Friday 25 May 2007

HR Letter to All Employees

To all Employees: Effective 15 March 2007

Dress Code
1. It is advised that you come to work dressed according to your salary. If we see you wearing Prada shoes and carrying a Gucci bag, we assume you are doing well financially and therefore do not need a pay raise.

2. If you dress poorly, you need to learn to manage your money better, so that you may buy nicer clothes, and therefore you do not need a pay raise.

3. If you dress just right, you are right where you need to be and therefore you do not need a pay raise.

Sick Days

We will no longer accept a doctor's certificate as proof of sickness.If you are able to go to the doctor, you are able to come to work.

Holiday Days

Each employee will receive 104 personal days a year. They are called Saturday & Sunday.

Compassionate Leave

This is no excuse for missing work. There is nothing you can do for dead friends, relatives or co-workers. Every effort should be made to have non-employees attend to the arrangements.In rare cases where employee involvement is necessary, the funeral should be scheduled in the late afternoon. We will be glad to allow you to work through your lunch hour and subsequently leave one hour early.

Toilet Use

1. Entirely too much time is being spent in the toilet. There is now a strict three-minute time limit in the cubicles.

2. At the end of three minutes, an alarm will sound, the toilet paper roll will retract, the cubicle door will open, and your picture will be taken.

3. After your second offence, your picture will be posted on the company notice board under the "Chronic Offenders" category.

4. Anyone caught smiling in the picture will be sanctioned under the company's mental health policy.

Lunch Break
1. Skinny people get 30 minutes for lunch, as they need to eat more so that they can look healthy.

2. Normal size people get 15 minutes for lunch to get a balanced meal to maintain their average figure.

3. Chubby people get 5 minutes for lunch, because that's all the time needed to drink a Slim-Fast.

Thank you for your loyalty to our company. Remember we are an employer of choice and we are here to provide a positive employment experience.Therefore, all questions, comments, concerns, complaints, frustrations, irritations, aggravations, insinuations, allegations, accusations, contemplations, consternation and input should be directed elsewhere.

To My Friends..

*** To My Friends Who Are *** SINGLE

Love is like a butterfly. The more you chase it, the more it eludes you. But if you just let it fly, it will come to you when you least expect it. Love can make you happy but often it hurts, but love's only special when you give it to someone who is really worth it. So take your time and choose the best.

*** To My Friends Who Are *** NOT SO SINGLE

Love isn't about becoming somebody else's "perfect person." It's about finding someonewho helps you become the best person you can be.

*** To My Friends Who Are *** PLAYBOY/GIRL TYPE

Never say "I love you" if you don't care. Never talk about feelings if they aren't there. Never touch a life if you mean to break a heart . Never look in the eye when all you do is lie. The cruellest thing a guy can do to a girl is to let her fall in love when he doesn't intend to catch her fall and it works both ways...

*** To My Friends Who Are *** MARRIED

Love is not about "it's your fault", but "I'm sorry". Not "where are you", but "I'm right here." Not "how could you", but "I understand." Not "I wish you were", but "I'm thankful you are."

*** To My Friends Who Are *** ENGAGED

The true measure of compatibility is not the years spent together but how good you are for each other.

*** To My Friends Who Are *** HEARTBROKEN

Heartbreaks last as long as you want and cut as deep as you allow them to go. The challenge is not how to survive heartbreaks but to learn from them.

*** To My Friends Who Are *** NAIVE

How to be in love: Fall but don't stumble, be consistent but not too persistent, share and never be unfair, understand and try not to demand, and get hurt but never keep the pain.

*** To My Friends Who Are *** POSSESSIVE

It breaks your heart to see the one you love is happy with someone else but it's more painful to know that the one you love is unhappy with you.

*** To My Friends Who Are *** AFRAID TO CONFESS

Love hurts when you break up with someone. It hurts even more when someone breaks up with you. But love hurts the most when the person you love has no idea how you feel.

*** To My Friends Who Are *** STILL HOLDING ON

A sad thing about life is when you meet someone and fall in love, only to find out in the end that it was never meant to be and that you have wasted years on someone who wasn't worth it. If he isn't worth it now he's not going to be worth it a year or 10 years from now. Let go.....

TO ALL MY FRIENDS
My wish for you is a man/women whose love is honest, strong , mature , never-changing, uplifting, protective, encouraging, rewarding and unselfish.

Would You Go Back

You have this friend since elementary and after college the both of you
lost contact with each other.
But she is someone really special to you, and you are someone very
special to her too. Five years later you receive a phone call from her.
Hi, I'll visit you" she says.
"Hi, Leah, when?" you ask her.
"Just wait for me" she replies.
It seems weird but you prepare for her coming anyway.
One rainy night you hear a knock on the door.
And you're surprised to see that it's your friend Leah.
Losing touch for five years is so long and you start talking about
everything.
The both of you even go to your room upstairs.
Suddenly there is a power outage, but the two of you continue talking by
candle-light.
Then the phone rings.
"I'll just get the phone downstairs," you say.
"No, don't get it, we're in the middle of our talk," she says.
"It might be important," you say.
"Okay if you say so, but Promise me you'll be back," she says.
You promise her a million times that you'll be back.
Then you run downstairs to answer the phone.
"Hello," you say.
"Hello," says the person on the line.
"Yeah?" you say, wondering who it is.
"I'm calling on behalf of Leah's family.
They had an accident and her parents are in the hospital right now," he
says.
"How are they?" you ask.
He continues, "They are injured but stable. But I'm sorry to say that
Leah died. We found your name and phone number in Leah's purse..."
His voice trails off as you look up at the long stairs.




WOULD YOU GO BACK AS YOU HAVE PROMISED?

90/10 Principle by Stephen Covey

The 90/10 Principle by Stephen Covey

Discover the 90/10 Principle. It will change your life.

What is the 90/10 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%.ow? 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 what happened. What happens when the 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 forplacing 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 finishbreakfast 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 terribly. As it continues, it seems to get worse and worse. You look forward to coming home, When you arrive home, you find a 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, "It's 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 out your 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 no thing 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. There never seem to be a success in life. Bad days follow bad days. Terrible things seem to be constantly happening. There is constant stress, lack of joy, and broken relationships. Worry consumes time. Anger breaks friendships and life seems dreary and is not enjoyed to the fullest. Friends are lost. Life is a bore and often seems cruel. Does this describe you? If so, do not be discouraged.

You can be different! Understand and apply the 90/10 principle. It will change your life.

Body Language During Job Interview

TIPS: Body Language During Job Interviews Postures and body movements are unconscious forms of expressions and therefore they have a language of their own. We are unaware of our gestures and body movements most of the time, but other people can notice our gestures and movements if they pay attention to and know what they mean.

An important thing to be noted here is that body language applies not only to the interviewer but also to the interviewee. Also, note that these gestures may happen throughout the conversation or a discussion and they change as the conversation progresses.

The objective of paying attention to nonverbal communication is to help you change the direction of the conversation. If the person is showing negative gestures, then you need to change the topic by asking a new question or talking about something else. In this issue of the Career Headlines, we provide you a comprehensive list of probable body gestures, which you can watch out for during a course of a job interview.

1.Crossed arms - means that the person is in a defensive and reserved mood.

2 .Crossed arms and legs - means that the person feels very reserved and suspicious.

3 .Open arms and hands - means that the person is open and receptive.

4 .Standing before you with hands inside the pockets - means he is not sure or feels suspicious.

5 .Standing before you with hands on hips - means he is receptive and ready to help you out.

6 .Sitting in a chair shaking one of the legs - means he feels nervous and uncomfortable.

7 .If the eyes are downcast and face turned away - means he is not interested in what you are saying.

8 .With the palm of the hand holding or supporting chin - means he is in an evaluating position and being critical.

9 .Leaning back in chair with both hands clasped behind head - means he is in an analytical mood, but it is also a gesture of superiority.

10 .Rubbing or touching nose when asking a question - means he is not telling the complete truth.

11 .Rubbing or touching nose when answering a question - means he is not telling the complete truth.

12 .Rubbing the back of head or rubbing or touching the back of neck - means the conversation is not really interesting.

13 .If he moves his body and sits with his feet and body pointing towards a door - means he wants to end the conservation and leave the room.

Last but not the least do not underestimate the importance of your posture and subtle movements. Even if you are nervous try not to show it. Don't play with your jewellery, watch, clothes, bag, twirl your hair or cross your arms, and try to maintain an eye contact with the interviewer. If staring straight into recruiter's eye makes you feel uncomfortable or uneasy, try to look at the portion between the eyes instead- it looks like you're still making an eye contact, but might be less distracting. All the Best!

FAMILY

F A M I L Y
I ran into a stranger as he passed by,
"Oh excuse me please" was my reply.
He said, "Please excuse me too; I wasn't watching for you."
We were very polite, this stranger and I.
We went on our way and we said goodbye.

But at home a different story is told,
How we treat our loved ones, young and old.
Later that day, cooking the evening meal,
My son stood beside me very still.
When I turned, I nearly knocked him down.
"Move out of the way," I said with a frown.

He walked away, his little heart broken.
I didn't realize how harshly I'd spoken.
While I lay awake in bed,
God's still small voice came to me and said,
"While dealing with a stranger,
common courtesy you use,
but the family you love, you seem to abuse.

Go and look on the kitchen floor,
You'll find some flowers there by the door.
Those are the flowers he brought for you.
He picked them himself: pink, yellow and blue.
He stood very quietly not to spoil the surprise,
you never saw the tears that filled his little eyes."

By this time, I felt very small,
And now my tears began to fall.
I quietly went and knelt by his bed;
"Wake up, little one, wake up," I said.
"Are these the flowers you picked for me?"
He smiled, "I found 'em, out by the tree.
I picked 'em because they're pretty like you.
I knew you'd like 'em, especially the blue."

I said, "Son, I'm very sorry for the way I acted today;
I shouldn't have yelled at you that way."
He said, "Oh, Mom, that's okay. I love you anyway."
I said, "Son, I love you too, and I do like the flowers, especially the blue."
FAMILY

Are you aware that if we died tomorrow, the company that we are working for could easily replace us in a matter of days. But the family we left behind will feel the loss for the rest of their lives. And come to think of it, we pour ourselves more into work than into our own family, an unwise investment indeed, don't you think? So what is behind the story?
Do you know what the word FAMILY means? FAMILY = (F)ATHER (A)ND (M)OTHER (I) (L)OVE (Y)OU

10 Most Dangerous Mistakes YOU Probably Make With Men

A Special Letter For Women Only...

"The Ten Most Dangerous Mistakes YOU Probably Make With Men—
And What To Do About It..."

MISTAKE #1: Betting YourLove Life On His “Potential”
Do you know any women who want the man they're dating to behave differently?
Of course you do. And just like me, I'm sure you have friends who date guys who don't have much going for them or who don't treat them very well. Somehow these women always have an excuse for the guy's shortcomings. What's going on here? It's actually very simple. Women (and men) don't base their choices of men on how "nice" or "good" someone is to them day-to-day. Women choose the men they do because they feel a powerful GUT LEVEL ATTRACTION for them. And guess what? Some women will continue to put up with a guy that doesn't treat them very well. Sometimes for months or years...But why in the world would a woman do that!? Well, to put it simply, they confuse the strong attraction they feel for the guy with a deeper "connection". Women who do this are doomed to end up in failed relationships with the "wrong" guys. How do I know? Because I've seen it at least a hundred times... And because I've been this guy in the past myself.Thinking back on past dating and relationships I've had, I was selfish and didn't offer much. I'm amazed the women put up with me. But they did...all the while hoping that I would somehow change. The women I dated hoped I'd change. The only thing they saw in me that led them to want to keep me around was the "potential" they saw in me to share my feelings and communicate with them.The potential for something better and the potential for me to change and be a better lover, boyfriend, companion or whatever...The truth was, I was hopelessly bad at these things at the time. And more importantly, I wasn't even at a place in my life where I knew how to or was interested in developing a deep and committed relationship - with ANYONE. But deep down these women believed that if they tried hard enough, that it would make up for what was lacking.They believed that I could become someone else with them.... and that this would be easy for us both. Talk about a losing battle. It doesn't make a lot of "logical" sense... But until you accept that lots of women do this AND that YOU could be doing it on some level, you'll NEVER have the success with men that you choose and want.

MISTAKE #2: Assuming You“Get” Men & Their Psychology
Men are different from women. You need to accept this fact, and deal with it. When a woman sees a man, she can very quickly pick apart certain things about his style, body language, status and character that will tell her all kinds of things about him. Lot's of women don't even consciously see that they do this because the process is so obvious and simple for them. But does the same apply for men? As you probably already know, men are generally more visual.
As a result, they often don't understand non-verbal communication as well as women. And men often lack what women have in emotional awareness and "intuition". Women don't seem to remember this about men. So do men feel sexually attracted to w0men based just on looks? Or is something else going on? Well, after studying this topic for years now, and talking to thousands of men and women, I can tell you that men have their "attraction mechanisms" triggered by things OTHER than looks. Especially when it comes to longer term relationships. Looks just happen to be the most obvious way...But looks are NOT the most powerful.If you know how to use your body language AND communication correctly, you can make men feel the same kind of powerful sexual attraction to you that YOU feel when you see that hot, great looking guy that you got to know. But it's not an accident. You have to LEARN how to do this. And ANY woman can learn how...

MISTAKE #3: Pretending To Be Something For A Man
In the desire to please a man, women are constantly doing things to get a man's attention, to get him to like them or to make him more attracted or in love with them. Another HORRIBLE idea. Lots of women mistakenly think that doing unusual things to try and get a guys attention will make him magically see what a great catch they are and want to be with them. Wrong. Men YOU TRULY WANT are never attracted to the types of women who kiss up to them, make weak plays for affection or complain to get what they want... EVER. Don't get me wrong here. Things like being sexy for a man or encouraging him to share his feelings can be good, but it has to be genuine, unselfish, and most of all timely. You don't have to act like an "easy" woman for men to like you, and you certainly don't have to play like he's some gift to the Earth. Doing these things actually works to subtly, at an subconscious level, lower your social status with a man, which has EVERYTHING to do with how he sees you as a woman. So if you think that making him more attracted to you means "playing to the man's fantasies" from the start, think again. You'll never succeed by looking for a man's approval, finding your way into his heart through sex and not being yourself.

MISTAKE #4: Sharing How You“Feel” Too Early With Him
Another huge and unfortunate mistake that most women make with men is sharing how they "feel" too early on. Listen... Attractive, single, successful men are rare.They get a LOT of attention from women. Most women don't realize this, but attractive men are being approached in one way or another all the time by women. And guess what? Attractive men have usually dated a lot of women. That's right. They have EXPERIENCE. They know what to expect. And one thing that turns an attractive men off and sends him running away faster than just about anything...It's a woman who starts saying "You know, I really, REALLY like you" after one or two dates. This signals to the man that you're just like one of those "clingy" stereotype women who want to rush into a relationship and can't control yourself from wanting a man to fulfill them and complete their lives. This does NOT spell ATTRACTION for a man. Don't do it. Lean back. Relax. There's a much better way...

MISTAKE #5: Misreading The Important “Signals” That Men Send
Men are constantly communicating how they feel about a woman and giving away big secrets about themselves. Most women don't pay attention to these signals or recognize them for what they really are. The signals men send have 4 main levels:
1) Social: Where the man is at in his own life - stability, confidence, direction
2) Emotional: Whether or not he's "emotionally available"
3) Physical: If he's attracted to you... and for what reasons
4) Love State: If he's open to building and growing a relationship in the future

The funny thing is that men send signals in these areas completely on accident. That's great news to women...Men can't help it!You need to learn to recognize these signals to get anywhere serious with a man.

MISTAKE #6: Relying OnYour Natural Ability To Judge A Man's Character
People aren't easy to figure out. Especially men. The last several years of my life I've spent hundreds of hours learning to understand people. I've studied peoples behavior, "inner psychology" and more specifically how they think and act when they're dating. From what I've seen, both men and women have their own secret ways of saying things. But you can only see these secret communications if you know what to look for. Women communicate with hints, body language, sarcasm, and flirting when they're first getting to know a man. They can either directly or indirectly let men know if they're open to something more serious. Men are different. Men generally communicate with sarcasm, humor, cockyness and other "indirect" displays of status. VERY RARELY will a man be able to honestly communicate to a woman whether or not he's ready or capable of developing a meaningful relationship. Aside from their sexual interests, men send very indirect signals about where they're at. If you don't know how to read through the signals men send, then you'll get the wrong message. Getting the wrong messages from men causes women more pain and heartache than any other issue around. You can avoid this pain if you learn to indentify a good man from a bad one.

MISTAKE #7: Expecting A Relationship To Make You Happy
A mistake I've seen women make is thinking a guy will change her life and make her happy and fulfilled. And sure, there are situations and relationships where this happens. But those are the exceptions, not the rule. Nothing says "Run!" to a man faster than hearing or sensing that a woman immediately wants him to take care of her. And the men who ARE looking for this kind of situation aren't exactly the most healthy, loving, nurturing people out there. Think, "controlling, macho, or serious Mom Issues!" So let me be clear... I think it's important that people help fulfill each other in their lives, whether it's dating, a relationship, whatever. But if a woman communicates that she's looking for a guy to take care of her, complete her, make her whole, and all that kind of stuff - it has a VERY negative effect on what the man will think of her. It doesn't have to be spoken by the woman either... If a woman thinks or feels this way, the man will see it and pick up on it, regardless. This is arguably the worst thing a woman can do early on when dating a man. So what can you do as a woman? You can get the man interested and involved in your life in a more "natural" way, where he'll be motivated to make you care about your happiness and fulfillment on his own. This is the only way it really works for people - male or female. Self-motivation is much stronger than external motivation. But you have to know how to create this situation with a man... and it rarely happens by accident.

MISTAKE #8: Trying To “Convince”Him To Like You Or Love You
What do most women do when they meet a man that they REALLY like... but he's just not that interested or isn't as serious? Right! They try to "convince" the man to feel differently. Well, I have news for you...YOU WILL NEVER CHANGE HOW A MAN "FEELS" WHEN IT COMES TO ATTRACTION! Never, ever, ever. You cannot convince a man to feel differently about you with "logic and reasoning". Think about it. If a man doesn't "feel it" for you, how in the world do you expect to change that by being "reasonable" with him? But we all do it. Men are the worst at this by the way. They're always complimenting women who don't like them and buying them gifts. Women like the behavior sometimes, but it NEVER makes the woman like the man. She might enjoy what she gets out of it, but it doesn't change the way she FEELS about him. When a man just isn't interested, women will try and chase, compliment, convince and do their best to change his mind with logical and rational approaches. Bad idea. Another one that will never work.

MISTAKE #9: Not Knowing What To Do In Each Type Of Situation
A man has a clear idea of what he wants from a woman...And I don't mean just sex. I know, it might be hard to believe, but if you're out on a date with a man, he already has an idea of what he wants from you. And if you don't know HOW to find this out, and you just sit there looking at him and flirting, or trying things you think will make him want you, he won't help! If you don't know what to do in each situation, you'll probably screw it up... and LOSE EVERYTHING.

MISTAKE #10: Not Getting Help
This is the biggest mistake of all. This mistake keeps women from EVER having the kind of success and finding the kind of man and relationship that they truly want. I know, you don't like to make yourself look weak or helpless. We don't like to ask for help. Hey, I've been there myself.


Let me tell you a little about me. Over the last few years it's been hard to watch the women around me (even those I dated) struggle to understand the men they were attracted to or dating. It frustrated the hell out of me and I made the decision to do whatever it took to help the women I knew learn how to be successful with men and dating. Well, after a lot of hard work and doing all kinds of crazy things to learn the real-world truth about men and women, I finally figured things out for myself.I've read hundreds of books on psychology, human behavior, dating/relationship advice for men and women, love, attraction, communication, and more. The list goes on. I can now approach just about any situation with dating and feel confident and understand everything that's going on in an interaction. Best of all, I've been able to share my knowledge and help women become more successful with men and dating. It's been a very rewarding experience, and it's how I became fascinated with the female perspective in the dating world. I've helped women get rid of that sick, insecure feeling... the one you get when you're lonely, you've been hurt or lied to, or when a man you have feelings for says "he's not ready". You don't have to be afraid you might wind up being lied to, cheated on or that you'll end up alone.

To sign up for my free newsletter AND download your copy of this online eBook, just go here:
Free Dating Advice Newsletter And Download eBook

And I'll talk to you again soon.

Your Friend,

Christian Carter

Wednesday 23 May 2007

Use This In Your Life


Talk softly,

Walk humbly,

Eat sensibly,

Breathe deeply,

Sleep sufficiently,

Dress smartly,

Act fearlessly,

Work patiently,

Think truthfully,

Believe correctly,

Behave decently,

Learn practically,

Plan orderly,

Earn honestly,

Save regularly,

Spend intelligently,

Love passionately,

ENJOY COMPLETELY!

Birthdate Meanings

Birthday Date Meanings

Is your birthday day 1 of the month?
Your Life
You are very curious and dedicative. When you are interested in something,
everything else has to wait. This is your quality. But if you learn to be
more patient and complete what you have started, you will be successful in
life.
Your Love
You believe in love at first sight. You won't wait to learn more about the
person. Vise versa, people who fail to impress you will hardly get a chance
to be your friend. Your emotion is on the extreme. You can only love or
hate, nothing in between and this often shows in your _______expression. Try not to
end a relationship in a quarrel.
-----------------------------------------------------------
Is your birthday day 2 of the month?
Your Life
You have great common sense but usually fail to follow through. This might
happens because you are too busy with your mission and shut yourself from
the outside world. You are clever and profound so there's a slight chance
for self-control problem.
Your Love
Your love progress slowly, and quietly. You seem to be contented with your
unrequited love. Your are a romantic and loyal lover.
-----------------------------------------------------------
Is your birthday day 3 of the month?
Your Life
Although you are innocent and romantic but your _______expression often mislead
others that you are an active, fun loving kid. Because of your double
personality, it's hard for others to really know the real you. You are
careful and patient.
Your Love
Your love is the greatest which often surprises others. No one can bring you
to light when you are in love. Your confidence
might lead you to the track your parents disagree .
-----------------------------------------------------------
Is your birthday day 4 of the month?
Your Life
You usually think before acting which makes your life quite easy. But you
often are the one who give yourself a hard time by being paranoid. People
might not truly understand you but you are really nice to be around. You are
cheerful and friendly.
Your Love
Still water runs deep, that's what you are. You always surprise others with
your new character when you are in love. Your love trap often comes
unexpectedly and your love life is full of surprises.
-----------------------------------------------------------
Is your birthday day 5 of the month?
Your Life
Although you are on the quiet side, but you enjoy excitement and changes.
Routine is something you cannot stand. Because of your extreme confidence,
you hardly ask others for opinion. You believe in leading your own life, and
you have got the gift in doing so.
Your Love
Nothing can stop you from making progress in your love life. Once you are in
love, you feel the ownership of your lover. A third party can only makes
your jealousy becomes worse.
-----------------------------------------------------------
Is your birthday day 6 of the month?
Your Life
You are generous with people in need, sometimes to an extreme that people
find you nosey. Your hidden courage and dedication often surprise others.
Your imagination is extremely unique.
Your Love
Your love life is on the smooth track because it grows from friendship.
Although you may not make a sweet lover but your sincerity bring happiness
to your couple.
-----------------------------------------------------------
Is your birthday day 7 of the month?
Your Life
You are sensitive to changes around you but your feeling is hardly
expressed. You hate exaggerations. Under your quiet personality, you are
rather stubborn and self-centered. These qualities are the force behind your
extreme persistence.
Your Love
You have enormous courage to please your lover. Your relationship often
progress quickly.
-----------------------------------------------------------
Is your birthday day 8 of the month?
Your Life
You have pleasant and friendly personality. People look u to your wit and
imagination. You are unpredictable and hardly complete what you started,
which sometimes create negative impact to people around you.
Your Love
Falling in love becomes your routine. Most of the time you are lucky. You
fascinate people with good taste but you never have enough with one.
Although your love progresses very fast, it never lasts.
-----------------------------------------------------------
Is your birthday day 9 of the month?
your Life
You often have problem in promoting yourself, just because you don't know
how to express your true self. On the other hand, you don't really care what
they think. This is why people misunderstand you until they really get a
chance to learn about your pleasant personality.
Opposite sex find you mysterious and worth searching. Your wit is remarkable
but sometimes you are too fast to follow.
Your Love
You won't reveal your feeling even after dreaming about the same guy over
and over. Your first love lasts forever. You are responsible to the feeling
of your lover. The chance to betray your lover is none. You have luck with
children. You Will be Happy Always with u r Love Marraige. and she
-----------------------------------------------------------
Is your birthday day 10 of the month?
Your Life
You are very capable. If you are a woman, you have high chance to be a
renowned workingwoman. If you are a man, your path to fame and honor is
near. As an innovator, you are not a good follower. You are good in
implementing your imagination and share it with
others. You are always well dressed.
Your Love
You often lose your love ones from being too jealous. You always feel like
you own the person you fall in love with and that often blows your
relationship.
-----------------------------------------------------------
Is your birthday day 11 of the month?
Your Life
You are gracious, elegant and prudent. People admire your qualities and some
even become jealous of you. You are realistic, flexible and adaptable. You
are remarkably kind and moral person.
Your Love
You are willing to sacrifice yourself for the one you love. Your lover will
always have your gentleness, care and loyalty. You will always be happy to
hand around the one you love.
-----------------------------------------------------------
Is your birthday day 12 of the month?
Your Life
You are friendly, humorous and full of energy. You are open-minded and do
not care for minor details. Your weak point is your hot temper.
Your Love
You are willing to start off in one-sided love affairs because you strongly
believe that you will eventually win his/her heart. On the other hand, once
you are together, you always want to do things your way, which is often the
fire starter. You usually run in and out of love quickly.
-----------------------------------------------------------
Is your birthday day 13 of the month?
Your Life
You are sincere and easy going. Flattering and charming around are not your
style. You care so much for freedom that often leads you to the difficult
path. Because of your sincerity, most people find you easy to be around
although you are sometimes too straightforward.
Your Love
Your gentleness, care and sincerity make you an attractive person.
Eventhough you don't intend to be charming, but you naturally are,
especially in the eyes of opposite sex.
----------------------------------------------------------
Is your birthday day 14 of the month?
Your Life
You are so confident that sometimes you forget about the people around you.
If you have to be in one of the two teams, you will choose to be in the
winning team. On the other hand, you are kind and caring but above all, you
care for your own benefits. Your imagination is
unique and often gets implemented shortly after it comes across.
Your Love
You will not get soft with the one you don't really like, no matter how hard
he/she tries. But once you feel for someone you have chosen, there's no
getting back.
-----------------------------------------------------------
Is your birthday day 15 of the month?
Your Life
You are outgoing and love to be at the center of attention. From the
outside, you may seem flashy, flirty, and tricky but your true self is
strong, full of hope to be the leader. When you
fail to convince someone, you will get frustrated, and perhaps let your
temper shows.
Your Love
You are emotional. Many can win your heart at once, but not for long. This
is why you hardly win a decent relationship
-----------------------------------------------------------
Is your birthday day 16 of the month?
Your Life
You always follow the good and the right instead of listening to your heart.
Another word, you are a perfectionist. You care for every word people say
about you. You often seen isolated while you are, by nature, curious and a
dreamer who is ready to get over the edge to make
your dream comes true.
Your Love
You often fall in love with a person who is much different from you, in age
and other aspects. Your relationship grows on friendship. Love at fist sight
is not your style.
-----------------------------------------------------------
Is your birthday day 17 of the month?
Your Life
You neither want to be interfered nor have the desire to mess with others'
life. But you are friendly and occasionally a party animal. You are always
in a circle of friends. You often do things in your own way that
occasionally go beyond the acceptable limit. People may find you childish
and not very attractive in that sense.
Your Love
Your fun-loving character attracts opposite sex. Many of those are great.You
often find yourself trapped among a few great guys while you have to choose
only one.
-----------------------------------------------------------
Is your birthday day 18 of the month?
Your Life
At first glance, people think you are quiet type of person. Actually you are
cheerful, but conditionally. You will show your joyful character only in
good mood. One the other hand, when you are moody, no one would dare to be
around... Because of your emotion fluctuation and frank character, some find
you hard to be around.
Your Love
You hardly show your feeling towards opposite sex no matter how much you
like him/her. Your partner also has similar character so your love affairs
often take quite a while to flourish. Time tells it all. Your sincerity
makes you very attractive.
-----------------------------------------------------------
Is your birthday day 19 of the month?
Your Life
You are great in managing everything in your life and this is how you gain
respect from others. Because of this quality, you sometimes feel that you
are better than the rest. Extreme confidence might lead you to the wrong
path. You are a free bird and want to lead your
own life.
Your Love
You love life is rather different from others'. When you are in love,
nothing can stop you. You may often fight with your partner but, soon after
that, you will make up in a way that surprises others.
-----------------------------------------------------------
Is your birthday day 20 of the month?
Your Life
You are prudent, circumspect and take things seriously. Before you make any
move, you will think of a few alternatives that might take a while. You are
patient, imaginative and target oriented. You value friendship more than
anything else.
Your Love
You usually study your partner carefully before making any move. You never
demand anything beyond the natural quality of that person. Your sincerity
doesn't bring excitement in your love life but it brings deeply grown
relationship.
-----------------------------------------------------------
Is your birthday day 21 of the month?
Your Life
You are curious and a true follower. You can please someone so much that it
seem like you are trying to charm that person. You hide your disagreement
under your smiling face. This is a charming quality of yours.
Your Love
You are quite unlucky in love. You are loved by someone you don't like while
your dream man is so far away. Your love life is occasionally under
turbulence. Sometimes you don't have the clear view of the guy in your
heart.
-----------------------------------------------------------
Is your birthday day 22 of the month?
Your Life
You have the boss character, but not a leader. Most people look up to you
for your capability and confidence although they find you quite stubborn.
You should listen more to others. You are a unique and charming individual.
Your Love
You hardly take the moderate track. You either love or hate someone. Whom
you call friends are the chosen ones. If any of them betray you, you won't
let them get away without having hard time.
-----------------------------------------------------------
Is your birthday day 23 of the month?
Your Life
You never live your life in the way others want you to. You are an
independent individual who loves challenges and excitement. You are ready to
face with the result of your decision. You are usually the one your friends
count on.
Your Love
Because you love excitements, you occasionally get involved in forbidden
love affairs. You may fall in love with a married person and no one can stop
you from making progress. You are very charming, although you might not
realize it.
-----------------------------------------------------------
Is your birthday day 24 of the month?
Your Life
You are very optimistic and that's why you always enjoy life. You are gifted
in entertaining others. Your friends love and trust you. You'll be the first
they come to when they are in need of someone to speak their heart out.
Your Love
Sometimes you fall in love just because you want to be in love, not that you
really like that person. You always be seen as a sweet couple but you can't
really get over your love ones from past. Your partner is usually crazy
about you because you are remarkably charming and
romantic.
-----------------------------------------------------------
Is your birthday day 25 of the month?
Your Life
You are a warrior. No obstacle can stop you from reaching your goal. You
always keep yourself busy. This quality plus your responsibility will
eventually bring you success.
Your Love
You adore your partner as the number one priority. You value your love one
more than yourself. Your love is the greatest of all and your have potential
to get married young.
-----------------------------------------------------------
Is your birthday day 26 of the month?
Your Life
You are always curious and responsive to changes. Routine life is not the
way you choose to live. Travelling is your favorite hobby because excitement
is what you are after.
Your Love
You will not stand being around the one you dislike. Your love comes and
goes quickly. You can be deeply in love but soon after you will be looking
around for the next one.
-----------------------------------------------------------
Is your birthday day 27 of the month?
Your Life
You are sensitive and vulnerable. Tears often run down your cheeks even when
the matter is not that bad. This might be the result from being to
pessimistic. You might seem cold on the shell, but your inner self is a kind
loving person.
Your Love
You will be elegantly dressed, no matter how casually dressed your date may
be. You are emanding in love and sometimes to an unacceptable extend.
-----------------------------------------------------------
Is your birthday day 28 of the month?
Your Life
You are a capable person but you usually underestimate your own ability.
This is the cause of missing numbers of opportunity to step forward. If you
try to give yourself a chance, you can be successful in life. Try to see
things on the bright side and you will be happier than ever.
Your Love
You are quite unlucky in love. The one in your arm is not the one in your
heart. Your love has so many ups and downs. You often chicken out before
seeing any progress in love.

Islamic Banking Dilemma in Malaysia

Recent developments in Malaysia

Malaysia as a regional islamic financial centre

  • Kuala Lumpur as regional resource centre
  • Labuan IOFC as platform to foreign currency bond issue and regional HQ for financial institutions offering islamic finance

Penetration rate of 20% vis-a-vis

  • Banking industry market by 2010 in terms of assets, financing and deposit
  • Insurance industry's market share(assets, contributions)
  • Full fledged islamic banking operations

Problems concerning customers of IB:

  • Bai-bithaman Ajil (BBA) Financing
  • Legal documentation

Selected Islamic Legal Maxims for IB:

  • Profit goes with responsibility
  • The intentions and meaning, not the wording or the construction of contract must be considered.
  • An act is judged in accordance with its intentions.
  • Preventions of evils takes precedence over bringing about benefits

Legal disputes:

BIMB v. Tinta Press

BIMB v. Adnan Omar

Dato' Nik Mahmood v. BIMB

Affin Bank v. Zulkifli Abdullah

THE CRUX OF THE DISPUTE:

A bank under the Islamic Banking Act 1983, is a company. Banking, incorporation and regulation of companies falls within the Federal Lists. The Civil Courts will have jurisdiction over Islamic Banks and Shariah Courts will not preside islamic banking cases.

The civil judges make judgments based on written legal documents and not what islamic commercial law said or implied.

Conclusion: Can anyone suggest/recommend suitable remedy for the fatal defects above?

1.Should a special tribunal be set up just to hear islamic banking disputes

2.Amend the constitution and let the Shariah Court hear islamic banking cases

who move my cheese

Let me share with you, the important lessons learnt in the book 'who move my cheese' written by Dr. Spencer Johnson 1998.

Cheese is a metaphor for what you want to have in life whether its a good job, a loving relationship, money or possession or health.

Maze is where you look for what you want, the organization you work in or your family or community you live in.

The object the author wants to putforth are:
1. Anticipate change
2. Adapt to change quickly
3. Enjoy change
4. Be ready to change quickly again and again

Some of the lines, i liked most are:

"Letting go and trust what lay ahead..therefore enjoy self more and more. When you move beyond your fear, you feel free."

"Fear you let build up in your mind is worse than the situation that actually exists."

"The quicker you let go of old cheese, the sooner you find new cheese."

"When you see that you can find and enjoy new cheese, you change course."

"Noticing small changes early helps you adapt to the bigger changes that are to come."

Conclusion:

CHANGE HAPPEN
They keep moving the cheese

ANTICIPATE CHANGE
Get ready for the cheese to move

MONITOR CHANGE
Smell the cheese often so you know when it is getting older

ADAPT TO CHANGE QUICKLY
The quicker you let go of old cheese,
the sooner you can enjoy new cheese

CHANGE
Move with the cheese

ENJOY CHANGE
Savour the adventure and
enjoy the taste of new cheese

BE READY TO CHANGE QUICKLY AND ENJOY IT AGAIN
They keep moving the cheese

This book has certainly changed the way i perceive things. I have now embraced my fear and all geared up to hunt for my new cheese. How about you?