Inspirational Stories For Everyone

by Amy Twain

Inspirational stories have always been one way of spreading values around since it allows us to learn and be aware of various values while at the same time having fun and enjoying listening and reading. Stories had played a great part in our lives because we learn from them especially if they are inspirational stories.

For example, during our childhood years, we are told that witches are evil and thus we learned to keep away from them. These days, the witches symbolizes the strangers and so, allowing the parents to teach and remind their kids to turn down any gift from them so that they can protect their kids.

Then, as we moved forward the lane of life, we eventually create our own stories. They may be inspirational stories, sad, happy, depressing, uplifting, motivating, and many others. And it is from these stories that we obtain or acquire our varied experiences hence, growing and evolving into the individuals we are today or the person in the future.

But then again, we are seldom to relate our experiences to other people, in sharing our own tales to inspire other individuals. Are we simply too happy in keeping our success to ourselves or are we even too timid or reluctant in letting other persons know regarding our moments of depression? Yet as we grow older, we rarely read stories anymore and there are less and less persons telling us new and diverse ones.

And this may be due to the lack of time since most of us are working very hard to feed ourselves and our families. Whilst we are simply too busy pursuing our own respective careers, there are times when we may lose focus in fulfilling our own spiritual needs. Perhaps that is the reason why we felt something might be missing in our lives although we already have all the money we can possess.

Often, it may just slipped in our thoughts how much we can create an impact on the persons around us or the other way around. We might need to spare some time and try talking or conversing with other people or even read certain biographies. We never know that we may be inspired or motivated by others� life stories, experiences, struggles and triumphs.

Then perhaps we will be able to change or modify our approach to life or solve our problems. Because each and every one of us has their own different and unique experiences and this made us filled with our own tales and stories to tell and relate. There is a site (www.storys4u.com) jam-packed with several short pieces giving you a chance to take a break in your hectic and stressful schedules just to relax and find time to read.

The pieces written there are in the hope to motivate and inspire the readers, not to mention to bring back the values we learn in our life so that you may also be able to inspire other people. So go ahead and enjoy the tales and stories at that site.

About the Author The author of this article, Amy Twain, is a Self Improvement Coach who has been successfully coaching and guiding clients for many years. Amy recently published a new home study course on how to boost your Self Esteem. Click here to get more info about her Quick-Action Plan for A More Confident You

The Wealthy Barber

Everyone's Commonsense Guide to Becoming Financially Independent I found out about this book in the many forums I subscribe to. Everyone seems to have good reviews about this book. It's similar to The Richest Man in Babylon. Its financial planning book comes in a story form and also is not a get rich quick book.

The Wealthy Barber: The Common Sense Guide to Successful Financial Planning

Chapter 1. The Financial Illiterate The story starts with the writer telling about his life and wife who is five months pregnant. He and his wife are from the same town. They often go back there to visit their parents. This time he goes back to visit his father to ask how he can be financial literate. So the story begins on his journey to be financial free. Chapter 2. A Surprising Referral One Friday night the author and his father discuss on the topic of financial literates. As a family they have never discussed about money. As the author wanted to buy a house and a baby was on the way, he felt that it was about time to be financial free. His dad told him that he too didn't know about personal financing until six years ago. He then tells how he found an unlikely financial guru. The town's barber. After his father explains how his barber taught him about personal financing, the author tells his sister about it. Both of them agree to visit their dad's barber to learn how to be financial free. Chapter 3. The Wealthy Barber As with their usual routine, the author and his friend Tom visit Roy their barber for haircuts. But this time its different, other than a haircut, they also came for some financial advice. He brought along his sister Cathy. Roy the Wealthy Barber agreed to teach and said he will teach them in different parts. So in seven months onwards they can be financial free. He tells them that it is really easy to be financial free. Chapter 4. The Ten Percent Solution Despite the storm Dave, Tom and Cathy visits Roy the Barber for their first lesson. Roy starts by telling them how he seeks the advice of Old Man White, one of the town's wealthiest men on ways to build financial wealth. Mr. White advised him to save ten percent of his salary to invest later. Even Robert Kiyosaki said this technique is useful. So as you have savings t invests when an investment opportunity comes along. Later throughout the conversation Roy teaches what to invest in, how to choose and what to avoid. Chapter 5. Wills, Life Insurance and Responsibility This month Roy discusses a subject of what some people feels it's boring and thinks it's not important. Setting up a will and buying insurance, preparing your loved ones when you are not around. He starts by teaching his three protégé how to chose a lawyer to draw up a will, to map out what should go in the will and why is it important to have a will. The wealthy barber then goes on to teach them about insurance, how to choose one that suit them. Chapter 6. Planning for Retirement This month The Wealthy Barber teaches his three protégé how to plan for retirement. What plan that suits them. As for me after reading Rich Dad Poor Dad and Cashflow Quadrant and doing some research. I found that my contributions to the Malaysian version of the 401K is not sufficient when I reach retirement age. This is due to the ever increasing inflation. So now I am looking in other venues for my money like mutual funds. Chapter 7. Home, Sweet Home As Dave was planning to purchase a house for him and his family, Roy the Wealthy Barber changes the lesson plan to the topic of purchasing or renting a house. Roy says both is not wrong, you need to see your requirement. Everyone needs shelter same as they need food and drinks. But if it cheaper to rent than why burden yourself with buying. Roy then teaches his protégé how to evaluate whether they should buy or rent their shelter. He then teaches Dave some tips on buying a house. The tips are to buy a house that suits your needs and wants and should also fill the requirement of a good investment. Chapter 8. Saving Savvy This month Roy teaches them about savings. Not the monthly 10% but saving for things like a new hi fi, holidays. People nowadays enjoys those things by maxing out their credit card by buying the things. I am guilty of that. I have living for years without a credit card and managed to enjoy myself. Then a credit card came in the mail and I was tempted to go on holidays every three months. My reasoning was that I worked very hard and needed a break. Eventually I maxed my card. Now I am slowly clearing my debts, lock my cards in a safe box and forcedly save a portion each month for my holidays. I also look around for great deals or discounts. I am living below my means. Chapter 9. Insights into Investment and Income Tax In this chapter Roy starts by explaining that the rule of thumb to investing is to "Buy Low, Sell High". But many people fail at investing because they don't have the discipline and courage to follow this rule. He then teaches them how to identify what to invest in. Roy then advises his protégé that it's best they clear the high interest debts first. Then he goes onto talk about income tax. He teaches his protégé to take a deductible loan to pay off a non deductible loan. Therefore this loan will reduce the contribution to income tax. The wealthy barber also suggests to get professional help when doing income tax. Chapter 10. Graduation This last chapter is the end to The Wealthy Barber's lessons. This chapter he talks in detail about emergency funds, saving for a rainy day. Most financial gurus give a set amount to save but what Roy says is what's the use of having large amount of savings and a high interest consumer debt. He suggest to keep little money for a rainy day and use the rest to pay up the debts. He also suggest to look for the best Savings Bond to save for the children's education. This book is a little technical, so I would suggest to read Richest Man in Babylon first. But the points highlighted is relevant to people who wants to be financial free.

Short Inspirational Stories in Reader Digest

I have always like the short inspirational stories in the Readers Digest Magazine. Now the online one have some interesting stories. I still read their magazine when I can get my hand on one.

Below are some Inspirational Stories from their online version.

Reasons to Believe
Four inspiring true miracles to warm the holidays.

At Life's Crossroads

The path to my future seemed set - then 30 minutes changed everything

5 Winners Teach Us How to Learn From Failure

Knowing how to approach failure can be the first step to success.

Book Review- The Richest Man in Babylon

I came across this book after reading Robert Kiyosaki's "Rich Dad Poor Dad" books. Its one of his recommendations for a must read for people who want to be financial free. As with most books in Little Inspirational & Self Helf Books lense, this book is small, in story form and simple to understand. Below is a short review of this book.

The Man Who Desired Gold

The book starts with Bansir, the chariot builder of Babylon, who was thoroughly discouraged, sitting on the fence thinking. He was deep in thought, not caring about the hustle and bustle of the city around him. He was interrupted by the smiling face of his best friend—Kobbi, the musician. Then they discussed how their lives have evolved. How they took the trouble to learn their skills, hoping that if they increased their knowledge, their richest will increase too. But this is not always the case, their skills improve but their richest didn't increase in value. Then they remembered their friend Arkad who was wealthy. They planned to meet up with him and ask what his secret to building wealth is. I too had the same mindset like Bansir and Kobbi, thinking that if I improved my knowledge then my wealth will follow suit but now I have found that this is not the case.

The Richest Man in Babylon

In old Babylon there lived a certain very rich man named Arkad who was famed for his liberality, his generosity to charities and his family. And each year his wealth increased more rapidly than he could spend it. Because of this, his friends came to see him to learn how they can increase their wealth. Arked then told them a story on how he met Algamish, the money lender. Algamish taught him the first step to financial freedom. It is to pay oneself first. What this means is to save a tenth of your salary. I have found that if we set our mind to it we can live on 90% of our income. That's why most Personal Finance books, blogs or guru's say in order to build wealth; we need to have some sort of savings. Reason being when an opportunity comes, you have the resources to invest. This brings us to the next lesson by Algamish, which investing your savings. Algamish suggest that we invest with people who know how to invest. People who are successful in investing.

Seven Cures for a Lean Purse

After defeating the Elamites, King Sargon returned to Babylon to be confronted by another problem. The people of Babylon were no longer able to support themselves. His chancellor reported that the wealth of the people was accumulated by only a few men. This is due to their knowledge on the workings of wealth. The king asked the chancellor to search for such a person, so as he is able to teach the people. The chancellor then selected Arkad, who was then summoned to see the king. To which Arkad agreed to teach a few people so as they can teach others. He taught them the "Seven Cures for A Lean Purse"

THE FIRST CURE

Start thy purse to fattening.

What this means is that we need to save, a minimum of 10% of your income. This is so when the opportunity comes, you have the money to invest.

THE SECOND CURE

Control thy expenditures

The second cure is a continuation of the first. It is to budget yourself so as to spend within 90% of your income. You can save the other 10% as advised in the first cure. Now I am listing down my daily expenditure. I have found that there are expenditures that I really don’t need. As my company provides lunch what’s the use of having lunch outside. Take it from someone who is going to be financially free. List down daily what little things you spend and you will be surprised as where your money goes. I do it on my PDA but if you don’t have a PDA then do what one of Orpah`s guest suggested. Write on a piece of paper and put it in a box or basket. Later you can review what you spend either daily or weekly.

THE THIRD CURE

Make thy gold multiply

After saving your 10%, of your earnings and seeing it grow. But by just keeping savings in a safe place, your wealth will not increase. You need to invest to let it grow. What you should do is look for the right advisors as to what and where to invest.

THE FOURTH CURE

Guard thy treasures from loss

When your money increases, make sure you do investment that is safe. Investment that doesn't have any risk to your principal. Consult with wise men. Secure the advice of those experienced in the profitable handling of gold so as their wisdom can protect your savings from unsafe investment.

THE FIFTH CURE

Make of thy dwelling a profitable investment

To buy property or your own house. This I found to be true. When were growing up, we always stayed in a rented house which we had to shift once the owner needed the house or sold it. So for about three decades we were paying for a house that we didn’t own. So imagine that if we took a loan to purchase a house, after three decades the house would be ours. And after we pass on our children would have a place to stay. We only need to worry about paying property tax. And if we don’t want to stay there, we can rent it out. Let another person pay our loan for us, like what we did when we were young.

THE SIXTH CURE

Insure a future income

The sixth cure for a lean purse is to prepare for the day when we are not able to work. The day when we are old, sick and unable to work. In some countries they have saving program like the 401K and the Employee Providence Fund, that your employee and you contribute a percentage of your income monthly to a saving fund. You can take out your savings when you reach the retirement age. But as what Robert Kiyosaki said with the ever increase in inflation this call may not be enough. So we need to look at other avenues. We also need to plan for the day when leave this world, so as our loved ones are provided for.

THE SEVENTH CURE

Increase thy ability to earn

This is the same thing highlighted by Robert Kiyosaki in the Rich Dad Poor Dad Series. In order to be financial free, we need to have another source of income. What he suggested that works for him was real estate. There is alot of other avenues to make money, choose one that suits you. There is the Multi Level Marketing or what I am trying out now is Internet Marketing. Its hard work but people have succeeded in it, so I intend to be one of them.

Meet the Goddess of Good Luck

In old Babylon, there is an important building called Temple of Learning where people came to discuss on any matter no matter what levels they were. One such person who had his own special hall was Arkad. He came here frequently to discuss to ways to improve them. Tonight they were discussing on how they can attract good luck. What they have found out that betting on the gaming tables doesn't attract the Goddess of Fortune. They continued to discuss on missed opportunity. How opportunity comes in a few seconds only and how they were not grabbed fast enough. So what this means is good luck follows those who grabs opportunity fast.

The Five Laws of Gold

Around a campsite Kalabab tells his slaves the story of Arkad the richest man in Babylon as told him by Nomasir, Arkad's son. He tells the story of Arkad wanting his son to proof to him that he is capable of handling the estate that his father will leave him. How he send Nomasir out with a bag of gold and a clay tablet, asking him to return after 10 years. When Nomasir returns he gives an account of what he did. How he lost the bag of gold to a scam. He then tells the tale how he used what was written on it. On it was written the Five Laws of Gold.

The five laws of gold were

THE FIVE LAWS OF GOLD

1. Gold cometh gladly and in increasing quantity to any man who will put by not less than one - tenth or his earnings to create an estate for his future and that or his family.

2. Gold laboureth diligently and contentedly for the wise owner who finds for it profitable employment, multiplying even as the flocks of the field.

3. Gold clingeth to the protection of the cautious owner who invests it under the advice of men wise in its handling.

4. Gold slip peth away from the man who invests it in businesses or purposes with which he is not familiar or which are not approved by those skilled in its keep.

5. Gold flees the man who would force it to impossible earnings or who followeth the alluring advice of tricksters and schemers or who trusts it to his own inexperience and romantic desires in investment.

Then Nomasir goes on to tell how he used the wisdom of the Five Laws of Gold

The Gold Lender of Babylon

This chapter starts with Rodan, the spearmaker walking towards Mathon, the moneylender. He just had received a large sum of money for his work, now he asking Mathon should he lend to his sister's husband to invest and whether it’s a good idea. Then advises him, that he can lend the money if it doesn't burden him. Then Mathon goes on to show Rodan his token chest and explains the contents, so as Rodan understands the importance of lending money to a person who can pay back.

The Walls of Babylon

The story continues with Old Banzar, a grim warrior guarding the passageway leading to the top of the ancient walls of Babylon. The city is under attack but there are only few defenders. Banzar from his vantage point gets first hand news on the fight below. One by one the citizens come to him for reassurance that the wall will hold against the attack. He reassures them not to worry. The walls of Babylon again protected the citizens as the enemies retreated. The moral of this story in life we should also build some protection with insurance, savings to be used for a rainy day.

The Camel Trader of Babylon

Tarkad, the son of Azure was very hungry because he had only eaten only two figs in two days. He was looking for someone who could spare him some food. But he meets the person who he has been avoiding, Dabasir, the camel trader. Dabasir invites him to join him for dinner in a restaurant but only orders water for Tarkad. While he eats his meal in front of starving Tarkad, Dabasir tells of tale how he conquered his enemy- debts.

The Clay Tablets from Babylon 

The story starts Alfred H. Shrewsbury from the Department of Archaeology writing to Professor Franklin Caldwell. He says he has translated the five tablets the Professor sent to him. He says that he found it interesting; it’s about the story of how Dabasir clears his debts. Dabasir writes on the tablet how he lived on 70% of his earnings, saved 10% and he used the last 20% to clear off his debts. So the Professor tries it with his wife. By following the writings of Dabasir, he created a plan as to get out of debt. Which he did. And later the Professor wrote to Shrewsbury that's he is financial free by following Dabasir's plan.

The Luckiest Man in Babylon

In this chapter you will hear how Sharru Nada on a camel caravan journey tells of a tale how he came out of slavery. He was telling Hadan Gula, grandson of Arad Gula how his grandfather also got himself out of slavery. Hadan Gula didn't believe it at first. Then Sharru Nada continued his tale. Relating how Arad Gula brought helped him to get out slavery. He also related what happened to his friends that was sold wih him in the slave market and how he worked hard to save some money. Then only did Hadan Gula believe and promised to follow the success of his grandfather.

An Historical Sketch of Babylon

The last chapter is a historical account on the city of Babylon.

It is hard to believe that this book was first published way back in 1926. Reason being the ideas in this book can still be used in today's world. This is also a great book given as gift to young person.

For more Inspirational Book reviews, please go to my Little Inspirational & Self Helf Books lense

The Book that Inspired Me to be Financial Free

I have always loved reading. When I was young it was story books like the Famous Five, Three Investigators, Secret Seven and so on. Now my prfrence have changed. Now I look for books that inpire and motivate me. One such book is Rich Dad Poor Dad by Robert Kiyosaki. People have called the author a quack, saying that his rich dad don't exist. But who cares cause his message in his book is what I'm looking for.

Rich Dad Poor Dad
Well, I've just finished reading Rich Dad Poor Dad by Robert Kiyosaki for the 7th time (I like reading good books over again). This is a wonderful book that gives you simple insights on ways of handling your personal finances. It has helped me a lot. I'm not a millionaire yet but luckily someone gave me this book before the current economic downturn. I'm able to weather through.
The insight into the difference between your assets and liabilities is really good and simple to understand, which I found it to be true with purchase of gold jewelry (I have always thought that buying gold was a good investment as gold prices increase but found out otherwise).
It also got me thinking of the purchase of a house too.
You will also find out that specializing in your job is not as good you think, as it makes you more dependent on your job. This I have also found to be true with my job. I've always thought that by specializing in only things related to my work, will give me job security but as what Robert Kiyosaki states that it is not always the case. It's true, believe me.
Read the book and judge it for yourself. Just remember that this is not a GET RICH QUICK book but it gives you ideas that will open your mind to different ways of becoming financially successful. It might not make me a millionaire but I'm sure it will make me financially free and out of the rat race

Personal Financing Planning with Robert Kiyosaki

People That will Inspire You- Against all Odds

We all need heroes, someone to look up to. The people who you choose as heroes,mentors or idol(whatever you may call them) are a reflection of who you are or who you want to be. So choose people who add true value to your life. When I was young my heroes were the firemen, nowadays they are people who have succeeded inspite of difficulties. Someone who have become successful like Bill Gates, Walt Disney, Donald Trump and many more. I don`t admire movie stars, sports stars or celebrities. Reason being these people will normally disappoint or distress us when they fall from grace. People like Tyson, Tiger Woods and even Lohan are bad influence to youngsters today.
Even Robert Kiyosaki said in his Cashflow Quadrant book that you need heroes to succeed. Someone to look up to, to learn from. Apart from reading inspirational books, I also like to read about the lives of successful people. I like to read about how they succeeded through difficulties, their rags to richest stories and how they live. To my surprise most of them are very frugal. I like to catchup on the news of how they are doing now. Even closer to home, there are people who has succeded against all odds and they are my inspiration. To name a few there is Lim Goh Tong of Genting Highlands, Dr. Mahathir our former Prime Minister, Tony Fernandez of Air Asia and more.

Lim Goh Tong

Lim Goh Tong is the guy who took an unexplored hilltop to make it one of the famous holiday destination in Malaysia, the Genting Highlands. I came across his bio in the Genting Highlands website. He is a fine example of the results of what a `Can Do` and `Never Give Up` attitude can do. Lim Goh Tong was an immigrant from a little mountainous county in Fujian, China. He came to Malaysia to work as a carpenter and rised up to be a building sub-contractor. The idea for Genting Highlands came when he was having dinner in Cameron Highlands. He thought it would nice to have a cool place where people can escape from the heat in the lowlands. As Cameron Highlands was too far from Kuala Lumpur, he had to search for another location. He did some research and that's where he found an unexplored hilltop called Genting Highlands. He started building a casino up there. And he continued adding building after building until it is what it is now. As he was building at a new unexplored location, there were many difficulties he had to face. But all the difficulties didn`t stop him. You can click on the link below to read about him. He has since passed away in 2007, now the Genting Empire he created is being run by his son

Have Heroes that Inspire you

We all need heroes, someone to look up to. The  people who you choose as heroes,mentors or idol(whatever you may call them) are a reflection of who you are or who you want to be. So choose people who add true value to your life. When I was young my heroes were the firemen, nowadays they are people who have succeeded inspite of difficulties. Someone who have become successful like Bill Gates, Walt Disney, Donald Trump and many more. I don`t admire movie stars, sports stars or celebrities. Reason being these people will normally disappoint or distress us when they fall from grace. People like Tyson, Tiger Woods and even Lohan are bad influence to youngsters today.

Even Robert Kiyosaki said in his Cashflow Quadrant book that you need heroes to succeed. Someone to look up to, to learn from. Apart from reading inspirational books, I also like to read about the life of successful people. I like to read about how they succeeded through difficulties, their rags to richest stories and how they live. To my surprise most of them are very frugal. I like to catchup on the news of how they are doing now. Even closer to home, there are people who has succeded against all odds and they are my inspiration. To name a few there is Lim Goh Tong of Genting Highlands, Dr. Mahathir our former Prime Minister, Tony Fernandez of Air Asia and more.

Datuk Tony Fernandez

He is the guy who you normaly see in the media casually dressed and wearing his signature red Air Asia Cap. But he is the guy who had a dream, mortgage his home, bought an ailing airlines for RM1 which landed him with a RM40 million debt and finally turn the airlines company around to make it one of the best low cost airlines in the world. He started AirAsia after the September 11, when everyone was afraid to fly. And many airlines was going into the red. But Tony Fernandez said this timing was perfect. The leasing cost of planes were low and airlines lay-offs meant that that experience staff were readily available. He is a great example of turning lemons into lemonades. He is also a great example of Managing by Walking Around, people have seen him carrying luggage, checking in guest and so on. He believes that if you are closer to the ground you can hear more. On reading his bio I was surprised that he was from my hometown.

Little Inspirational & Self Help Books