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⊙銳氣藏於胸，和氣浮於臉，才氣見於事，義氣施於人。

⊙我們一定要明白，不要要求別人跟自己一模一樣……既是別人，就必然有"別"。

      

⊙不可隨便舉手，舉一只，是同意，舉兩只，是投降。

       

⊙如果不識貨，一時窮;如果不識人，一世苦。

       

⊙不要去欺騙別人，因為你能騙到的，都是愿意相信你的人。

        

⊙沒有人富得可以不要別人的幫助，也沒有人窮得不能在某個方面給別人幫助。

        

⊙真誠並不意味著一定要指責別人的缺點，但一定不要恭維別人的缺點。

        

⊙當我們是少數時，可以測試自己的勇氣;當我們是多數時，可以測試自己的寬容。

最

最开心的事——山穷水复疑无路，柳暗花明又一村。

最快的船——两岸猿声啼不住，轻舟已过万重山。

最难找的人——只在此山中，云深不知处。

最害羞的人——千呼万唤始出来，犹抱琵琶半遮面。

最多的愁——问君能有几多愁，恰似一江春水向东流。

最瘦的人——帘卷西风，人比黄花瘦。

最憔悴的人——衣带渐宽终不悔，为伊消得人憔悴。

最忧愁的人——抽刀断水水更流，举杯消愁愁更愁。

最深的情——桃花潭水深千尺，不及汪伦送我情。

最寂寞的时候——举杯邀明月，对影成三人。

最大的瀑布——飞流直下三千尺，疑是银河落九天。

最深的雪——夜来城外三尺雪，晓驾碳车辗冰辙。

最长的头发——白发三千丈，缘愁似个长。

最穷的女人——右手秉遗穗，左臂悬敝筐。

最长的脸——去年一滴相思泪，今年刚流到腮边。

最大的额头——未出庭院三五步，额头已到画堂前。

最大的门窗——窗含西岭千秋雪，门泊东吴万里船。

最恐惧的地方——千山鸟飞绝，万径人踪灭。

最无才的人——两句三年得，一吟双泪流。

最多的爱——后宫佳丽三千人，三千宠爱在一身。

最浓的情——金风玉露一相逢，便胜却人间无数。

最长的情——天长地久有时尽，此恨绵绵无绝期。

最苦的酒——酒入愁肠，化作相思泪。　

最孤独的人——孤舟蓑笠翁,独钓寒江雪。　

最喜欢喝酒的人——醉卧沙场君莫笑，古来征战几人回。

最悠闲的人——采菊东篱下，悠然见南山。

最勇敢的人——但使龙城飞将在，不教胡马度阴山。

最不安分的女人——春色满园关不住，一只红杏出墙来。

最忙碌的人——城头铁鼓声又震，匣里金刀血未干。

最有计谋的士兵——射人先射马，擒贼先擒王。

最有志气的人——至今思项羽，不肯过江东。

最孤独的人——前不见古人，后不见来者。

最美的女人——回媚一笑百媚生，六宫粉黛无颜色。

最高的危楼——危楼高百尺，手可摘星辰。

最远的朋友——海内存知己，天涯若比邻。

最难寻找的东西：上穷碧落下黄泉，两处茫茫皆不见。

最强烈的春风：忽如一夜春风来，千树万树梨花开。

醉得最死的人——昨夜风急雨骤，浓睡难消残酒。

酒量最大的人——百年三万六千日，一日须倾三百杯。

爬得最高的人——举手可近月，前行若无山。

脸皮最厚的人——待到重阳日，还来就菊花。

离家最久的人——少小离家老大回，乡音无改鬓毛衰。

架子最大的人——天子呼来不上船，自称臣是酒中仙。

被风吹得最远的房子——茅飞渡江撒江郊，高者挂之长林梢。

眼力最差的人——众里寻他千百度，蓦然回首，那人却在灯火阑珊处。

Investing: Five things NOT to do in a bear market

By Peter Hodson

   Jan. 23 (Financial Post) -- Most markets, and certainly

most currencies and commodities, are now officially in a bear

market. That's the arbitrary term for anything that is down 20

per cent from its peak. Of course, many stocks are down 40 or

50 per cent or more, so we might need a new term to describe

them - zombie market? That is, dead but still moving?

   Many investors fear a bear market, because it almost

guarantees they will lose money. It also creates opportunities,

so we would not suggest running away from a bear. With that in

mind, here are five things not to do in a bear market.

   (1) Don't change strategies 

If you are on a losing soccer

team, you don't decide at halftime to suddenly put your star

striker in goal. Changing strategies isn't going to work, so

stick with your game plan.

   If you are a value investor, don't start buying growth

stocks. Utilize your strengths. The market is bad enough

without you trying to learn a new investment strategy all of a

sudden.

   (2) Don't expect it to always be down 

After seeing relentless

selling, day after day after day, you might resign yourself to

continued losses. This is one of the worst things investors can

do. When everyone expects losses, that's usually about the time

markets turn around.

   Keep your eyes open for opportunities. There is always

something that might make you some money some day, but you need

to be watching for it. For example, shareholders who stuck with

Progressive Waste Solutions Ltd. are up 18 per cent so far this

year on a takeover bid.

   Whenever there is panic, selling opportunities abound, but

you can't benefit from them if you are hiding under your desk.

   (3) Don't buy expensive hedge products 

Exchange-traded-fund

providers and brokers might offer all sorts of ways to hedge

your portfolio in a bear market, from market-linked GICs to

triple-down leveraged short ETFs.

   These products are always expensive, and often do not work

as intended, even in a continued decline. The barn door is

already open, the horses have left.

   Whether these are appropriate products or not (almost

always not), the time to buy market insurance is before the

bear market has hit, not after.

   (4) Don't panic and sell In a bear market

many so-called

experts will start touting doom-and-gloom scenarios. Like RBS's

announcement to "sell everything," or others talking about

"financial Armageddon."

   It can be scary listening to these folks, but there have

been bear markets in the past, and there will be bear markets

in the future. The world, contrary to popular belief, is not

ending just because oil has broken US$30, and the Nasdaq is

down 12 per cent.

   Old investors, like me, have seen it all before. Do not

panic and sell. You may see more losses, but panicking is never

a solid investment strategy.

   (5) Don't bet on a reversal 

Many investors bought energy

stocks when oil hit US$40 on the belief that there was no way

oil could drop to US$30. Well, here we are, well below US$30

and many are predicting US$10 as the next stop.

   Likewise, Baytex Energy Corp. investors thought its stock

might turn around at $10 per share, yet this week it dropped

below $2. I do not know where oil is going to bottom out, and

neither do you. Just because something has dropped 50 per cent

does not mean it cannot drop another 75 per cent. Do not bet on

any recovery. Stick with a strategy and diversify.

   

Peter Hodson, CFA, is CEO of 5i Research Inc., an

independent research network providing conflict-free advice to

individual investors (www.5iresearch.ca).

醒言

Six A to Parenting

Six A to Parenting

Acceptance and Appreciation are two important foundations of the parent-child relationship "House". Acceptance focuses on Being, that the existence of the child itself is of primary importance. Appreciation focuses on effort, that the trying itself is all important whilst the outcome is secondary. 

Affection and Availability are two important pillars to the House. It is the child's views of affection and availability that counts.  It's not what the parents think they have given but what the child feels he receive.

After a firm foundation is built and strong pillars are added, we them can begin to finish the House with Accountability and Authority as ceiling and roof.  While it is important for a House to have proper ceiling and good roofing, we must be careful not to over burden the House with too heavy a top.

Acceptance 

-- is to acknowledge that every kid is unique and special

-- is to treasure the child's existence and not what he does

-- helps the kids to accept themselves

-- builds security and self worth

Appreciate

-- is about catching the kids doing something right

-- focuses on efforts and not the end results

-- allows kids to feel good about themselves

-- helps the kid not to grow into a perfectionist

Affection

-- reinforces the presence of both parents and kids

-- can be seen in the awesome power of a simple hug

Availability (LOVE is actually spelled T-I-M-E)

-- is making time to be a hero

-- is spending time (kids do not distinguish quality versus quantity) 

Accountability

-- helps develop self discipline and decisiveness by setting limits

-- starts with parents (accountable parents raise accountable kids)

Authority

-- is knowing when to stop so that parents don't drive the kids crazy

凡事、皆莫过头

凡事、皆莫过头

勇敢过头，就成鲁莽;

机敏过头，就成圆滑;

执着过头，就成偏执;

自信过头，就成狂妄;

老实过头，就成迂腐;

精明过头，就成愚昧;

贪婪过头，就成腐败;

随意过头，就成胡来;

放心过头，就成放任;

谦虚过头，就成虚伪;

持重过头，就成呆板;

谦让过头，就成软弱;

宽容过头，就成纵容;

宠爱过头，就成溺爱;

计划过头，就成犹豫;

理想过头，就成空想；

讲理过头，就成计较。

Home wisdom

Home wisdom

I asked myself how to handle life.  My HOUSE 🏠 gave me the answers:

ROOF says : Aim high ✈

FAN says : Be cool 💨

CLOCK says: Value time ⏰

CALENDAR says :  Be up to date 📅

WALLET says : Save now for the future 💰

MIRROR says : Always observe yourself ⬜

WALL says : Share others' load 💪

WINDOW says :  Expand your vision 😳

FLOOR says :  Always be down to earth 🌍

STAIRS says : Watch each step you take 🏃🏽

TOILET BOWL says :  When it's time to let go,  just let it go  .....  🚽