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Sunday, September 19, 2021

[Zack's BookCafe] Don't Sweat the Small Stuff for Men

Spending time with kids brings a sense of balance to our lives. It reminds us that the best things in life aren't things. Instead, the magic of life is revealed by the interactions we have with others, particularly those we love. In my opinion, kids, more than anyone else, enable us to be touched by life. I have learned more about life from being a dad than from anything else. p11

I never regret a single moment of the time I spend with my kids. I also know that when my kids are grown ups - only a few more years from now - I'll never regret the time that I spent with them, and I'm sure I'll wish I'd had more. And when you do, remind yourself of the gifts they bring to your life. I've never met a man who wasn't happy to have made this decision. I hope you'll make it too. p13

If you can see the value in becoming a little less serious - for yourself and those around you - then you have it in you to do so. Instead of waiting until the end of you life to have a change of heart, make that effort now. You'll be glad you did. p18

A sense of humor does many things. Not only does it make you feel less tense and anxious, but it gives you better judgment as well. Rather than being bogged down with seriousness, you're able to rise above the cloud and see things more clearly. p26

I love acronyms, and the word "golf" is one of the best I've ever come across. If you put together the letters G-O-L-F, what you come up with is this: Gift Of Life Forever. If you could only remember what a gift life is, we'd surely be happier, and we wouldn't be sweating the small stuff. At least not as often. p30

Patience is a virtue in both golf and in life. It's interesting to observe a good golfer eyeing his next shot. He take his time and absorbs the totality of his environment. He waits until he is ready to take his shot. So, too, in life. Living effectively involves plenty of patience. When we are patient, opportunities present themselves and solutions tend to surface. p31

Remember that when you send a little time taking care of yourself physically, emotionally and spiritually, you become a deeper, kinder person. You become less reactive and more patient. You develop your compassion, kindness, generosity. So that when you're with your spouse or girlfriend, children, friends, and coworkers, you'll be easier to be around - and more fun, too. p34

A calm mind is clever, creative, effective, and resourceful. Following every negative train of thought that enters your mind is stressful. Stay on board, and your life will more manageable and less exhausting. You'll have more energy for the fun things - like boating, perhaps! p37

I've found it really helpful to see life - especially the hassles and irritations - as a series of tests. Somehow, it puts things into better perspective, allowing me to keep my patience, see the bigger pictures, and let things go more easily. I hope you'll give this simple suggestion a try - you'll be glad you did. p39

Consider how you would respond to the following two sentences spoken by a spouse, lover, or friend. First, "I hate my stupid job: it sucks." Or, "Do you know that I'd really love to be doing?" Wow - what a difference. In the first sentence, you, as the listener or receiver of the compliant, want to leave the room. Your instinct is to pull away. In the second, however, you want to hear more; you want to engage in the conversation because it brings you closer to the person who is sharing. p45

Keeping things such as problems, hassles, and inconveniences in perspective is a gift. It helps you avoid unnecessary stress and heartache. The key to getting started is take a step back and try to see the bigger picture. Ask yourself, "In the scheme of things, does this really matter?" Sometimes it does matter. But often it doesn't. I think you'll find that the slightest shift in perspective will result in a tremendous amount of inner peace. By keeping small things small - and saving your reactions for the truly bigger things - you'll spend less time being upset and more time enjoying life. p54

Unfortunately, when you're busy comparing one person to another or one experience to something else, you often miss out on what's right before you. Likewise, when you break the comparison habit, or at least lessen its grip on the way you see the world, you'll begin to notice that life really is a magical adventure. Each experience is unique an worthy just the way it is. p71

One of the keys to being an effective public speaker is to be able to read your audience. In a nutshell, this means that if your audience is receptive to what you're saying continue on the same track; if not, you make adjustments. You're constantly checking in with the people you're speaking to - making sure your message is being accepted in the manner which it is intended. Reading your audience also enables you to know when it's time to repeat a major point you are making, as well as when it's time to quit. p96

Ironically, however, when you learn to have conflict - without it having you - you'll end up getting your way, even more than before. Because you'll have a more open, receptive mind, you'll see solutions where others see only problems. Furthermore, because you'll come across as less adversarial, others will be more open to your point of view. You'll discover new ways to resolve your conflicts, all the while maintaining your peace of mind. p101

It's all a matter of where you direct your attention. Do you focus on the hundreds of irritants in the world because they are there or do you focus instead on the small percentage of life that suits you? By making this simple shift in attitude, you're going to change the way you feel about many aspects of life. p107

Memorize the words, "There is no such thing as bad weather - only different kind of good weather" p138

As you extend your acceptance of the weather into other area of you life, you'll observe a noticeable change in the way you feel. Acceptance reduce pressure and anxiety. As you embrace what's going on in life instead of demanding that it be somehow different, you'll spend far less time being frustrated because you'll be so much more open, accepting and interested in what's really going on. p140

Often, when someone is mad at me, I attempt to implement this strategy. Rather than trying to explain myself, which often compounds or exacerbates a problem, I allow the person to vent their frustration. Usually, that's all it takes. In fact, the less effort, the better. Ironically, your well-intended actions can backfire. By allowing relationship to unfold, in their own time and in their own way, a magical connection has a chance to develop. What I've learned is that, in these instances, less effort is usually better. Rather than struggle for an answer, make one up, or pretend I have one. p145

Being present is one of the most talked-about mental dynamics in spiritual life, and, I believe, may be the single most important concept of living if your goal is to be happy and effective. In the absence of being present, you live in a world of fear, anticipation, regret, anxiety, and stress. Your mind takes you back into the past, reminding you of painful times, and your world of troubles, as well as off into the future, encouraging you to worry and fret. p159

If you start paying attention to your feelings, you might be surprised at what they are trying to tell you. If you're feeling stressed, it means you're having stressful thoughts. If you're feeling resentful or overwhelmed, it suggests you're having those kinds of thoughts, and so forth. By making the connection between the feelings you experience and the stress you're feeling, you can make some mental adjustments that can ease the problem. p165

Most of us have times when we treat small stuff like it's really big stuff. From my perspective, the more often we catch ourselves doing so, the better off we will be. By treating actual emergencies as emergencies and everything else as non-emergencies, we will be less inclined to sweat the small stuff - and we will live happier and more effective lives. p173

I once heard a good definition of insanity - when you keep doing the exact same thing and expect a different result. In a nutshell, that's what hindsight is all about: to keep you from doing the same things and expecting different results. p188

Diversifying your life doesn't have to be a big deal. It might mean starting to read a book on a new subject occasionally or taking a class just for fun rather than "to improve" yourself. It could involve spending time with new people, becoming involved in a new course, or engaging in a new activity. p192

The first step in finding a solution is identifying the problem. Take an honest look at your life and the number of activities you are involved with. If a vacation is appropriate, take it and have a great time. In addition, however, why not consider the possibility that needing a vacation may not be the real problem? An adjustment in lifestyle might be the real solution. The simple realization may help you bring the sanity back to your life. It did for me. p211

The truth is, we don't have to do "great things" to make a difference, only small things. By taking small steps and actions, our lives can become instrumentals of love and compassion.

Every day we are given hundreds of opportunities to practice compassion in action. We can learn to be less reactive and live with more patience. We can smile when others are serious.

The more compassion that enters your heart, the happier and more peaceful you will become. By knowing that you are doing your part to create a better world - whatever from that takes- you will fill any void that exists in your life, and you will begin to find the peace you are looking for. p221

The act of slowing down from the inside enables us to respond to the event around us, rather than reacting quickly and habitually. Reminding ourselves, again and again, that life isn't emergency - it only seems that way sometimes - help us to see things more clearly. Slowing down and taking deep breaths has the effect of allowing us to see things as they really are, instead of as we imagine they are. It takes away that sense of urgency and that need to fight back that so often occurs when you're tense. p231

I can't think of any downsize to giving compliments. It's easy to do, it helps your relationships, make others feel good, and contributes to your own sense of joy. Giving compliments is a great way to make your life and the life of others, just a little bit better. p233

It's important to remember, if you want a fulfilling life, that time has a way of passing us by. One day flows into the next, which becomes a week, than a month, a year, ten years, and so on. The next thing you know, you're saying, What happened all the time?

What I've learned is that the easiest way to avoid regrets is to ask myself the question, "If not now, when?" It's a powerful way to put life and our decisions about how we spend our time into perspective. p268

The truth is, none of us knows how long we have on this planet. May you have fifty more years - or maybe it's fifty days. Who knows? I certainly don't. Every day, I use the fact that I don't know how long I have to live to enhance the quality of my life. I remind myself of what's really important in life, and try to back that up with actions and the way I prioritize things. p270

Don't Sweat the Small Stuff for Men★★★★(CARLSON Richard, HyperionBooks, 2001.09.01) Sep 17, 2021

Zack's Comment

How many times I have to regret for what I did?

How many years do I have to wait to be a mature person?

How long do I wait to be a rich that I expected?

The truth is, there are too many ways to live more effective and reduce the stress for small things. I'm trying to realize for the reason why I focus on things that cannot be controlled by myself. Let it be if I cannot control. It could be a wisdom in order to avoid unnecessary stress and circumstances..

Don't sweat the small stuff for your life. Yes, let's do this.

As per above highlighted comments for living a ordinary life from this book, I will keep them in mind from time to time when I lost my way of this planet until end of time for my life.


Monday, September 13, 2021

[Zack's BookCafe]인생도 복리가 됩니다

 

우리 대부분이 진짜로 관심을 가져야 할 대상은 사소하게 보이지만 자주 이뤄지는 작은 선택들, 즉 당신이 중요하지 않다고 여기는 그런 결정들이다. 그 작은 것들이 당신의 선택을 망친다. 멍청한 술책이든, 하찮은 행동이든, 긍정적 선택을 가장한 사악한 어떤 것이든, 그 사소해 보이는 결정들이 당신을 정상 궤도 밖으로 완전히 날려 버릴 수 있다. p63

여러분은 상대방으로부터 아무것도 기대할 수 없다 하더라도 기꺼이 100퍼센트를 주려고 해야 합니다. 관계를 유지하는 데 본인이 100퍼센트의 책임을 부담하려고 할 때만 관계는 지속됩니다. 그렇지 않으면 관계는 취약해져서 엄청난 불행으로 이어지고 말 겁니다. 즉 내가 내리는 모든 선택과 내게 일어나는 일들에 대한 모든 반응을 온전히 내가 '소유'한다면, 결국 내가 그 대상들을 통제할 수 있는 힘을 얻는다는 것이다. 모든 것은 나에게 달렸다. 내가 했던 일에 대해, 또 하지 않았던 일에 대해, 그리고 내게 일어난 일에 대한 내 반응에 대해, 그 모든 것에 나는 책임이 있다. p68

아이를 졸업하고 어른이 되는 것은 바로 자기 인생에 전적으로 책임을 지는 날부터 시작이다. 오늘이 바로 그 졸업식이 있는 날이다! 지금부터 자신의 인생에 100퍼센트 책임을 지겠다고 선택하라. 모든 변명거리는 버려라. 자신의 선택에 자신의 책임을 지는 한, 당신은 어떤 선택이든 자유롭게 내릴 수 있다는 점을 깨달아라. p75

습관과 행동은 절대 거짓말하지 않는다. 만약 당신의 말과 당신의 행동이 서로 일치하지 않는 경우, 나는 항상 당신의 행동을 믿을 것이다. 당신이 내게 말로는 "건강해지고 싶다"라고 하면서 손가락에 과자 부스러기가 남아 있다면, 나는 당신의 말보다 그 과자 부스러기를 더 신뢰할 것이다. 자기 계발이 최우선이라고 말하면서 도서관보다는 게임기 앞에서 더 많은 시간을 보내고 있다면, 역시 당신의 말보다 게임기를 더 신뢰할 것이다. 바로 그것이 당신이 실제 어떤 사람인지를 알려주는 진실이다. p137

아무리 의지가 강해도 실행을 위한 시스템이 없으면 실패하게 마련이다. 실행 시스템을 구축한다는 것은 실질적이고 긍정적인 변화가 일어날 때까지 새로운 태도와 행동을 매월, 매주, 매일의 일상적 루틴에 통합시킨다는 뜻이다. 루틴이란 의식적인 사고 과정 없이도 당신이 자동적으로 항상 어김없이 실천하는 것을 의미한다. 이러한 루틴은 우리의 행동을 자동적이고 효율적으로 만듦으로써 삶의 스트레스를 줄여 준다. 새로운 목표를 달성하고 새로운 습관을 정착시키려면 당신의 목적에 부합하는 새로운 루틴을 창조할 필요가 있다. p174

하루를 준비하는 모닝 루틴, 첫째, 내가 감사하게 생각하는 모든 것을 떠올린다. 내 마음을 조율하려는 목적이다. 이미 가진 것에 감사하는 마음으로 하루를 시작하면 세상이 당신을 대하는 관점, 방식, 반응이 크게 달라진다. p179

인생도 복리가 됩니다★★★(대런 하디, 유정식, 부키(주), 2020.12.15) Sep 12, 2021

Zack's Comment

Compound Effect!

It's about a good habit. We already know why we have to make good habit for our life. I fully agree that habit and behavior never lie. If it doesn't match between your word and behavior, it must be true to judge base on your behavior.

Routine! That's the point of entire life so that we have to create our routine based on what we want to be. And we should take charge of everything what we do, what we decide. It must be 100 percent responsibility for entire our life. Then we can be a mature adult finally.

Sunday, August 29, 2021

[Zack's BookCafe] 나는 주식 대신 달러를 산다

 

돈으로 돈을 사는 환전은 아무것도 사지 않은 것 같은 안전한 일이긴 해도 비싼 환전 수수료를 부담해야 한다면, 투자의 성공 확률도 그만큼 낮아질 수밖에 없다. 따라서 달라 투자에서 가장 중요한 시작은 이 환전 수수료를 가능한 한 낮추는 것이라고 할 수 있다. p30

달러라는 화폐 그 자체의 가치는 불안정할 수 있지만 적어도 원화와의 비교에서는 단연 우위에 있는 돈이 달러다. 우리나라에서만 제한적으로 사용할 수 있는 원화로 전 세계에서 사용할 수 있는 달러를 산다는 건 전혀 위험할 게 없는 행위다. p18

경기가 침체되면 환율이 오르고 환율이 오르면 수출 확대로 경기가 회복되는, 이 같은 패턴은 계절처럼 반복되고 있다. 이처럼 환율에 대한 이해는 달러 투자뿐 아니라, 주식 투자와 부동산 투자에 이르기까지 다양한 투자 영역에 큰 도움이 된다. 주가가 하락하면 환율이 하락하면 주가가 오르는 것 역시 이러한 현상의 테두리 안에 있다고 할 수 있다. p50

원/달러 환율이 하락한 상황에서 미국 달러 지수가 상승했음에도 불구하고 아직 원/달러 환율에 반영되지 않았다면, 이를 확실한 매수 기회로 볼 수 있다고 생각한다. 원화 가치의 상승 거품은 사라질 가능성이 크고, 향후 원/달러 환율이 다시 상승하게 될 가능성 역시 크기 때문이다. p58

원/달러 환율의 52주 평균값을 기준으로 투자한다면, 달러 지수 또한 52주 평균값을 투자의 지표로 참고할 수 있다. 또한 이 2가지 데이터를 통해 앞에서 설명한 달러 갭 비율의 평균값을 산출해 내는 것도 가능하다. p67


투자는 손익을 실현할 때, 즉 평가 손익을 확정 손익으로 바꿀 때 그 성패가 결정된다. 그리고 그 성패는 오롯이 투자자의 결정에 달려 있다. 우리의 전략은 비범한 결정을 내리기 위해 노력하기보다 실수를 줄이기 위해 노력하는 것이어야 한다. P171


<달러 투자의 7원칙>

1. 레버리지는 절대 사용하지 않는다.

2. 손절매 하지 않는다.

3. 최초 매수하는 달러의 가격은 달러 투자 데이터에 의한 '투자를 시작해도 좋은 상황에 따라 정한다.

4. 최소 매수하는 달러의 투자 규모는 총 투자 규모의 5%를 넘기지 않는다.

5. 추가 매수 시 투자 규모는 이전과 동일한 규모로 한다.

6. 추가 매수는 이전 매수한 원/달러 환율보다 3원 이상 하락하였을 때 한다.

7. 장기 투자용 달러는 달러 정기 예금에 넣어두거나 미국 월 배당 ETF 등에 투자한다. p205

나는 주식 대신 달러를 산다★★★(박성현, 2021.5.30) Aug 29, 2021

Zack's Comment

It's very impressive what is the different between gambling and investment! Investment is that we can make the decision the timing whether it can be benefit or loss so that all result depends on induvial investor. That's reason why we have to try to reduce mistake instead of amazing strategy for big decision.

While we pursue of Investment, something related to money, hope we don't lost the way that keep the balance of like that can be health, relationship and love people around us. Also don't forget to lose your money with excessive greed.

It's difficult to invest but It's easy to invest. It totally depends on my priority that I have to know. After that, I can invest what it's more important for the rest of my life. It's because life is very limited time so that I can spend more time according to the priority then keep it up!

Sunday, August 8, 2021

[Zack's BookCafe]워런 버핏의 주식투자 콘서트


나는 내가 이해할 수 있는 회사를 사려고 합니다. 내가 이해하지 못하는 회사가 천지에 널려 있고, 앞으로도 그런 회사는 사지 않을 거예요. "전 천재가 아니에요. 특정한 분야에서 총명함을 발휘하지만, 그 분야를 벗어나지 않죠." 진짜 능력은 자신이 아는 것과 모르는 것이 뭔지 아는 겁니다. 얼마나 많이 알고 있느냐가 중요한 게 아니라, 둘 사이를 구분하는 능력이 필요한 것입니다. 그래야 공을 칠 때와 아닐 때를 구분할 수 있거든요. p105

총알이 장전된 총을 갖고 유리한 위치에서 출발하는 것이 훨씬 낫죠. 그것이 적은 돈이라 할지라도 말이에요. 그때의 1만 달러는 지금의 10만(1억 2천만 원 정도)에 맞먹는 돈이지만, 별것 아닌 것처럼 느껴질 수도 있어요. 하지만 나에게는 이 돈이 약간의 우위를 점하는 데 도움이 됐어요. 그 돈이 없었다면 투자조합을 만들 수 없었을 테니까요. 번 것보다 적게 쓰는 것 말고 자본금을 모을 수 있는 뾰족한 방법은 없어요. 미혼이고 나이가 어릴수록 돈을 모으기가 더 쉽죠. p125

비즈니스와 투자에서 가장 중요한 것은 자신의 능력의 범위를 정확하게 설정하는 것입니다. 무조건 큰 능력을 갖고 있다고 해서 좋은 것은 아닙니다. 투자도 비즈니스와 마찬가지예요. 나는 항상 경영 대학원 학생들에게 졸업한 후 구멍을 20개만 뚫을 수 있는 펀치카드를 가지고 있으면 투자를 더 잘할 수 있을 거라는 말을 해줍니다. 확실하게 투자할 곳을 정할 때마다 구멍 하나를 뚫는 거예요. 평생 훌륭한 투자 아이디어가 20개나 떠오르기란 쉽지 않은 일입니다. 5개, 3개 아니면 아예 없을 수도 있습니다. 여러분은 그 숫자만큼 점점 부자가 될 거예요. 하지만 매일 하나씩 구멍을 뚫으면 부자가 될 수 없어요. p140

경제학자 존 메이너드 케인스는 "어려움은 새롭게 시작하는 데서 오는 것이 아니라 오래된 것에서 탈출하는 데 있다"라고 말했습니다. 새로운 아이디어를 생각해내는 문제가 아니라, 이제까지 믿어왔던 것에서 벗어나는 게 더 어렵다는 말이죠. p152

워런 버핏의 주식투자 콘서트★★★(워런 버핏, 부크온, 2018.08.30) Aug 8, 2021

Zack's Comment

Warren Buffett's Principles of Investing in Stocks

1.The only condition for our preferred business is whether we can understand it.

2.Really great companies try to buy at ridiculous prices.

3.Businesses invest more when the economy is pessimistic.

4.Stock investors should think and invest as if they were the owners of a company

Simple is beautiful but it's not easy to follow simple principle for investing in stocks. Only thing that we can keep the way not to lose our money must be understanding being human and ourselves.

Let's keep looking at our mind from time to time in order to avoid unexpected mistake like not to follow basic principle for investing in stocks.

Also, I'd like to share the following advice quoted from this book for both investing and life.

The real power is knowing what you know and what you don't know. It's not about how much you know, it's about the ability to distinguish between the two. That way you can tell when you hit the ball and when you don't.

There is no nifty way to raise capital other than to spend less than you earn.

The difficulty does not come from starting anew, but from escaping from the old. It's not about coming up with new ideas, it's that it's harder to break away from what you used to believe.