33 Graphs That Reveal Painfully True Facts About Everyday Life

Danish writer/artist duo Mikael Wulff and Anders Morgenthaler create comedy cartoons and graphs depicting the everyday struggles, irritations, and insights of their fellow Westerners. Official-looking graphs show unofficial statistics from our daily lives that are at once unexpected and glaringly obvious.

The duo publishes their satirical creations every day on Wumo, their webcomic and newspaper cartoon strip (formerly known as Wulffmorgenthaler). Their cartoon career started in a comic strip competition in 2001. Their victory gave them the opportunity to be published in Politiken, a national Danish newspaper, for one month. Things continued looking up when their strip became very popular and became a regular feature in several blogs and newspapers in Scandinavia and Germany. Now their comic strip is a regular in The New York Times.

Take a look at this collection of graphs – are they true for you as well?

RIP the legendary Tiger of Jelutong, Karpal Singh

RIP the legendary Tiger of Jelutong, Karpal Singh... Feels sad to read this, having lost a prominent voice for the citizens in the Parliament. The 1 voice that has spoken for us for years!!!

IPOH - Anggota Parlimen Bukit Gelugor Karpal Singh dan pembantu peribadinya maut dalam kemalangan membabitkan kenderaan serba guna (MPV) yang dinaikinya dan lori di Kilometer 306.1 Lebuhraya Utara Selatan laluan utara berhampiran Gua Tempurung di Kampar awal pagi ini.

Ketua Polis Daerah Kampar Superintenden Ng Kong Soon berkata Karpal Singh, 74, dan pembantu peribadinya Michael Cornelius, 40-an, maut di tempat kejadian.

Selain itu, katanya, pembantu rumah Karpal Singh, seorang wanita warga Indonesia cedera parah dan mengalami pendarahan di bahagian otak sementara anak lelaki pemimpin DAP itu, Ram Singh, 38, dan pemandu kenderaan MPV tidak mengalami kecederaan dalam kemalangan pada pukul 12.40 pagi itu.

"Siasatan awal polis mendapati kenderaan MPV jenis Toyota Alphard berwarna putih yang membawa lima penumpang termasuk Karpal Singh dalam perjalanan dari Kuala Lumpur ke Pulau Pinang dipercayai hilang kawalan apabila tiba di kawasan kejadian dan melanggar bahagian kanan lori yang sedang bergerak di sebelah kiri laluan itu," katanya ketika dihubungi Bernama di sini hari ini.

Beliau berkata lori lima tan yang membawa muatan simen, besi dan mozek itu dipercayai bergerak perlahan di sebelah kiri laluan ke utara itu memandangkan ia membawa muatan berat dan tempat kejadian juga merupakan kawasan laluan berbukit.

Ng berkata kesemua mangsa dibawa ke Hospital Raja Permaisuri Bainun di sini. Operasi menyelamat kesemua mangsa dalam kemalangan itu dibantu anggota Bomba dan Penyelamat di tempat kejadian, katanya. - Bernama

Read more:

• [Idiotic] Muslims not encouraged to use ‘RIP’, says National Fatwa Council
• Karpal Singh’s final journey, thousands bid farewell
• Tears flow as Penang bids farewell to Karpal

A Tribute to Karpal Singh - Never Gone 永远怀念卡巴星
http://vimeo.com/92351513

When And How To Tuck In Your Shirt

Why talk about something so basic?

Is there really a need to teach men something most of us have been doing since we were 5?

Well, yes, actually. Just look around. How many men do you see sporting a billowy, unkempt-looking shirt?
Or what about that guy giving a presentation who unconsciously re-tucked his shirt three times during a 5-minute talk?

Most men probably have no system for tucking in their shirts.

Just because you do something doesn’t mean you are doing it correctly.

The goal of this article is to expose you to a few tactics that might eliminate the nuisance of an un-tucked or wrongly tucked shirt.

So let’s get started!

What To Tuck And What Not To Tuck

When should you tuck in your shirt? It’s a question that’s often debated. Here are a few guidelines:
Shirts that are made with a flat bottom hem are meant to be worn untucked. But if the shirt has visible “tails” — that is to say, the hem varies in length, rather than being even all the way around — it should always be tucked in.

Wearing a shirt with tails untucked is not a forbidden look. But it is a juvenile one. With nothing else on the upper body, it makes you look like a teen rebel at a grown-up wedding. Under a jacket or with a suit, being untucked makes you look like you’re trying too hard to be stylishly rumpled.

There are men who will insist on the artfully un-tucked shirt. More power to them. But for my money, tucking in a shirt with tails will always give you a sharper and more mature look.

If your shirt doesn’t have visible tails, there’s more leeway on whether you should leave it tucked or untucked:

• Undershirts — These can always be tucked, and absolutely should be if there’s any chance of them poking out from beneath your other layers. For best results, tuck undershirts into underwear (more on this below).
• Polo shirts — They have an even hem and can be worn untucked, but are often tucked in for a little dressier look, especially by golfers. Rugby shirts, their long-sleeved cousins, are almost never tucked in, however.
• Turtleneck/roll collars — When worn under a sports jacket or blazer, these are often tucked so that the belt buckle is visible. On their own, it’s better to leave them untucked.
• Hawaiian shirts — These and any other loud-print shirts don’t get tucked no matter what their hem looks like. Seriously, just don’t. Nothing looks dorkier than a tucked-in vacation shirt. This goes for Guayaberas as well.
• T-shirts — Opinions are going to vary widely here. Some subcultures love the tucked T-shirt with the visible belt buckle; others will think you look like a total nerd. It depends a lot on the shirt, the belt, and the trousers, as well as your overall style. In general, don’t tuck the T-shirt unless it’s a deliberate style statement.

Need more?
Check out what Andy over at Primer has to say about tucking in your shirt and looking good (for you anti-tuckers!). I’ve also covered when to tuck and when not to tuck in video format. Finally, Beth over at Dappered gives us a woman’s opinion.

What Is The Proper Way To Tuck In A Shirt?

When it’s time to tuck in your shirt, do it the right way.

A good tuck should make the front of your body smooth and flat.

If your waist tapers below your rib cage, that should be visible. There should be no wrinkling and no “muffin-topping” — where the shirt blouses out over the trouser waist and makes a ring around your midsection.

You should also have a clean “gig line” — a military term for the imaginary line straight down the front of your body, from the point of your chin to your crotch. A well-tucked shirt should sit so that the shirt placket (the rectangle of fabric where the front buttons are located) lines up precisely with the fly of your trousers. The belt buckle and trouser button should be centered neatly in that same line.

A clean gig line divides your body cleanly, emphasizing evenness of proportion. It also tells people that you pay attention to detail — or it might be more accurate to say that a sloppy gig line tells people you don’t. Either way, you want it crisp and vertical.

Finally, keep in mind that a good shirt fit in the first place will always make tucking the shirt in easier.

The less excess fabric you’re dealing with around the waist, the less your tuck has to secure. A well-fitted shirt is also sure to be long enough for an effective tuck, while a short shirt will always be in danger of escaping no matter how well you tuck it.

1. The Basic Trouser Tuck

This is where most men start and finish their shirt-tucking education — shirttails inside the trousers but above the underpants, shoved straight down all the way around the waist. It’s the no-thought way to do it, and it’s the most common as a result.

Here’s the easiest way to do this one, and you’ve probably done it a million times unless your father taught you a different method from a young age: put your underwear on, then put your shirt on and button it up, and then finally pull your pants on, buttoning them closed over the shirttails.

Your shirt ends up pinned beneath your trousers with no effort on your part. It just got there by virtue of the order you did things. And as long as your trousers aren’t too loose, the shirt will probably stay there. Just because it’s easy doesn’t mean this is a bad tuck.

If you don’t want to think too hard, this is the way to go. But be cautioned: it works well with a fitted shirt, and terribly with anything else. If your shirt doesn’t have a close, well-tailored fit, you need a little more technique to deal with the excess fabric.

2. The Military Tuck

This is how the armed forces are taught to tuck in their uniform shirts. It creates a pair of folded pleats, which are then pinned flat by the trouser waist for a crisp, stiff tuck.

Different services in different countries have variations on this, but the basic principle is the same: you stand straight in your shirt, and if there’s any loose fabric hanging on either side of you, you fold it into a sharp, diagonal crease, sort of like making the nose on a paper airplane. Then you tuck the creases in at the hips, belting your trousers on above them.

Below are the step-by-step instructions. Don’t be discouraged if this one takes you a few tries to get right! It really starts to shine once you’ve practiced it enough for the movements to become routine.

1. Have your pants on, but unbuttoned. You’ll need to close them up quickly over the shirt once you’re done with your folding.
2. Pinch each of the shirt’s side seams between a thumb and forefinger. Pull down to tug all the fabric taut.
3. Fold the seams backward toward your rear end, creating a pleat that folds over any loose fabric in the sides. Use enough pressure to pull the shirtfront smooth and taut across the front of your chest.
4. Button your pants up and belt them to hold the pleats flat against your body. Depending on how much excess fabric the shirt had, the folds should sit somewhere behind your hips, underneath the back of your armpits.

The military tuck can take practice getting the folds straight and flat, and it works best in stiff, smooth fabrics that can hold the crease well. Use it any time you’ve got excess fabric around the waist and sides of the shirt.

3. The Underwear Tuck

No, I’m not talking about tucking your dress shirt into your underwear.

Although this method is effective, it can backfire when your puppy dog boxers creep up past your waistline.
No, the underwear tuck refers to the need to properly tuck your undershirt into your underwear in order to ensure the dress shirt is between your underwear and trousers (vs. your undershirt and dress shirt sitting between your underwear and trousers).

Believe it or not this small difference has a large impact on how your shirt stays tucked in throughout the day.
Your ideal tuck, if you’re an undershirt wearer, should go in this order, from the body outward: undershirt, waistband of your underwear, regular shirt, waistband of the trousers, and finally your belt.

Oh, and if this doesn’t work well enough, you should look into purchasing a pair of underwear with grip technology that is designed to hold your dress shirt in place. My friend Mike over at RibbedTee just designed the Stuck Boxer Briefs, and makes them right here in the USA!

4. Shirt Stays — The Ultimate Shirt Tuck

A method with some extra help: small garters tug the bottom of the shirt taut beneath the trousers.
The phrase “shirt stays” is sometimes used to refer to collar stays (the flat tabs inside the points of some dress shirt collars), but it also refers to a specialized sort of garter. These are used by several militaries around the world, and are also popular among sharp dressers.

Basically, the stays are just a pair of small, elasticized garters with clips at the ends. You put your shirt on first and button it up, clipping one end of the garters to the tips of your shirttails (the stays come in sets of two, one for each shirttail/trouser leg). Then you put your socks on, and attach the lower clips to them, adjusting the buckles until the shirt is held straight but not taut.

Then you put your trousers on and get used to the feeling of elastic bands running vertically up your legs. It takes a few minutes to get used to, but I personally don’t notice it and rather enjoy the compliments a tidy look brings!

Recently there’s been a wave of alternative products that serve the same basic function with different mechanisms. There are high-friction belts worn under the trousers to cinch a shirt into place, underpants with clips that grip the hem of the shirt directly, and even little magnetized catches worn under the trousers to hold the shirt in place.

If you’re willing to add another item to your morning dressing routine, these can work well. Find the one you like and stick with it!

Watch a whole video on shirt stays to learn even more!

Bad Tucks

In addition to simply not tucking in a shirt that is made to be tucked in, there are a couple of bad ways to tuck:

The Half-Tuck
Tucked in at the back, but with one of the two shirttails in front (usually the left one — the one with the button, not the one with the buttonhole) popped out and waving in front of the trousers.
It’s supposed to be a sexy, just-rolled-out-of-bed look, or something.

Unless you’re Brad Pitt, you just look like you did a bad job tucking back in after going to the bathroom. It’s a step up from a piece of toilet paper stuck to your heel, but it’s not a big step.

The Once-Tucked
Once you’ve made the decision to tuck in your shirt, commit to it. Untucking a shirt that you’ve been wearing half the day in your pants results in the bottom section being wrinkled and rumpled — giving you a disheveled look. This is especially important if you’re going to wear a dress shirt untucked; when you decide to bend some of the rules, it’s easier to pull off if you’ve at least pressed the shirt from top to bottom. Brett will show you how it’s done.

The Tuck with No Belt
Obviously, when you tuck in your shirt, the top of your pants (and therefore any belt loops and buttons) will show. If your pants have belt loops, wear a belt. If you don’t like wearing a belt, consider removing the loops. Most of my own trousers utilize side straps versus belt loops, so just know your preference and buy the type of trouser that suits you best.

Watch a video recap:

source: http://www.businessinsider.com/when-and-how-to-tuck-in-your-shirt-2014-4?IR=T&

喝酒臉紅的人,能活多久?

來自腫瘤醫院醫生的忠告： 別勸別人喝酒了！除非你跟他有刻骨銘心的仇！

一位醫生說的:今天我們科室又收來16 個食道癌的患者,最年輕的才27歲, 全是食管中段的病變。幸運的是都是早期癌。

再次給大家普及！喝酒臉紅的人是體內缺少解酒的物質，臉紅是中毒的癥狀，這樣的人喝酒比其他人患食道癌的概率多16到28倍。 正能量轉發！

朋友要體諒，不要拚酒量。 以前的酒還是糧食做的，現在的酒基本上是水和化學物質勾兌的。

朋友們，你們喝的不是酒，喝的是化學物質。

喝下去傷肝又傷腎。

我轉了，因為你是我的朋友！

我希望能經常看到你！ 還因為身邊有一群愛喝酒的朋友！

適量喝，把握度。

喝酒上臉的人真能喝酒 嗎？有沒有科學依據？

親朋好友相聚常 常要喝點酒，推杯換盞間，有些人酒一下肚臉就紅了,以前人們多認為這是不勝酒力；近年來,“臉紅人酒量大、代謝快”的說法占據了主流。近日，一 位俞先生來電，稱自己一喝酒就臉紅，生意場上的朋友都說他能喝，在一次喝了二兩白酒 後，吐得一塌糊塗不說，半夜去醫院急診打保肝吊針才緩過來，“我真的是喝怕了！”

　　“喝酒上臉的人真能喝酒 嗎？有沒有科學依據？”這樣的話題在各大網絡上流傳，關註的人不僅是經常喝酒的人。

　　研究發現：喝酒上臉的人代謝受阻

　　“從醫學上講，‘喝酒臉紅的人更能喝’的說法是錯誤的！”武漢大學中南醫院消化內科主任醫師施先艷日前表示。

　　她說，任何食物進入人體後都要進行消化代謝。酒精代謝主要靠肝臟裏的乙醛脫氫酶2（ALDH2）。酒量大的人，體內的乙醛脫氫酶2相對夠用。而喝酒紅臉的人，說明肝臟內的乙醛脫氫酶2偏少，酒精代謝會因此減慢、受阻，存留體內的酒精刺 激血管擴張,導致臉色、及身體其它部位的皮膚發紅（如頸部），另外還會出現心跳加快、惡心等醉酒癥狀。

　　“喝酒臉紅的 人並不能喝酒，這種結論在國外研究界也已經認定。”施先艷告訴記者，美 國《PlosMedicine》雜誌2009年第3期第6卷上，刊載了一篇名為《酒精性臉紅 的反應：來自於飲酒關於食管癌未知的風險因素》的論文，美國國家酗酒與酒精中 毒研究所和日本久裏濱酒精過敏研究中心的研究人員的聯合研究發現，對於體內缺乏乙醛脫氫酶2或這種酶不能正常發揮作用的人群來說，患食道癌的風險隨酒精攝入量的增多而增大。這種風險發生的幾率的可能遠遠大於那些飲酒後“面不改色”的人群。

喝酒臉紅的人，其實是不能喝，請不要再逼他們了。為自己，為親人，一定得轉！

2014年04月11日 - 钱途屋语：买房要准备多少钱？

标价多少算是可负担房屋？在目前市场价位上扬幅度快速的情况，已经不容易定义。

根据政府为可负担房屋推出的各种计划，可见目前比较能接受的价位是40万令吉。

即使如此，你会发现，这个价位的房子已是买少见少了。

如何为可负担房屋定义是一个问题，但购房门槛相信是更多人关切想知道的。

可能你很难相信，大约在4到5年前，是有可能以20万令吉左右，在一些热门的城市地点如吉隆玻、八打灵再也、新山或槟城，购买一间不错并不小的公寓，而且这很普遍。

在2010至2012年间，政府将可负担房产定价在约22万令吉。

这可从2011年财政预算案中宣布的“我的第一间房屋计划”（SRP）中印证，因为政府当时将这项计划的住宅顶价定在22万令吉。

但当来到2012年底时，这个价位的房子已经很难找到了。

首间房屋计划顶价40万

首购族开始发现，他们无法承担房产的市价。

观察到这个变化，政府去年将“我的第一间房屋计划”的顶价设在40万令吉。

这转变由多个因素导致；一边厢，低收入群对这可负担房屋40万令吉的标价发笑，因为那根本是他们无法承担的价位，而另一边厢，城市的年轻首购族发现如今很难再找到这价位的房子。

不管政府如何努力为“可负担”这个词来标价，其实都应依照个人的情况而定。

今天对你来说是可负担的，但却无法提供你相对于5年前可负担价位的同等生活质量。

不管你如何定义可负担，要探索入场的门槛有多高，即你需准备多少现金才能购房，让我们从10万令吉至60万令吉的房价对比，就能一探究竟。

须准备头期钱律师费等 首购族享优惠

首先，我们要看看买房的成本，尤其是房产价格和下订时需准备的现金对比。

一般来说，购买房子时必须准备屋价的10%为头期，之后就是律师费和印花税等费用。

从上表屋价和进场成本的对比，看来趋势并不令人鼓舞。

但假如你是首购族，你还有几个减轻负担的方法或项目可考虑：1.购买40万令吉以下房产，买卖合约的印花税减50%2.申请“我的第一间房屋计划”，购买合资格的房屋价格（40万令吉以下的房产），以便可获得100%贷款，意思是不必付屋价10%头期。

须考虑贷款能力

即使你拿得出头期钱和下订时需缴的费用，你还需要符合银行设定的资格来申请按揭式的房屋贷款。

当你考虑房贷的承担能力时，有2个方面必须仔细考虑。

首先，在银行批发贷款前，你的收入必须符合银行的最低要求；其二，即使你符合资格，还要计算你的收入缴付房贷供期后所剩多少，是否足够的资金过生活？这是最切身和实际的问题。

假如这2个问题，其中一项答案是“不”的话，还要继续买房便是不智的决定了。

上表中，我们根据目前的利率、房贷款额和供期等数据，计算出申请房贷所需的最低家庭收入统计。

这只是最基本的统计数据，因为这还未纳入你可能正肩负的其他财务责任。

总结

善用免费谘询服务 掌握可承担房贷价

尽管每个人的财务状况可能都不同，但购房所需的成本与屋价基本上是相符的。

要确认自己有能力与否，必须对比你的个人财务和所需成本。

不管你是不是首购族，申请房贷和购屋时，请谨记善用Loanstreet的免费网上资讯和谘询服务。你也可以在Loanstreet网站使用房贷计算器，掌握自己可承担的房贷与屋价等资讯

发人深省！一个德国女人没有钱的富有人生

10塊錢過一天什麼的都弱爆了，有個德國女人已經過了18年沒房沒車，甚至沒有錢包的生活！她叫海德瑪麗·施維爾默，1996年辭職，退掉租房，所有財產送人，開始不用金錢的生活，靠幫人做園藝、清潔換取食物和棲息之所。今年，她72歲。海德瑪麗·施維爾默

她把經歷著成書《福從天降的試驗》，並一夜成名，獲得豐厚稿酬，再把錢送光……你可能覺得這個老女人一定是瘋了或者受了什麼刺激，但她本人覺得自己非常富有，快樂並且充滿活力。不管怎麼樣，我們先來看一看她的經歷，興許能對你有所啟發，找到新的生活方式也不一定呢！

【在德國做朵不要錢的奇葩】

即使在德國，海德瑪麗也算是個奇葩：既沒房沒車，也沒有醫療保險，別說是帳戶，她連一個錢包都沒有。她可不是什麼窮困潦倒的失業者！不然每個月去領300多歐元的社會救濟金就好了，國家還會為她提供住房和醫療保險。實際上，海德瑪麗曾經是拿“鐵飯碗”的小學老師，還當過 ​​收入頗豐的心理醫生——可是她什麼也沒有，哦，是什麼也不要。

她決心要過一種擺脫金錢的生活，而且一過就是十幾年。在全德國都在討論社會救濟金過低，是否已出現貧窮階層（我們這些人心裡則嘟囔著“身在福中不知福”）的時候，身無分文的海德瑪麗卻認為自己非常富有。

【童年的困惑】

錢對於人來說真的是必不可少的嗎？這個種子在海德瑪麗很小的時候就種下了。

1942年，東普魯士一個富有的咖啡廠廠主家迎來了第三個孩子，她就是一頭金髮的海德瑪麗。在保姆悉心的照料和兩個哥哥的陪伴下，海德瑪麗快樂無虞長到了兩歲，二戰的戰火卻燒到了她的家鄉。在一片慌亂中，海德瑪麗的爸爸被徵召入伍，上了戰場，媽媽則拉扯著幾個孩子開始了逃亡。

當他們逃到北德的海濱小城艾克福爾德市時，早已是一身破爛，一無所有。一下子從富有跌入貧窮帶給幼小的海德瑪麗最大的困惑是：為什麼失去了財產和金錢，他們一家在人們眼中突然就變得那麼一錢不值了？難道錢是衡量人的價值的唯一標準？

【獨闖蹊徑——自助服務互換圈】

畢業後，海德瑪麗當上了老師。老師在德國是終生職業，她15年做得好好的卻主動放棄了這個鐵飯碗，改行做了心理醫生。而一個偶然的機遇改變了她的一生。

一天她在廣播中聽到，加拿大鄉村的一個公司突然倒閉後，當地的人都失去了工作。為了自助，這裡的人組成了服務互換圈，也就是你幫我修車，我幫你做飯、打掃衛生——這一下子給了海德瑪麗靈感，為什麼不建一個這樣的服務互換圈呢？對，一個不受金錢左右、只靠人本身的價值來維繫運轉的微型社會圈！

說乾就乾，海德瑪麗嘗試著建立起了一個純私人的服務互換圈。她每天忙於收集地址，記錄每個圈友能提供的服務。這個互換圈的範圍剛開始還只局限在多特蒙德，但是很快就發展到整個德國。

但這並不能能令海德瑪麗滿足，4年後，她離開自己建立的互換圈，向她的下一個目標邁進。那時她早已和丈夫分居，一雙兒女也早已長大成人，有了各自的小家庭。海德瑪麗毅然退掉了租屋，把家具和所有用不著的東西都送了人，只留了一些衣物存放在朋友家。如此破釜沉舟，是因為她決心做一個嘗試——過一個真正沒有錢的生活。

她為別人提供法語輔導，換取一個手機卡；為商店打掃衛生，換取新鮮的水果和蔬菜；幫眼鏡店的老闆照看家裡的貓，換一隻眼鏡；圈友出去度假，就幫他們看家和照看寵物——這樣她幾個星期就不用為住處發愁了。有時，她也會重操舊業，為圈友做心理諮詢。不過，她始終如一的原則是：絕不接受金錢。

【福從天降的實驗】

有關海德瑪麗的紀錄片《Living Without Money》

原本這只是一個實驗，看看在現代社會沒有錢能否活下來，一年後再恢復以前的正常生活。海德瑪麗沒想到自己會越來越適應這種沒有錢的生活。一家出版社發現了她，為她出了一本自傳：《福從天降的試驗》。

這本書的出版，讓海德瑪麗一夜成名，榮譽和金錢也“從天而降”：各國出版商也紛紛要求出版她的作品，海德瑪麗成了電視座談節目的常客，頻繁被邀請到各地演講……不過她依然堅持不接受金錢報酬的原則，除了出版社的稿費。

 她把錢揣在兜里，一開始是一千歐元的“大票子”，走在街上就送給不認識的人。後來就換成100歐元面值的，送給一些單身母親，直到把錢送光。海德瑪麗不是沒想過，多掙點錢然後把錢送給需要的人。不過最後她放棄了這個想法：“我想明白了。這沒有用，不過是杯水車薪，解決不了社會上的問題。而且，人也永遠不會滿足。與其那樣，我還不如在體制結構上下功夫。 ”

海德瑪麗渴望尋找到一個不受金錢左右的價值體系，她說​​：“我的願望是改變社會。”她通過座談會、演講和讀書會，與大家分享自己的人生經歷和思考。

【人何必成為錢的奴隸】

“ 對有些人來說，我的活法是一種挑釁。但對另一些人而言，我則提供了一種答案。”

“這10年的經歷告訴我：這一切是可行的，我們真的可以這樣生活，而且活得很好。”海德瑪麗認為這些年沒有錢的生活讓她變得格外富有，她不僅不用為怎麼存錢、花錢而耗費精力，從而贏得了時間，也結識了無數志同道合的朋友，更有機會時刻面對自己的內心，真正認識到自我的需要。

“人在生活中總是被恐懼心束縛，我把恐懼看作是我身體裡一個活的生命。”她 ​​欣喜地發現，當她不認為自己和恐懼是一體的時候，恐懼就開始離她遠去。與此同時，她也學會了調動自身抵禦疾病的能力。

幾年前，她騎車時摔倒在地，傷到尾骨，疼得抬不起身子。但她堅持不讓路人叫救護車（德國人不玩“碰瓷”），而是裝作好多了的樣子，打電話給朋友讓他把自己送到她正在幫別人看著的一個家裡。回憶起當時的情況，海德瑪麗說：“我在床上躺了3個星期，一點兒也不緊張。現在想起來，還挺驕傲的。我學會了耐心等待，等著疼痛慢慢過去，什麼止痛藥也沒吃。”

就這樣，海德瑪麗依靠自身的恢復能力重獲了健康。這使得她更加堅信，生活中沒有一定要用錢才能解決的問題。目前，她的第二本書也已經截稿。

她驕傲地說：“我知道，有一股神的力量在引導著我。我一點也不用害怕。我只需要用心去體會人生存的目的，一切都會過得很好。錢也許在哪一天就會徹底消失，人又何必成為錢的奴隸。”

感謝海德瑪麗，她是一個勇敢而執著的先行者，用她的生活告訴我們人可以不必為金錢奴役，而依靠自身的價值與能量從恐懼、空虛中獲得解脫。希望她的故事能對你有所啟發，並從中受益！


推薦了一系列有趣的影片清單
時代精神:邁步向前
http://youtu.be/ouBB3yGiSlw
所有社會問題根源都在於金錢問題，因此超越金融貨幣體系，共創一個不需金錢這個母體的社會才是最終唯一正解。請上網搜尋「時代精神運動The Zeitgeist Movement」、「維納斯計畫The Venus Project」、「資源導向型經濟Resource-Based Economy」，了解更多新的社會體系運作模式。

維納斯計畫完整概述 The Venus Project：樂園或湮滅 Paradise or Oblivion
http://youtu.be/YN54Bx0IX6I

時代精神運動完整概述 The Zeitgeist Movement：入門指南 Orientation Presentation
http://youtu.be/w4KkkHivS4Y

無條件基本收入:一個文化的推動
http://youtu.be/vyRpfMX67c0
因為超越金錢是一般大多數人絕對想不到的盲點，所以仍只想守成的話，那就先看看無條件基本收入這個早已在目前的主流經濟學中被提出來的想法吧。但不管怎樣，目前以法幣為基礎的債務貨幣已經行不通了。關於「債務貨幣」這個概念，請再參考以下的「債務貨幣」八部曲資料:

時代精神：附錄 Zeitgeist：Addendum
http://youtu.be/I0IBlMg2atE

問世間錢為何物：資源導向型經濟 VS 人類史上最大的騙局
https://youtu.be/jC4VR56AGbo

金融改革紀錄片(97% Owned)－97%被私人銀行佔據的無中生有債務貨幣 97% Owned(2小時10分)
http://youtu.be/Ej3Gn_2didc

金錢主宰 The Money Master 最強重量級金融貨幣史紀錄片
https://youtu.be/fF_YyA-8fFM

美國夢
http://www.youtube.com/watch?v=1hJIGi1T0bQ

債務貨幣/金錢就是債務
http://www.youtube.com/watch?v=4qsvvokeFM4

替代貨幣紀錄片：改造金錢 The Money Fix
https://www.youtube.com/watch?v=ernmdkbJP04

天啟四騎士
http://youtu.be/2it9GiLyNYw

俺－地球有限公司老總：帝皇的錢權傳承 Owned&Operated
https://www.youtube.com/watch?v=onSukcwCjv0

能源、資源危機動畫紀錄片：世界末日 There's No Tomorrow
https://www.youtube.com/watch?v=a0guMS-13Ps

十字路口：一個新世界觀誕生的陣痛 Crossroads: Labor Pains of a New Worldview
https://www.youtube.com/watch?v=QlUofvLg2i8

時代精神運動 The Zeitgeist Movement：覺醒 Awakening(完整無分割版)
https://www.youtube.com/watch?v=gYgHwN2bNgo

維納斯計畫：設計未來 Future by Design (2006得獎完整記錄片)(高畫質版重新內嵌字幕)
https://www.youtube.com/watch?v=rFywHXNxrFI

全球的貧富差距真相
http://youtu.be/TvjWM8f7D5Q

 羅素·布蘭德：為什麼我主編一本政治雜誌但我從不去投票
http://youtu.be/iZe-0oCzuBc

無價值的美元即將崩潰:來自世界銀行前任內部人員的揭密報告
http://youtu.be/VqxeuooZbUY

在英國電視訪問中超坦白的金融交易員
http://youtu.be/TdYzQvnM1aY

人類史上最大騙局
http://youtu.be/jC4VR56AGbo

孟山都的基因改造世界(11之1)繁體中文字幕
http://youtu.be/K9NZKUJ92Zs

《工作時代的終結》鮑伯·布萊克：世界的工人們. . . 放輕鬆吧！
http://youtu.be/eq6-n_YdtRo

時代精神：邁步向前
http://youtu.be/ouBB3yGiSlw

40 Financial Things You Should Know by 40

Many by-40 milestones have become debatable: Get married? Only if you really want to. Own a home? If it's financially feasible. Know what you want to be when you grow up? Well, if 40 is the new 30, you're certainly entitled to change your mind.

But there's one thing that's non-negotiable: By age 40, you can't get away with being financially clueless anymore. Especially since retirement might be a lot closer than you think! We've put together 40 money things, big and small, you should know before you turn the big 4-0. Why? So you can help achieve your financial goals with plenty of time left over to enjoy them!

1. The three basics of a solid financial foundation. Credit card debt paid off. Emergency fund stocked up. Retirement account(s) in existence and growing. Everything else (travel, homeownership, investments) should come after.

2. How to create a budget. Because without one, you may not reach any of your goals, like buying a home, paying off your credit card debt or traveling the world. Learn how to build your budget with our step-by-step guide.

3. How much you should be saving. The answer: 20 percent. Not sure how we arrived at this number? Look no further than the 50/20/30 rule, which divvies up your monthly budget as follows: 50 percent is reserved for essentials (think mortgage, rent and groceries), 30 percent is allocated for your lifestyle choices and at least 20 percent goes to "financial priorities," which include your debt payments, your retirement contributions and your savings. Here's more detail on the why and how of saving a fifth of your paycheck.

4. Your net worth. Yes, you have one. This is the sum total of your assets (bank account balances, savings, investments, etc.) minus your debts (loans, mortgage, credit card debt, etc.). Your net worth is the easiest way to get a big-picture perspective on your finances. Want a quick way to figure it out? Link your accounts in the free LearnVest Money Center, and we'll do the calculating for you.

5. How much you make and how much you spend each month. It sounds like a no-brainer, right? "But most people, regardless of their age, don't know how much money they have coming in and going out," says Natalie Taylor, a CFP® with LearnVest Planning Services. For a full breakdown, visit the Money Center to see your incoming versus outgoing finances.
RELATED: 3 Households, 3 Budgets: How We Divvy Up Our Paychecks

6. How to get out of debt. Now is the time to be saving for your future, not paying off your past. Hopefully your debt repayment efforts are already in full swing, but, if you're not there yet, now's the time to make a plan. Here's a quick checklist to help you. Want the big kahuna? Get Out of Debt Bootcamp is our three-day, in-depth plan to help you finally live a debt-free life.

7. Your credit score. Still not familiar with this number? Afraid to look? Here's why, by 40, you should know it cold. Your credit score determines not only what kind of credit cards you'll get approved for but also how expensive your mortgage and car loan would be. Learn how to monitor and improve your credit score here. Speaking of ...

8. How to pull a free credit report. Voilà.
RELATED: The Mistake That Plunged My Credit Score 200 Points

9. It can take a long time to save up a down payment. When it comes to buying a house, "People always say, 'Get in as soon as you can,' and 'It's OK to be house poor.' But before buying a house, you should be financially stable. If that's not until your 30s or 40s, that's OK. So many people have rushed in, and then they can't handle the payments," says Taylor. Find out how much house you can afford.
RELATED: Adventures in Real Estate: I Bought a House at 21

10. What is a financial emergency and what's not. Sure, it may have been cute to splurge on shoes and come up short on rent when you were 22. By 40, you ought to know what it feels like to have a fat six months of savings sitting pretty in your account and the only five reasons you should be dipping into it. No, that out-of-state wedding doesn't count. (It's actually optional, no matter what your sister-in-law says.)
RELATED: The 3 Times I Used My Emergency Fund: Was I Right to Dip Into It?

11. What your ideal retirement will cost. Have you ever really crunched the numbers? On the internet, there are practically as many retirement calculators as there are singing cats. But most people we know don't visit them. (The calculators, that is.) However, at 40, retirement -- if you've planned right -- may be a mere 25 years away, so you ought to know how much you need to save up. Here's a good place to calculate that. And here's why starting to save more right now, instead of a decade from now, will make getting there significantly easier.
12. How much you have saved for retirement. OK, cool, you've been diligently contributing to your 401(k). Somewhere out there you may have an IRA or two. (And you might want to look into rolling over these balances into fewer accounts.) The important thing is to know how much you've saved and how much you still need to. So, go on. Dig up your passwords. Crunch the numbers. Or link your accounts in the free LearnVest Money Center and we'll show you.
13. How to manage budget-busting friends. If you were duped by them in your 20s, shame on them. If you're still letting it happen in your 30s, shame on you. By this age, you should know who they are and how they operate. While you may love their sense of humor or style, you may hate how empty your wallet is after you hang out with them. It's about time you learned how to neutralize these culprits.
RELATED: Confessions of a Reformed Money Meddler
14. Your own money personality. Maybe you're the Budget-Buster. The Protector. Or the Pleaser. Discover how your Myers-Briggs quotient is affecting your finances.
15. That, the older you get, the more complex your money life becomes. "A lot of my younger clients say, 'I'll be able to save more for retirement when I make more money,' but the truth is, as they start to make more money, they have way more financial obligations," says Taylor. "They're not living in the shoebox apartment anymore. Then they get married, and they have a wedding to fund. Then they have kids, and they have college to save for." The bottom line? Today is the time to start, not tomorrow.

16. How your significant other handles money. By now, you probably know his favorite color, first pet and worst habit, but do you know how he thought about money growing up? Or exactly where she stands -- financially -- today? Here are six money questions to ask each other and a Love & Money Bootcamp to help you get on the same page. And, when you're ready, a financial plan to help you build the life you want together.

17. Where your parents stand financially. It's a rough role reversal, to be sure. After all, they were probably the ones who took care of you, but trust us, you'll be glad you had this conversation. Start by finding out how to access their account balances, health insurance and long-term care insurance. Then ask them these six money questions today.
RELATED: Aging Care: 6 Tips to Help Older Parents Manage Money

18. The basics of investing. Before you put any money in the market, you should know how it works. Get a quick tutorial here: Investing 101. Or, try our everything-you-could-possibly-need-to-know-and-more in-depth program: Start Investing Bootcamp. But don't get ahead of yourself either. Don't even think about investing until you have a fully funded emergency savings account, no high-interest debt and are on track for retirement.

19. A good tax accountant. Whether you D.I.Y. your taxes or hire someone to file your returns is up to you -- and depends on your financial situation. Here's where you can find out whether it's worth it to pay an accountant. Got other tax questions? We answer them here.

20. Your total compensation package. We know: We've all been so grateful to get the job that we signed on the dotted line without a backward glance, too. But that was then. By this stage in your career, you should know more than the number that makes up your base pay. "Does your employer offer disability insurance? Life insurance? You should know that," Taylor says. The same for matching retirement plans, health benefits and even 529 plans.

21. What a 529 plan is. No, it's not a cut of blue jean. If you have kids, and you think their education is important, you should know this term. Hint: It helps you save for college.

22. How to maximize your time. Binge-watching on Netflix can be fun ... until it's not. Here are the eight best time investments you can make.

23. Who your health care proxy is. We cannot overstate the importance of choosing someone to make medical decisions for you if you were incapacitated. Fun task? No. But you don't want to leave this to chance.

24. That it's possible to juggle a couple of money goals at once. Some of the most common questions LearnVest Certified Financial Planners™ get are what they call "This or that?" questions. In other words, you may want to build up your savings, pay down your debt, save up for retirement and make that dream vacation possible, but you only seem to have $200 left at the end of each month. First, know that many people feel like this. Second, know that a financial planner can help you prioritize.
RELATED: Is It Possible to Over-Plan Your Life?

25. That you will never have "enough" money. "In nine years of being a financial planner, I've never met a person who's had enough money," Taylor says. "Our lifestyles seem to be ever-expanding as our incomes expand." Case in point: Even the uber-wealthy feel poor. The takeaway? Stop feeling like tomorrow is the time to tackle your financial burdens and take control of your money today.

26. That you never know the truth about other people's finances. The co-worker with great clothes could be deep in debt or have family money. The neighbor could be close to foreclosure or have paid cash for her house. That's why it's never wise to compare yourself to other people.
RELATED: How to Cure Your Money Comparisonitis

27. What not to do when you buy a new home. We all love to renovate. But remember: You're not on an episode of one of those D.I.Y. extreme home makeover shows and, in real life, big projects cost big bucks. So don't let your aspirations do you in. Here's how to set a realistic renovation budget and stick to it.

28. How to find a financial planner you trust. It's your money, so you should have perfect confidence that the person who is helping you manage it is smart, capable and 100 percent on your side. When choosing one, watch out for these red flags.

29. How to dress fabulously on your budget. Overspending on the latest, slickest or coolest new apparel can be the downfall of many. But it's possible to cut down your clothing budget, and still rock head-turning style, on just about any salary. Our Priceless Style Bootcamp is a good place to start.
RELATED: How I Did It: I Cut My Clothing Budget to $600 a Year

30. What "rebalancing" means. When you were 10, it meant climbing back up on the balance bar in gymnastics class. Now, it may mean making sure your investment portfolio is primed to grow, while also protecting yourself so your accounts won't be decimated if there's a stock market downturn. Here's an article about how to rebalance your portfolio.

31. Why life insurance is so important. Even if you don't have kids, it could still be a life-saving option. And "life insurance is cheap, as long as you get it early," says Taylor. Here's everything you need to know.

32. The big cost of your little splurges. By 40, you should clearly understand how your $5-a-day smoothie habit can add up, keeping you from making progress on your money goals. While you're out and about, use the LearnVest iPhone app as a handy reference tool to keep track of and categorize all your transactions.

33. A favorite under-$10 dinner. As a bonafide adult, you should have not only a signature dish you can wow with, but also five quick meals you can whip up that won't break the bank. And no, ramen noodles don't count. That ship has sailed. (Still stumped? Try one of these.)

34. How to negotiate a better salary. Sure, spending less and saving more help, but there's no faster way to financial freedom than growing your income. Make sure that you're earning what you're worth.

35. What a will is -- and why you need one. By this point in life you need one ... or two. There are actually two kinds of wills: a last will and testament and a living will. Put simply, a last will and testament is a legal document that spells out what should happen to your possessions when you die. (And, yes, you have possessions.) A living will, on the other hand, is a health care directive for what should happen to you if you're unable to communicate your wishes. Guess what? You need both. Brush up on wills and trusts with our guide.
RELATED: 10 Questions for...an Estate Attorney

36. How taxes factor into your retirement plan. Some retirement savings vehicles have you pay taxes now and are tax-free later. Some are tax-free now but charge you tax when you withdraw funds. "It's not only important for your investment portfolio to diversify, it's also important to diversify your tax situation in retirement," Taylor says. "So make sure you have some tax-free sources of income in retirement, as well as some taxable sources, so you can control your tax bracket when you get there." If that's confusing, we'll explain.

37. That cashing out your 401(k) may hurt you. Now and later. You already know that pulling money out of your 401(k) sets you back years and years when it comes to retiring, right? But guess what: You'll also have a huge tax bill to pay the next April. Plus, you're more likely to plunder your account again. That's another reason it's important to have an emergency fund. (In addition to not cashing out, steer clear of 401(k) loans that let you borrow against your retirement savings and pay it back -- with interest.)
RELATED: Learn It: Your 401(k) Is Not a Bank!

38. The ins and outs of interest. Simple interest is a percentage multiplied by the amount and the length of time you promise to pay it back (if we're talking about a loan -- or, if we're talking about a simple savings account, the length of the time that you leave the money there, untouched). Compound interest, on the other hand, is calculated more frequently so that it builds upon itself to make interest grow continually. Here's how it can help and hurt you.

39. How your money can affect change. Sure, you may like to give to charity here and there, but how you choose to invest your money can also make a statement and a difference. Learn about socially responsible investing.
RELATED: Warren Buffet's 4 Steps to Giving to Charity

40. A financial plan. Maybe you prefer to budget in envelopes. Maybe you have a 12-step plan for your retirement (by 40) all mapped out. Whatever you choose, studies have shown that people who think about the future are better able to make their money grow. And sometimes you need someone to help with that. LearnVest Planning Services offers financial plans by Certified Financial Planners™ to help you get where you're going.

This story originally appeared on LearnVest.
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LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. LearnVest Planning Services and any third parties listed in this message are separate and unaffiliated and are not responsible for each other's products, services or policies.

source: http://www.huffingtonpost.com/learnvest/40-financial-things-you-s_b_5069751.html