The Importance of Money Wisdom

You are living in a world wanting wisdom. The majority of people experience the lack and not the abundance, while only a small number of people feel both the affluence and the wealth. Surviving and navigating in this world of money disparity require profound wisdom—the perspectives of human wisdom, Biblical wisdom, and the TAO wisdom from ancient China.

So, always ask yourself many questions regarding your money wisdom, given that money always plays a pivotal role in this world of both abundance and lack.

Charles Proteus Steinmetz, a German-born American mathematician and electrical engineer, once said: “There are no foolish questions and no one becomes a fool until he has stopped asking questions.”

So, continue your life journey asking yourself many self-intuitive questions with respect to your money wisdom. The spirit of wisdom demands you to ask as many questions as possible on how you view the world today based on your past and present life experiences. Your money wisdom is your individual need to think more about your money. Do not bury your head in the sand! Just be wise on all your money matters!

Asking-questions-and-seeking-answers may give you your money wisdom. Your own life experiences are often responsible for your judgmental attitudes, your bias prejudices, and your assumptive presumptions—they may prevent you from knowing your real self, as well as from separating the truths from the half-truths or the myths about your money wisdom.

The truth of the matter is that your money wisdom is all based on your own perceptions and interpretations of your life experiences. That is why your money wisdom is uniquely yours.

Your money journey in this world is forever filled with missteps and detours, irrespective of your abundance or lack. Even if it may seem to be a bed of roses to you because of your abundance, it is always filled with some thorns. So, you need your spiritual wisdom to give you hope and guidance on your money journey.

To attain that spiritual wisdom, you need your faith—which is your trust and obedience to your Creator. According to Saint Augustine, faith is to believe in what you do not see, and you will then see what you believe. So, if you believe in your money wisdom, you will then see your security in every aspect of your life, whether you have abundance or lack..

To apply your money wisdom in the material world you are living in, you need the wisdom of the TAO—which is the humility to detach yourself from all attachments that you think define who you are. With no ego, you may then become self-enlightened: perceiving the “nothingness” of all things, as well as self-intuiting your “connectedness” to anything and everyone in the world. So, you are in balance and harmony with anyone and everyone, and you are no longer at war within yourself with your fear of insecurity—that is ultimately your money wisdom.

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NORA WISE

Copyright © Nora Wise

How to Avoid Human Conflicts

Balance and Harmony

The Way Through Human Conflicts

Human conflicts are many. The Way is the only way to go through them, rather than avoiding them.

Balance and harmony

Always maintain your internal balance and harmony. Remember, the world around you is always a reflection of what is deep inside you.

“The Way is easy,

yet people prefer distracting detours.

Beware when things are out of balance.

Remain centered within the Creator.

Distractions are many,

in the form of riches and luxuries.

They allure us from the Way.

Accumulations are like extortions of the poor.

They bring only disaster and suffering.

Do not deviate from the Way.”

(Lao Tzu, Tao Te Ching, Chapter 53)

“When there is no desire to be someone that we are not,

separate from our true nature designed by the Creator,

all things are in perfect balance and harmony.” (Lao Tzu, Tao Te Ching, Chapter 37)

Five elements and natural cycle

The five elements of the ancient Chinese are: metal, wood, water, fire, and earth.

The five elements balance and complement one another to create both internal harmony and a natural cycle. To illustrate, water nourishes trees or wood; without wood, there will be no fire (which burns wood); without fire burning wood, there will be no earth (the ashes from the burnt wood); without earth, there will be no metal (from the earth itself); through condensation, fire heats metal to produce water; without metal, there will be no water; without water, there will be no tree or wood.

These five elements are interdependent on one another for their own existence in the form of a natural cycle. In many respects, human relationships and our dealings with one another attest to the cyclical nature of the world we are living in.

                                                      

TAO wisdom

Think about your own nature with reference to the five elements. Are you strong and independent like metal, bold and pioneering like wood, soft and flexible like water, fiery and passionate like fire, or nurturing and receptive like earth?

Also, think about the different natures of the people around you, or you have to deal with. Understanding their different natures may result in better and more harmonious relationships with them. Indeed, the five elements can give you profound wisdom and insight into many different life situations to help you avoid unnecessary everyday conflicts and disparities.

The bottom line: learn to live a life without any conflict and confrontation with others. To do just that, you need to know not only yourself but also others.

“Knowing others is intelligence.

Knowing ourselves is true wisdom.

Overcoming others is strength.

Overcoming ourselves is true power.”

(Lao Tzu, Tao Te Ching, Chapter 33)

Everything will be in its natural place because everything follows a natural cycle. So why do you strain, stress, and strut yourself?

“We stay in the very center of the Creator,

and refrain from controlling our destiny.

Everything will evolve and fall into its natural place,

according to the laws of the Creator.”

(Lao Tzu, Tao Te Ching, Chapter 37)

Soft and flexible

To help you overcome conflicts and resolve issues, you need the flexibility of TAO. Always be flexible, instead of being strong-willed and uncompromising.

“The Way is paradoxical.

Like water, soft and yielding,

yet it overcomes the hard and the rigid.

Stiffness and stubbornness cause much suffering.

We all intuitively know

that flexibility and tenderness

are the Way to go.

Yet our conditioned mind

tells us to go the other way.”

(Lao Tzu, Tao Te Ching, Chapter 78)

It does not mean that you let people walk all over you and do nothing. Just step back, giving yourself some open space to create a detached mindset. If you are combative and strike back with a personal attack, you are in fact driving a nail into wood with a hammer; when you pull out the nail, the puncture on the wood is still there. So do not do anything that you may regret for the rest of your life. Always defer your anger for later processing.

All in all

Having good human relationship with others may not only afford you joy and happiness, but also heal you mentally, physically, and spiritually through your own connections with others. On the other hand, having bad human relationships may make you feel sad, lonely, hopeless, and depressed.

“If we are in harmony with the Creator,

we are like newborn babies,

in natural harmony with all.

Our bones are soft, and our muscles are weak,

but our grip is strong and powerful.”

(Lao Tzu, Tao Te Ching, Chapter 55)

We are all living in a world of speed in which nothing seems to last too long, including human relationships. In contemporary living, there is too much focus on speed. Given that life is short, there is a great deal to be done and accomplished. As a result, you may feel the compression of time, and you may have developed a compulsive mind with a multi-tasking mindset, such as talking and texting on the phone while driving at the same time.

Remember, it is your compulsive mind that makes you feel distressed and unhappy. Ironically, it is because you know and believe that nothing lasts, that you want to do more, much more than necessary, hoping against hope that some of the things that you are doing may last a little longer. Because nothing lasts, so you begin to look for new ones to replace the ones that have expired. An example is a love relationship: if it does not turn out to be what you have expected, you just let it end itself, and then start looking for another one because it is your belief that nothing lasts.

According to TAO, truly nothing lasts, but that is the wrong way to look at the impermanence of things. The right way is to look at everything with non-attachment, which is letting go of whatever that happens in your life, be it joy or sorrow, success or failure, happiness or un-happiness. Letting go essentially means understanding that nothing lasts, and that what goes up must also come down, because everything in life follows a certain natural order—just like youth becoming old age, and life transforming into death. Understanding the impermanence of all things may change how you are going to live your life and interact with others. If nothing lasts, then let go of everything, and live your life to the fullest, which is in the present. The past was gone, so let it go; the future is yet to come, so let go of your expectations. Only the present is real, so live it to the fullest.

“Therefore, we focus on the present moment,

doing what needs to be done,

without straining and stressing.

To end our suffering,

we focus on the present moment,

instead of our expected result.

So, we follow the natural laws of things.”

(Lao Tzu, Tao Te Ching, Chapter 63)

 

Stephen Lau

Copyright© by Stephen Lau

You Just Don't Die!

“YOU JUST DON’T DIE!” 

This 154-page book is about how to live your life as if everything is a miracle if you just don’t die as you continue with you life journey with the many changes and challenges confronting you, including your loss of vision.

Human existence is meaningless without life purpose and human happiness. The pursuit of longevity has been going on since time immemorial. Consciousness holds the key to the success of this pursuit. Consciousness of living is wisdom of the mind to understand the self, others, as well as how and why certain things happen. Wisdom in living enables one to complete the rest of one's life journey and reaching the destination.

To live to 100 and beyond—if you just don’t die—you must ask questions about life; after all, living is about asking questions and seeking answers to the questions asked, and thereby instrumental in providing wisdom or a blueprint to continue the rest of your life journey.

The first question you should consciously ask yourself is: "How long do I wish to live?" Of course, that is only a hypothetical question because you really don’t have much of a choice—unless you would like to purposely end your life prematurely. Naturally, the answer to that question may also change over different phases in your life, depending on the quality of your life in that particular phase.

The second question you should consciously ask yourself is: "Why do I want to live long, or why not?" This question will be naturally followed by the third question: “How do I live long, or what can make me desire to live longer?”

The final question—if you just don’t die—is: "How should I live the rest of my life to overcome my daily problems and life challenges?"

The objective of this 154-page book is neither to convince you to crave longevity, nor to show you how to live to one hundred and beyond. It simply presents you with the consciousness of living the rest of your years—if you just don’t die!

Click here to get your digital copy.

Stephen Lau

Copyright © Stephen lau

Solving Money Problems

Solving Money Problems

Money plays a major role in life. You need money for almost everything in life. Given the importance of money, you need to know the basics of money—what money is all about.

In the past, people could enjoy the blessings of life without spending any real money. Nowadays, to many people, enjoyment of life requires money—and lots of it!

According to Buddha, craving or desire for material things is the source of all human miseries. Jesus also has this to say about money: “It is easier for a camel to pass through the eye of a needle than for a rich man to go to heaven.” (Luke 18:25)

So, what is the value of money? According to author Jonathan Swift, a wise man should have money in his head, but not in his heart. 

More importantly, what does money mean to you?

Your perceptions of the value of money determine two of the most important things in your life: how you are going to live your life; how you are going to spend your money.

The value of money is based on your core values in life. One of the core values in life is integrity. Life, at any phase, is all about living—it comes with some hard work and simple integrity. Integrity is an important personal value, which has little to do with money. Integrity is an important value that the Creator has bestowed on each and every one of us, and its availability is the choice of an individual. Essentially, integrity is the value of what life has to offer, not the value of things that can be purchased with money. Your core values affect your attitudes toward money, including your financial priorities, financial decisions, and money management. So, what is the value of money to you?

Once you know the real value of money to you, you will know what to do with your money, and you will find the money you need.

Spending money is also an extremely important issue in life: throughout history, countries have become bankrupt, empires have collapsed, and families have broken up because of spending much too much money. So, spending money can affect positively or negatively your life, and can be a major stress factor.

Spending money has little to do with whether you have or you do not have much money. Spending money has to do with your attitude toward money. It has everything to do with the practical as well as the spiritual aspects of money and finance.

The practical aspect of spending money is that it may lead to debt—which is the source of financial stress. 

Why do people go into debt?

People go into debt for various reasons: deficit spending,  a result of buying things they don’t need with the money they don’t have; unforeseeable circumstances, due to exorbitant medical bills or loss of employment; personal choice, a consequence of reckless spending or buying on credit, bad investments, wrong financial decisions; ignorance, such as not knowing the meaning of APR or the implications  of “minimum  payments”  on credit cards, lack of knowledge of finance and money management; greed, leading to taking financial risks, or trying to get something for nothing. The list could go and on.

Don’t ever fall into the trap of “buy-now-and-pay-later”! Don’t run up your credit card debt. Consumer debt is the No.1 financial stress factor in life. Don’t let debt devastate your life. Don’t use a credit card if you don’t have control over spending; instead, use a debit card or a pre-paid credit card for the convenience of not carrying cash. Be careful when you use credit-card counseling services to get you out of debt, especially those so-called “non-profit” organizations. Just beware!

The spiritual aspects of spending money include being grateful and generous, as well as being a good steward.

Be grateful. God may have given you much less than others—or so you think! Remember, everything is relative. Maybe less is more: God has given you less so that you will have the incentive to make more.

You may have worked hard, but with little to show for it.  “You plant much but harvest little. You have scarcely enough to eat or drink and not enough to keep you warm. Your income disappears, as though you were putting it into pockets filled with holes.” (Haggai 1:6) Be grateful, instead of whining and complaining; put your time and effort on making money to live a debt-free life. More importantly, be generous with your money.

According to the biblical principle of money, God owns it all! You are but a steward of God’s money. Responsibilities of good stewardship include diligence, productivity, good time management, and self-discipline in matters of money. The money is not yours anyway. That is why you cannot take it with you when you are gone for good.

Stephen Lnd au

Copyright© by Stephen Lau