excelcentre : Message: Excel Your Life Newsletter: 前進！小氣上班族

Excel Your Life Newsletter: August 9 2003

Content:

I. From the eDesk of Dr. Keith To

II. Weekly Cut & Paste: 前進！小氣上班族

III. You Can Attend

IV. My Life Tip: Seven Wonders of the World

V. New NLP Revision CD: NLP Foundation Skills

VI. Quote for Your Soul Daily Message Service

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I. From the eDesk of Dr. Keith To

Hi and welcome again.

1. We have changed the format of our newsletter. To make it easier for your reading, we put the full copy of advertisement at the far end of the newsletter. Hope you find this helpful.

2. Someone asked me why I still use English in our newsletter. It will be easier to read in Chinese. Yes, it might be easier if we use Chinese. However, to make Hong Kong an international city, competence in English can bring us edge. Without edge, how can we compete?

3. Guess which book I have selected for you as this month's Free Classic Ebook? This is a great book though it is only 12 pages in length. This book had been written 2,350 years ago. You can read it within minutes, but you are going to find lots of intelligence and wisdom in it. You just can't imagine how the author thought of them at that time.

This is ON LONGEVITY AND SHORTNESS OF LIFE, by Aristotle.

Do you know why some animal live longer than some others?

Do you know why some plants live much, much longer than human being?

Believe me, you will find some other wisdom out of his writing.

Want to get this ebook? I will give you the link for downloading in our next issue.

4. 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.

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II. Weekly Cut & Paste: 前進！小氣上班族
作者: 不詳

有一個朋友向我訴苦，從退伍之後開始上班已經有五年了，這段期間，他沒有存下來半毛錢，每個月不但將薪水花得精光，不小心刷卡之後殘留下來的透支數字，讓他每個月追逐著循環利息的負擔，怎麼努力還錢也趕不上帳單上面不斷「長大」的負債。

另一個營業部門的同事則在每個月的發餉日前一週，固定進行七天的徹底懺悔，手頭淨空的程度讓他連中餐的便當都得跟工讀生小妹調頭寸才有辦法飽餐一頓，於是信誓旦旦的屢發重誓，決定今後再也不上Ｃｌｕｂ喝酒、也不買Ｂｅｌｌｅ的皮鞋、看到ＢＯＳＳ的西裝也不瘋狂刷卡擺闊，那種痛苦的模樣卻在領了薪水之後，又宛如一尾活龍重現江湖，再下一次懺悔週來到之前，完全忘了手頭拮据的痛苦，看在旁觀者的眼裡，也逐漸對他的「哀嚎」沒有絲毫感覺了。

上班族存錢真的這麼難嗎？我經常收看第四台的日本頻道播放一個叫做「前進！小氣家族」的節目，手法雖然有些誇張，卻也提供了許多節約的靈感，仔細回想這幾年的上班族生涯，並且參酌了身邊熟識的同事們各色各樣的理財觀，不難領悟出些許「小氣致富」的哲理，從小細節著眼的節省，顛覆生活習慣與消費習性的方法，說不定才是讓存款數字擴大的魔法棒。

我剛開始上班領的第一份薪水，扣除所得稅與勞保費、福利金之後，剩下的數字在新台幣一萬元左右盪鞦韆，當時租屋而居，與大學同學共同分享整層公寓的房租，大約就去掉薪水的三分之一，不過老實講，當時也沒因此而餓死，試用期過後薪資略做調整，我開始跟了一個三千元的會，一年期滿之後，我有了第一筆「像樣」的存款，當時簡直感動莫名，有了一種「自立更生」紮實感。

跟過兩個會之後我決定放棄，一方面是自己沒有耐心，一方面是對於這種用人際關係來支撐的金錢信賴有點擔憂，於是我選擇銀行的「零存整付」來取代「跟會」，用制式的書面契約設定好每個月的「發餉日」即「扣款日」，電腦系統自動扣款的動作精準快速且毫不留情，想要Ａ個零頭出來ＨＡＰＰＹ一下的企圖都無法得逞。

後來薪水的數字逐漸隨著職位的調整增加，我還是盡量維持基本的開銷數字，將多出來的金額選擇購買海外基金，依舊是約定好扣款日的「定期定額」方式，每個月的薪水一撥進帳戶，就自動下單買了歐洲、美國、日本、或是全球股市的基金，看見同一個辦公室的同事們忙著標會寫標單，我落得清閒在一旁幫他們吆喝打氣，然後在會頭跑掉的突發狀況裡，拍拍他們的肩膀要他們想開點。

漸漸的，我悟出了一些方法，或許稱不上理財秘訣，倒是挺容易在生活裡實現得宜，也沒有太大的進入門檻，如果你正愁苦於手頭的拮据，不妨拿捏一番，至於有沒有辦法落實，就得靠個人的意志囉！

●衣服，夠穿就好

許多人習慣用外在的衣著來凸顯自己的身份地位或是專業知識，甚至在辦公室裡展開花俏的服裝秀，其實有許多廉價的衣物只要配上個人的風格與巧思，也會有異曲同工之效。不去追逐太過時髦流行的款式，免得熱潮過後還得打包送到舊衣回收中心。耐看的穿著年年得宜，昂貴的質料與名牌，或許能得到短暫的羨慕，卻不知不覺讓自己淪為衣服的奴隸，要花錢乾洗、怕吃牛肉麵濺到湯汁、穿膩了也捨不得丟棄，更慘的是，若沒有智慧的大腦思緒與高貴的談吐氣質，即便是衣著光鮮也只能扮演職場的鮮花綠草，不過被貼上「衣冠禽獸」的標籤罷了！

●花錢，三思一下

有人手頭一闊綽，就急於去滿足許多額外的願望，我不反對給自己來個鼓勵，但是花錢之前，稍微留個幾分鐘的思考空間，經常會有那種「柳暗花明又一春」的豁然開朗。有一個朋友經常嘴裡嘮叨著：「好想買一個很貴的皮包！」「「好想買一個四萬塊錢的胸針！」結果，買了昂貴的東西之後，就算滿足了願望也不免落得被奚落的下場，經常拿在手上的還是地攤廉價的皮包，而為著高貴的胸針也只好盤算著買另一件低胸的絲絨上衣來搭配，這種無止境的購買慾輾轉輪迴之後，除了自己一再重複的後悔與身旁親友的數落之外，荷包扁了、慾望也褪色了。是不是可以試試看，當這樣的慾望又重新燃起時，到書店翻一翻雜誌的廣告頁面瞧瞧模特兒身上的光彩，過過癮就好囉！

●刷卡，終需償還

刷卡可以滿足瞬間的購物慾望，可是在刷卡之前最好惦一惦自己的存款數字，如果不太有自制能力的人，最好選擇一種「ＶＩＳＡ金融卡」，當你帳戶上的餘額不足時，就別想要刷卡成功，什麼花俏的「拜金」促銷廣告，都只是金融機構獲利的誘餌，多了一張卡不表示消費無須付錢，多了十萬塊錢的信用額度也不表示走路比較有風，這種殘酷的挖苦雖然讓人掃興，總比每月追逐帳單的壓力來得輕鬆吧！

●存錢，機會很多

吃一個５５元的路邊「陽傘便當」取代１８０元的商業午餐，每日省下１２５元。喝白開水取代花俏的甜味飲料，每日省下數十元。推掉頻繁的ＫＴＶ與ＰＵＢ狂歡邀約，準時回家吃晚飯，每月省下數千元。同事聚餐採取「各付各的」，避免當大哥充場面的一時衝動，每年省下數萬元。

每天多走幾步路、多爬幾層樓、多做幾回伸展運動，不必一窩鋒的加入健身俱樂部與塑身美容中心，每年省下數十萬元。老朋友生日，約定好聚會即可，不必花錢輪流買貴重的禮物，免得這樣的生日聚會成為彼此沈重的負擔。盡量保持愉快的心情與充分的睡眠，不必依賴藥物與保養品的強力灌溉，一輩子可以省掉無限量的青春消耗。

小氣，不是一塊錢一毛錢的錙誅計較，而是給自己的錢財更合理的出路與歸宿。

「有錢」不是什麼庸俗的誇耀，卻能夠實現許多自己想要過的生活模式。不要老是以自己的薪水不夠多為藉口，什麼樣的薪資水準就要過什麼樣的生活，日本人在不景氣的年代裡用一種「清貧」的理念過活，抑制花錢的慾望也算是一項工程浩大的修為，身旁有一筆積蓄所帶來的踏實感，來自於一點一滴的累積而非投機的迅速致富所能比擬，不相信的話，自己試試看。

*******************

編者的話:

有人認為，省錢，存錢發不了達，要發達，就必須攪點生意，攪點投資，但連最基本的生意投資資金也沒有，空談什麼生意投資。

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III. You Can Attend

1. 超級寫作系統 Super Writing System

『筆比劍鋒利』 Edward Bulwer-Lytton

§ 如何使你書寫的文字令人無法抗拒？

§ 如何書寫令對方無法不讀完你每一個字？

§ 如何有如大師般書寫公文、memo、書信、公關甚至廣告稿件？

§ 如何利用文字來打動他人，從而傾向你的看法？

§ 如何在字裏行間中不經意地取得對方的信任？

本課程就給你希望知道的答案!!!

日期：19/08/03-23/09/03 (逢星期二) 7:30pm-9:30pm

報名：2835-4396 聖雅各福群會

導師：陶兆輝博士

2. 潛意識溝通學（Hypno-communication）

運用催眠原理於人際溝通，令別人不知不覺地認同你，讓你發揮影響力，成就事業。潛意識溝通學取材自當代催眠大師艾克森醫生(Dr. Milton Erickson)的「清醒暗示」(Waking Suggestion)和高級催眠技術中的「語際催眠」(Conversational Hypnosis)。

本單元重點教授潛意識溝通學中的潛意識說法（Hypno-speaking）及潛意識寫作(Hypno-writing)，讓學員應用於日常交談、談判、推銷、會議、報告、銷售信、公關稿件及廣告創作等。

日期：16/08/03-17/09/03 (逢星期六/日)

報名：HKPC，詳細資料請參閱 http://www.hktrainingonline.com/chi/training/detail.cfm?itemcode=09047172&navid=3&sort=0&idnav=99

導師：陶兆輝博士

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IV. My Life Tip: Seven Wonders of the World

This is again not a tip written by me. I received it through email.

*****************************

A group of students were asked to list what they thought were the present Seven Wonders of the World. Though there were some disagreements, the following received the most votes:

1. Egypt's Great Pyramids
2. Taj Mahal
3. Grand Canyon
4. Panama Canal
5. Empire State Building
6. St. Peter's Basilica
7. China's Great Wall

While gathering the votes, the teacher noted that one quiet student hadn't turned in her paper yet. So she
asked the girl if she was having trouble with her list. The girl replied, "Yes, a little. I couldn't quite make up
my mind because there were so many."

The teacher said, "Well, tell us what you have, and maybe we can help."

The girl hesitated, then read, "I think the Seven Wonders of the World are:

1. to see
2. to hear
3. to touch
4. to taste
5. to feel
6. to laugh
7. and to love.

The room was so quiet you could have heard a pin drop. The things we overlook as simple, ordinary &
take for granted are truly wondrous!

A gentle reminder about the most precious things in life.

Smile and have a great day.

Go in peace

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V. New NLP Revision CD: NLP Foundation Skills

To help all the NLP graduates to refresh what they learned during the course, I had prepared a Revision CD on NLP Foundation Skills.

This is a 1 Hour Audio Recording, including all the key points of the workshop. Getting the CD is like letting me to train you over and over again at any time you want.

This CD is only for sale to graduates. If you are one of my NLP graduates of the NLP Foundation Skills Module, you can buy the CD from me. Come to my office at 307 Well Borne Commercial Centre, 8 Java Road, North Point to get your copy. It costs only HK$80.

There is a easier way to get the audio recording, you can buy the MP3 version online and download it to your computer. Then you can listen to them at your computer or through any MP3 players. Go to the following link to place your order online by credit card.

https://www.paypal.com/xclick/business=keithto%40keithto.com&item_name=NLP+Foundation+Skills+Revision+MP3+Audio+Recording&item_number=NLP1&amount=9.00&no_note=1&currency_code=USD

We are using the PayPal Service, one of the safest way to pay online.

To make the online offer even better, the cost for the online MP3 Audio Recording is just HK$70 (US$9). It is cheaper, faster and easier to get the audio recording. This is 2003 now, don't hesitate to purchase online.

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VI. Quote for Your Soul Daily Message Service

Do you want to receive a inspiring quote everyday in your email inbox? Subscribe to our free Quote for Your Soul service by sending a blank email to quote4soul-subscribe@yahoogroups.com.

You will be glad to make this choice.

Keith To
Your Success Partner
www.keithto.com

www.mental-technology.com

www.PDCoach.net

[ Please kindly forward this newsletter to your friends and family. They will surely thank you for your support to them. ]

[ If this newsletter is forwarded to you from your friend, you can subscribe it free by sending a blank email to excelcentre-subscribe@yahoogroups.com ]

Advertisement

超級寫作系統 Super Writing System

『筆比劍鋒利』 Edward Bulwer-Lytton

§ 如何使你書寫的文字令人無法抗拒？

§ 如何書寫令對方無法不讀完你每一個字？

§ 如何有如大師般書寫公文、memo、書信、公關甚至廣告稿件？

§ 如何利用文字來打動他人，從而傾向你的看法？

§ 如何在字裏行間中不經意地取得對方的信任？

如你希望知道上述問題的答案，請繼續看下去……

為什麼你需要學習寫作，我又不是作家？

每個人都在積極增強自己的競爭能力。

每個人都在報讀各式各樣的証書、文憑、學位課程。

每個人都期望這些証書、文憑、學位能為你帶來更高、更安穩的收入。

但是這些証書、文憑、學位真的能助你達成期望嗎？？？

你知否大部分僱主認為優秀員工最有價值的技能是什麼？

溝通能力。

溝通能力?

溝通能力並非指那些空洞的說話口才技巧，而是實實在在的語言表達及文字書寫能力，尤以文字書寫能力為要，因為現今大部分溝通仍以公文為主(電郵也是文字)。

這也是商界大力推廣兩文三語的目的，可惜只懂得中英文並不能使你具備超卓的寫作能力。你必須明白寫作箇中技巧，你便能輕易地運用文字打動對方，贏得他人全面認同。

『世上打敗敵人最好的方法是……寫得比他更好』 Saul Bellow

超級寫作系統 Super Writing System

你將能從『超級寫作系統』中學會如何使讀者不能抗拒你的文字。六節課程內，你將完全改進你的寫作能力。

每一節之後，你都會留意到自己的書寫能力大幅提升，直至六節之後，你會發現自己竟然在短短六週內擁有大師級的超級寫作技能，對你來說，打動人心變得易如反掌。

六節課程中，你將學會整個超級寫作系級六大程序：

極速寫作程序 Turbo Writing Program

大師寫作程序 Guru Writing Program

注意點寫作程序 Attention Writing Program

生機寫作程序 Live Writing Program

說服力寫作程序 Persuasion Writing Program

編輯寫作程序 Editing Writing {rpgram

『寫作有三大規律，但不幸地無人知道它們是什麼』 W Somerset Maugham

『超級寫作系級』不單只給你三大規律，也讓你全面掌握六大程序，利用六週時間，你將賺取受用一生的技能。

日期：19/08/03-23/09/03 (逢星期二) 7:30pm-9:30pm

報名：2835-4396 聖雅各福群會

導師：陶兆輝博士

18年商業管理經驗，身心語言程序學及催眠治療學國際認可導師，擅長運用催眠技術溶滙於文字之中，瞬間取得讀者認同，陶博士著有《終身學習－教育改革的46種新概念》，《啟動創意潛能－潛意識創意工程》及《人生教練》等暢銷書籍。

備註：

(1) 超級寫作系統同時適用於中英文寫作。

(2) 學員只需具備普通中文或英語能力，即可運用超級寫作系統。

(3) 如曾報讀陶博士之『語言突破工程』課程，更應報讀本課程，使你同時擁有超卓語言及文字表達能力。

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