How to understand the F A I T H without an example like this,
There is a famous story:
A man just got married and was
returning home with his wife. THEY WERE CROSSING A LAKE IN A BOAT when
suddenly a great storm arose.
The man was a warrior, but the woman
became very much afraid because it seemed almost hopeless: THE BOAT WAS
SMALL AND THE STORM WAS REALLY HUGE, and any moment they were going to
be drowned. But the man sat silently, calm and quiet, as if nothing was
happening.
The woman was trembling and she said, "ARE YOU NOT
AFRAID? This may be our last moment of life! It doesn't seem that we
will be able to reach the other shore. Only some miracle can save us;
otherwise death is certain.
Are you not afraid? Are you mad or
something? Are you a stone or something?
" THE MAN LAUGHED AND TOOK THE SWORD OUT OF ITS SHEATH. The woman was even
more puzzled:
What he was doing? Then he brought the naked sword close to the woman's neck
-- so close that just a small gap was there, it was almost touching her
neck. He said,
"ARE YOU AFRAID?" She started to laugh and said,
"WHY I SHOULD BE AFRAID?
If the sword is in your hands, why I should be
afraid?
I know you love me.
" He put the sword back and said,
"This is my answer.
I KNOW GOD LOVES ME, and the sword is in his hands,
and the storm is in his hands --
SO WHATSOEVER IS GOING TO HAPPEN IS
GOING TO BE GOOD. If we survive, good; if we don't survive, good --
because everything is in his hands and he cannot do anything wrong."
THIS IS THE TRUST ONE NEEDS . Such tremendous trust is capable
of transforming your whole life. And ONLY such tremendous trust is
capable of transforming your life -- less than that won't do.
He who knows not,
and knows not - he knows not,
he is a fool,
shun him. He who knows not,
and knows - he knows not,
he is simple,
teach him. He who knows,
and knows not - he knows,
he is asleep,
awaken him. He who knows,
and knows - he knows,
he is wise,
follow him. [Kipling]
Here are some photos from my trip to Malaysia. Malaysia has many huge structures and is well maintained. The trip was a lot of fun! I hope you enjoy viewing the pics.
Choosing the right time to collect benefits can boost your income by thousands of dollars a year.
Not so long ago, people planning for retirement wrote off Social Security as an endangered benefit and a marginal addition to their post-career income. But in an era of disappearing pensions and erratic stock-market returns, the idea of guaranteed income for life that keeps pace with inflation holds fresh appeal. And more near-retirees are aware of the value of working longer and waiting to collect Social Security benefits until the benefits are worth more.
But there are also a few clever -- and perfectly legal -- ways to time the collection of your retirement benefits so that you increase their worth. Play your cards right and you'll increase your household income by thousands of dollars a year now, plus ensure larger benefits later.
The key to maximizing your family's Social Security income is to wait until your normal retirement age -- currently 66 for anyone born between 1943 and 1954 -- to collect benefits. The normal retirement age will gradually increase to 67 for anyone born in 1960 or later. (Of course, that's under current law. Future Social Security reforms could change those rules.)
Once you reach your normal retirement age, two things happen: You are no longer subject to the earnings cap (meaning that you can continue to work without jeopardizing any of your Social Security income), and you can get creative with your collection strategy to maximize your benefits. The Basics
Although you can collect Social Security benefits as early as age 62, you may not want to. Your retirement benefits will be reduced by 25% or more for the rest of your life. And if you continue to work, your benefits could be further reduced -- or even wiped out completely -- if you earn more than the prescribed limit.
In 2010, you lose $1 in benefits for every $2 you earn over $14,160. The same limit is expected to apply in 2011. A more generous earnings cap applies in the year you reach your normal retirement age: You lose $1 in benefits for every $3 you earn over $37,680 in 2010 during the months leading up to your 66th birthday. (The limit in 2011 will probably be the same.) Once you reach your normal retirement age, the earnings cap disappears. Other types of income, such as pensions, interest and dividends, do not reduce your Social Security benefits.
Of course, for some people, waiting to collect Social Security is not an option. If you need the money, or you are in poor health and fear that you may not live long enough to collect benefits at your full retirement age, you should collect your Social Security benefits as soon as you are eligible at age 62. That assumes you are no longer working or, if you are, your earnings don't exceed the annual earnings limit by much.
But if you're able, it pays to wait. After you reach your normal retirement age, you can increase your benefits by an additional eight percentage points for each year you delay collecting, up to age 70, creating a larger base for future cost-of-living adjustments and a bigger benefit for a surviving spouse.
And if you took your benefits early and now regret the decision, you still have a shot at a do-over. You can pay back all the benefits you have received so far and restart them at a higher level based on your current age. It's a big investment and certainly not right for everyone, but it can lock in higher income for life. If you're interested, don't delay. This option may soon disappear.
For some married couples, a combination strategy may make sense. The lower-earning spouse (usually the wife) could collect Social Security benefits early, and the higher-earning spouse could delay claiming benefits for as long as possible, up to age 70. Although the wife's retirement benefits will be permanently reduced, collecting benefits early will have no impact on her survivor benefits as long as she is at least normal retirement age when she begins collecting survivor benefits. If her husband dies first, she will be entitled to 100% of what he received during his lifetime -- with no reduction in benefits. Of course, her own retirement benefit would disappear at that point. Read on to discover a few more creative strategies. File and Suspend
Sometimes, the spouse who has little or no work history (again, often the wife) may be anxious to collect spousal benefits -- worth up to half of what the main breadwinner receives. Normally, the wife must wait for her husband to file for his Social Security benefits before she can collect her share. But there's a way for her to collect spousal benefits now while his retirement benefit continues to grow.
As long as he waits until he reaches his normal retirement age, the husband can exercise a strategy known as file and suspend. That means he can file for his benefits, entitling his wife to receive spousal benefits immediately; then he can suspend his own benefits and continue to accrue delayed-retirement credits until age 70. (Note: Her spousal benefits will be reduced by 25% or more if she collects before her normal retirement age.) At 70, his benefits would be worth 132% of what they would have been at 66, creating a larger base for future cost-of-living adjustments.
Let's say he is entitled to $2,000 a month at age 66. He could file and suspend so that she could collect half that amount -- $1,000 in spousal benefits at her normal retirement age. But if she claims benefits as soon as she is eligible at age 62, her share would be reduced by 25%, to $750 per month. The reduction for collecting benefits early at age 62 will increase to 30% when the normal retirement age rises to 67. Kids Can Collect, Too
When you collect Social Security retirement benefits, dependent children under age 18 who live with you -- including stepchildren, adopted children and, in some cases, grandchildren -- are entitled to benefits worth up to half of the amount you are eligible for. Retirees can collect benefits as early as age 62 to trigger benefits for their minor kids, but waiting until normal retirement age offers more options.
For example, although the file-and-suspend strategy is normally used by married couples, it can also be used by older workers -- married or single -- who have dependent minor children. Lucia Cruz of Hollywood, Fla., who describes herself as "happily divorced" for the past 30 years, adopted twins Patricia and Alicia in 2002. The girls, now 11, will each be entitled to monthly benefits worth up to half of what their mother collects.
But Cruz, 65, wants to keep working and delay collecting her own benefits until age 70. By electing the file-and-suspend strategy next year, when she turns 66, each of her daughters will receive about $800 per month until they turn 18. And by waiting until 70 to collect her own benefits, Cruz will receive approximately $2,250 per month, compared with the $1,640 per month that she would get if she began claiming benefits next year. Claim Now and Later
Another strategy allows you to collect half of your spouse's benefits now and delay collecting your own benefits until they are worth more later. This strategy works best for two-career couples with similar incomes.
As long as you wait until your normal retirement age, you can restrict your Social Security claim to spousal benefits only -- assuming your spouse is collecting benefits. That's what Al Fry, a retired Air Force officer from Fairfield, Cal., did earlier this year. Just before his 66th birthday, Fry visited the local Social Security office to file a benefits claim and requested that they be restricted to spousal benefits only. Now Fry, who works part-time at a sports club, receives $472 per month based on the earnings record of his wife, Sandra, who is a library assistant at nearby University of California at Davis. That boosts their income by about $5,600 a year. Because he is 66, Fry can work without worrying about losing any benefits to the earnings cap.
And by delaying his own retirement benefits for four more years, he will see them grow to about $2,100 per month when he turns 70, compared with $1,500 if he were to start collecting today. If Al dies first, Sandra will step up to the larger survivor benefit, equal to 100% of what Fry collected during his lifetime, as long as she is at least normal retirement age at the time. Collect on Your Ex
The strategy of restricting your claim to spousal benefits only applies to divorcees, too. To be eligible to collect on your ex, you must have been married for at least ten years and divorced for at least two years, and you may not be currently married. You can collect benefits as early as age 62 (but earnings-cap limits apply if you continue to work), as long as your ex is old enough to be eligible for benefits -- even if he or she has not yet collected them. And it doesn't matter if your ex has remarried. Collecting spousal benefits on your ex will not affect the benefits that his or her current or other former spouses receive.
But if you wait until age 66, you can also restrict your benefits to spousal benefits only, allowing your own benefits to accrue delayed-retirement credits. Then you can switch to your own benefit, assuming it's larger, at age 70.
Different rules apply for widows. They may collect survivor benefits as early as age 60 (rather than age 62), but they are still subject to the annual earnings-test limits if they continue to work while receiving benefits. However, if they are entitled to retirement benefits based on their own work history, they may collect survivor benefits first and switch to retirement benefits later, or vice versa -- whichever results in a higher benefit. All these complicated permutations about how and when to collect Social Security benefits are enough to make your head explode. But help is available at a new website. You can crunch your own numbers under various scenarios at www.ssincomeplanner.com for a small fee. One-year memberships run as low as $10 for widows to $40 for married couples.
Please go through this and forward to ur friend's, relatives whosoever... its helps ...
An interesting article. Dr Stephen Mak told …..that he treats terminal cancer patients in an "un-orthodox" way, and many patients recovered. He explained, that before he uses solar energy to clear the illnesses of his patients, he believes on natural healing in the body against illnesses. See the article below.
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Dear Shereen,
Thanks for the email on fruits and juices. It's one of the strategies to heal cancer. Lately, my success rate in curing cancer is about 80%. Cancer patients shouldn't die.. The cure for cancer has already been found, whether you believe it or not. I am sorry for the hundreds of cancer patients who die under the conventional treatments. Very few live for 5 years under conventional treatments, and most live for only about 2 to 3 years... The conventional treatments don't make any difference, because most cancer patients also live for about 2 to 3 years without any treatment. It is difficult to cure cancer patients who've undergone chemo and radiotherapy, as their cells are toxic and weak. When there is a relapse, the cancer spreads very fast, as the resistance is poor.
Thanks, and God bless.
Dr Stephen Mak
EATING FRUIT
This is informative! �
We all think eating fruit means just buying fruit, cutting it up and popping it into our mouths. It's not that easy. It's important to know how and when to eat fruit. �
What's the correct way to eat fruit? �
IT MEANS NOT EATING FRUIT AFTER A MEAL! FRUIT SHOULD BE EATEN ON AN EMPTY STOMACH. �
Eating fruit like that plays a major role in detoxifying your system, supplying you with a great deal of energy for weight loss and other life activities.. �
FRUIT IS THE MOST IMPORTANT FOOD. Let's say you eat two slices of bread, then a slice of fruit. The slice of fruit is ready to go straight through the stomach into the intestines, but it's prevented from doing so. �
In the meantime, the whole meal rots and ferments, and turns to acid. The minute the fruit comes into contact with the food in the stomach, and digestive juices, the entire mass of food begins to spoil.
Eat your fruit on an emptystomach, or before your meal! You've heard people complain: Every time I eat watermelon I burp, when I eat durian my stomach bloats, when I eat a banana I feel like running to the toilet, etc. This will not happen if you eat the fruit on an empty stomach. Fruit mixes with the putrefying other food and produces gas. Hence, you bloat!
Graying hair, balding, nervous outburst, and dark circles under the eyes - all of these will NOT happen if you eat fruit on an empty stomach. �
There's no such thing as some fruits, like orange and lemon are acidic, because all fruit becomes alkaline in our body, according to Dr. Herbert Shelton who did research on this matter. If you have mastered the correct way of eating fruit, you have the Secret of Beauty, Longevity, Health, Energy, Happiness and normal weight.
When you need to drink fruit juice drink only freshfruit juice, NOT from the cans. Don't drink juice that has been heated. Don't eat cooked fruit; you don't get the nutrients at all. You get only the taste... Cooking destroys all of the vitamins.
Eating a whole fruit is better than drinking the juice. If you should drink the juice, drink it mouthful by mouthful slowly, because you must let it mix with your saliva before swallowing it. You can go on a 3-day fruit-fast to cleanse your body. Eat fruit and drink fruit juice for just 3 days, and you will be surprised when your friends say how radiant you look!
KIWI: Tiny but mighty, and a good source of potassium, magnesium, vitamin E & fiber. Its vitamin C content is twice that of an orange!
AN APPLE a day keeps the doctor away? Although an apple has a low vitamin C content, it has antioxidants & flavonoids which enhances the activity of vitamin C, thereby helping to lower the risk of colon cancer, heart attack & stroke.
STRAWBERRY: Protective Fruit. Strawberries have the highest total antioxidant power among major fruits & protect the body from cancer-causing, blood vessel-clogging free radicals. �
EATING 2 - 4 ORANGES oranges a day may help keep colds away, lower cholesterol, prevent & dissolve kidney stones, and reduce the risk of colon cancer.
WATERMELON: Coolest thirst quencher. Composed of 92% water, it is also packed with a giant dose of glutathione, which helps boost our immune system. Also a key source of lycopene, the cancer-fighting oxidant. Also found in watermelon: Vitamin C & Potassium..
GUAVA & PAPAYA: Top awards for vitamin C. They are the clear winners for their high vitamin C content. Guava is also rich in fiber, which helps prevent constipation. Papaya is rich in carotene, good for your eyes..
Drinking Cold water after a meal = Cancer! Can u believe this? For those who like to drink cold water, this applies to you. It's nice to have a cold drink after a meal, however, the cold water will solidify the oily stuff that you've just consumed, which slows digestion. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer.. It is best to drink hot soup or warm water after a meal.
A serious note about heart attacks. HEART ATTACK PROCEDURE Women should know that not every heart attack symptom is going to be the left arm hurting. Be aware of intense pain in the jaw. You may never have the first chest pain during the course of a heart attack. Nausea and intense sweating are also common symptoms. Sixty percent of people who have a heart attack while they're asleep do not wake up. Pain in the jaw can wake you from a sound sleep. Be careful, and be aware. The more we know, the better our chance to survive. �
A cardiologist said if everyone who gets this mail sends it to 10 people, you can be sure that we'll save at least one life. It caneven be your life!
Disclaimer: This e-mail & attachment(s) within it are for sole use of intended recipient(s) & may contain confidential & privileged information. If you are not the intended recipient, please intimate the sender by replying to this email & destroy all copies & the original message. Any unauthorized review, use, disclosure, dissemination, forwarding, printing or copying of this email or any action taken in reliance on this e-mail is strictly prohibited & unlawful. The recipient acknowledges that COMPANY , its subsidiaries, associated companies or persons authorized by it (collectively "THE Group"), are unable to exercise control, ensure, guarantee the integrity of/over the contents of the information contained in e-mail transmissions & further acknowledges that any views expressed in this message are those of the individual sender & no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of THE Group.
Keeping up with current events happening in the teaching world is a vital part of the educational profession. Teacher current events can inform an educator with educational changes as well events that occurred that may shed teaching in a negative light. To uncover the latest buzz on current events in the teaching profession refer to the events below:
Teacher Current Events
1.) School Nutrition Bill Could Be Revived in Congress: First Lady Michelle Obama’s campaign for healthier school lunches could be revived in Congress after two key Democrats said they would drop their opposition. To read more on this teacher current event visit: http://www.edweek.org/ew/articles/2010/11/10/386853uscongresschildnutrition_ap.html
4.) Study: TAP Schools Outperform ‘Synthetic’ Counterparts: Schools in the Teacher Advancement Program apparently would produce higher-achieving students in math than non-TAP schools with similar characteristics, concludes a recent analysis released by the Stanford Institute for Economic Policy Research. To read more on this teacher current event visit: http://blogs.edweek.org/edweek/teacherbeat/2010/11/the_teacher_advancement_progra.html
In order to stay on top of teacher current events and news in the teaching community, be proactive in reading news articles pertaining to the profession. Find websites that are updated regularly and can be posted on in order to obtain interaction with other teachers and gain incite on your peer’s thoughts. Relevant articles can be found at: http://www.edweek.org/ew/index.html
Someone has written these beautiful sentences. Must read and try to understand the deep meaning of it.They are like ten commandmentsto follow in the life all the time.
1] Prayer is not a "spare wheel" that you pull out when in trouble, but it is a "steering wheel"that directs the right path throughout 2] Do you know why a Car's WINDSHIELD is so large & the Rearview Mirror is so small? Because our PAST is not as important as ur FUTURE. Look Ahead and Move on 3] Friendship is like a BOOK. It takes few seconds to burn, but it takes years to write
4] All things in life are temporary. If going well, enjoy it, they will not last forever. If going wrong, don't worry, they can't last long either.
5] Old Friends are Gold! New Friends are Diamond! If you get a Diamond, don't forget the Gold! Because to hold a Diamond, you always need a Base of Gold!
6] Often when we lose hope and think this is the end, GOD smiles from above and says, "Relax, sweetheart, it's just a bend, not the end!
7] When GOD solves your problems, you have faith in HIS abilities;when GOD doesn't solve your problems HE has faith in your abilities. 8] A blind person asked Swami Vivekanand: "Can there be anything worse than losing eye sight?" He replied: "Yes, losing your vision!"
9] When you pray for others, God listens to you and blesses them, and sometimes,when you are safe and happy,remember that someone has prayed for you. 10] WORRYING does not take away tomorrows' TROUBLES, it takes away today’s' PEACE
“According to most studies, people’s number one fear is public speaking. Number two is death.” - Jerry Seinfeld
If you have the fear of public speaking, you are not alone. You must first recognize what “fear” is. Fear is the anticipation of pain. Is your fear real or imagined?
Here are some great insights into Overcoming Fear of Public Speaking.
Steps to Overcome Fear of Public Speaking -
Fears – The fear of being judged, making a mistake, not measuring up, getting hurt either mentally or physically can get in the way of a good performance (speech, seminar, sales presentation, etc). Remember that people in the audience really want you to succeed. Nobody is standing there hoping you’ll be boring or bad. If you are coming from an authentic place, and you cover the material with clarity, you’ve won 3/4 of your inner battle with fear.
Learn how to enroll and engage your audience - If you haven’t yet taken a professional development course on public speaking, consider finding a public speaking training course appropriate for your needs. Learning the art of public speaking can enhance your results in a boardroom, in a sales presentation, and even accelerate your climb up the corporate ladder. It is a must-skill for any executive and/or business owner.
Practice - Find business organizations, networks and clubs in your area (such as Toastmasters) that can afford you the opportunity to practice. Remember to choose topics that you are already an expert on. Speaking on a topic that you are not familiar with will increase your stress, and impede on your performance.
Use recording software - Record everything on your PC/laptop. Review it to see where you can improve. Have speaking pros attend your live presentation to give you feedback. Allow yourself the opportunity to learn more every time you go out.
Remember, even the top professionals learn something new every single time they go out!
