If you understand Chinese, I think the analysis is pretty accurate :P

Remember back when we’re young, when we’re so full of energy and exuberant, that we never seem to out of breath? That’s right, we never ran out of breath. We used to breath correctly. We breathed correctly with our entire body.

So what happened to our breathing? Because of outter influence, stress, pressure, bad habits, we lost our ability to breath properly. We become upper chest breathers as we grow. We no longer breath properly and only breath JUST ENOUGH for survival. But we no longer breath enough to keep ourselves in optimum shape. There are plenty of articles out on the Internet that talks about WHY breathing properly is important. So I won’t re-invent or plagerize here.

I can speak of some effects of obtaining the skill. Your body can be more easily relaxed. You will feel more energized. It’ll help you tremendously in all sorts of exercises and activities. Your mind can be more sharp. The benefits are countless.

Deep breathing involve all the major parts of the torsal and facial mask, not just the chest. First you need to keep your nasal cavity opened, which requires the relaxing of the facial muscle in that area. You will feel they are kind of “lifted” when done correctly. Then you need to learn how to breath with the diaphragm. One tip is to focus on a point that’s 2-3 inch below the belly button toward the back. Take in air deep pushing diaphragm downward, feeling the sensation and focusing at the focal point. You will notice expanding of the rib cage and the belly. And finally, the chest can expand slightly to take in more air, but no raising the shoulders. The whole process of breathing in and out should take a lot longer than only upper chest breathing (heaving). It will take discipline to make it into a habit. However, it’s a truly refreshing habit to have.

Give it a try.

So based on a goverment study, we are spending above our mean on average o.O That’s definitely not a good thing!

Based on the article Americans spend every cent – and more:

Friday morning the government will report on personal income and spending for November. For the last 19 months, the report has shown a negative savings rate. That means American consumers are spending more than they’re taking home after taxes. The savings rate was a negative 0.6 percent in October. In other words, the typical American spent $100.60 for every $100 of take home pay.

But things aren’t as grim as the article says based on Personal Saving Rate is a Misleading Indicator, which has a lot of truth in it:

To calculate the personal saving rate, government statisticians subtract taxes and spending from personal income. Income includes wages, salaries, interest, dividends, rent received, small-business profits, and some government benefits. Excluded are withdrawals from IRAs and 401ks, as well as capital gains. This is inconsistent with how most people measure their private fiscal health.

I think whether the situation is as bad as it sounded at first. We needs to go back to the most basic rule of personal finance, to keep ourselves under control :P Keep it in mind!!

For those who know me, I am a fan of punctuality and would like the same of others. I know there are situations that can keep us from being exactly on time, and that is understandable and acceptable. It just annoys the heck of of me when some people seem to “inherently” lack punctuality.

I think it speaks a lot about that person, that it is a demonstration of good manners. It shows the person’s attention and energy to form their habits. How? Here’s how. From how you plan your time to arrive at an appointment, it shows the way you manage your time, and that you will apply the same methodology to your daily schedule and organization of events. In the end, being to an appointment is equivalent to running late on other things also because of the same planning methodology applied, which is the estimating to be “right on” (”late”) out of habit.

It’s even worse when I hear people say, “oh, I’m always late, it’s just me…” It speaks clearly about the personality. If that’s the case and you even realize it, then why don’t you fix it? Why not make it a habit to be on time? It just goes to show how you are unable to correct your own mistake and improve yourself.

More over, tardiness is like stealing time from other people and time is priceless. So another way to think about this is – Having punctuality or being on time is another form of respect for others.

It is in my nature to avoid those people, once I observe who has the “nature” to be late. I’m talking about some serious tardiness here, like 15 min+ on multiple occasions. For friends, I will provide some suggestions/warnings before any act of distancing myself from them. The way I see this is, why waste my precious time for folks like that? You should consider the same.

I was talking with a friend a few days ago, and on a topic that I cannot recall.
He said something along the line, “Hey, it’s okay to buy/get that, you are not a student anymore.”
To which I respond, “I can still live like a student even if I’m no longer one…”

What is the lesson I’m trying to teach here? I would say it’s one of the more basic rule to controlling your personal finance – you don’t have to spend more because you make more. Here is the most basic rule.

Why is it so important? Let me take my chance to reflect on something came up in conversation with a friend at work, who said, “Things seem to stay the same. I know I’m making more, but I’m also spending more.” The logic is ridiculously simple. You really don’t save more if you are spending more when you make more.

I’m not saying one should be cheap and live like a homeless. I fully believe that there is a certain level of standard of living we should keep to make ourselves content and happy, but we should not justify ourselves to spend twice the money just because we make double (if it ever doubles…) :P Peace~