excelcentre : Message: Excel Your Life Newsletter: 別怕得零分

卓越生命週刊
Excel Your Life Newsletter: Mar 18 2004

為提升你的生命而發行的電郵週刊...

Content:

I. From the eDesk of Dr. Keith To

II. Weekly Cut & Paste: 別怕得零分

III. You Can Attend: Coaching Essentials

IV. My Personal Development Tips: 5-4-3-2-1-0 Principle for Financial Freedom
V. Subscribe to our "Quote for Your Soul" Service

VI. Tell a Friend

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I. From the eDesk of Dr. Keith To

Hi and welcome again.

1. 本期的 Weekly Cut & Paste 文章相當有意思，一篇簡單的文章, 但提醒

了我們一個成功的最基本原理－「零與一百」定律.，不做肯定得零

分，做則有機會得到一百分。

2. 你希望得到財務自由嗎? 如果是的話，你不能錯過今期的 My Personal

Development Tips，我將介紹這幾年助我不少 4-3-2-1-0 Principle for

Financial Freedom。

3. 我將出版第一期之 Excel Your Life 季刊，內容包括過去的一些文章結

集，我更翻譯了部分我的英文 My Personal Tips成為中文譯本，如欲得到

這本季刊，請發空白電郵至 quarterly@... 即可，當季刊出版

時，我將電郵給你，而你亦可繼續收到以後各期之季刊。

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II. Weekly Cut & Paste: 別怕得零分
Author Unknown

曾在報上讀到，美國售車冠軍提到「一等於兩百五十定律」，使我想到

我的「零與一百」定律。雖然兩者風馬牛不相及，對我在生活中卻有著

同樣的影響力。

所謂「一等於兩百五十」定律，就是假設每一個客戶平均有兩百五十個

朋友，所以不要因此而小看這一個客戶，畢竟，他的背後有兩百五十個

潛在客戶，他幫你說一句話，比你自己說十句話還有用。

所謂「零與一百」定律，就是當某一件事，你只是想而不去做，所得到

的結果必定是零分；如果你去做而成功的話，就是得到一百分，就算不

幸失敗，最壞的結果也不過是零分。

記得有一次去拜訪朋友，在朋友住的巷口買了一包菸，給了老闆一百元

，卻忘記找零，在猶豫要不要去討回之際，靈光一現，這也不過是「零

與一百」的事情，沒想到在嘗試後卻得到了一百分。

另一次上鳳山替家父領終身俸，到了那裡，還差幾分鐘才午休，但是辦

事的當事人卻不在位子上，如果不能辦好，就只有等到下午才能辦了。

於是鼓起勇氣請旁邊的先生代辦，又一次得到了一百分。當然也非常感

謝那位先生的幫忙。

後來，在生活中，只要遇到有什麼事該不該做、無法下決定的時候，我

一定會用這一個定律，做為決定的依據。所以結果無論是零分或一百分

，都能坦然面對。

其實零分只不過是一個表象，就算失敗，也可以從累積失敗的經驗中，

化失敗為成功；也許在多次的零分之後，下一次就有一個一百分正等著

您，所以不要怕零分而不去做。

這個定律真正的目的，是讓我們能夠明白知道，不要只是想，成功的真

正不二法門就是：「做、做、做」。

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III. You Can Attend: Coaching Essentials

本週日將舉辦一年一度的 Coaching Essentials Workshop。

Coaching Essentils 為企業教練的精要課程，你只需用一天時間即可學到企

業教練的主要技術，立即運用於日常工作中，從而從下屬及同事身上取

得最大的表現和合作。

Coaching Essentials 更是一個教導你如何成為一個領袖的課程，你不單只

是管理員工，你更能領導他們朝著你或企業的方向進發。

一個密集的培訓，你絕不能錯過！

詳情請到http://www.hktrainingonline.com/eng/training/detail.cfm?itemcode=09053157&navid=3&sort=0&idnav=99

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IV. My Personal Development Tips: 4-3-2-1-0 Principle for Financial

Freedom

by Keith To

Do you want to enjoy financial freedom? My definition for Financial freedom is that

you are free from debt and financial stress. To achieve your financial freedom, you

must have a sound financial plan. Here is my simple 4-3-2-1-0 Principle to help

myself to my own financial freedom. Hope it is also useful for you.

1. 40% of your monthly income is assigned to one of your major expenses.

It can be Rental/Mortgage, Household Expenditure, Self or Saving/Investment or

any other category. I choose Rental/Mortgage as my 40%. I use this part of my

income for paying my mortgage of my real estate properties.

2. 30% is assigned to another major expense. I choose Saving/Investment for

my 30%. I opened another bank account specially for Saving/Investment. I put

these 30% into this account on day one of each month. This ensures my

Saving/Investment account getting her share of my income every month. I will use

part of the money in this account for investment.

3. 20% is assigned to another major expense. I use my 20% for Household

Expenditure. This pays for my food, the utilities bills, and everything I spend for

my home.

4. The last 10% is also assigned to another expense. This 10% is for Myself.

I use this for my transportation expense, my lunch, buying gifts for others, and

anything for myself.

5. By the end of the month, the balance must be 0. You must not overuse a

single dollar or you will never gain your financial freedom. If you do have some

money left, put it all into your Saving/Investment Account. You are one step

forward to your finanacial freedom.

To make this system works for you, please remember the following 3 points.

1. Why 40%, 30%, 20% and 10%? It can be any number. This just works great

for me. The secret is that you must plan and assignment your income for expenditures

or you will surely over-spend.

2. You must assign part of your income for Saving/Investment. This is the basis

for financial freedom. This makes your life better. This is for emergency. This is for

your retirement. If you find your income is too little for any saving, you must still

assign a really small fraction of your income for saving. Can you save 1%? This is the

habit of saving that free you from future financial burden. When your income improves,

you can increase your saving %.

3. You must not over-spend in any category in any single month. For example,

recently I decided to buy a new notebook computer. It costs me HK$15,000. I

surely cannot afford this HK$15,000 from my single month's Self Expense Portion.

After a detail calculation, I can spare HK$5,000 a month from this protion. So I

decided to save this amount each month for 3 months. I will only buy the computer

when I have saved enough money. After I wait for several months to buy something,

I usually find that I really do not need that something. I will put that extra money into

my Saving/Investment Account and I am another step nearer to my financial freedom.

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Get more Free Personal & Business Improvement articles by
subscribing to our Free Excel Your Life Ezine. Send a blank email to
excelcentre-subscribe@yahoogroups.com.

This article is written by Dr. Keith To, Certified RCC Instructor of the Worldwide

Association of Business Coaches and Certified Trainer of the
Association of Coaching and Training.

Dr. Keith works with successful people and helps them to achieve even

more in their lives, their careers and their businesses. Go to

www.keithto.com and www.ExcelCentre.net to get more free information

to improve yourself and your business.

You are welcomed to circulate this article to anyone you like. But

you must not change anything and must include the above

information of the author.

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V. New Quote for Your Soul Daily Message Service

Quote for Your Soul is a great free service from www.keithto.com.

Everyday you receive a great quote from us through email. The quote

are inspiring and energizing.

Subscribe simply by sending a blank email to
quote4soul-subscribe@yahoogroups.com.

You will be glad to do so.

Subscribe Now by sending a blank email to
quote4soul-subscribe@yahoogroups.com.

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VI. Tell a Friend

Please kindly help us by introducing your friends to our newsletter. Tell

your friend about this free newsletter and you email their email

addresses to us. It is just that simple to help both us and your friends.

mailto:keithto@...?subject:IntroduceAFriend

To thank for your help, we have arranged a free gift for you. If you help us

to refer a friend to our newsletter, you will get a Free Ebook, As a Man

Thinketh. This is a fantastic book written by James Allen nearly 100

years ago.

The teachings in this book had influenced so many contemporary writers
like Norman Vincent Peale, Denis Waitley and Tony Robbins.
It is difficult to find this book in bookshops nowadays, You can get it
free by just introducing one friend to our newsletter.

Keith To
Your Success Partner
www.keithto.com

www.mental-technology.com

www.PDCoach.net

www.ExcelCentre.net

www.BodyMindTherapist.com

[ Please kindly forward this newsletter to your friends and family.

They will surely thank you for your support to them. ]

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