your passion, life purpose, and take action.

Don’t take it Personal. Don’t be afraid to laugh at yourself self confidence shows that you’re comfortable in your own skin.

Manage your time. Our situation and environment is ever changing so be careful not to confuse the things that are urgent with the things that are important. Look for time wasters and eliminate them.

Ask for help. Life can be tough remember you never have to do it alone.
Do your homework. Know what you getting into before you start. Doing your homework reduces uncertainty and fear.

Day Dream Often. On the weekend when you are relaxing embrace a day dream. During the week take action to preserve your dreams.

Be A HERO. Cultivate a healthy dose of forgiveness and set someone free. Learn to forgive others and stop carrying those bags of hate, guilt or regret.

Stay One Step Ahead. Be proactive, Take the initiative, Brainstorm with the big picture in mind.

Self Love. Become your own priority. Strive to be the you, you want to be.

Finish what you started. Avoid the urge to stray.

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“Letting the cat out of the bag is a whole lot easier than putting it back in” – Doyle Brunson, poker professional

"The biggest cause of trouble in the world today is that the stupid people are so sure about things and the intelligent folks are so full of doubts."
- Bertrand Russell

The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.
—William Arthur Ward

If you don’t make mistakes, you’re not working on hard enough problems. And that’s a big mistake.
—Frank Wilczek

Do not confuse motion and progress. A rocking horse keeps moving but does not make any progress.
—Alfred A. Montapert

Do not confuse motion and progress. A rocking horse keeps moving but does not make any progress.
—Alfred A. Montapert

“A slip of the foot you may soon recover, but a slip of the tongue you may never get over.”

One of the symptoms of an approaching nervous breakdown is the belief that one's work is terribly important.
- Bertrand Russell

Balotelli: "When I score I don't celebrate, because I do my work. When the postman delivers your letters, does he celebrate?"