How Tze 浩知

Steve Jobs was not 'warm and fuzzy': biographer Jobs, despite being worth billions of dollars, lived in a modest house in Palo Alto and was determined not to let money change him. Jobs told Isaacson a lot of people had changed at Apple after becoming wealthy. "A few people went out and bought Rolls-Royces and they bought homes, and their wives got plastic surgery," Jobs said. "I saw these people who were really nice, simple people turn into these bizarro people," he said. "And I made a promise to myself. I said: ‘I’m not going to let this money ruin my life.’" http://www.ottawacitizen.com/story_print.html?id=5597108&sponsor= And here's a real world example to explain Precession Theory... Bill Gates to Students: I Didn't Dream About Being Super-Rich I think most people who have done well have just found something they're nuts about doing. Then they figure out a system to hire their friends to do it with them. It it's ...

Building A Strong Foundation: As at 2011, it seems the bank is on track as planned.

Corporate Journey Magazine online subscription service article on China Press:

This ads on 21st April 2008, The Edge Financial paper is additional info to Consumption Device, Digital Contents, and Online Campaign : 10 minutes between meeting. 12k made. not bad. Ads by Maxis and Blackberry.

Dear Occupy Wall Street, I completely understand your anger and commend you for having the courage to do something about it. Henry Ford, founder of Ford Motor Company  said nearly a century ago , " It is well that the people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning. " And that was before the government financial system really got good at stealing from and impoverishing us.  Today, if we all really had any idea as to what has been done to us by the system there’d be 6.8 billion people involved in these protests.   However, there is a very, very important piece of the puzzle that you have missed completely. In order to understand why, you have to realize one thing.  You have been brainwashed. Don’t feel too bad, we all have been. Thomas Pynchon said, " If they can get you asking the wrong questions, they don't have to worry about the answers. "...

For years, I've dedicated my life to mastering the global economic chess match, where the moves of yesterday and today will land us tomorrow. And trust me, it's no easy task. It entails knowing how the policies in America trickle into the stability or instability of the world. Below are some drafts and notes related to the education system (part of the cause), part of my findings on slavery in the 21st century. Though they are still scattered around, by connecting the dots, we shall be able to get a better picture in the near future. The temporary conclusion is: all things are well connected: 政经文教、 士农工商，环环相扣、息息相关. While the plantation system is still alive and well in the Information Age ( Slavery In The 21st Century? ), there seems to be an education trap in the real world to produce obedient skilled workforce to the ruling elite. As what G.Edward Griffin in The Creature from Jekyll Island pointed out on Rockefeller's General Education Board (founded in 1903): Tr...

Identity theft — mainly, fraudulent spending — has affected hundreds of millions of people, causing hundreds of billions in losses worldwide in the past decade. Today, though, your credit card number isn't the only target of hackers' keystrokes... What Do You Do Online? I bank with an online interest-bearing checking account. I use it to make utility, car, cable, and phone payments. It also contains my entire banking and ATM transaction history. I pay my mortgage through a separate online account. I have a brokerage account. I manage my insurance and health savings account (HSA). I have an individual retirement account (IRA). I have a credit card account. And of course, I have an email account, which doesn't forget anything and is a catch-all for correspondence from any person or business I interact with: orders, confirmation numbers, pictures, usernames, etc. The very fabric of my life — and yours, I'm sure — is sewn together with digital thread. It's...

If you have a problem, face it. Don't Facebook it.

If you are not part of the solution, you are part of the problem. A simple and straight forward message to bring up the awareness that taking care of environmental problems is everybody's responsibility. Dengue are transmitted by mosquitoes, clearing off the surroundings to prevent the growing of mosquitoes is a good way to prevent the cases. In the image above, steps such as eliminating pockets of stagnant water that serve as mosquito breeding sites at home, workplaces and their vicinity, not storing water in open containers, covering all water containers with lids - are carried out through a sharp community message image.

http://www.facebook.com/terimee OMG Paradise’s We Love Planking Asia Challenge OMG！帅哥美女爱扑街亚洲大挑战 http://www.12winfreebies.com/win-a-free-trip-with-omg-paradise-planking-asia-contest

Life is a game of time and money. A professional football game is made up of four fifteen-minute quarters and your working life is four ten-year quarters. The Game of Money Age Game Period 25 - 35 1st Quarter 35 - 45 2nd Quarter Retire Young Retire Rich! ------- Halftime ------- 45 - 55 3rd Quarter 55 - 65 4th Quarter ------- Overtime ------- Out of Time Will You Work Forever? People who did not have anything at the end of the fourth quarter may have to work for the rest of their lives, which may not be a bad thing as long as you are able to work . In fact, I believe working keeps us healthier and happier. I know because I retired at forty-seven and found it depressing ... which is why I keep working, even though I do not have to . ~ Robert Kiyosaki Do something you enjoy and you can work at for as long as you want to work at it. There will come a time when you will call an end to the working game and really want to retire and do not...

The example demonstrates the differences of how your money increases when invested in a mutual fund, a rental property, and a rental property where you borrow the appreciation every two years. Choices 1 and 2 are examples of people who park their money and choice 3 is an example of people that increase the velocity of their money. 20,000 Description Net Equity After 7 Years Average Annual Return on a $20,000 Investment Choice 1 Invest in a mutual fund that earns 5% a year $28,142 5.8% Choice 2 Invest $20,000 and borrow $180,000 from the bank for a $200,000 rental property and let your equity compound. Assume rental income only breaks even with expenses and the property appreciates at a rate of 5% a year $101,420 58.2% Choice 3 Invest $20,000 and borrow $180,000 from the bank for a $200,000 rental property . Rather than letting the equity compound, you borrow out...

The problem with this low-credit, low-risk environment: profits were slim, not just for banks but for retailers and the real estate industry. If people had to save up to buy a new item of clothing or an appliance, then the retailers were limited in how many gew-gaws they could sell. If people stayed put and didn't buy and sell their houses frequently, then developers, lenders and realtors had a very limited field of profit-making opportunities. If only people who qualified via stringent credit standards had access to credit, then the transactionf ees and interest earned from credit were also limited. The "solution" to that low-risk, low-churn, low-credit environment was the commodification and mechanization of credit . An analogy can be found in industrial consumer goods such as autos. When autos were hand-made by artisanal craftsmen, they were extraordinarily expensive. When Henry Ford mechanized the production, effectively turning them into mass-produced commodit...

Internet marketing = An exchange of value 4 things you have that are valuable: 1. Time 2. Knowledge 3. Experience 4. Skills Value is NOT JUST ABOUT MONEY attention, trust, referring friends, sharing success stories, contributing to a vibrant/active website, sharing ideas, contacts, all these are values in addition to their money. Offer valuable SOLUTIONS 1. Save $$$ 2. Save time 3. Save effort - accomplish a lot more with a lot less work, help people to increase productiviti, to avoid mistakes, to achieve greater results, 4. Offer something better - example, Apple - improved customer experience, what is already available, filling in the gap, correcting weaknesses What can I do to add value to the transaction? How can I provide a solution that is cheaper, faster, easier, better?

Just not long ago, a local brand launched its Mister Potato and Man Utd marketing campaign. It is one of the best try for local business where they are scoring with the right brand . In this promotional event, you can Win the Experience of A Lifetime with Mister Potato Man Utd Promotion ! As player in the same industry, another company, Jacker, launched its own campaign aiming to boost sales too - where you can Win Up To RM200,000 Cash with Jacker’s Extravaganza Contest . It is interesting that both companies are producing similar products, and both are from Melaka. And it is interesting too to study the gap between the team that produces these campaigns. A follow up on 19th October, 2011: When Ferguson walked into the press conference that would announce to the world the association of Mamee-Double Decker's Mr.Potato with United, there was pin-drop silence. The man has an aura that is larger than life.

During times of universal deceit, telling the truth becomes a revolutionary act. ~ George Orwell All public school is, in the US (and major part of the worlds where you can use Visa/Master - same system! - or spot KFC, McD, Starbucks etc) today, is indoctrination for jail or to train you to be a cubicle rat for the rest of your life. The human herding process School is an 18 years forced government training program that sterilises the potential of brains in children. Those who actually survive schooling and survived comformity and continue on to think for themselves truly are a rare breed. Until we abolish mandatory schooling, your child will be brought up as a slave, so that he can accept becoming a slave later in life in adulthood. "The aim of public education is not to spread enlightenment at all; it is simply to reduce as many individuals as possible to the same safe level, to breed a standard citizenry, to put down dissent and originality" -HL Mencken Formal...

Will a "Food Armageddon" happen in the near future? It will be tough to convince Malaysians that such a calamity could happen in a country where food is available round the clock. It is said that Malaysia is the only country in the world where food is available 24 hours a day, seven days a week. The term “food security” seems to be the preferred term today. Just a few decades ago, journalists weremore familiar with the term “food crisis”. Who authored the change in terminology? Was the currently preferred termspecially coined to be “politically correct” in context or “politically motivated” to accommodate a sinister agenda of institutional structures? Experts today use this term because it is not just crisis situations which cause “food insecurity” (i.e. lack of security). Almost a billion people go to bed hungry each day , according to the World Bank. Some of these peoplemay live in countries which have food, but they cannot afford to buy the food, meaning, they have no...

在 我和我的小三 于一星期前有所进展后， 特丽美面子书专页 活动也逐渐活跃。 特丽美俊男美女网络选拔赛 在 2011 年 10 月 1 日推广后的两个星期内，粉丝从 2818 人增至 4040 人 （本贴标题阿四的意思，是四千多，非广东话里的 "ah sei / 仆人”的意思）： 社群互动也从之前近乎零而呈令人鼓舞的增长： 最新的进展，当然是游览 特丽美面子书专页 ！

This spells it out better than I can describe with words. In the end, the only thing left standing will be the precious metals and their corresponding mining shares as one fiat currency after another implodes worldwide. We are witnessing the final stages of what happens when fiat currencies go the way of the world... What lies between now and that moment is plenty of market volatility and all kinds of societal chaos. You simply have to choose as an investor whether you want to be part of the slaughter, or be on top of the financial heap as the consequences for decades of economic and political stupidity come to full maturation. This is called the hijacking of America by the elitist banks for the elitist banks so they can get even more power and control. In reality, nothing is going to change the course we are on. Citizens worldwide are going to pay the full price for all this economic and political stupidity. It is not going to be a pretty picture. This would be very useful ...

Can You Handle The Truth? the truth is that life can be pretty cruel, if one cannot handle the truth. To make matters worse, most of these people who cannot handle the truth don’t even know what the truth is. Many believe that the money they’ve been putting in for years is still there, much like a private savings account. Most are unable to comprehend that the money they put in is actually gone, having flowed into an older retiree’s wallet. They do not know that if younger person doesn’t come in behind them and put money in the funds, they’ll be forced to face the truth that there isn’t any money in the kitty. Little does he know that the stock market is nothing but one big Ponzi scheme. In other words, if money stops coming in to the market, the money already in will rush out. With computerized high frequency trading (HFT), money can disappear at the speed of thought. What will it take for the economy to come back? Well, obviously, another Ponzi scheme… and that’s the truth. ...

Big govt vs small govt Aidan Chan Switzerland has been a safe haven for many centuries – both financial and political. this stable country does not have a central government...its central bank is tiny in comparison to its size. The Swiss “government”, or collection of governments, is entirely bottom-up, with plenty of volatility. In fact, it is the last main nation that is not a nation-state in the modern definition of the term. It has a small government, or a coalition of small governments. Because so many decisions are made at the municipal or cantonal level, the Swiss are intimately involved with laws and regulations which affect their lives. In Malaysia, by comparison, very few people relative to the Malaysian population know the Constitution. Each canton is different, so the Swiss are able to see for themselves which policies work best. Swiss citizens can then decide which policy suits them best and “vote with their feet” by moving to the canton which they find the most a...

This is a follow up discussion on Mister Potato and Man Utd . Football clubs are not what they used to be. But as the game evolved, so have the clubs. Most have grown intomillion-pound enterprises, some of which are listed in the local bourses. While one group of highly-paidmen show their skills on the field, another group of not-so-well paidmen (andwomen) make it their business to bringmoremoney into their over-flowing coffers.Yet, there’s another groupwhich goes about building the club as a brand, and then conquering markets all over the globe. This year, with a “brand value” of £412 million, Manchester United Football Club dislodged Real Madrid (£401 million) at the top of the table followed by Barcelona (£392 million), BayernMunich (£308million) and Chelsea (£109million). These figures were arrived at by brand consultants, Brand Finance plc who define a brand as the trademark and associated intellectual property. AON and Manchester United AON is the world’s leading insur...

Can you afford it? Natalie Shobana Ambrose The face of Malaysia’s urban poor has evolved and now includes different segments of society. Imagine if Adam were on a tight budget, what other Malaysians earning less are living without. The experts and politicians say we need to live within our means and save 30% of our income. In Adam’s case, saving RM1,500 is next to impossible unless we cook the books and he stops eating. Imagine how much better Adam’s classmates working overseas are doing – and we wonder why the brain drain figures are so high in this country. ...instead of just pumping more and more money from a deficit budget, greater efforts are concentrated on curbing corruption and frivolous spending, so that the real benefactors of the budget would be the people. http://www.thesundaily.my/news/167775 Reluctant to lead Yap Mun Ching ...unless Asia is able to muster the leadership and innovativeness to respond to the new environment, we cannot expect a painless transit...

江迅‧踐行“減法生活” 一段感情結束，一時身體欠佳，一份工作失去，一場財務危機，一次心靈受傷……沒關係，嘗試不同方式，釋放身體內的沉積能量，減掉不切實際的想法，給生活排列優先次序，集中注意力做最重要的事，把複雜問題簡單化，為心靈減壓，減去疲憊。減肥，減壓，減負，減齡，減輕煩惱，減少鬱悶，減出完美生活。生活的本色是簡約。 http://opinions.sinchew-i.com/taxonomy/term/22 鄭梅嬌‧巨人的感召 只要人人能在自已的崗位上，忠於自己的角色，在心態上有一定的高度，大家都有能力讓世界更美好，不一定要等到成為喬布斯，或甚麼首富，才叫成功。 http://opinions.sinchew-i.com/node/21189 歐陽文風‧蘋果與禪 他不是粗枝大葉的敢做敢為，因為勇敢不會太難，無知者往往最敢；他是一個思考者，可以沉靜。 蘋果產品總有一絲絲的禪味，設計簡單但不單調，平靜但不平凡，一切從簡，但內容豐富；空與實，實與空，互相交錯，以少勝多，以無為有。 喬布斯拒絕人雲亦雲，因為這是媚俗。他拒絕隨波逐流，但也非逆流而行，他是以橫溢的才華，使歷史的長河從此改道！ http://opinions.sinchew-i.com/node/21198?tid=10 楊照‧難以超越的“喬布斯障礙” “喬布斯障礙”指的是一種未來很難被超越的經營管理典範，一種未來更難被超越的企業家形象。 他五度（！）以不同產品改變人類生活體驗的光輝成就，他創造的高科技與美學品味結合的模式，他帶領的既能揮灑創意又能切實執行的神奇團隊，還有他在短時間內給蘋果帶來的驚人營收、盈餘與高漲股價。 看看喬布斯同輩的這些人物就更清楚了。微軟的蓋茲、亞馬遜的貝佐斯、谷歌的施密特，乃至於年紀更輕的臉書的祖克柏，他們都是獨當一面的一代創新梟雄，但就連他們，都沒有取得、或已經失去了喬布斯那樣的全球性近乎“教主”的地位。一個關鍵因素：喬布斯不只創造一個讓人拍案驚奇的發明，他源源不斷持續創造了一連串讓人愛不釋手的發明。 最有可能瓦解“喬布斯傳奇”的，是喬布斯自己。 http://opinions.sinchew-i.com/node/21193 侯雅倫‧你我都不明白的事 習慣了以千萬和億作花費單位的官爺們，永遠不會明白小市民繳不起賬單的煩惱，更不...

Last year, at a dialogue session with visiting Talent Corp officials including those from Pemandu, CIMB head honcho, Datuk Nazir Razak, talked about the need for Malaysian talent to return home. So the question that was posed was: “Why would anyone want to come back to a country which is perceived to be rife with corruption?” Nazir acknowledged it as a problem and responded by saying that such perceptions have to be changed and that the prime minister is paying serious attention to them. Did my question damage the image of the country? It is a serious enough issue that is deterring many young people from returning home and who perhaps, falsely, have been led to believe that in Malaysia, “you have to pay for everything”. How are such perceptions going to change if in the first place we do not acknowledge their existence and take appropriate steps to rectify them? What better avenue than with young talented Malaysians who are able to accept that something is being done to address s...

特丽美俊男美女网络选拔赛 在 2011 年 10 月 1 日开始进行（适逢星期六），当时的 特丽美面子书专页 有 2818 名粉丝： 点击上图以观看时间 在 2011 年 10 月 6 日上午，粉丝小增至 3018 人　（标题“小三”的意思）： 点击上图以观看时间 虽然最近 Facebook 改了一些流程，即 by default 社群不需按 LIKE 或赞成为粉丝也可以游览专页内容，粉丝的增长幅度与参赛人数也还好。 至目前为止，共有 30 名参赛者 - 请游览 特丽美俊男美女网络选拔赛十月份活动相簿 - 而且素质也还不错。 值得一提的是， 特丽美俊男美女网络选拔赛报名表格 设计也非常专业。 最新的进展，请游览 特丽美面子书专页 。投票者也有奖品！

Online campaign: Red Tomato weekly newspaper entering 3rd month, a grow of fans count from 1,431 (as at 5th July 2011) to current 19,014 (as at 5th Oct 2011), 1228% growth in 3 months. Not bad.

Whatever happened to "till death do us part" ?! .. :P When you say, " To have and to hold," you're talking about the TV remote - right ? " It will not be "... and they live happily ever after". This scenario only happens in fairytales. Extra affairs of the heart Leong Chin The Sun Daily, Lifestyle, Page 28, October 7, 2011

I’m personally in favour of no retirement age limit and for freedom of choice as well as for market forces to prevail. If a person wants to retire by 55 (or earlier), he should be allowed to do so, and if he wants to work until 75 (or later), he should be able to do so too, provided his employers are agreeable. I guess I hold this view because I have an unconventional perspective of work. I’m a freelancer, so any kind of mandatory retirement age limit would not apply to me. Whether you are a millionaire, a manager or a teacher, you will one day have to make a transition from the struggle for success to the quest for significance. ~ Bob Buford And what exactly is “significance”? a great life involves “using your strengths, understanding what it is that makes you unique, realising the truest expression of who you are – and doing that persistently in the service of something larger than yourself”. ~ Daniel Pink, A Whole New Mind And the mid-point of your life – “Half Time” – ...

去实践，去着手做事。如果你等待别人教你成为创业者，你就不是一个创业者。 技能可以学习。它是让你走出去做出不凡之事的驱动力和雄心。我们任何人都可以成为医生。我们任何人都可以做律师。但只有自强自立的志气——即使在困难的时刻——让我们与众不同。 如果把你置于一个有机会快速学习，并且必须学会成功的环境的话，你的学习过程就会快得惊人。 创业是一种激情，因为你心甘情愿地为创业而学习，它成了你生活的一个重要部分。如果你不喜欢创业，你就不可能成为学生创业者。 我完成工作，因为我乐在其中。它不是一项任务。 我过去，并且直到今天仍然遵循的原则是非常简单的。我擅长什么？我不擅长什么？我如何让可能是最棒的人来帮助我做我不擅长的事情？我并不想尝试亲自动手做一切事情。 在你的公司规模还小的时候，基本上一切都是未知的，你没有资本，你还年轻，会有一些唯利是图的人来为你工作。因为这时候风险与回报都相当高。 你必须建立一个面对挑战也能够发展下去的制度。也可能有一些人会做出不同的决定。他们说，我们只打算以我们人能成长的速度成长。好吧。你可能最终仍然是一家非常小的公司。你用的人不对。 如果业务增长速度超过人的成长速度，而现在是你最好的朋友在做这项工作，可他已经没有能力做好，你是要做出一个感性决定还是理性决定呢？这不是私人问题。这是业务问题。如果你雇佣朋友，你要准备好解雇他们。 我认为你必须确定你要寻求什么样的生活。 的确有挑战，但我觉得这些挑战不见得与年轻且快速取得巨大成功有必然的联系。你会受到想从你这里渔利的人们的攻击。我必须要学会保护自己不受他们的侵害。这些人中谁是我的朋友，谁只是想从我这得到好处？结果发现有很多人就是想从我这里渔利。而且，我越成功，他们想得到的东西就越多。 领导者必须乐观。这是很重要的一点，我已经学到了一些：你会发现自己处于完全无所适从的境地，而且你的手上是一堆乱麻。这时如果你不给你的属下指明前进的方向，如果你不知道路在何方，那么用不了多久你就得歇业。因为大家都依赖于你。你必须想出办法，制定计划。这就是领导的职责。 我觉得，不利用社交媒体是很荒唐的事情，因为在与客户交流和分享信息方面，社交媒体是精髓工具。你可以通过它把你的信息直接传播给大量的客户和大量的潜在用户。而且社交媒体发展极其迅猛。 内容的深度对自然搜索有很大影响。所以，如果你有深度的内容——有可能来...

逛商场时，直觉叫我投资马币 8 块钱买这本杂志： 打开了密封的胶袋，再看一看内容，资讯将让读者赚回无数倍的回酬... 与 虚拟大国诞生，第三波淘金潮在 facebook 一样，都是 Business Next 数位时代的商品。 看来本地杂志还有一段很长的距离要走。