Dec 20, 2016

没有赚钱能力的人跟在坐牢没有什么两样

李嘉诚:身为爷爷,为什么不直接给钱,偏给孩子买1亿保险?

【李嘉诚:身为爷爷,为什么不直接给钱,偏给孩子买1亿保险?】
香港巨富李嘉诚说:“别人都说我很富有,拥有很多财富。其实真正属于我个人的财富是给自己和亲人买了足够的保险。”许多人不解,为什么象李嘉诚那样的有钱人也要买保险呢?难道他的财富还不足以抵御风险?
李嘉诚这样解释说:“我们李家每出生一个孩子,我就会给他购买一亿元的人寿保险。这样确保我们李家世世代代,从出生开始就是亿万富翁。人寿保险是企业发生财务危机时留给自己与家人的最后一根救命稻草。”
直以来,很多人不理解,像李嘉诚这样的富豪为什么通过买保险给自己的子孙财富?到底是有什么样的顾虑?
中国古代就有“富贵传家,不过三代”的说法,多年以来,人人都深信不疑。从今天来看,除了朝代变迁等政治原因、子孙的败家本性之外,最主要的原因之一就是当时的中国社会没有完善的保险体系。相反,美国的肯尼迪、福特、洛克菲勒、福布斯等家族,至今财富兴旺,除了经营有道、教育有方等原因之外,在资产守护与传承上,也得益于国家完善的保险体系和机制。
01

防止富不过三代的历史重演
富人们通过前二十年的打拼积累了大量的财富,其资产传承的首选对象自然是子女,但对于含着金钥匙长大的群体来说,他们还未经历过积累财富的艰辛,就突然获取大量财富,但在使用方式上并无前车之鉴。而保险所具备的资产传承功能却能很好地解决这一问题,它能让继承人在指定的时间传承财富,防止后代挥霍财产,防止富不过三代的历史重演。
除了最基本的健康保障外,人寿保险根据投保人的意愿进行财产分配。这也意味着,富人可以通过保险,安排子女在某一个时间段合理继承相应的财产。
02

保险是资产避税最好的方法
富人大多在生前为自己投保巨额人寿保险,让这一部分财富可以免税由子女继承。富过三代,永续经营,代代相传,在财富传承上避遗产税,是他们最大的心愿。穷人和富人买保险的最大区别就是:侧重目的不同。穷人更多的是买保障与理财,富人更多的是为了在财富传承中保全资产。
保险法规定,寿险属于生命资产,免纳个人所得税。人寿保险是专属于保险受益人自身的权利,大于债权。这也意味着如果购买保险者欠债或者破产,其保单效力不会因此改变,法律不能强制受益人用保险赔款进行偿还。人寿保险最大的特点,是可以更加顺利更加科学地实现避税的资产传承。
03

57年不败的秘诀是“90%的时间在考虑失败”
除却儿孙方面的考量,之所以买这么多的保险,是因为李嘉诚的保险思想和他的经商智慧高度一致。李嘉诚说,他57年不败的秘诀是“90%的时间在考虑失败”。很有趣,一般人满脑子都想怎么成功,李嘉诚却花这么多时间想失败!
“人在商海走,哪能不湿鞋。企业经营得再成功,也怕有风有雨。”一旦有个闪失有可能就是倾家荡产,老婆孩子还有老人的生活怎么办?
有些女士爱存“私房钱”,但这些钱在法律上是不成立的,它是夫妻的共同财产。当他一旦有债务而被追偿的时候,这些钱仍将被拿走,并不能起到为家庭保全财产的作用。如果你用这些钱去买保险,即使你家的房产、汽车都被追偿,这张保单仍是可以保留的。因为法律上规定,保险单是以人的生命、器官和寿命为代价换来的将来收益的期权,不作为追偿对象。很多富太太也是基于这个原因购买大额保险的。
纵有万贯家财,也不敌保单一张
一张大保单平时也许从来不用,但关键时刻,它能挽救一场企业的信用危机,帮助企业渡过难关。

what you see on the marketing , is after packaging, don't believe

Dec 18, 2016

说故事

从前有一个小男孩

出身贫寒

但是发愤图强

别人说什么对他没有多大的 反而化作动力
虽然深受攻击
但是表面还是显得落落大方

一步一脚印

结果 成为了当地人的楷模 最后成为了说他的人的 老板
哈哈哈

这种故事实在是太闷了 都没人看

现在换一个角度
那些说他的人 变成了他的老板继续 欺负他 知道永远永远

这样的故事又太不正直 所以也没有人喜欢看

还是最后他们 合作打败更坏的坏人
随便 反正故事怎么说都是作者在自爽

穿得普通看似平凡的人群中 也藏着厉害的低调的人

每天清晨 就回到公园去散步。

这里散步的人每个人都穿得厚厚的

就有一个年轻人 穿了短裤和一件衬衫

人不可貌相 没想到 一个年轻人既然如此强壮

今天见识到了人上有人 天外有天

最重要的是 人不可貌相

穿得普通看似平凡的人群中 也藏着厉害的低调的人

https://brightside.me/article/32-important-life-lessons-from-32-years-83555/

Dec 15, 2016

初级作业一

 p/s: 以即席的方式写下这篇稿
 

社会  这个社会里 一种米,百种人。要学会在社会里除了要学会做人,还要学会看人。
其中有两种人 分为大类。黑的 还有白的。 他们说黑的靠拳头, 白的靠开会。黑的人可以做的事情: 抢劫、勒索、绑架、偷窃 等 照成种种社会问题 ;白的靠 苦力,买卖,服务,餐饮业 为生。
在社会 我学会了不仅要靠知识 还要靠人际 沟通 才能比较迖效。 所以我来参加讲演会了。

大学 里只有一种人,那就是白的。我们天天开会 天天看power point.我们用的是头脑 与知识。 对于武力的使用 毫不知情。面对武力的使用 更会有点难招架得住。不过我学到了分析,有条理,做事循序渐进。群分 跟做事靠自己。 因为只有自己才是最可靠的人。大学教会了我自立,跟解决问题的头脑,叫我在社会里如何立足。

中学 教会了我改变,一个人如果没有改变 就不会有进步。我认为改变就是教会了我如何进步。除非已经好得不需要改变了。小学用的是华文,中学是国中所以用英文,这种改变叫我 语言虽然不一样 但是理论却是一样的。spm考试 用的是英文,我也考获了不错的成绩, 也因为这个成绩能 领取到大马教育局 让我去澳洲深造。 感谢改变所给我创造出的机会。

小学,一切的基础都开始于这个阶段 我的语文基础能力 和数学基础能力都是在这里磨炼出来的。 我也深切体会到什么是打是疼骂是爱 的含义。如果给我再选一次,还是会选择华小,因为这里教会了我纪律, 天下本来就没有白白得来的东西,能够白白得来的 也通常白白地被浪费掉。 一分耕耘,一分收获。 但单靠这些是不够的, 还要有我之前提到的 中学时的 学会改变,大学时 学会 靠自己, 出来社会的学会有效沟通。

学到这里是不是完了呢? 还没 我的世界正要开始呢。

我是平柽,我来地球改变世界 你们呢? 朋友们 我也准您们在社会里能够打出自己的一片天下。 有请主持人。

random thoughts

梦 我们每个人都有
您会不会去追逐自己的梦想呢?

大家好 我是平柽 从小在新山长大。
上了无数堂课
其实并没有所谓的
人的负面情绪是自然有的。。如何处理或是如何面对或避开 是看自己

“如果给我从选一次” 这个问题 在我耳边回荡
理性头脑给我们很多很安全的答案
这些答案有时会保护我们 有时会牵绊着我们的脚步。

我很庆幸有机会到世界各地去看
看什么 看他们的政治 看他们的人 看他们的设施。
每个地方都不一样
 统治者管的是国家、生意人管的是生意。

我们有法律的保护。
但是我们也有权利去对抗法律的不足。
不同的是。。接不接受。。还得靠团结、国外团结有答案;国内不团结 就什么都没有了。

出来社会我们靠的不只是钱,一个人可以有多少钱。
我们靠的是头脑,如何去解决问题。
有钱人除了钱多,其实问题也挺多。
但是最怕问题的其实是有钱人,所以他们说钱可以解决问题。

社会里不同的人,有黑的白的。
不过大家都靠着人性的弱点赚钱。
说来容易做来难。
今天的社会,网络发达的时代。
一个人说卖衣服。。每个人就跑去卖衣服。。
结果大家都不能竞争。



Dec 12, 2016

Power Manager does not work in Windows 10 - ThinkPad

https://support.lenovo.com/gb/en/documents/ht104070

Bandar Malaysia | The Maritime Silk Road | CNA Insider

china train in batu gajah ipoh

https://www.google.co.uk/search?q=china+train+in+batu+gajah&ie=utf-8&oe=utf-8&client=firefox-b-ab&gfe_rd=cr&ei=rXROWIjHHc7U8ge_jrvoDA

http://www.railjournal.com/index.php/asia/crrc-opens-malaysian-rolling-stock-plant.html

http://europe.chinadaily.com.cn/business/2016-08/17/content_26504456.htm

europe.chinadaily.com.cn/business/2016-08/17/content_26504456.htm

http://www.starproperty.my/index.php/articles/property-news/rolling-stock-plant-set-up-by-china-company-in-batu-gajah-to-create-800-jobs/

http://english.astroawani.com/malaysia-news/rail-and-locomotive-technology-plant-batu-gajah-generate-jobs-800-11832

http://www.channelnewsasia.com/news/business/world-s-largest-underground-city-at-kl-terminal-to-be-gem-on/3232964.html

中国中车在马来西亚设立东盟制造中心 共促轨道交通装备发展

http://www.scio.gov.cn/ztk/wh/slxy/31208/Document/1449394/1449394.htm

http://paper.people.com.cn/rmrb/html/2015-08/18/nw.D110000renmrb_20150818_1-03.htm

白手起家的124个经商智慧!

http://tw.gigacircle.com/4036107-1?success=1

typical power consumption i7 6500 vs i5 6200

http://cpuboss.com/cpus/Intel-Core-i7-6500U-vs-Intel-Core-i5-6300HQ

http://cpuboss.com/cpus/Intel-Core-i7-6500U-vs-Intel-Core-i5-6200U

Lenovo ThinkPad 13 Ultrabook Review

http://www.notebookcheck.net/Lenovo-ThinkPad-13-Ultrabook-Review.166559.0.html

Laptop Buying Guide 2014: Processors And Battery Life Explained

http://www.gizmodo.com.au/2014/09/gizmodo-laptop-buying-guide-2014-processors-and-battery-life-explained/

Dec 9, 2016

How to Spot a Well-Made Watch

https://www.linjer.co/blogs/linjer-journal/how-to-spot-a-well-made-watch

find as many factory..as possible..good qualities one... build your own brand...with minimalist trend and strategic price which can accommodate international market

don't create something... shape the path along the journey..therefore no one have your uniqueness

there are a lot of lies on the internet, you need to screen them mentally and act according to your understanding and talent

your job is not to follow what others do, but with the same model, find your own unique competitive advantage

This 27-Year-Old Will Make $5 Million This Year Selling Bags Online

http://thehustle.co/linjer-bags-revenue?%3Futm_source=002MEA&utm_medium=002MEA&utm_term=002MEA&utm_content=002MEA&utm_campaign=002MEA

we cannot invest in past technologies but we can invest in fashion

Dec 8, 2016

First Week in London 2016

01&02/12/2016
Long long journey..thanks Ivan who send me to Senai Airport early in the morning at 4.30 am. It was drizzling in JB, nevetherless the flight is smooth. When arrive in London Airport, I took a tube to my destination, it took me another 1.30 hours, and then miracle happens... I met my sister on the bus to her place.. which save me a lot of time.. because having a local tour guide.. is like an Oasis in the desert. Anyway I arrived at sis's place safely.. and else is ZZZZZZZzzzzzzzzz (jet lagging). till the very next morning.

03/12/2016
My bday. Incredible people, incredible bday wishes. Great homecook lunch and dinner.


04/12/2016
Hillsong service- sit beside a lovely lady. She greeted me God Bless You before we go. Enjoyble music, improvable preaching :) Overall experience is incredible, one of my dream is to come to London and be in part of Hillsong London, I made it!!

07/12/2016
Traveled with tube in London. We mainly use the Picadilly Line, stop every stops as we can.  Some that I can remember are: Arsenal, King Cross, Russell Square, Covent Garden. And finally we went to China Town ( Leicester Square) by foot. British Library is huge.

08/12/2016
The highly anticipated lenovo thinkpad 13 has finally arrived. I didn't do the unboxing but still very excited to be using it.
Took me years to figure out the wireless mouse is not bluetooth, and the wireless usb is hid inside the mouse. Finally took it out and plug it into the laptop. It works like a charm now XDXDXD
Another of my dream is to own a ThinkPad.. here it is ThinkPad 13 at its best !!

ThinkPad 13 Review

Thoughts after using:
Firstly the look is incredible. I always dream of having a black matte laptop. 
Thinkpad logo is cool, but different than other laptop, the dot of the "i" will light as red color and it can be found in two different locations, below the keyboard and behind the screen.
I had a rough test with the sound, it sounded normal, but I am not a sound person when comes to laptop, because what I am looking for is a portable but powerful laptop.

Although many has claim that the thinkpad keyboard is excellent, it is indeed excellent as compared to my previous macbookpro keyboard. Thinkpad keyboard produce little noise, deep travel yet the keys hold firmly on the key, which gives a solid feeling. I can imagine typing anything..literally anything on the keyboard just to feel the solidness of the key. haha sometimes i think it feels a little like the piano..keyboard.

Screen solution was originally claimed to be a little too dark but I upgraded it to be 2k resolution, although it is not as sharp as compared to mac 4k or even 5k resolution, but it serves better for the battery life reservation side. And the purpose of this laptop is not for video editing, so I am good with 2K, at least it is bright enough. Screen is IPS with little light reflection, but it is not touch screen.

Performance wise.. forget about benchmark test...as soon as it does not lag ..and ram does not exceed the limit then we are good to go as for this laptop is intended for working..and not gaming purpose. So far, for daily use it is ok. I am using an i7, 8Gb of ram and 500Gb SSD (non Pcie). Specs wise it is almost better than my work desktop.

Weight is not as light as I intended it to be. Though it is satisfactory i.e. not as light as LG 0.9kg notebook. Thickness is not the thinnest but can slide easily into the 13 inch protective case, and then I can put it into my sling bag easily, which is.. good.

Price wise, it is the cheapest high specs laptop I can find. haha a close competitor is dell xps 13..for which the base model with i5 processor cost around rm5500, lenovo thinkpad 13 easily beat that by 20 % atleast. So, best price..I can find haha.

Overall, my dream come trueee. Have gotten myself a thinkpad! not the best in the line but it is the BEST for me.
Thank you all. Hope you guys find your own laptop.
 


Technical comment:
Lenovo thinkpad 13 comes with a few options when comes to upgrading the system.

Basic specs:
  • processor i3-6100
  • Ram: 4Gb
  • Hard disk: 128 Gb
  • Screen resolution: 1366 x 768

Specs I choose:
  • processor: i7-6550
  • Ram: 8Gb
  • Hard disk: 500 Gb SSD (Non PCie)
  • Screen resolution: 1920 x 1080

Thinkpad 13 Pros:
  1. Light weight.. weight between 1.4kg to 1.45 kg
  2. Nice keyboard- deep travel, pleasant typing experience; keyboard has quiet typing sound.
  3. Nice mouse- Wooden surface, leather surface tested, both are OK; mouse has quiet clicking
  4. Nice Matte Black color. so far laptop is finger prints free.
  5. Does not feel durable as compared to x260 but..a more slick design.
  6. Battery life 8 to 10 hours (not tested yet). Not as heavy duty as x260 etc..
comment:
  • 13.3' inch display isn't large but it is my ideal portable size
  • the price point is lower than thinkpad x260 which is my initial target.
Overall, it is rather light and portable, decent display after I upgraded from the basic package, excellent keyboard which makes everyone a good typist.. medium battery life for daily use, and reasonable price range as compared to other thinkpad as well as other brands for the same specs.

In short, thinkpad 13 (upgraded) serves just like my desktop, except for it is highly portable.
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side note:
  • x260 has an option to expand the battery to about 15 to 17 hours long battery life
  • there is no option to upgrade battery for thinkpad 13, in the future if anything wrong with the battery I will just replace one; as compared to x260 has a dual battery system which has a detachable external battery.
thinkpad 13
  • slicker design
  • cheaper
  • shorter battery life (8 hours (not tested) compared to 17 hours for x260)
thinkpad x260
  • feels more solid (some say)
  • longer battery life (17 hours with the extra battery life option)
  • more pricey (with similar price point I can get i7 thinkpad 13 as compared to I only get i5 for thinkpad x260)
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