My Only Love Sprung From My Only Hate

A friend of font, who has a echoing sense of human psychology, is committed of quoting a line from Shakespeare. Juliet says "My only love sprung from my only distaste". Now what on soil does this mean? And what is my friend trying to demonstrate by quoting this?

The far-off day I was walking the seashore with a friend. The brunt that day were about 3 feet tall and the roiling, back to back waves were coming onto shore in truthfully trigger instruct. As we walked at waters closing stages I build a small drop, a 2 x 3, about 15" long with some ineffectual cover on it. It apparently had washed up on shore in the brunt. I routinely picked it up and threw it into a wave. To my take the response brought the drop back to me and on the subject of planted it at my feet. I exclaimed "Oh, its like a boomerang. See! Provender it in and it comes back to you!". My friend was amused. So I threw it again blow up as we continued walking. Lo and look on, behind again the response returned the drop and planted in on the shore on the subject of in head of me. I humorously thought "good puppy!". By this time my friends eyes were assiduously examination this stretch.

By now, we had walked to a spin of the seashore were the response action had caused the sort to drop about 24" making a tiny, candid drop microscopic cliff. The deafening brunt would hit this sector and fly candid up into the air, insufficiently able to rest the restless sort line and advance any far off. I thought to my friend, "this would be a very passionate place to wolf the drop recompense" But behind again I threw the drop into the rupture brunt and watched it soften into the lathered ineffectual and soften. The response came in and hit the "cliff" and rose candid up into the air. I watched to see if I may perhaps see the drop where but I may perhaps not taking into account just along with, going on for magically, the drop appeared not senior than 10 feet from me, sitting abstention on the top of the microscopic cliff as if waiting for me to pick up.

Now my friend was disbelieving, and it showed on her come to light. She was challenged to make this become obvious for herself. So in the future I may perhaps get to the drop she immediate over, picked it up and with all purposefulness tossed it into the response in a dispensing that dared it to recompense to her as it had for me. But it was not to be. Moderately the drop bobbed and weaved in the bubbly brunt but would not come back to the shore. The disappointment on her come to light thought "you worked for him, why wouldn't you work for me, damn it!" She without stopping gave up and walked sideways from the conditions as I laughed at her bizarre microscopic ego. But just as she had her back to the conditions the drop reappeared in the wash present the shore, close bounty to wade in ankle echoing to get it. I brusque that out to her and she did wade in to get it but along with handed it to me. I was definitely amused at her shut up shop disappointment yet harass it very bizarre to be so challenged and to be disgruntled by so small a production.

Maxim along with I thought I was goodbye to outdo the drop in to the wash way beyond the waves so it may perhaps go off into uncultivated places. My friend thought "No!, Don't, don't outdo it sideways" as she warmly, going on for affectionate, took it from me and especially understood it to her soul. I may perhaps see that she small had an love to the drop she was moments in the future blocked at. She especially felt a bit of emotional dull pain at the idea of me tossing the drop sideways. She thought "no, you can't just take place it sideways". I thought "Are you goodbye to keep it? Isn't that a bizarre production to do?". She resolute it was but was under a spell of resentment completely. As walking a bit she saw a small store of far-off wood pieces grouped together on the seashore. She critical to outdo the drop into this store saying "display, now it won't be inhospitable". I thought "do you impart how bizarre you are? Can you see what just happened here? You got bad-tempered by the drop not behaving as you pleasing it to and small you grew a bring in heat for it. Can you see how bizarre that is".

She did see how bizarre it was, and laughed at her own illogicality too. I went on to explain impartial what had just occurred, for what had occurred was that a non-judgmental of love, a non-judgmental of heat for a "production" that was not display a twinkle in the future, had grown without stopping out of her blocked with it. Out of her distaste grew her new love. It was a faultless walk to show her how it is that love, the lower, conceited, emotional feeling of attraction for a person, place or production, that we all wolf is going on for forever inherent out of distaste, disappointment, pest or the like with the objective of that "love". I also explained that this non-judgmental of love isn't real love at all, but fairly an deficient non-judgmental that tends to restriction and poison going on for every relationship on soil in the role of people forever end up hating what they need, but need what they distaste. The non-judgmental of love, that is definitely a upbraid based "love", with its contained need to embrace comes out of first hating. Authentic love never possesses but sets free and does not fastening.

But the systematic part of all this was that my friend was able to without stopping see the adage. She was without stopping able to see how a number of of her relationships were based on being first blocked with event, or whatever thing. That is why I like her friendship. She has an heat for the truth, blow up at the rush of her own ego.

Pull Hurst

http://rickhur.blogspot.com

Retirement In Malaysia

Retirement may not be the foremost concern for young adults in the prime of their lives. But that does not mean they are oblivious to the fact that they may need to have financial reserves for a rainy day.

FOR many young adults, retirement is not something they are thinking about at this stage of their lives. Those who have been working for less than 10 years have only recently begun to establish their careers, so foremost on their mind would be working to achieve success in their respective vocations.

For them, life still has a lot to offer, and the process of winding down an active lifestyle and retiring is, quite simply, not high on their list of things to do.

According to the findings of the AXA Retirement Scope 2010, a global retirement study conducted across 26 countries in Europe, the United States and Asia, the percentage of the Malaysian working population who have started preparing for their retirement has declined from 48% in 2007 to 38% in 2010. The study also shows that among the 38% who have started to prepare for retirement, most of them did so only at or near age of 40. Meanwhile, 46% said they would start to prepare for retirement when they hit 50.

Among the young, only one in five has started to prepare for retirement. Most of them do plan to start but rather late, at age 46.

Take for example, Anusya Sree, 28, who got married late last year.

"Retirement is not something I am thinking about at the moment; and isn't it a negative thought with so much yet to do? I am only just experiencing life as a married woman. I am looking forward to spending many happy years with my husband and raising a family of our own," says the bank executive.

For Anusya, her priority now is to ensure she has a successful career.

"I have been working for five years, and am enjoying the thrill of being an independent working adult. I have not even decided when I will have children, much less when I will retire."

Similarly for Nicole Tan, 26, a producer for an online travel web portal, retirement is not high on her list of priorities at the moment.

"No, I have not started planning. I would like to build up my career so I have a good platform from where I can start planning for retirement. I am saving up to buy my first property, if that counts."

However, she is aware that having sufficient funds in her retirement years will require a large amount of money.

"It would be an astronomical amount. I am not capable of reaching even 10% of it at the moment," says Tan.

Findings of the AXA Retirement Scope 2010 survey confirm the general perception that only 14% of the Malaysian working population know exactly how much their retirement income should be.

However, not all young adults are focused on the here and now.

Badrulsyah, 35, for example, started planning for his eventual retirement five years ago.

"It is vital for one to start planning early. I learnt that if you leave it to the last minute, you will not have enough time to build up sufficient funds.

"I also know I cannot count on EPF savings alone. After making withdrawals to buy a house, for example, there is even less money to last through the retirement years," says the self-employed entrepreneur.

The AXA Retirement Scope 2010 survey findings show that the working segment's (especially young and mid-life) level of confidence in their own amount of retirement income suffered a big drop from 2007. Only 37% of the working population now consider their future income to be sufficient compared with 62% in 2007.

Badrulsyah roughly estimates that he will need about RM750,000 in his retirement fund and if invested wisely, should generate an income stream of its own.

"I try to put away 50% of my income every month, and this includes EPF contributions, insurance premiums, property investments and more.

"However, it is not easy as there are other obligations such as the house and car loans, utility bills and food expenditure," he says.

Lee Yun-Han, 25, is one who had his life mapped out from when he was still in secondary school.

"I came up with my lifetime plan 10 years ago - become a professional chartered accountant, work my way up the corporate ladder and become the CEO of a listed company."

Lee saysthe accounting path did not work out so well, but his plan is still on course.

"I modified my plan, and today I work as a management consultant. I am now in step two of my plan, and remain hopeful that I will reach step three before I retire."

Lee also believes it is crucial to start planning early.

"Life goes by really fast, and before you know it, retirement is just around the corner. I have now lived a quarter of a century, and the time seems to have passed in a blink of the eye. With another blink, I will be 50, and in a third blink, I could be pushing up daisies (deceased)."

Lee has done his homework on how much he will need for retirement.

"I estimate that I will require at least RM5.1mil, assuming that I live for another 35 years and need RM5,000 a month to get by.

"I make a conscious effort not only to save, but also to grow my savings by investing in a diversified portfolio of shares and property.

"Right now, 50% of my income goes to servicing my loans on investment properties, 30% to bills, and 20% to cash reserves. There is a separate slush fund for girlfriend expenditure that is not on the books," quips Lee.

Furthermore, not everyone who is not planning for retirement is living an extravagant lifestyle.

Anusya says that she does not spend money freely.

"Money is hard to come by - that much I have realised over the past few years. I realise now that I am more careful with my own money than I was when getting hand-outs from my parents!"

She says that she does buy the occasional piece of designer wear and her husband sports the latest-generation mobile phone.

"We like to enjoy life, and if this means spending money, then we will. But we only do so after the bills have been paid and there is money to spare."

Anusya also says that they have other financial priorities besides retirement planning.

"We are saving to buy our own house, and also need a second car. Even after we have enough for that, there is the family issue to think about.

"Quite frankly, I do not see a distinction between the act of saving money and planning for retirement. We put some money away every month for what we call our 'emergency' fund, so isn't that the same?"

Similarly, Tan likes to enjoy life, and she has a passion for visiting new places.

"I have an addiction to travel, so there's quite a heavy monthly expense there. But I try to save about RM1,000 to RM2,000 every month."

She says that she does not have any fixed monthly commitments now, but she expects more of them in future. That could be one of the reasons she still puts money away whenever possible, and not necessarily for retirement.

"I started saving five years ago when I got my first full-time job. I would feel insecure if I had no savings. We will always need to save for that rainy day that could hit us anytime - be it being stuck in a period of unemployment, or hospitalisation fees for a close family member, or to cover for those days when we just want to quit and travel the world," she says.

Ultimately, those interviewed wished that their retirement will come at a time they choose, and not be forced upon them.

"The retirement age is something forced upon you by virtue of policy and legislation. If you enjoy and love what you do, it becomes a passion - and you do not retire from a passion," says Lee.

"I would want to continue working past the retirement age of 55 - not because of the money, but because I would be able to contribute so much more to society. I would very much want to keep my body active, my mind sharp, and my spirit alive."

But for Linda Eng, 31, an administration executive with a construction company, retirement planning is not just about saving.

"Yes, I have my own contingency fund for my retirement, i.e. savings in the bank, a small investment amount in unit trust funds and, of course, EPF. I am now planning to buy a house for my retirement. So, I have to work hard to ensure that my retirement life is well planned.

"Recently, however, something happened that made me realise only having savings is not enough. I need to also protect what I have saved."

She explains that one of her colleagues who seemed to be in perfect health, ate well and kept a balanced lifestyle was diagnosed with cancer.

"It was a terrible shock to all of us, and what was even more shocking was that he had to spend close to RM100,000 for medical treatment. He and his family had to use some of their hard-earned savings, which was meant to be used for later years. It was gone in a blink of an eye!"

While Eng accepts that uncertainties in life cannot be controlled, "It can happen to anyone at any age", she believes one can take precautions.

"It is not about how much you saved because what you have saved may just disappear overnight when something unexpected happens. And when it does, I do not want my savings to be affected. I want to be sure that my retirement fund will last my lifetime."

The "AXA Retirement Scope 2010" is a global study conducted across 26 countries around the world. This bi-annual survey by AXA Group aspires to educate and gain insight into consumers' views of retirement. AXA is represented by AXA AFFIN Life Insurance in Malaysia.

Credit: loveknowsnoage.blogspot.com