There was freedom of speech.
There may not be freedom after speech.
Post 509
There is still freedom of speech ... for some.
Others are injuncted from speaking.
Sunday, 19 January 2020
Freedom of speech
Pre 509
There was freedom of speech.
There may not be freedom after speech.
Post 509
There is still freedom of speech ... for some.
Others are injuncted from speaking.
There was freedom of speech.
There may not be freedom after speech.
Post 509
There is still freedom of speech ... for some.
Others are injuncted from speaking.
Sunday, 12 January 2020
没有内心强大， 不配谈人生！
没有内心强大，
不配谈人生！
转至网络
西点军校最贵一课：没强大内心的人，没资格谈人生
尽管西点军校的招生选拔已经足够严苛，但是每年录取的学生中还是有五分之一选择了中途退出。
这五分之一的学生中有很大一部分是在大一结束时选择退出的，因为就在这一年他们要经历西点军校最为著名的“野兽”计划，经历生理、心理、社交等一系列残酷考验。
坚持不住的人，最终只好选择出局。
这一现象引起了宾夕法尼亚大学知名心理学教授安吉拉·达科沃斯的兴趣。
难道入学前那些严苛的智商、情商、天赋测试还不足以证明这些学生足够有潜力吗？为什么“野兽”计划还能够淘汰如此多学生？
要知道这些退出的学生原本完全有资格进入哈佛、耶鲁等世界名校的。
到底是“野兽”计划故意为难学生，还是这个计划真的发现了这些学生的人格缺陷？
达科沃斯展开了一系列被称为“坚毅测试”的研究，对历年“野兽”测试中成功或者失败的学生进行了调查。
发现最终完成该计划的学生大部分有极为成功的事业、美满的家庭，而他们成功的秘诀就是他们当年在“野兽”里学到的那些秘诀，让他们成为了富有激情、韧性、进取心的人，从而取得了巨大成功。
达科沃斯的研究成果被总结为十条经验，被看作是西点军校培养真正优秀学生的真正秘密，也被称为西点军校最昂贵也是最有价值的课程：
没有强大内心的人，就没有资格谈人生。
那到底是哪10条经验呢？这10条经验对我们的职业生涯会不会有帮助呢？
一、即便已经一败涂地，你仍然要坚持奋斗
曾经有一个记者问拳王阿里：你每天做多少个仰卧起坐？
阿里回答道：
“我从来不数自己做了多少个仰卧起坐，我会一直做到肌肉痛到实在无法坚持，这才是关键。”
其实在职场上也一样，在很多艰难时刻你都会面临两种选择：
要么是含着眼泪硬扛下去，要么是让困难、痛苦把你打倒在地。
人是一种习惯的动物，一旦你开始为自己的失败找理由，有困难就逃跑将会成为你的本能。
换句话说，如果你总是坚持让自己扛过苦难，那你最终才能够成就伟大。
二、你必须晚点吃棉花糖
斯坦福大学有一个非常著名的“棉花糖”实验，实验者会让一个孩子独自在一个房间里面对一块棉花糖15分钟。
实验者离开之前会告诉这个孩子，如果你忍不住了你可以吃掉它，但是如果你15分钟不吃这块棉花糖，那你就会得到两块棉花糖作奖励。
斯坦福棉花糖实验中三分之一的孩子没有吃棉花糖，他们的人生大多非常成功、幸福，吃掉棉花糖的孩子们则相对过着贫穷、失意的生活，其中有不少被毒品、酗酒、肥胖等问题困扰。
最终证明，那些能够抵御诱惑的孩子们后来的人生都很顺遂、成功，学历好、工作成功、家庭美满，甚至被肥胖困扰的都很少。
“坚毅测试”发现对一个人的成功来说，耐心和延迟享受是一个非常关键的因素。
达科沃斯说，真正内心强大的人知道只有当他能够忍受时间和欲望的煎熬，他才有机会实现梦想。
三、即使犯了超傻X的错误，也要无所畏惧、不断尝试，直到成功
最近威廉玛丽学院调查了800位企业家，发现这些人中最成功的那一批都有两个共同特质：
从不害怕失败，而且从不在乎别人是怎么看他们的。
换句话说，这个世界上最成功的那些人都不害怕失败，甚至把失败看作是人生的必经之路。
四、你是个大人了，你必须学会控制情绪
很多人没有意识到的是，坏情绪会不断的削弱你内心的力量，一个成年人无法控制自己的情绪，那后果可能是灾难性的。
如果让情绪控制了你的大脑，那你就可能会丧失了清醒的思考力、判断力、意志力，以及解决问题的能力。
事实也证明，容易情绪失控的人很多都有脾气暴躁、攻击性强、过度自负等一系列问题。
尽管情绪这东西看不见摸不着，但是我们还是可以有效的控制情绪。
例如你可以在每次自己要发脾气之前问自己：我的怒气从何而来？我为什么要发脾气？发脾气有什么意义？坚持久了，你就可以控制自己的情绪了。
五、你必须打那个，你不想打的电话
有很多时候我们不得不做一些我们非常不想做的事情，因为我们知道这些事情从长远来看都是很有价值的：
炒掉不负责的员工、给陌生人打电话推销、通宵工作为了把公司从死亡线上拉回来，或者是为了一个至关重要的项目不懈奋斗。
在面对困难的时候说放弃真的很简单，但是最优秀的人知道最佳选择也是必选项，并不是放弃而是“开始干吧”！
每一次你在害怕的时候都没有真正解决问题，也是在浪费时间。那些真正敢于打出“不想打的电话”的人都无一例外的是踏石留印、抓铁有痕的人。
六、你必须毫不迟疑地追随直觉
追随直觉和莽撞之间是有很明确的分界线的。
追随直觉的前提是，你已经非常理性、客观、全面的分析了问题的所有角度。
即使是当事情的走向并不明朗或者不符合你的预期时，你也会真诚的相信自己的内心已经做出了正确的选择，然后拼劲全力的去实现目标。
七、即使全世界都反对，你也要勇往直前
当有人支持你的时候，不管是选定一个新方向还是做一件困难的事情都会比较容易。
但是“坚毅测试”发现，真正考验你的内心力量大小的是在所有人都不支持你、反对你的时候，你是不是还能始终如一。
内心真正强大的人并不是喜欢没有人支持、没有人陪伴，他们只是决不放弃，证明给别人看自己是对的，然后就会有人支持你了。
八、不管有多急、多累，你都要竭尽所能地慢慢来
越是当你已经非常累，非常急，或者感到受委屈的时候，你就越容易出错。这种情况下你的内心会受到极大的考验。
晚清名臣沈葆桢是林则徐的女婿，据说林则徐曾让沈葆桢彻夜抄写一篇加急公文。
为了试试沈葆桢的耐性，林则徐故意把沈葆桢誊了三四个小时的公文扔在一边，找借口让他重抄。
尽管公文再有三四个小时就要发出，沈葆桢也已经十分辛苦，但是他丝毫不急、不乱，更也不觉得是委屈，默默地掌灯重写。
沈葆桢写好后把文件呈给林则徐再看。林则徐大悦：墨迹丝毫不乱，字迹清秀比第一次犹有过之，此子宠辱不惊，未来必成大器。
越是忙、急、累、委屈，就越容易出错，这个时候就请你慢慢来，小心点。
九、你必须善待你的敌人
当你的敌人对你倾斜恶意时，他也是在期望把你拉到跟他一样的水平上，把你变成跟他一样的人。
而内心强大的人绝不会允许别人掌控自己的人生，他们绝对不会因此对自己的敌人或者讨厌的人变粗鲁。
他们会像对待别人一样对自己的敌人，耐心、善良、包容。因为他们绝不容许有任何一个人把自己变low ，即使是敌人也不行。
十、你必须对你的所作所为负责
人们更容易记住一个人是怎么解决问题的，而不提容易记住他是怎么引发问题的。
只要是你造成的问题，你就一定要承担责任，然后解决问题。要做一个永远都负责任的人，即便找个借口再容易不过，也不要这样做。
要知道对一个梦想远大的人来说，明哲保身绝非正途。
你准备好做一个内心强大的人了吗？加油！
不配谈人生！
转至网络
西点军校最贵一课：没强大内心的人，没资格谈人生
尽管西点军校的招生选拔已经足够严苛，但是每年录取的学生中还是有五分之一选择了中途退出。
这五分之一的学生中有很大一部分是在大一结束时选择退出的，因为就在这一年他们要经历西点军校最为著名的“野兽”计划，经历生理、心理、社交等一系列残酷考验。
坚持不住的人，最终只好选择出局。
这一现象引起了宾夕法尼亚大学知名心理学教授安吉拉·达科沃斯的兴趣。
难道入学前那些严苛的智商、情商、天赋测试还不足以证明这些学生足够有潜力吗？为什么“野兽”计划还能够淘汰如此多学生？
要知道这些退出的学生原本完全有资格进入哈佛、耶鲁等世界名校的。
到底是“野兽”计划故意为难学生，还是这个计划真的发现了这些学生的人格缺陷？
达科沃斯展开了一系列被称为“坚毅测试”的研究，对历年“野兽”测试中成功或者失败的学生进行了调查。
发现最终完成该计划的学生大部分有极为成功的事业、美满的家庭，而他们成功的秘诀就是他们当年在“野兽”里学到的那些秘诀，让他们成为了富有激情、韧性、进取心的人，从而取得了巨大成功。
达科沃斯的研究成果被总结为十条经验，被看作是西点军校培养真正优秀学生的真正秘密，也被称为西点军校最昂贵也是最有价值的课程：
没有强大内心的人，就没有资格谈人生。
那到底是哪10条经验呢？这10条经验对我们的职业生涯会不会有帮助呢？
一、即便已经一败涂地，你仍然要坚持奋斗
曾经有一个记者问拳王阿里：你每天做多少个仰卧起坐？
阿里回答道：
“我从来不数自己做了多少个仰卧起坐，我会一直做到肌肉痛到实在无法坚持，这才是关键。”
其实在职场上也一样，在很多艰难时刻你都会面临两种选择：
要么是含着眼泪硬扛下去，要么是让困难、痛苦把你打倒在地。
人是一种习惯的动物，一旦你开始为自己的失败找理由，有困难就逃跑将会成为你的本能。
换句话说，如果你总是坚持让自己扛过苦难，那你最终才能够成就伟大。
二、你必须晚点吃棉花糖
斯坦福大学有一个非常著名的“棉花糖”实验，实验者会让一个孩子独自在一个房间里面对一块棉花糖15分钟。
实验者离开之前会告诉这个孩子，如果你忍不住了你可以吃掉它，但是如果你15分钟不吃这块棉花糖，那你就会得到两块棉花糖作奖励。
斯坦福棉花糖实验中三分之一的孩子没有吃棉花糖，他们的人生大多非常成功、幸福，吃掉棉花糖的孩子们则相对过着贫穷、失意的生活，其中有不少被毒品、酗酒、肥胖等问题困扰。
最终证明，那些能够抵御诱惑的孩子们后来的人生都很顺遂、成功，学历好、工作成功、家庭美满，甚至被肥胖困扰的都很少。
“坚毅测试”发现对一个人的成功来说，耐心和延迟享受是一个非常关键的因素。
达科沃斯说，真正内心强大的人知道只有当他能够忍受时间和欲望的煎熬，他才有机会实现梦想。
三、即使犯了超傻X的错误，也要无所畏惧、不断尝试，直到成功
最近威廉玛丽学院调查了800位企业家，发现这些人中最成功的那一批都有两个共同特质：
从不害怕失败，而且从不在乎别人是怎么看他们的。
换句话说，这个世界上最成功的那些人都不害怕失败，甚至把失败看作是人生的必经之路。
四、你是个大人了，你必须学会控制情绪
很多人没有意识到的是，坏情绪会不断的削弱你内心的力量，一个成年人无法控制自己的情绪，那后果可能是灾难性的。
如果让情绪控制了你的大脑，那你就可能会丧失了清醒的思考力、判断力、意志力，以及解决问题的能力。
事实也证明，容易情绪失控的人很多都有脾气暴躁、攻击性强、过度自负等一系列问题。
尽管情绪这东西看不见摸不着，但是我们还是可以有效的控制情绪。
例如你可以在每次自己要发脾气之前问自己：我的怒气从何而来？我为什么要发脾气？发脾气有什么意义？坚持久了，你就可以控制自己的情绪了。
五、你必须打那个，你不想打的电话
有很多时候我们不得不做一些我们非常不想做的事情，因为我们知道这些事情从长远来看都是很有价值的：
炒掉不负责的员工、给陌生人打电话推销、通宵工作为了把公司从死亡线上拉回来，或者是为了一个至关重要的项目不懈奋斗。
在面对困难的时候说放弃真的很简单，但是最优秀的人知道最佳选择也是必选项，并不是放弃而是“开始干吧”！
每一次你在害怕的时候都没有真正解决问题，也是在浪费时间。那些真正敢于打出“不想打的电话”的人都无一例外的是踏石留印、抓铁有痕的人。
六、你必须毫不迟疑地追随直觉
追随直觉和莽撞之间是有很明确的分界线的。
追随直觉的前提是，你已经非常理性、客观、全面的分析了问题的所有角度。
即使是当事情的走向并不明朗或者不符合你的预期时，你也会真诚的相信自己的内心已经做出了正确的选择，然后拼劲全力的去实现目标。
七、即使全世界都反对，你也要勇往直前
当有人支持你的时候，不管是选定一个新方向还是做一件困难的事情都会比较容易。
但是“坚毅测试”发现，真正考验你的内心力量大小的是在所有人都不支持你、反对你的时候，你是不是还能始终如一。
内心真正强大的人并不是喜欢没有人支持、没有人陪伴，他们只是决不放弃，证明给别人看自己是对的，然后就会有人支持你了。
八、不管有多急、多累，你都要竭尽所能地慢慢来
越是当你已经非常累，非常急，或者感到受委屈的时候，你就越容易出错。这种情况下你的内心会受到极大的考验。
晚清名臣沈葆桢是林则徐的女婿，据说林则徐曾让沈葆桢彻夜抄写一篇加急公文。
为了试试沈葆桢的耐性，林则徐故意把沈葆桢誊了三四个小时的公文扔在一边，找借口让他重抄。
尽管公文再有三四个小时就要发出，沈葆桢也已经十分辛苦，但是他丝毫不急、不乱，更也不觉得是委屈，默默地掌灯重写。
沈葆桢写好后把文件呈给林则徐再看。林则徐大悦：墨迹丝毫不乱，字迹清秀比第一次犹有过之，此子宠辱不惊，未来必成大器。
越是忙、急、累、委屈，就越容易出错，这个时候就请你慢慢来，小心点。
九、你必须善待你的敌人
当你的敌人对你倾斜恶意时，他也是在期望把你拉到跟他一样的水平上，把你变成跟他一样的人。
而内心强大的人绝不会允许别人掌控自己的人生，他们绝对不会因此对自己的敌人或者讨厌的人变粗鲁。
他们会像对待别人一样对自己的敌人，耐心、善良、包容。因为他们绝不容许有任何一个人把自己变low ，即使是敌人也不行。
十、你必须对你的所作所为负责
人们更容易记住一个人是怎么解决问题的，而不提容易记住他是怎么引发问题的。
只要是你造成的问题，你就一定要承担责任，然后解决问题。要做一个永远都负责任的人，即便找个借口再容易不过，也不要这样做。
要知道对一个梦想远大的人来说，明哲保身绝非正途。
你准备好做一个内心强大的人了吗？加油！
于彤的养生理念
于彤的养生理念
于彤，女，98岁，中国10大名老中医，退休中南海，北京诊金最高的中医。
高血压：
（1）香蕉皮30克，晒干水煎喝，每日3次，一个月见效。
（2）用中药罗布麻，开水冲喝，每日15克，半月见效。
（3）银杏叶每日15克，用开水冲喝下，半月见效。
低血压：
甘草20克，桂枝，肉桂各40克，将以上药物混合后当茶冲泡服用一周。
血脂稠：
（1）枸杞子10克，何首乌，草决明，山楂各15克，丹参20克，水煎服，每日两次，四个疗程治愈，（七天为一个疗程）。
（2）山楂. 银杏叶. 绞股蓝各15克，泡茶喝。连服四疗程（半月为一个疗程）
脸上黑星（雀斑）：
元荽（又名香菜），煎汤，一天洗三次，一个疗程治愈。
脚汗、脚臭：
白萝卜煮水，每晚熏洗双脚30分钟，连洗半月治愈。
脚气：
韭菜一斤，煮水十分钟泡脚，每日一次，每次20分钟，三天除根。
神经衰弱：
浮小麦50克，干草24克，大枣20克，酸枣仁30克，混合。水煎服，每天一次，半月治愈。
立治牙疼：
白酒一两，松香15克，泡2小时后用棉花沾酒放在牙疼处，咬紧。5分钟不疼，虫火寒齐清。
根治牙疼：
马蜂窝、红糖各1两，兑两碗水，煎剩下一碗半时让患者喝下，三十年不疼。
口腔炎症：
西瓜皮晒干，炒焦，加冰片少许研末，用蜂蜜调和涂于患处，特效。
烂嘴：
用浓茶叶水，加少许食盐，然后用来漱口，一天三至五次，三日治愈。
咽炎：
海带洗净，烫一下取出，用白糖腌二日后吃，每日三次，每次30克，一付。轻，两付好，三付除根（一斤海带，一斤白糖）。
中耳炎：
韭菜根一两捣烂，挤出水份，加入少许冰片，滴耳，特效。
感冒：
香菜一把，葱白连须5根，生姜10片，水煎，加红糖一两，趁热服，一天两次，一天治愈。
偏头疼：
生萝卜汁适量，用法：仰卧注入鼻中，左痛注右，右痛注左，神效，如加冰片少许更妙。
治头痛：
白芷4克，冰片2克，细辛2克，研成粉卷入纸筒放药粉燃着，用鼻吸入烟气
痔疮：
皮硝一两，槐米半斤。熬水熏洗，每日两次，七天治愈。
阴痒肛痒：
醋500克，盐5克加热洗，一天三次。
鼻出血：
（1）左鼻出血从右耳吹气，右鼻出血从左耳吹气，可立即止血。
（2）用头发烧成灰吹入鼻孔立止（男用母发，女用父发）可根除。
鼻炎：
苍耳子30克，轻轻捣烂放入小勺内，加香油50克火煎，将苍耳子碎渣捞出，用油滴鼻子，一天3至5次。
青光眼：
向日葵盘（去籽）3朵，斩碎水煎一半内服另一半熏洗眼部半月治愈。
快速美容：
鸡蛋三个，用酒泡，密封4至7天，每天以蛋清涂面，七天面如白雪。
青春痘：
用蒲公英2两，熬水喝，一天一付，半月治愈
手足裂：
五倍子适量研末，用矾士林调涂抹缝中，五日治愈。
黑斑：
当归半斤，煮水一碗，用此水抹患处，半月见效。
肩周炎：
生姜一两，芋头二两，去皮捣烂如泥，用布袋装好贴患处，一天两次，四个疗程治愈（七天为一个疗程）。
胆囊炎：
玉米须30克，蒲公英，茵陈各15克。水煎服，每日三次，一个月治愈。
肠胃炎：
木瓜100克，扁豆100克，兑水煮熟吃豆喝汤，一天两次，半月除根。
类风湿性关节炎：
辣椒2两泡白酒2斤，泡七天后洗患处，一天三次，半月治愈。
气管炎：
炒桃仁，白胡椒，枝子，乙醚各25克，碾成碎面，鸡蛋清调和，男左女右贴在脚心处，吃鸡蛋。每天一个，七天特效。
胆结石：
鸡内金10克，焙干研末，白开水冲服，一天三次，一个月治愈。
肾结石 、尿道结石：
核桃仁，冰糖各20克，香油50克，温开水冲服，每天一剂，一个月治愈。
胃病：
血灵脂25克，延胡素，香附佛手各20克，甘松15克，水煎服。一天一剂，半月治愈。
于彤的养生理念
于彤，女，98岁，中国10大名老中医，退休中南海，北京诊金最高的中医。
高血压：
（1）香蕉皮30克，晒干水煎喝，每日3次，一个月见效。
（2）用中药罗布麻，开水冲喝，每日15克，半月见效。
（3）银杏叶每日15克，用开水冲喝下，半月见效。
低血压：
甘草20克，桂枝，肉桂各40克，将以上药物混合后当茶冲泡服用一周。
血脂稠：
（1）枸杞子10克，何首乌，草决明，山楂各15克，丹参20克，水煎服，每日两次，四个疗程治愈，（七天为一个疗程）。
（2）山楂. 银杏叶. 绞股蓝各15克，泡茶喝。连服四疗程（半月为一个疗程）
脸上黑星（雀斑）：
元荽（又名香菜），煎汤，一天洗三次，一个疗程治愈。
脚汗、脚臭：
白萝卜煮水，每晚熏洗双脚30分钟，连洗半月治愈。
脚气：
韭菜一斤，煮水十分钟泡脚，每日一次，每次20分钟，三天除根。
神经衰弱：
浮小麦50克，干草24克，大枣20克，酸枣仁30克，混合。水煎服，每天一次，半月治愈。
立治牙疼：
白酒一两，松香15克，泡2小时后用棉花沾酒放在牙疼处，咬紧。5分钟不疼，虫火寒齐清。
根治牙疼：
马蜂窝、红糖各1两，兑两碗水，煎剩下一碗半时让患者喝下，三十年不疼。
口腔炎症：
西瓜皮晒干，炒焦，加冰片少许研末，用蜂蜜调和涂于患处，特效。
烂嘴：
用浓茶叶水，加少许食盐，然后用来漱口，一天三至五次，三日治愈。
咽炎：
海带洗净，烫一下取出，用白糖腌二日后吃，每日三次，每次30克，一付。轻，两付好，三付除根（一斤海带，一斤白糖）。
中耳炎：
韭菜根一两捣烂，挤出水份，加入少许冰片，滴耳，特效。
感冒：
香菜一把，葱白连须5根，生姜10片，水煎，加红糖一两，趁热服，一天两次，一天治愈。
偏头疼：
生萝卜汁适量，用法：仰卧注入鼻中，左痛注右，右痛注左，神效，如加冰片少许更妙。
治头痛：
白芷4克，冰片2克，细辛2克，研成粉卷入纸筒放药粉燃着，用鼻吸入烟气
痔疮：
皮硝一两，槐米半斤。熬水熏洗，每日两次，七天治愈。
阴痒肛痒：
醋500克，盐5克加热洗，一天三次。
鼻出血：
（1）左鼻出血从右耳吹气，右鼻出血从左耳吹气，可立即止血。
（2）用头发烧成灰吹入鼻孔立止（男用母发，女用父发）可根除。
鼻炎：
苍耳子30克，轻轻捣烂放入小勺内，加香油50克火煎，将苍耳子碎渣捞出，用油滴鼻子，一天3至5次。
青光眼：
向日葵盘（去籽）3朵，斩碎水煎一半内服另一半熏洗眼部半月治愈。
快速美容：
鸡蛋三个，用酒泡，密封4至7天，每天以蛋清涂面，七天面如白雪。
青春痘：
用蒲公英2两，熬水喝，一天一付，半月治愈
手足裂：
五倍子适量研末，用矾士林调涂抹缝中，五日治愈。
黑斑：
当归半斤，煮水一碗，用此水抹患处，半月见效。
肩周炎：
生姜一两，芋头二两，去皮捣烂如泥，用布袋装好贴患处，一天两次，四个疗程治愈（七天为一个疗程）。
胆囊炎：
玉米须30克，蒲公英，茵陈各15克。水煎服，每日三次，一个月治愈。
肠胃炎：
木瓜100克，扁豆100克，兑水煮熟吃豆喝汤，一天两次，半月除根。
类风湿性关节炎：
辣椒2两泡白酒2斤，泡七天后洗患处，一天三次，半月治愈。
气管炎：
炒桃仁，白胡椒，枝子，乙醚各25克，碾成碎面，鸡蛋清调和，男左女右贴在脚心处，吃鸡蛋。每天一个，七天特效。
胆结石：
鸡内金10克，焙干研末，白开水冲服，一天三次，一个月治愈。
肾结石 、尿道结石：
核桃仁，冰糖各20克，香油50克，温开水冲服，每天一剂，一个月治愈。
胃病：
血灵脂25克，延胡素，香附佛手各20克，甘松15克，水煎服。一天一剂，半月治愈。
不要私存，请动手转发朋友圈，让更多人受益！
于彤，女，98岁，中国10大名老中医，退休中南海，北京诊金最高的中医。
高血压：
（1）香蕉皮30克，晒干水煎喝，每日3次，一个月见效。
（2）用中药罗布麻，开水冲喝，每日15克，半月见效。
（3）银杏叶每日15克，用开水冲喝下，半月见效。
低血压：
甘草20克，桂枝，肉桂各40克，将以上药物混合后当茶冲泡服用一周。
血脂稠：
（1）枸杞子10克，何首乌，草决明，山楂各15克，丹参20克，水煎服，每日两次，四个疗程治愈，（七天为一个疗程）。
（2）山楂. 银杏叶. 绞股蓝各15克，泡茶喝。连服四疗程（半月为一个疗程）
脸上黑星（雀斑）：
元荽（又名香菜），煎汤，一天洗三次，一个疗程治愈。
脚汗、脚臭：
白萝卜煮水，每晚熏洗双脚30分钟，连洗半月治愈。
脚气：
韭菜一斤，煮水十分钟泡脚，每日一次，每次20分钟，三天除根。
神经衰弱：
浮小麦50克，干草24克，大枣20克，酸枣仁30克，混合。水煎服，每天一次，半月治愈。
立治牙疼：
白酒一两，松香15克，泡2小时后用棉花沾酒放在牙疼处，咬紧。5分钟不疼，虫火寒齐清。
根治牙疼：
马蜂窝、红糖各1两，兑两碗水，煎剩下一碗半时让患者喝下，三十年不疼。
口腔炎症：
西瓜皮晒干，炒焦，加冰片少许研末，用蜂蜜调和涂于患处，特效。
烂嘴：
用浓茶叶水，加少许食盐，然后用来漱口，一天三至五次，三日治愈。
咽炎：
海带洗净，烫一下取出，用白糖腌二日后吃，每日三次，每次30克，一付。轻，两付好，三付除根（一斤海带，一斤白糖）。
中耳炎：
韭菜根一两捣烂，挤出水份，加入少许冰片，滴耳，特效。
感冒：
香菜一把，葱白连须5根，生姜10片，水煎，加红糖一两，趁热服，一天两次，一天治愈。
偏头疼：
生萝卜汁适量，用法：仰卧注入鼻中，左痛注右，右痛注左，神效，如加冰片少许更妙。
治头痛：
白芷4克，冰片2克，细辛2克，研成粉卷入纸筒放药粉燃着，用鼻吸入烟气
痔疮：
皮硝一两，槐米半斤。熬水熏洗，每日两次，七天治愈。
阴痒肛痒：
醋500克，盐5克加热洗，一天三次。
鼻出血：
（1）左鼻出血从右耳吹气，右鼻出血从左耳吹气，可立即止血。
（2）用头发烧成灰吹入鼻孔立止（男用母发，女用父发）可根除。
鼻炎：
苍耳子30克，轻轻捣烂放入小勺内，加香油50克火煎，将苍耳子碎渣捞出，用油滴鼻子，一天3至5次。
青光眼：
向日葵盘（去籽）3朵，斩碎水煎一半内服另一半熏洗眼部半月治愈。
快速美容：
鸡蛋三个，用酒泡，密封4至7天，每天以蛋清涂面，七天面如白雪。
青春痘：
用蒲公英2两，熬水喝，一天一付，半月治愈
手足裂：
五倍子适量研末，用矾士林调涂抹缝中，五日治愈。
黑斑：
当归半斤，煮水一碗，用此水抹患处，半月见效。
肩周炎：
生姜一两，芋头二两，去皮捣烂如泥，用布袋装好贴患处，一天两次，四个疗程治愈（七天为一个疗程）。
胆囊炎：
玉米须30克，蒲公英，茵陈各15克。水煎服，每日三次，一个月治愈。
肠胃炎：
木瓜100克，扁豆100克，兑水煮熟吃豆喝汤，一天两次，半月除根。
类风湿性关节炎：
辣椒2两泡白酒2斤，泡七天后洗患处，一天三次，半月治愈。
气管炎：
炒桃仁，白胡椒，枝子，乙醚各25克，碾成碎面，鸡蛋清调和，男左女右贴在脚心处，吃鸡蛋。每天一个，七天特效。
胆结石：
鸡内金10克，焙干研末，白开水冲服，一天三次，一个月治愈。
肾结石 、尿道结石：
核桃仁，冰糖各20克，香油50克，温开水冲服，每天一剂，一个月治愈。
胃病：
血灵脂25克，延胡素，香附佛手各20克，甘松15克，水煎服。一天一剂，半月治愈。
不要私存，请动手转发朋友圈，让更多人受益！
Saturday, 11 January 2020
Compensation for loss of employment vs gratuity
Compensation for loss of employment vs gratuity 13.9.2017 Horwath
1. Public ruling 1/2012 - compensation for loss of employment. Gratuity - PR 9/2016.
2. Gratuity is attributable to past services. Compensation for loss of employment is attributable to loss of employment.
3. Compensation for loss of employment - in lieu of notice, breach of contract, release from obligation, ex gratia, redundancy/severance payment or restriction of similar employment.
4. Tax treatment -
a) Due to ill health - fully exempted
b) Other reasons - RM10,000 per completed year of service with same employer or companies in same group.
5. Exception - not applicable to a non - service director of a controlled company - s139 Companies Act (50 shareholders but controlled by 5).
6. VSS
a) reemployment by another company in same group - no tax exemption
b) no reemployment - yes.
7. Full exemption for gratuity - Sch 6 para 25
a) ill health
b) retirement after 55 or compulsory age of retirement based on law - 10 years employment with same employer or group
c) compulsory retirement based on contract at 50 but b4 55 - 10 years employment with same employer or group
8. Effective YA2016 - exemption RM1,000 per completed year of service.
9. Gratuity credited into EPF account - taxable in year credited to EPF account
10. Death gratuity - tax exempt
11. Retirement benefit - taxable unless specifically exempted under s150 ITA.
1. Public ruling 1/2012 - compensation for loss of employment. Gratuity - PR 9/2016.
2. Gratuity is attributable to past services. Compensation for loss of employment is attributable to loss of employment.
3. Compensation for loss of employment - in lieu of notice, breach of contract, release from obligation, ex gratia, redundancy/severance payment or restriction of similar employment.
4. Tax treatment -
a) Due to ill health - fully exempted
b) Other reasons - RM10,000 per completed year of service with same employer or companies in same group.
5. Exception - not applicable to a non - service director of a controlled company - s139 Companies Act (50 shareholders but controlled by 5).
6. VSS
a) reemployment by another company in same group - no tax exemption
b) no reemployment - yes.
7. Full exemption for gratuity - Sch 6 para 25
a) ill health
b) retirement after 55 or compulsory age of retirement based on law - 10 years employment with same employer or group
c) compulsory retirement based on contract at 50 but b4 55 - 10 years employment with same employer or group
8. Effective YA2016 - exemption RM1,000 per completed year of service.
9. Gratuity credited into EPF account - taxable in year credited to EPF account
10. Death gratuity - tax exempt
11. Retirement benefit - taxable unless specifically exempted under s150 ITA.
Effective cross exam of expert witnesses
Effective cross exam of expert witnesses - by Justice Vazeer Alam on 17.5.2017
1. Analyse n mine report for strengths n weaknesses - plan, think ahead (closing speech) n strategise.
2. Discuss with own expert.
3. Ascertain if expert has applied undisputed facts to medical theory.
4. Principle - be schooled by an equally competent expert in the field;
5. 4 lines of attack
a) relevancy n admissibility - s45 science or art: Chandrasekaran 1971 1 MLJ 153
- expert's background
- prior court testimony n reports
- early part of x exam should b reserved to elicit admissions rather than pursuing credibility challenges
b) weaken the factual foundation - conclusion of expert not borne out by facts or he relied on disputed facts; attack assumptions as unreasonable or wrong; facts expert failed to consider;
c) weaken impact of expert's opinion - need to master subject. Expert must have properly followed rules, procedures, methodology n conventions of his discipline. This can b open to attack. Challenge or eclipse
- theory
- methodology
- opinion by contrasting it with opinion of leading authorities
- exposing opinion as a matter of judgment rather than scientific conclusion
- insufficiency of data
- bias or partisanship
- contradicting south expet's previous statements or testimonies
d) rebuttal opinion
Browne v Dunn
1. Analyse n mine report for strengths n weaknesses - plan, think ahead (closing speech) n strategise.
2. Discuss with own expert.
3. Ascertain if expert has applied undisputed facts to medical theory.
4. Principle - be schooled by an equally competent expert in the field;
5. 4 lines of attack
a) relevancy n admissibility - s45 science or art: Chandrasekaran 1971 1 MLJ 153
- expert's background
- prior court testimony n reports
- early part of x exam should b reserved to elicit admissions rather than pursuing credibility challenges
b) weaken the factual foundation - conclusion of expert not borne out by facts or he relied on disputed facts; attack assumptions as unreasonable or wrong; facts expert failed to consider;
c) weaken impact of expert's opinion - need to master subject. Expert must have properly followed rules, procedures, methodology n conventions of his discipline. This can b open to attack. Challenge or eclipse
- theory
- methodology
- opinion by contrasting it with opinion of leading authorities
- exposing opinion as a matter of judgment rather than scientific conclusion
- insufficiency of data
- bias or partisanship
- contradicting south expet's previous statements or testimonies
d) rebuttal opinion
Browne v Dunn
Smart investments in a soft property market
Smart investments in a soft property market by Tang Chee Meng, CEO of Henry Butcher Malaysia on 26.4.2017
1. Property cycle started 2009 n peaked in 2012.
2. Value of residential transactions cane down in 2015.
3. In Melaka, population cannot support supply of condo.
4. Outlook in 2017
a) GDP 4.5%
b) RM dropped. Properties r cheaper
c) Business n consumer sentiment declined
d) One belt one road
e) Chinese capital control
f) Malaysian has young population 42%.
5. Weaker market will offer more opportunities.
6. 3 Rs formula of investing
a) right business
b) right partner
c) right price
7. Investing smartly - Plus + H
a) Preparation
b) Location - infrastructure opens door to new biz n real estate investment opportunities. HSR n ECRL
c) Unique
d) Strength of developer
e) Hold
8. Opportunities
a) Waterfront homes enjoyed higher capital appreciation
b) Landed development
c) Branded development
d) Outstanding architecture
e) TOD development
f) Integrated develoment
g) Future proofed homes - IOT
9. Where to invest
a) Growth areas
b) Established areas
c) Transformation areas
1. Property cycle started 2009 n peaked in 2012.
2. Value of residential transactions cane down in 2015.
3. In Melaka, population cannot support supply of condo.
4. Outlook in 2017
a) GDP 4.5%
b) RM dropped. Properties r cheaper
c) Business n consumer sentiment declined
d) One belt one road
e) Chinese capital control
f) Malaysian has young population 42%.
5. Weaker market will offer more opportunities.
6. 3 Rs formula of investing
a) right business
b) right partner
c) right price
7. Investing smartly - Plus + H
a) Preparation
b) Location - infrastructure opens door to new biz n real estate investment opportunities. HSR n ECRL
c) Unique
d) Strength of developer
e) Hold
8. Opportunities
a) Waterfront homes enjoyed higher capital appreciation
b) Landed development
c) Branded development
d) Outstanding architecture
e) TOD development
f) Integrated develoment
g) Future proofed homes - IOT
9. Where to invest
a) Growth areas
b) Established areas
c) Transformation areas
New Companies Act
Companies Act 2016 by Lee Shih
1. 1 resident director. Quorum: 1
2. Constitution - optional. If no constitution, CA applies
3. AR within 30 days of anniversary of incorporation date
4. Shares held on trust - applicable to all. Notify CCM within 30 days
5. Dividend at discretion of directors. No approval of s/h is required. Solvency test
6. 3 solvency tests
a) redemption of preference shares, capital reduction n financial assistance - solvency statement
b) share buyback - solvency statement
c) dividends - no statement required
7. Capital reduction - either by court order or solvency statement
a) spacial reso
b) advertise
c) creditors may apply to court
8. No AGM for private co. Circulate accounts. Automatic reappointment of auditor. No retirement of directors.
9. Audit exemption - which type of co
10. Written resos - 28 days
11. Board meeting - director present presumed to hv agree to reso unless expressly dissents or votes against
12. Winding up - threshold RM5k or 10k
13.
1. 1 resident director. Quorum: 1
2. Constitution - optional. If no constitution, CA applies
3. AR within 30 days of anniversary of incorporation date
4. Shares held on trust - applicable to all. Notify CCM within 30 days
5. Dividend at discretion of directors. No approval of s/h is required. Solvency test
6. 3 solvency tests
a) redemption of preference shares, capital reduction n financial assistance - solvency statement
b) share buyback - solvency statement
c) dividends - no statement required
7. Capital reduction - either by court order or solvency statement
a) spacial reso
b) advertise
c) creditors may apply to court
8. No AGM for private co. Circulate accounts. Automatic reappointment of auditor. No retirement of directors.
9. Audit exemption - which type of co
10. Written resos - 28 days
11. Board meeting - director present presumed to hv agree to reso unless expressly dissents or votes against
12. Winding up - threshold RM5k or 10k
13.
Automatic exchange of information
Automatic exchange of information on 29.7.2016
AEOI by Fennie Lim,
1. B4 Sept 2017, EOI on request but not effective
2. After sept 2017, AEOI due to base erosion profit shifting n anti money laundering
3. Out of 160 countries, 97 hv signed
4. Common reporting standard - automatic exchange of information of financial account btw tax authorities worldwide
Wealth management by Alvin Yap
5. Level 1 - Advie n willing to do: irrevocable discretionary trust, do a means test (capital statement for 6-7 years), gift to children, gift to charity, offshore will, invest in hard assets or business
6. Level 2 - unable n unwilling to do: invest in countries not parties to agreement, regularization, donate to procreate foundation,donate to LLP where u r not MP, financed single premium universal life policy (cushioning effect), migrate to lower tax countries or change tax residence
7. Structure
a) onshore n offshore family trust
b) working dividend: family dividend 70:30; classes A:B:C = 5:4:2
Universal life policy by Mervyn Goh
8. Protection n equalisation of assets
AEOI by Fennie Lim,
1. B4 Sept 2017, EOI on request but not effective
2. After sept 2017, AEOI due to base erosion profit shifting n anti money laundering
3. Out of 160 countries, 97 hv signed
4. Common reporting standard - automatic exchange of information of financial account btw tax authorities worldwide
Wealth management by Alvin Yap
5. Level 1 - Advie n willing to do: irrevocable discretionary trust, do a means test (capital statement for 6-7 years), gift to children, gift to charity, offshore will, invest in hard assets or business
6. Level 2 - unable n unwilling to do: invest in countries not parties to agreement, regularization, donate to procreate foundation,donate to LLP where u r not MP, financed single premium universal life policy (cushioning effect), migrate to lower tax countries or change tax residence
7. Structure
a) onshore n offshore family trust
b) working dividend: family dividend 70:30; classes A:B:C = 5:4:2
Universal life policy by Mervyn Goh
8. Protection n equalisation of assets
达人语录
阿庚语录
1。人在心在，就会比较开心。
2。 家，不是讲理的地方，是讲爱的地方。
3。 男人，当下面硬的时候，心就软、当下面软的时候，心就硬。
4。不要嘗试了解女人，你在浪费时间。
5。 狗，在你有困难的时候，是不会走人的。人，在你有困难的时候，是会走狗的。
老肥语录
1。不管你的船有多大，到了汪洋, 就会非常渺小。
老水语录
1。女人外面是软的，里面是硬的。
2。出国钱要花光，才能为国增光
1。人在心在，就会比较开心。
2。 家，不是讲理的地方，是讲爱的地方。
3。 男人，当下面硬的时候，心就软、当下面软的时候，心就硬。
4。不要嘗试了解女人，你在浪费时间。
5。 狗，在你有困难的时候，是不会走人的。人，在你有困难的时候，是会走狗的。
老肥语录
1。不管你的船有多大，到了汪洋, 就会非常渺小。
老水语录
1。女人外面是软的，里面是硬的。
2。出国钱要花光，才能为国增光
Town &Country Planning
Town &Country Planning
1. DG of Town n Country Planning
2. State Planning Committee
a) guidelines for zoning
b) guidelines for industrial
c) guidelines on buffer zone
3. Local Council Planner
4. Private developer
a) Consultant Planner - zoning, buffer,
b) architect for design
c) architect for submission
d) M&E consultant
e) C&S consultant - 100 year guarantee
f) Land & Building surveyor
5. S21 - objection by neighbours
a) within 200m
b) One Stop Committee may reject n issue planning permission (KM - kebenaran membangun)
6. Appeals Board - s23 - developer n objectors
1. DG of Town n Country Planning
2. State Planning Committee
a) guidelines for zoning
b) guidelines for industrial
c) guidelines on buffer zone
3. Local Council Planner
4. Private developer
a) Consultant Planner - zoning, buffer,
b) architect for design
c) architect for submission
d) M&E consultant
e) C&S consultant - 100 year guarantee
f) Land & Building surveyor
5. S21 - objection by neighbours
a) within 200m
b) One Stop Committee may reject n issue planning permission (KM - kebenaran membangun)
6. Appeals Board - s23 - developer n objectors
坚持运动 改变作息 恢復健康
坚持运动
改变作息
恢復健康
早睡
甩手功
抬脚
臨睡前十五分钟，分开三次做：
开始「抬脚」后心中默数二百下，然后把脚放下放平，在心中默数一百下作为休息，
之后马上第二次「抬脚」，心中默数二百下，再放下脚休息一百下，
第三次「抬脚」二百下就完成了，一觉睡到天亮。
改变作息
恢復健康
早睡
甩手功
抬脚
臨睡前十五分钟，分开三次做：
开始「抬脚」后心中默数二百下，然后把脚放下放平，在心中默数一百下作为休息，
之后马上第二次「抬脚」，心中默数二百下，再放下脚休息一百下，
第三次「抬脚」二百下就完成了，一觉睡到天亮。
自救方法
四個簡單自救方法分享：
１.噎到東西
處理方式----只要「把手舉起來」
美國五十六歲的雪兒日前在家一邊看電視一邊吃果凍，轉過頭時，一塊果凍卡在喉嚨。她試著擠壓腹部自救，但沒有用，此時孫子史賓斯問：「奶奶，妳噎到嗎! ？」 史都華說不出話。「我猜妳噎到了，奶奶，把手舉起來，把手舉起來。」
史都華照做，結果真的把果凍吐出來。
史賓斯當時很鎮靜，他說這是在學校學到的。噎到東西之處理方式----只要「 把手舉起來」！
２.落枕
您偶爾早上起床會發現自己落枕了嗎？就是脖子疼痛。一旦落枕您該怎麼辦？
一旦落枕時，只要將你的腳抬起來！把大腳姆指給掰開來，慢慢的以順時或逆時的方向按摩旋轉。
3.腳抽筋時
左腳抽筋時高高的舉起右手，右腳抽筋時高高的舉起左手，馬上舒緩。
4.腳麻了
若左腳麻了，先慢後快用力甩你的右手掌；若右腳麻了，則先慢後快甩你的左手掌。
１.噎到東西
處理方式----只要「把手舉起來」
美國五十六歲的雪兒日前在家一邊看電視一邊吃果凍，轉過頭時，一塊果凍卡在喉嚨。她試著擠壓腹部自救，但沒有用，此時孫子史賓斯問：「奶奶，妳噎到嗎! ？」 史都華說不出話。「我猜妳噎到了，奶奶，把手舉起來，把手舉起來。」
史都華照做，結果真的把果凍吐出來。
史賓斯當時很鎮靜，他說這是在學校學到的。噎到東西之處理方式----只要「 把手舉起來」！
２.落枕
您偶爾早上起床會發現自己落枕了嗎？就是脖子疼痛。一旦落枕您該怎麼辦？
一旦落枕時，只要將你的腳抬起來！把大腳姆指給掰開來，慢慢的以順時或逆時的方向按摩旋轉。
3.腳抽筋時
左腳抽筋時高高的舉起右手，右腳抽筋時高高的舉起左手，馬上舒緩。
4.腳麻了
若左腳麻了，先慢後快用力甩你的右手掌；若右腳麻了，則先慢後快甩你的左手掌。
Cut down messages
Campaign to cut down messages on chat groups @ 18.11.2015
I recently read in an article that survey conducted in China reveals that on the average, a Chinese spends 3 hours a day reading messages on weixin. That is a lot of time spent doing something not very productive.
In order to cut down messages on chat groups, I shall follow the following guidelines:
a) I will not reply to group chat if the chat does not require my reply;
b) If posting "ha ha" or a emoticon does not add value to the chat, I shall not post;
c) If I do not call friends early in the morning to wish them “Good morning!” in real life, I shall not do it on group chat. I have stopped reading group chat with a lot of good morning or good night wishes;
d) If my message is meant for a particular member or members of the group, I shall send private message to that member or those members and not bother the other members of the group to look at the message which does not concern them.
Let me start a campaign to cut down messages on group chat. This will save my time and my friends'.
a) If you agree with me, you may adopt the guidelines as yours;
b) If you do not agree, please continue with your practice;
c) If you have other useful guidelines, please share with me.
Thank you.
I recently read in an article that survey conducted in China reveals that on the average, a Chinese spends 3 hours a day reading messages on weixin. That is a lot of time spent doing something not very productive.
In order to cut down messages on chat groups, I shall follow the following guidelines:
a) I will not reply to group chat if the chat does not require my reply;
b) If posting "ha ha" or a emoticon does not add value to the chat, I shall not post;
c) If I do not call friends early in the morning to wish them “Good morning!” in real life, I shall not do it on group chat. I have stopped reading group chat with a lot of good morning or good night wishes;
d) If my message is meant for a particular member or members of the group, I shall send private message to that member or those members and not bother the other members of the group to look at the message which does not concern them.
Let me start a campaign to cut down messages on group chat. This will save my time and my friends'.
a) If you agree with me, you may adopt the guidelines as yours;
b) If you do not agree, please continue with your practice;
c) If you have other useful guidelines, please share with me.
Thank you.
Challenging times ahead 2016
Challenging times ahead - by Anthony Das of AmBank on 11.12.2015
1. Near term moderate global outlook.
2. Global trade is slowing down. Cyclical issue outweighs structural issue. Geopolitical risk becomes greater. IS n Syria. 2016 may see strong war - to divert attention.
3. 2016-19
a) US - 4 trillion in system cf 0.8-1.2 trillion
b) EU - ECB stimulus not strong enough.
c) Japan in recession
d) China - income distribution.
Ginni coefficient - 0.5. If it is high, more rich people. If 0, no poor people. Volume of usage of steel n other material has gone up.
e) India - 8% growth
f) Malaysia - household debt 88%
4. Positive on retail, tourism, education, healthcare.
5. Negative on construction.
6. Real challenge - interest rate policy
US n UK tightening
Euro n Japan - stimulus
China - easing
7. Expect gradual appreciation of Yuan in 2016.
8. By 2032, Malaysia will be aging country.
9. 55% at SPM level. 66 universities, 80 private schools.
1. Near term moderate global outlook.
2. Global trade is slowing down. Cyclical issue outweighs structural issue. Geopolitical risk becomes greater. IS n Syria. 2016 may see strong war - to divert attention.
3. 2016-19
a) US - 4 trillion in system cf 0.8-1.2 trillion
b) EU - ECB stimulus not strong enough.
c) Japan in recession
d) China - income distribution.
Ginni coefficient - 0.5. If it is high, more rich people. If 0, no poor people. Volume of usage of steel n other material has gone up.
e) India - 8% growth
f) Malaysia - household debt 88%
4. Positive on retail, tourism, education, healthcare.
5. Negative on construction.
6. Real challenge - interest rate policy
US n UK tightening
Euro n Japan - stimulus
China - easing
7. Expect gradual appreciation of Yuan in 2016.
8. By 2032, Malaysia will be aging country.
9. 55% at SPM level. 66 universities, 80 private schools.
Outlook 2016
Looking ahead, Navigating 2016 - by Chow Kar Tzen on 6.4.2016
1. Outflow 2015 - 20b. March 2016 - 6b inflow
2. Gold up 18.3% @ 18.3.2016
3. Adjustment process underway - 5 fundamental areas
4. Credit down cycle
a) EM low growth n commodity prices.
b) DM on credit upcycle.
c) Household debt in Malaysia 87.9%
d) korea, Taiwan n Japan export decline near crisis level
5. Central bank
a) ineffective
b) meditative interest rate environment driving yields lower
c) weak US PMI
d) Eurozone unemployment n CPI necessitates QE
e) Japan CPI necessitates QE
6. China
a) Li Ke Qiang index at 2.3%, same as 2008
b) mfg remains weak, services holding up
c) Target GDP growth 6.5 - 7%
7. Currency depreciation
a) Yuan: key currency to watch. Stabilising
8. Commodity price collapse
a) CPO outperforming
b) Oil bottomed? Probably in 2017
9. Valuation
a) P/B MSCI Ex Japan - cheapest since GFC
10. Technicals
a) cash at elevated level - highest since Nov 2001
b) most crowded trades: short EM, long US$
11. Hwang's proposition
a) diversification - asset classes n countries
b) still optimistic on Asia - growing 5.4%
1. Outflow 2015 - 20b. March 2016 - 6b inflow
2. Gold up 18.3% @ 18.3.2016
3. Adjustment process underway - 5 fundamental areas
4. Credit down cycle
a) EM low growth n commodity prices.
b) DM on credit upcycle.
c) Household debt in Malaysia 87.9%
d) korea, Taiwan n Japan export decline near crisis level
5. Central bank
a) ineffective
b) meditative interest rate environment driving yields lower
c) weak US PMI
d) Eurozone unemployment n CPI necessitates QE
e) Japan CPI necessitates QE
6. China
a) Li Ke Qiang index at 2.3%, same as 2008
b) mfg remains weak, services holding up
c) Target GDP growth 6.5 - 7%
7. Currency depreciation
a) Yuan: key currency to watch. Stabilising
8. Commodity price collapse
a) CPO outperforming
b) Oil bottomed? Probably in 2017
9. Valuation
a) P/B MSCI Ex Japan - cheapest since GFC
10. Technicals
a) cash at elevated level - highest since Nov 2001
b) most crowded trades: short EM, long US$
11. Hwang's proposition
a) diversification - asset classes n countries
b) still optimistic on Asia - growing 5.4%
大量阅读的重要性
大量阅读的重要性一一李家同教授 @ 5.8.2017
1. 语文能力
a) 很快就看懂文章,而且抓到文章的重点
b) 正确而且清楚地表达自己的想法
c) 文章必须合乎逻辑,不会自枸矛盾
d) 文章内的想法不落俗套,有独到的见解
要达到以上能力,必须靠大量阅读
1. 语文能力
a) 很快就看懂文章,而且抓到文章的重点
b) 正确而且清楚地表达自己的想法
c) 文章必须合乎逻辑,不会自枸矛盾
d) 文章内的想法不落俗套,有独到的见解
要达到以上能力,必须靠大量阅读
Medical negligence
Practical aspects of medical malpractice litigation
- by Manmohan Singh Dhillon on 22.6.2018
1. O40A RoC - expert evidence.
2. O76
3. Claims vs government - to add government officer against whom beach of duty was alleged as D
Lay Kee Tee (2009) 1 CLJ 663 FC
4. Limitation period: Phua Chin Chew 1987 2 MLJ 604
5. Fraud - s29
6. At common law, patients hv no right of access to medical records. S107(2)(g) Private Health Care, Facilities and services Act - patients hv right of access to medical records
7. Pre-action discovers - O24 r7A. Nurul Husna 2015 1 CLJ 825
8. Internal inquiry records - BA Rao 1978 2 MLJ 146. Not privileged document as it was not prepared for litigation.
- by Manmohan Singh Dhillon on 22.6.2018
1. O40A RoC - expert evidence.
2. O76
3. Claims vs government - to add government officer against whom beach of duty was alleged as D
Lay Kee Tee (2009) 1 CLJ 663 FC
4. Limitation period: Phua Chin Chew 1987 2 MLJ 604
5. Fraud - s29
6. At common law, patients hv no right of access to medical records. S107(2)(g) Private Health Care, Facilities and services Act - patients hv right of access to medical records
7. Pre-action discovers - O24 r7A. Nurul Husna 2015 1 CLJ 825
8. Internal inquiry records - BA Rao 1978 2 MLJ 146. Not privileged document as it was not prepared for litigation.
正确读音
正确读音
单音字括号内为正确读音
酗(序)酒 揠(亚)苗 砧(真)板 舐(是)犊 箴(珍)言 书笺(肩) 贮(注)存 纨绔(裤) 迁徙(喜) 簇(醋)拥 玷(电)污 嗾(叟)使 鞭笞(吃) 饿殍(瞟) 嗔(抻)怒 狙(拘)击 干涸(河) 翩跹(仙) 蓦(漠)然 抚恤(序) 愤懑(闷) 龋(取)齿 桎梏(固) 按捺(纳) 回溯(诉) 讣(副)告 斡(沃)旋 汲(鸡)取 窠(科)臼 潸(山)然 妊娠(身) 惴(坠)惴 栉(至)风 针砭(匾) 喟(溃)然 湍(tuan阴平)急
吸吮(shun上声) 高耸(song上声)
怙(户)恶不悛(quan阴平)
铿(坑)锵(枪)
容易读白字的词和成语的正确读音
拓(榻)片 禅(善)让 呆(癌)板 咯(卡)血 屏(丙)息 侧(摘)歪 自怨自艾(义) 审时度(夺)势 心宽体胖(盘) 一叶扁(篇)舟
单音字括号内为正确读音
酗(序)酒 揠(亚)苗 砧(真)板 舐(是)犊 箴(珍)言 书笺(肩) 贮(注)存 纨绔(裤) 迁徙(喜) 簇(醋)拥 玷(电)污 嗾(叟)使 鞭笞(吃) 饿殍(瞟) 嗔(抻)怒 狙(拘)击 干涸(河) 翩跹(仙) 蓦(漠)然 抚恤(序) 愤懑(闷) 龋(取)齿 桎梏(固) 按捺(纳) 回溯(诉) 讣(副)告 斡(沃)旋 汲(鸡)取 窠(科)臼 潸(山)然 妊娠(身) 惴(坠)惴 栉(至)风 针砭(匾) 喟(溃)然 湍(tuan阴平)急
吸吮(shun上声) 高耸(song上声)
怙(户)恶不悛(quan阴平)
铿(坑)锵(枪)
容易读白字的词和成语的正确读音
拓(榻)片 禅(善)让 呆(癌)板 咯(卡)血 屏(丙)息 侧(摘)歪 自怨自艾(义) 审时度(夺)势 心宽体胖(盘) 一叶扁(篇)舟
Father's advice
Advice to Zher @ September 2018
1. Do the best you can in everything you do.
2. Be kind.
3. Find the thing that you are passionate about, that you love to do, and pursue it.
4. Success does not come easy. So work hard.
5. To compete in future, you need innovative mind, good command of English and good communication skills.
6. Make friends when you don’t need them. Do make friends with your class and school mates. You will find them useful in future.
7. Health is very important to us. Try to do exercise at least 3-4 times a week. A healthy body will give us an active and productive mind.
8. Drink occasionally but never get drunk. You will regret all the things you did or said when drunk.
1. Do the best you can in everything you do.
2. Be kind.
3. Find the thing that you are passionate about, that you love to do, and pursue it.
4. Success does not come easy. So work hard.
5. To compete in future, you need innovative mind, good command of English and good communication skills.
6. Make friends when you don’t need them. Do make friends with your class and school mates. You will find them useful in future.
7. Health is very important to us. Try to do exercise at least 3-4 times a week. A healthy body will give us an active and productive mind.
8. Drink occasionally but never get drunk. You will regret all the things you did or said when drunk.
Aim fast for success
Aim fast for success - Dennis Tan @11.1.2019
1. Friendly n helpful
2. Accuracy - standardisation
3. Speed of work -
4. Timeliness - extension
Within 1 month
1. Friendly n helpful
2. Accuracy - standardisation
3. Speed of work -
4. Timeliness - extension
Within 1 month
How to ride out market cycles in 2019
How to ride out market cycles in 2019 - by Teng Chee Wai @ 15.1.2019
1. Best asset class in 2018 - cash 1.8%.
2. Strategists don't like China. They like India.
3. Economic cycle showing signs of maturing. 115 months of expansion globally.
4. Probability of recession is 15% now. Market expectations for next recession is pushed to 2020.
5. Trade war and prolonged government shutdown in US.
6. Shrinking global liquidity by central banks. 2019 marks start of next liquidity withdrawal by central banks.
7. Interest rate cycle is nearing tail end. Market expect zero interest rate hike.
8. Expert Fad to pause and USD to peak in 2019.
9. Valuation is cheaper. Price to book for Asia ex-Japan at 1.5x.
10. Negative market sentiment - indicates buying.
11. China - easing cycle is unfolding. Wait for Q2 economic data. Pump priming started in July 2018.
12. Malaysia - KLCI down 3% but FBM Midcap down 16.2%.
13. Downside risk is earnings. Q2 earnings growth is 0.
14. Keep faith in Malaysia Baru.
15. Action plan for 2019 - uncertain fundamentals; attractive valuations and favourable positioning.
Focus on quality and liquidity.
1. Best asset class in 2018 - cash 1.8%.
2. Strategists don't like China. They like India.
3. Economic cycle showing signs of maturing. 115 months of expansion globally.
4. Probability of recession is 15% now. Market expectations for next recession is pushed to 2020.
5. Trade war and prolonged government shutdown in US.
6. Shrinking global liquidity by central banks. 2019 marks start of next liquidity withdrawal by central banks.
7. Interest rate cycle is nearing tail end. Market expect zero interest rate hike.
8. Expert Fad to pause and USD to peak in 2019.
9. Valuation is cheaper. Price to book for Asia ex-Japan at 1.5x.
10. Negative market sentiment - indicates buying.
11. China - easing cycle is unfolding. Wait for Q2 economic data. Pump priming started in July 2018.
12. Malaysia - KLCI down 3% but FBM Midcap down 16.2%.
13. Downside risk is earnings. Q2 earnings growth is 0.
14. Keep faith in Malaysia Baru.
15. Action plan for 2019 - uncertain fundamentals; attractive valuations and favourable positioning.
Focus on quality and liquidity.
ICap global investor week
Global investor week @ 14.4.2019
US and China - illusion and truths - James Bradley
1. Bill Binny.
2. Americans need an enemy. Military spends trillion US$.
3. Swiss propaganda research.
4. Michael Klare.
Huawei - is it a threat to the world? - Professor David De Cremer
1. Execution and re-election.
2. 81,144 Chinese employees own 98.6% of company. Ren Zhengfei 1.4%. Law pod China does not allow foreign ownership.
3. Iron triangle
a) face customer and developer relationship,
b) costly?
c) irony
4. Every employee is treated as a hero. Now he talks about imperfect heroes - tolerance towards failure n weakness. Failure in 50% of projectors are accepted.
5. Reflection.
6. Leadership is to get people to do better that so that he does less.
7. Adapt to changes. Adaptability requires openness.
China's economic strength versus her political strength - Victor Gao Zhikai
1. Deng Xiaoping introduced new concept of socialism with Chinese characteristic.
a) development is the hard truth.
b) Methodology: Practice is the only measure of truth.
c) Inviting foreign investors into China.
d) Sent hundreds of thousands of students overseas.
2. Lifting 600-700 million people out of poverty.
3. Important pillars of China's opening:
a) stability;
b) keep peace, internally n internationally;
c) development is the hard truth;
d) no complacency. Never despair or despondent.
4. Reform is a never ending process.
5. Megatrend: China's continued growth. China has no intention of overtaking US.
6. Reciprocating zero tax published on South China Morning postin Jan 2019.
How does Africa perceive China - Professor Peter Kagwanja
1. Avoiding Kindleberger trap - Failure of US to provide global public goods.
2. New architecture of providing global public goods.
3. 67 countries are participating in BRI, only 3 on Africa - Djibouti, Kenya n Egypt.
China's Belt and Road Initiative - implications for Asian countries and the rest off the world - Dr Goh Chor Ching
1. Needs for better connectivity. To China, it is based purely on profitability.
2. Improved logistic performance with better transport infrastructure.
3. From infrastructure expanded to power, telecommunication, e-commerce etc.
Understanding China - a country the world needs vs one that needs the world - Tan Teng Boo
1. Modernisation is not westernisation.
2. Mutual respect needed for sustainable development.
US and China - illusion and truths - James Bradley
1. Bill Binny.
2. Americans need an enemy. Military spends trillion US$.
3. Swiss propaganda research.
4. Michael Klare.
Huawei - is it a threat to the world? - Professor David De Cremer
1. Execution and re-election.
2. 81,144 Chinese employees own 98.6% of company. Ren Zhengfei 1.4%. Law pod China does not allow foreign ownership.
3. Iron triangle
a) face customer and developer relationship,
b) costly?
c) irony
4. Every employee is treated as a hero. Now he talks about imperfect heroes - tolerance towards failure n weakness. Failure in 50% of projectors are accepted.
5. Reflection.
6. Leadership is to get people to do better that so that he does less.
7. Adapt to changes. Adaptability requires openness.
China's economic strength versus her political strength - Victor Gao Zhikai
1. Deng Xiaoping introduced new concept of socialism with Chinese characteristic.
a) development is the hard truth.
b) Methodology: Practice is the only measure of truth.
c) Inviting foreign investors into China.
d) Sent hundreds of thousands of students overseas.
2. Lifting 600-700 million people out of poverty.
3. Important pillars of China's opening:
a) stability;
b) keep peace, internally n internationally;
c) development is the hard truth;
d) no complacency. Never despair or despondent.
4. Reform is a never ending process.
5. Megatrend: China's continued growth. China has no intention of overtaking US.
6. Reciprocating zero tax published on South China Morning postin Jan 2019.
How does Africa perceive China - Professor Peter Kagwanja
1. Avoiding Kindleberger trap - Failure of US to provide global public goods.
2. New architecture of providing global public goods.
3. 67 countries are participating in BRI, only 3 on Africa - Djibouti, Kenya n Egypt.
China's Belt and Road Initiative - implications for Asian countries and the rest off the world - Dr Goh Chor Ching
1. Needs for better connectivity. To China, it is based purely on profitability.
2. Improved logistic performance with better transport infrastructure.
3. From infrastructure expanded to power, telecommunication, e-commerce etc.
Understanding China - a country the world needs vs one that needs the world - Tan Teng Boo
1. Modernisation is not westernisation.
2. Mutual respect needed for sustainable development.
Digital evidence
Digital evidence - 16.8.2019
Cybercrime and digital evidence - Tom Dougherty
1. Cyberspace exists on hardware. Location of hardware important to jurisdiction in civil n criminal cases.
2. Cybercrime - any criminal offences involving illegal access of computer data or system; any computer-enabled criminal offences.
3. Digital e.g. confidence= cyber evidence = computer evidence = electric evidence.
4. Broad categories of cybersome
a) acts vs computer data n systems - illegal accesses aka hacking - data interference;
b) computer related acts for personal or financial gain - fraud, ransomware, identity theft, copyright, trademark n secret violations;
c) computer related specific acts - racism.
5. Digital evidence
a) human generated;
b) compete generated - IP logged ISPs;
c) hybrid - meta data - IRC chat logs with time stamps.
6. Location - computer, intranet, internet, external digital storage devices, mobile devices, social media, IOT.
7. Hash value to prove authenticity.
Identify, preserve n analyse digital evidence - ...
1. Pre-search, search, post search n trial phases.
2. On-line file storage.
3. Synchronizing our life with everything we do.
4. Take photo, check time, image RAM, encription, image hard drive.
5. Digital DNA. MD5 Hash, SHA-I hash.
6. Carving deleted files.
7. Common dialog box explorer - recent docs ( last 20 docs) - NS Office reading locations - link files (149) - JumpLists (2000 for each programme).
Mobile devices - understanding the challenges - Daniel Ogden
1. Security features OS, manufacturer, carriers.
2. 114 manufacturers, 17,000 models.
Cybercrime and digital evidence - Tom Dougherty
1. Cyberspace exists on hardware. Location of hardware important to jurisdiction in civil n criminal cases.
2. Cybercrime - any criminal offences involving illegal access of computer data or system; any computer-enabled criminal offences.
3. Digital e.g. confidence= cyber evidence = computer evidence = electric evidence.
4. Broad categories of cybersome
a) acts vs computer data n systems - illegal accesses aka hacking - data interference;
b) computer related acts for personal or financial gain - fraud, ransomware, identity theft, copyright, trademark n secret violations;
c) computer related specific acts - racism.
5. Digital evidence
a) human generated;
b) compete generated - IP logged ISPs;
c) hybrid - meta data - IRC chat logs with time stamps.
6. Location - computer, intranet, internet, external digital storage devices, mobile devices, social media, IOT.
7. Hash value to prove authenticity.
Identify, preserve n analyse digital evidence - ...
1. Pre-search, search, post search n trial phases.
2. On-line file storage.
3. Synchronizing our life with everything we do.
4. Take photo, check time, image RAM, encription, image hard drive.
5. Digital DNA. MD5 Hash, SHA-I hash.
6. Carving deleted files.
7. Common dialog box explorer - recent docs ( last 20 docs) - NS Office reading locations - link files (149) - JumpLists (2000 for each programme).
Mobile devices - understanding the challenges - Daniel Ogden
1. Security features OS, manufacturer, carriers.
2. 114 manufacturers, 17,000 models.
世编新语:坚决反对就是Menyokong
世编新语:坚决反对就是Menyokong @ 16.8.2019
94岁老耆甲穿黑白鞋 连同小姐乙召开记者招待会 。他说，我今天有话要说，请小姐乙帮我做翻译。
甲: 我坚决反对男女同厕。
乙: Saya menyokong tandas lelaki dan perempuan berasingan。
甲: 我同意人人生而平等。
乙: Saya menyokong sangat hak lelaki perempuan menggunakan tandas。
甲: 我支持男女厕所分开。
乙: Saya menyokong teramat sangat tandas diberi seks lelaki dan perempuan。
感谢我儿子的母校为menyokong注入新义，坚决反对，同意及支持 都是menyokong, 程度不同而巳。
今后如果我儿孑反对我干涉他的生活:不要成天看手机、不要无事熬夜，我就叫他用母校教的国语重说一遍。
94岁老耆甲穿黑白鞋 连同小姐乙召开记者招待会 。他说，我今天有话要说，请小姐乙帮我做翻译。
甲: 我坚决反对男女同厕。
乙: Saya menyokong tandas lelaki dan perempuan berasingan。
甲: 我同意人人生而平等。
乙: Saya menyokong sangat hak lelaki perempuan menggunakan tandas。
甲: 我支持男女厕所分开。
乙: Saya menyokong teramat sangat tandas diberi seks lelaki dan perempuan。
感谢我儿子的母校为menyokong注入新义，坚决反对，同意及支持 都是menyokong, 程度不同而巳。
今后如果我儿孑反对我干涉他的生活:不要成天看手机、不要无事熬夜，我就叫他用母校教的国语重说一遍。
Old guests new guests
Old guests vs new guests @Sept 2019
My son wants to invite his friends to our house to celebrate his 21st birthday. I say no and he asks why. Here is why.
If you invite guests to the house, very soon some of us will become guests too. Soon after, a distinction will be made between old and new guests and the "old guests" will be asked to leave the house and go back to our old house. You know we don't have any old house to go back to.
In future, who knows, the new guests may become the owners of the house and all of us remaining owners may be chased out of the house.
Scary, right! So, let's not invite anybody to the house!
Ms son says I have lost my sense of logic. Have I?
My son wants to invite his friends to our house to celebrate his 21st birthday. I say no and he asks why. Here is why.
If you invite guests to the house, very soon some of us will become guests too. Soon after, a distinction will be made between old and new guests and the "old guests" will be asked to leave the house and go back to our old house. You know we don't have any old house to go back to.
In future, who knows, the new guests may become the owners of the house and all of us remaining owners may be chased out of the house.
Scary, right! So, let's not invite anybody to the house!
Ms son says I have lost my sense of logic. Have I?
E-Lelong
E-Lelong
1. Execution fee - 3%. Non refundable. Pay once only. to state in AIS receipt. Can b paid in any HC.
2. IDT - 7 days b4 auction. Upload any time b4. Upload for each OS.
3. Memo of sale - email. Bidder to stamp MOS.
4. Form 16F - bidder to send to Centre in 2 envelopes.
5. Add property - sale together. Add new auction - separate sale.
6. Separate sale - different POS. Hv to choose only 1 way.
7. Mistake - app to amend. If not done b4 auction, auction will b aborted.
8. Deposit may b made at HC. Sols to collect HC.
9. Bidding - log in 15 minutes b4 auction.
10. Auction may b cancelled at any time b4 bidding starts.
1. Execution fee - 3%. Non refundable. Pay once only. to state in AIS receipt. Can b paid in any HC.
2. IDT - 7 days b4 auction. Upload any time b4. Upload for each OS.
3. Memo of sale - email. Bidder to stamp MOS.
4. Form 16F - bidder to send to Centre in 2 envelopes.
5. Add property - sale together. Add new auction - separate sale.
6. Separate sale - different POS. Hv to choose only 1 way.
7. Mistake - app to amend. If not done b4 auction, auction will b aborted.
8. Deposit may b made at HC. Sols to collect HC.
9. Bidding - log in 15 minutes b4 auction.
10. Auction may b cancelled at any time b4 bidding starts.
Lexis law
Lexis law @ 12.12.2019
1. MLJU - can print with Lexis logo.
2. Can save in folder.
3. Breach - fraud = breach n fraud.
4. Search within results.
5. Other jurisdiction - check topics.
6. Advance search.
7. Alert - bell icon.
1. MLJU - can print with Lexis logo.
2. Can save in folder.
3. Breach - fraud = breach n fraud.
4. Search within results.
5. Other jurisdiction - check topics.
6. Advance search.
7. Alert - bell icon.
Conveyancing scam
Conveyancing scam @ 22.8.2019
1. Insurance company may increase base excess in conflict of interest cases or dishonesty or misconduct of partners up tp RM250,000.
2. Circular 158/2017 from BC.
3. Clubbing principle - fraud by same clerk considered as 1 claim or same mistake in multiple SPA.
4. Praktis website - alert, Jurisk!
5. Failure to diarise is inexcusable.
6. Blanket undertaking - assumption of additional liability
a) BC ruling 14.28 - no unequivocal undertaking by lawyers;
b) PII may repudiate
7. Rajamani's case - policy decision. Law protect buyer.
8. Liputan Simfoni -
1. Insurance company may increase base excess in conflict of interest cases or dishonesty or misconduct of partners up tp RM250,000.
2. Circular 158/2017 from BC.
3. Clubbing principle - fraud by same clerk considered as 1 claim or same mistake in multiple SPA.
4. Praktis website - alert, Jurisk!
5. Failure to diarise is inexcusable.
6. Blanket undertaking - assumption of additional liability
a) BC ruling 14.28 - no unequivocal undertaking by lawyers;
b) PII may repudiate
7. Rajamani's case - policy decision. Law protect buyer.
8. Liputan Simfoni -
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