Saturday, January 30, 2010

7 Tips to Avoid Debt

Getting into debt is easy enough. If you don’t avoid the following spending habits, sooner or later, you will be in debt beyond your control.

1. Spending more than your earnings: This is surely the quickest way to get into debt. Imagine you earn $5,000 and you spend $5500 in a month.

2. Keeping up with the Joneses: You always want to be at par or better than your neighbor. When your neighbor changes to a more expensive car you also want to do the same without thinking of your limited resources.

3. Materialistic: Get the latest mobile phone, change you living room settee set and replace your TV to a latest model. You do it by hire-purchase, but the total amount is more than your monthly budget.

4. Gambling: Nobody can be a winner in the long run. You are motivated by greed. This bad habit will drown you into a sea of debt by borrowing more and more money. You think you will make your money back in the next bet.

5. Get-rich-quick scheme: Do not be gullible enough to listen to quick and huge returns for an investment. It is always too good to be true. Don’t borrow from your friends and relatives to invest and think that you are guaranteed to receive your investment and profit in return quickly.

6. Wrong use of credit cards: Pay your credit bills fully and promptly. Don’t pay the minimum amount or sign up for a zero interest installment plan to make purchases of big-ticket items. You will snowball your debt way beyond your means to settle and you end up as a bankrupt.

7. As a guarantor: You can’t be kind in this way. You will regret it when your good friend defaults the loan and you have to inherit the debt because you can’t even locate him. He has disappeared into thin air.

Be happy to enjoy with what your have. A debt free life is a carefree life.

Friday, January 29, 2010

7 Negative Things to Avoid at Work

 7 Negative Things to Avoid at Work

Are you suffering from the following negative thoughts and weaknesses?

1. Negative self-image: Do you always think others are talking critically about you behind your back? Erase these self-destructive thoughts from your mind and replace it with good feelings about yourself. It is all in your mind and you decide how you feel about yourself – good or bad, happy or miserable.

2. Unable to control your emotions: Do not allow negative emotions like anger, resentment and hatred to control you. You will utter the wrong words that you regret later. Manage your emotions to promote healthy relationships with others in the office. Be cheerful and happy at work.

3. Ebb in productivity: Bogged down with too much work in the office? Always prepare a to-do list the night before and prioritize your work by concentrating on the few important tasks of the day. Don’t work non-stop. Do take frequent breaks to clear the clutter in your mind.

4. Lack of confidence: You do not think that you can do the job especially when you get a promotion or given more important assignments. Have trust in yourself because your boss believes that you are suitable for the job and you can get things done.

5. Complaining about your work: Instead of getting angry about the problems encountered daily, look at the problems from a different perspective. Look at them as challenges and see how you can think creatively to solve all of them. In the end you are a problem solver and you build up your self-confidence.

6. Workaholic: Feeling uneasy when you stop working? Just remember that your “in” box will never be emptied even when you are no longer working there. Life is not just about your job. It is also about looking after your health and family and taking time off to relax and unwind.

7. Low profile: Do not think that you are safe by hiding and burying yourself in your work. It does not work this way. Put your best foot forward and show the boss what you can do for the company. Getting noticed is the only way to promote yourself and keep your job in a company.

Change your thoughts and harness the positive power within you to work happily and successfully.

Thursday, January 28, 2010

Healthy Bones and Joints

 Healthy Bones and Joints

As a person grows older, it is necessary to pay particular attention to the bones and joints.

To maintain healthy bones and joints especially cartilage, I consume a capsule containing crystalline glucosamine sulphate and chondroitin sulpahte. I also take a tablet every day consisting of calcium carbonate and vitamin D to maintain strong bones

Crystalline glucosamine sulphate

Glucosamine is found naturally in the body and can be obtained from natural sources such as crab shells, lobsters and other shell fish. Study on humans with glucosamine has been going on for over forty years. It is now a fast growing favorite supplement. Glucosamien is best known for its healing properties for osteoarthritis.

It protects and promotes healthy cartilage, lubricates joints and supports joint mobility and flexibility

Chondroitin sulphate:

It is a major component of healthy cartilage. It is also found naturally in the body. It decreases as a person gets older or when people suffer from arthritis and osteoarthritis.

It is known to create more elasticity in the cartilage providing better movement for the joints. As a supplement chondroitin is extracted from animal or shark cartilage. It is helpful in such conditions like osteoarthritis, arthritis, inflammation, sports injuries and tendon and ligament damage

Calcium carbonate

Prolonged, inadequate intake of calcium causes weak bones (osteoporosis) The National Institutes of Health recommend 1000 to 1500 mg of calcium per day as part of a regimen to prevent the loss of bone that is associated with aging

Vitamin D

Vitamin D controls calcium absorption to help the body build strong bones and teeth and maintain muscle strength. Vitamin D can be made by direct exposure to sunlight.

Do you find pain, stiffness, swelling or limited movement of your joints? Consult your doctor to find out the needs to take the above supplements

Wednesday, January 27, 2010

How to be a Super Daddy

When you ask this question you will get many answers, but it all boils down to LOVE.
Here is my list of a super dad and you are welcome to add more to the list:

• He does not bring work back but come home just to look after the children.
• He talks to the children and finds out things that have happened at school.
• He eats dinner with the children and chats with them.
• He exercises with the children outdoor to promote health and fitness,
• He encourages the children to do their best at school but does not ask them to compete with others.
• He acts as a tutor to help them out in their homework and teach them more about lessons in life.
• He is fair to all his children.
• He takes them to the mall even just for window shopping to enjoy an evening together.
• He sets good examples like not smoking instead of preaching.
• He may be a daddy but he is friendly and approachable.
• He is the driver to the children.
• He is the walking dictionary to the children.
• The children relate to their father what they have learnt in class.
• He is the logistical planner on a busy Sunday when the children are engaged in various activities.
• He prepares a simple but nutritious breakfast such as perfect half-boiled eggs for the children before they go to school.
• He monitors the posting of children on their blogs to make sure that personal information is not disclosed.
• He does reading at home instead of watching TV so that the children are influenced by his habit to cultivate a love for books.
• He gives out pocket money at the beginning of every month to encourage financial planning. They have to budget their spending to last until the end of a month. They have to set aside and accumulate an amount monthly if they wish to purchase a big ticket item for themselves.
• He takes proactive step to provide safety guidelines online and offline for the children

Tuesday, January 26, 2010

7 Delightful Tips to Keep You Motivated

The saddest thing in life is without knowing where one wants to go, what to look for in life and no idea of what to do to get what you want in life. Accordingly when you know what you are looking for in life and you are working on it, life is meaningful and full of hope and expectations. Here are the top tips to keep you motivated in life:

1. Meaningful goals: Be certain to have goals that you are interested and you are able to do well. Something that you are passionate about that you want so much out of it.

2. A workable plan: You achieve your goals by working on your daily goals and in turn your weekly, monthly and yearly goals. Long term objectives can only be achieved by bite- sized tasks. Plan your work and work your plan to ensure successful execution.

3. Self-confidence to achieve aims: Are you confident of yourself to get what you want out of life? A positive mental mindset is essential to keep you motivated in the long run.

4. Associate with highly motivated people: Get the support of positive people to stimulate your motivation. These people are highly charged and they inspire you to go the extra mile.

5. Put your goals in writing and be visible: Written goals are positive sign that you want something strongly. You look at it every day so that you stay on course. Written goals are also a source of inspiration and creativity.

6. Monitor and celebrate each stage of your success: I am sure that you will check your progress at regular intervals. You are also motivated by what you have done and achieved. Take a break to celebrate your success.

7. A balanced life: Do not overload yourself with just work. There are other equally important things in life such as your family and your health. You need to take time off to relax and have some fun. A break will allow you to carry on the journey of life highly charged and full of energy.

A happy person is someone who wakes up in the morning eager to welcome a new day. The person is motivated because he knows what he is looking for in life and every day he works mindfully to realize his goals. He is very sure of himself that he will get what he wants out of life.

Monday, January 25, 2010

Be Prepared for Your first Job

Congratulations! You have just graduated. You are ready to take on the world and get your first job. You may be in a lucky position that you are already hired. Here are some vital tips to get your first posting or embark on your working career.

Technical skills

You have already acquired the necessary technical or academic knowledge and occupational skills relating to your degree. Perhaps you have gained working experience in your field of study by industrial attachments and temporary jobs. It is well and good but there are other equally important skills you must possess to give you an edge over other candidates and one of them is people skills.

People skills

Employers are interested to find out whether you have participated in voluntary work, community projects or other front-line work. It is because you are likely to develop people skills. These activities help you to develop interpersonal skills, effective communication capabilities and leadership abilities. On the other hand you need to be reliable, responsive, develop trust and likeability. You watch out for your personal grooming and be empathetic. Here are the 10 Psychological Secrets about Human Relationships and the 18 Secrets to Acquire Instant and Effortless People Skills

Decision-making skills

Employers also want to find out whether you have the ability to define problems and to select the best course of action. Are you resourceful and self-reliance or a proactive person?Here is The Five C's of Decision Making

Time-management skills

You need to prioritize your work so that you are able to use the limited time productively. Know how to manage areas where time can be wasted. Such things like paperwork, telephone calls and meetings. Here are the 10 Tips to Manage Your Time at Work

High EQ

One important area that makes you stand out among the crowd is your emotional intelligence. Are you able to appeal to emotions to convince someone rather than using facts alone? Do you possess the ability to motivate separate individuals as opposed to treating every one the same way? Be able to understand your emotions and control them. Dr. Daniel Goleman, the author of Working with Emotional Intelligence, defines EQ as “the capacity for recognizing our own feelings and those of others, for motivating ourselves, and for managing emotions well in ourselves and in our relationships.” According to Dr. Steven Tobias (2008) “success is…20% I.Q. and 80% E.Q.”

Be aware and develop all these skills and as you move up the corporate ladder you need conceptual skills. It is the ability to think in the abstract, to diagnose and analyze different situations and to see beyond the present situation.

Wish you a successful career.

Saturday, January 23, 2010

5 Benefits of Savings

Cultivating a habit to save from young is a virtue. The benefits derive from this wealth-building habit last a life time. The first rule is to pay yourself first. Put aside an amount and deposit into your savings account when you receive your pay cheque. If you spend first and save what is left, most probably there will be nothing left to save. Here are the benefits when you save regularly:

1. The wonder of compound interest: Your initial deposit will attract interest. However, even without further deposit your original deposit plus the interest you have earned will attract even more interest. And it goes on. Imagine how much more interest you can earn when you save on a regular basis

2. Save to buy what you want: Instead of charging it to your credit card to buy what you want. You can hold on to it by saving up an amount to pay in cash and save on interest.

3. Save and invest: At first you save and when you have saved enough you invest to increase your wealth.

4. An emergency fund: Save an amount to cover three to six months’ expenses and when you are unfortunate to lose you job you still can carry on your lifestyle until you get a new job.

5. Financial freedom and peace of mind: Life is less stressful when you know you have saved enough to meet unexpected events in life such as illnesses and accidents.

Let us reverse our way of spending money. Save and spend and not spend and pay even more later.

Friday, January 22, 2010

Ginkgo, Pad, Tinnitus and Dementia


According to a current study, researchers randomly assigned more than 3,000 adults aged over 75 years, to take either 120mg of ginkgo or inactive placebo pills twice a day. They found that over the next six years, ginkgo users have a lower risk of developing peripheral artery disease (Pad) – a buildup of artery-clogging plaques in the legs that reduces blood flow and lead to pain and cramps when a person walks. It confirms with previous research that ginkgo supplements help people with Pad walk farther without pain.


Tinnitus has been referred to as ringing in the ear. Studies showed that 120mg to 240 mg twice per day of ginkgo biloba can help ease up tinnitus. It is effective because gingko contain two potent chemicals substance: flavonoid glycosides and terpenoids.


The Daily Telegraph and other news sources report that a study has found that ginkgo biloba does not improve mental function or quality of life in people with dementia. The study included 176 people with mild-to-moderate dementia who received daily doses of either ginkgo or an inactive placebo for six months. Using a standard test of mental function, the study found no difference between the groups. The Telegraph described the Alzheimer’s Society-funded study as “one of the longest and most rigorous ever conducted on ginkgo biloba”.

Out of the many conflicting research reports, ginkgo extract may have three positive effects on the human body:

• Improvement in blood flow
• Protection against oxidative cell damage from free radicals
• Blockage of many of the effects of platelet-activating factor

Thursday, January 21, 2010

How to Project a Positive Self-Image at Work

How to Project a Positive Self-Image at Work

In order to succeed in the business world you need to let others see you in a positive light. Here are some of the ways to create a positive image of yourself in the eyes of your co-workers:

1. Believe in yourself: Be able to identify your talents and abilities. Take stock of your achievements. This is to reinforce and to convince yourself that you are capable of doing things and you have got a lot to offer others.

2. Dress smartly: Appropriately and smartly dressed not only create a positive image but also boost your confidence and happiness. Comb your hair in place, trim your finger nails, be clean-shaven and show a neat appearance. You will give others an impression that you are a meticulous person.

3. Smile and the world smiles with you: Leave your problems at home. At work wear a smiling face to signal to others that you are OK. A pleasant personality makes you likable and allows others to approach you easily.

4. Show energy: Talk in a strong voice over the phone to convince the other person on the line that you are energetic. Be upbeat in your approach; give a firm handshake when you meet people. Display a body language that you care and you are listening. Make eye contact with the other person.

5. Associate with positive people and learn from them: When you are in the company of positive people, your positive outlook in life is reconfirmed because positive thinking is contagious. Be inspired by their positive thoughts and take advantage of their ideas to propel you to greater height.

6. Welcome challenges: In the face of difficulties, tell yourself that there will be answers to the problems. Face challenges squarely to inspire others that you are a capable and confident person.

7. People skills: The way you deal with people will determine how positive you are. Be humble, friendly, sincere, generous and considerate. Give service and keep your promise.

A positive self-image will vibrate into higher energy and success in your working life.

Wednesday, January 20, 2010

7 Tips to Keep Your Brain Young

Contrary to popular belief, brain power does not diminish as you grow older. In fact you can be mentally alert by using your brain more often and creatively. Here are some of the ways to maintain your mental faculty:

1. Use your brain: Use it or lose it. The more you use it the better it is. Participate in intellectual activities such as learning new words, playing challenging games (Scrabble, bridge, chess, crossword puzzles and jigsaw puzzles), reading, taking up a musical instrument. repairing something and solving complex problems. According to scientists from UCLA’s Brain Research Institute anything that is intellectually challenging can serve as a kind of stimulus to growing dendrites and making connections.

2. Chewing gum: When you are chewing you increase the blood flow to your brain. According to research the blood flow to the brain between senior citizens with full set of teeth and toothless is 30%

3. Things to avoid: To protect your brain power do not cut short on your sleep. Avoid polluted environment, stress, sedentary lifestyle, too much alcohol and tobacco, social isolation and watching too much TV.

4. Exercise: Physical exercise or just waking for half an hour three times a week can improve your concentration, learning abilities and abstract reasoning by 15 %. Aerobic exercise forces extra oxygen into the brain which boosts mental powers and promotes the growth of new brain cells

5. Smart ways to use your brain: Actively engaging your brain. Better memory can be achieved when you pay attention and making an effort to remember something especially things that you are interested. As an example, reading and listening are passive in nature; we have to take notes, write brief summaries, and organize key ideas in order to remember.

6. Use your hands: According to research when you are active manually, it stimulates blood flow to your brain. It is beneficial to comprehension, memory and thinking process. One such activity is to close your eyes and manipulate some control buttons.

7. Food to boost your brain power: Eat a high carbohydrate breakfast to supply energy to your brain. Include fish in your diet. Eat plenty of fruit and vegetables. Antioxidants found in fruits and vegetables help neutralize free radicals, molecules that can damage brain cells. Consume food rich in iron such as lean meats and beans. Iron helps transport oxygen to brain cells.

Do the right things to stimulate your brain for optimal mental performance.

Tuesday, January 19, 2010

10 Tips to Manage Your Time at Work

The goal of working smart is to complete each day’s work smoothly and completely. There is no rushing about and there is no emergency. Proper planning and effective time management will make each day at work a success.

1. Do a job once and for all: Do it right the first time. Make sure of what is expected and complete the job fully and without errors. Valuable time is wasted if you have to revise and redo something.

2. Priority your work: Do the most important and urgent tasks first. It is then followed by important tasks but not urgent. Only when you have the time you can proceed to urgent but not important tasks. The last thing is to tackle those which are not important and not urgent.

3. Ahead of time: When a job is to be completed in a day, make it a point to complete most of it by noon. In a way you are relief that the job is almost done. The other advantage is that when it is necessary to do amendment or adjustment you still have plenty of time. You are also appreciated by your boss for completing an assignment in advance.

4. To-do list: It is necessary to keep repeating that a to-do list is essential to manage your precious time and to follow the list and execute accordingly. Do not rely on your memory.

5. Start the day early: Get to the office earlier. You are not only avoiding the morning rush hour and you can start work right away without being disturbed by others.

6. Be mindful at work: When you have organized you day well you can concentrate fully on the task at hand. The do-do list plays such a vital role here. When your mind is not distracted you work efficiently and effectively.

7. Alternate your work: You may glue to your PC in the morning and then you switch to doing paper work. In the afternoon you may meet your staff or clients and then go around walking about.

8. Be prepared: Examples like rehearsing before you do a presentation and discussing with other departmental beads before a meeting are such crucial steps to allow things to carry out smoothly.

9. Schedule: When an assignment is given verbally by your boss, write down the details and get your boss’s confirmation and approval. The next thing is to break down the assignment into bit size and allocate a time frame for each task. Check the progress against deadline and make allowance whenever necessary.

10. Avoid clutter: Do not let your mind be disturbed by piles of paper on your desk. Keep you workstation clean and tidy. Only items relating to your task at hand should be on your desk. On the other hand, proper filing allows retrieving of documents easily and quickly.

A day’s job done well will leave you with a light heart and a happy note. You look forward to each new day with self-confidence. You are sure that it is going to be another great day at work.

Monday, January 18, 2010

7 Tips to Keep New Year’s Resolutions

According to the Oxford Advanced Learner’s Dictionary, one of the definitions of resolution is a firm decision to do or not to do something. You may have decided to, say, give up smoking or exercise every day but how do you maintain your enthusiasm throughout the year? Here are some of the factors to keep your resolutions:

1.      Just a few commitments: Starting a resolution means forming a new habit. Committing to too many things will be overwhelming for you. The answer is doing less and achieving more.

2.      Maintain a schedule: To make your resolutions stick, replace a non-productive time like watching TV with a new habit like jogging. Identify a time slot that is convenient to you. 

3.      Keep the benefits in mind: To keep you motivated, think of all the benefits of a new habit like jogging. You utilize the time wisely to keep fit and healthy. Moreover exercise in itself will boost your self-image and self-confidence.

4.      Meaningful to you: Another plus factor is that your resolutions should mean a lot to you. As an example you embank on a course of evening study relating to your job. It means you will be more competent at work and you are helping yourself to gain a promotion eventually.

5.      Start a new habit and keep doing it daily: Forming a new habit takes time. In order to establish a new habit do it every day. Remember to take one small step at a time. You will slowly but surely get to where you want to be.

6.      Put them in writing and always be visible: Be reminded constantly about your resolutions Allow yourself to see them in a conspicuous place so that you are always aware and upbeat about it.

7.      Check your progress: Congratulate yourself when you are able to maintain your new habit for 21 days, a minimum time to allow a new habit to be firmly established. By then the benefits derives from the new habit will spur your effort further.

According to G.K. Chesterton,”The object of a New Year is not that we should have a new year. It is that we should have a new soul and a new nose; new feet, a new backbone, new ears, and new eyes. Unless a particular man made New Year resolutions, he would make no resolutions. Unless a man starts afresh about things, he will certainly do nothing effective.

Start the New Year with a new you by keeping your New Year’s resolutions 

Saturday, January 16, 2010

Simplify Your Life with Credit Cards - 5 Delightful Tips

There are too many things to do every day. More than one third of your time is tied up in the office. There is not much time left to attend to your personal things. However, you can simplify your life by taking advantage of your credit cards. Here are the top tips:

1. Carry no more than two credit cards: When one card cannot be accepted you still have another one on standby. However, too many cards mean checking too many statements and issuing too many cheques and too much monitoring to do. There is also a temptation to overspend .In a worst scenario, when you purse is missing you will have too many reports to make for your lost cards.

2. Use one card for your recurring payments: Arrange with your card issuer to pay for all your utility bills and insurance premiums and zero interest installment payments in one card. When you automate your payments you don’t have to issue so many cheques and go to so many places to make payments. You issue just one cheque to meet all your monthly commitments. You save valuable time

3. Use the other card for other expenses: Use another card to pump petrol, shop for grocery, purchase books and stationery and charge for other expenses

4. Personal money management: From the two statements of the two cards you will get to know your monthly expenses. The records help you to manage and budget your earnings and expenditures. To settle all your expenses and commitments, you issue only two cheques from a current account (life is easier with only one account to keep track) with the allocated fund to meet charges for the two cards.

5. Filing: Keep a file or a folder to hold all your charge slips, electricity and telephone bills and the monthly credit card statements together with your bank statements. Keeping all the documents in one place will be easier for you to check and verify all you charges and balance your bank account.

Besides simplifying your life, each time you charge your card, you either pay less( cash back card) or you accumulate points to redeem for valuable items (rewards card).

Spending less time but managing your finance more efficiently and effectively means more quality time to spend with your children and more time to pursue your personal interests.

Have a simple and happy life!

Friday, January 15, 2010

Happiness at the workplace - Positive Working Attitude

Adopting the correct working attitude at the workplace is the right way to climb the ladder of success and to enjoy lasting happiness. Here are the reasons why a positive working attitude is the way at work:

Take responsibility: When something is not working out right, you will not point finger or blame others, but critically do an examination to find out the real reasons of the problem. Attack the problem not the person.

End each task with a happy note: The right way to do a job is to do it fully and completely making sure that there is no loose end to take care. You will be happy to know that it is executed accordingly and there is nothing to worry about. You are judged by the output of your work. Be happy to know that your boss is very pleased with it

Be proud of your job: Think about the job that you are holding now and think about the number of jobless people around you. Does it make you proud of yourself and happy about keeping a job? Be alert and work wholeheartedly.

Establish a trusted brand: How do you feel when you know you are trusted by your boss? You are naturally happy and excited about it because you always deliver as promised and also truthful and loyal to the establishment.

A cheerful disposition: When you are happy at work you are also generate happiness among the staff. Your boss is also happy to see a cheerful face instead of looking at someone who is listless and gloomy.

Concern about others: Happiness at work means happily working with others and treating every one else like what you want to be treated, and in return they are happy to work with you.

Seek improvement: You don’t take the current methods as the best way to get things done. You are opened to new ideas and creative to come up with better ways in doing your job. Happiness is getting things done more efficiently.

A good working attitude will ensure success and happiness at the workplace

Thursday, January 14, 2010

Power of Daily Goals

Do you have daily goals? Do you always keep them in sight and work on them?

Every evening I prepare a to-do list. Some of the tasks are one-off in nature and some are relating to long ranch goals and are recurring. I write them down in a piece of paper. In the following day I keep it in my shirt pocket. I look at it every now and then to cross out tasks that I have done and remind myself to complete those outstanding ones of the day. I give priority to those that are important. For me, one of the most important jobs on a daily basis is to write an article .When I am able to write an article a day it means I can then post an article a day. This is my daily commitment. However, it is a challenge to write for the readers and to keep writing every day.

What are the benefits of achieving daily goals? Here are some of them:

1. Daily goals achieved over time will lead to success in long-term goals: Your lifelong goals are done on a daily basis and accumulated over a long period of time. If you don’t take care of the daily tasks, you will not be able to achieve the ultimate goals.

2. Just do one or two important tasks to get optimum results: The rule of 80:20 applies. Do a few of the major tasks relating to your major goals in life will allow you to achieve more in a day.

3. A winning habit: It is the habit of successful people. Keep in view of your future vision and working diligently on the tasks at hand will ensure attainment of your objectives.

4. Build self-confidence: The daily achievements will promote self-confidence in the long run as it builds into you a feeling of fulfillment and containment.

5. Focus: The daily tasks will take into account the shortfall of previous day and it allows you to adjust accordingly to meet daily goals. It is easier to cover unmet goals for a single day rather than a longer period.

Rome wasn't built in a day, it is the day-to-day effort exerted over a long period of time. When you achieve your daily goals consistently and constantly, you will realize your dreams.

Wednesday, January 13, 2010

10 Tips to Promote Psychological Health

Your mental well-being is just as important as your physical health. Here are some of the things that you can do to boost your psychological health:

1. Be happy: Happiness is what we always look for in life. When you are happy you get more than what you bargain for. You are cheerful, you look at things on the bright side and you smile at people you meet and they smile back at you. There is a wonderful feeling inside you.

2. Be calm and peaceful: Take up yoga or Tai Chi. This is meditation in motion to get into a state of calmness and serenity. A clutter-free mind allows you to work efficiently and smoothly.

3. Exercise: According to an article by Len Kravitz, Ph.D., Exercise and Psychological Health, physical activities help to manage depression, anxiety and stress. Exercise also improves your self esteem and positively affects mood states such as tension, fatigue, anger and vigor.

4. Love: In another article by Bob Trowbridge, The Effects of Love on Psychological Health,it is mentioned that unconditional love and acceptance exhibited by many animals have a soothing and healing impact on children and adults. Many individuals who are mentally ill or just emotionally distraught, have found a kind of peace and solace in the attentions of an animal. The most important thing is to love ourselves. Pay attention to and acknowledge those individuals in our lives who care about us and spend time with them in a loving exchange of time and energy. He suggests that you touch someone you love. Hug someone you love. Allow yourself to be touched and hugged. It could save your life and your sanity as well.

5. Positive outlook: When you look into the future, what do you see? Do you have high hope and great expectations? Do you welcome each new day eagerly? When you think life is full of opportunities and possibilities you feel good about yourself.

6. Find meaning in life: What is your true calling in life? Do you find what you do everyday meaningful? If you do, it means life is fulfilling and it gives you a lot of satisfaction.

7. Gratitude: An attitude of thankfulness and appreciation reflects in you a life that is blissful and naturally you feel you are supported and cared for.

8. Kindness: Kindness is an expression of giving. You know what you do brings cheers to others and you know you are being appreciated for your kind deed. Does it make you feel good about yourself?

9. Curiosity and the urge to learn: You stimulate your mental alertness when you continue to learn; get to know more and always curious about things. Your mind is working all the time and it sharpens your mental faculty.

10. Relationships: According to research married people tend to live longer and better than those who live in isolation. Someone to talk to and someone to share your sorrow and happiness are such wonderful things in life. A feeling of connectedness and belonging make life worth living

Mental health and physical health is a perfect blend of total well-being. Go for it!

Tuesday, January 12, 2010

Effective Ways to Promote a Healthy Growth of Your Child

To promote a healthy growth of your child means to provide psychological and physical stimulants

Here are the ways to do it:


Love: Your unconditional love to your child will assure him that he is accepted and cared for. He feels safe and assured when his parents pay attention to him.

Motivation: Your child needs your kind and caring words. Before an examination you can encourage him just by telling him to do his best. When he does well, praise him for his effort in getting good results. Motivation is the best way to boost his self-confidence

Family environment: Peace and quiet at home are conducive for the positive development of your child. It is especially so when the tie between husband and wife is strong. Spend quality time with your child. When you are close to him he will not hesitate to talk to you whenever he has a problem

A sense of achievement: Achievements provide positive reinforcement of your child’s self-esteem and self-confidence. Identify and highlight to him whenever he has accomplished something. Encourage him to perform better but not to compete with others. This is to avoid applying pressure on your child

Be connected: Encourage him to socialize in order for him to learn about relationships He will have a sense of belonging when he is been accepted as one in the group.


Physical development: A balanced development in your child means agility and flexibility in body movement. Encourage him to take part in physical activities to develop his bodily capabilities.

Habit of regular exercise: The best way to do it is to do it together. Get your child to join you when you go for jogging or other forms of exercise. It is a good habit to build up his fitness in the long run.

Spend outdoor often: Instead of surfing the net or networking at social networking sites try to spend time outdoor more often. Fresh air and sunshine will build him up physically.

Well-nourished: Making sure that your child does not skip breakfast, the most important meal in a day. Always have a fixed time for each meal. Promote eating more fruits and vegetables. Explain to your child that fast food is bad for health and discourage the consumption of food and drink with high sugar contain.

A total and healthy growth of your child consists of psychological and physical development. A healthy growth means a solid foundation for him to excel academically.

Monday, January 11, 2010

10 Worries of Parents

As parents, you have endless worries about your children. Here are the top 10 concerns and suggested remedies:

  1. Healthy children: Children are easily succumbed to various common illnesses such as colds and flu, fevers, cough, diarrhea, and vomiting. Serious problems can develop if they are not properly taken care of.

To encourage a healthy growth of your children, provide their psychological and physical needs.

  1. Do well in school: When your children are in school you are worried that they may not be able to cope with their study. They may end up in one of those worst classes at school.

One of the ways to get a head start in school is to cultivate a love of books at home when they are young. When they are interested in books you can be sure that they will have a good start in school

  1. Mix with wrong kind of friends: When the children are big enough to socialize you are worried that they may pick up bad habits from among their friends. Such bad habits are smoking, gambling and loitering at the mall.

An effective way to deal with the problems is get to know the friends of your children. Monitor and limit the time to spend with friends.

  1. PC and online: Another big worry is that your children may spend time excessively playing computer games at the expense of studying. They may also spend much time online at social networking sites like Friendster.

Come to an agreement with your children that study and homework come first. Limit the use of PC at home. Teach the children about online safety.

  1. Enough funds to support them for their further education: Financial commitment is a real concern for parents. You want to give them the best education but you are worry about your financial constraints.

Personal financial planning has to start early to cater adequately for their higher education. The earlier you start to save, the easier and the more you can save by taking advantage of compound interest.

  1. Choose the right course to study and get admitted: Making sure that your children have chosen the right course for their higher education is another big concern.

Asking your children these three vital questions can provide a clue to what is best for them:

    • What are their interests?
    • What do they always do without being asked to do and they are able to do it better than others?
    • What are the things that they find meaningful in life and they feel is important to them?

  1. A good job: Can they get a job according to their field of study? It is a competitive world. A good education does not guarantee a job.

It helps for your children to be connected with the right people. Doing networking online and offline to know more people is crucial to land on a job.

  1. Able to find a mate: Will my son be able to find a mate and get married? He is spending more time in the office and he has no time to socialize.

Life can be fated. He or she may not get married. The best thing is to live mindfully and enjoy each day instead of worrying about the future.

  1. Stay happily together: Even when your children are married you are worried that their marriage may not last.

Share your experience and lessons in life so that they are better equipped to deal with problems in marriage.

  1. Will my children look after us: This is your last worry and the least worry.

Be happy that they have their own family. Hopefully they will remember to visit you often. Let your retirement fund take care of your old age and be merry.

Do you have other worries about your children? Add more to this list.

Related post:

7 Effective Tips to Raise Smart Kids

Saturday, January 9, 2010

5 Quick and Easy Ways to Establish Your Credit Worthiness

You alone can set your level of worthiness

Building your credit worthiness is not as difficult as you perceive. Here are the things that you can do effortlessly to make your credit look good:

1. A permanent residence: This is the place where you live and also where the mail can reach you. You don’t want to give an impression to others that you are a nomad.

2. A regular job: A regular job confirms that you can hold down a job and able to provide documentary evidence of your monthly earnings.

3. Obtain a small loan: You may not need one, but get one and pay off the loan on a timely fashion until it is fully settled. The whole idea is to establish a credit history for future reference by financial institutions. The loan demonstrates that you are capable of getting one and paying it off. It is better than someone without a credit history.

4. Get a credit card. Another way to show your credit worthiness is to get a credit card and use it. Pay the amount fully and promptly every time.

5. Open a current account: It is another way to tell the banks and other financial institutions that you are able to manage a bank account properly without issuing bounce checks or overdrawing your bank balance.

It is very simple to establish your credit worthiness but yet so effective. When the need arises for you to obtain a loan you will get one easily and quickly.

Friday, January 8, 2010

8 Easy and Effective ways to be Happy at Home

Doing the washing-up
A happy home life is to be found in a place where there is peace and quiet. You will only hear the laughter of the children. There is no loud exchange of words or throwing of things in the house or car smashing and crashing in the middle of the night.

Happiness at home is to be found in the simplicity of everyday life. But you have to appreciate the mundane life at home in order to discover the delightfulness in the simple and ordinary living. Here are ways to appreciate the ordinary home life in order to unearth the lasting happiness in it.

1. Clutter-free: A clean and tidy house is more than pleasing to the eyes. According to Feng Shui masters when a house is clutter-free, it attracts positive energy. You will enjoy the peaceful environment and the happiness when you are at home.

2. Less TV: Watching less TV at home means more time for all family members to talk to each other and get closer to one another by understanding each other better. Isn’t it happiness?

3. Eat together: Eating together means fostering closeness among family members and allows sharing of ideas and jokes and best of all – better communication and connection.

4. Help in the household chores: Sharing means caring. Instead of watching TV which makes you lazy why not do the washing- up to show you care and it makes your spouse happy and you are happy too.

5. Be tutors to the children: The children are happy when you spend time with them. Be tutors and help them in the various subjects. You will be glad to know that you are more than parents to them. The children are delighted that they are being loved and taken care of.

6. Spend time outdoor together: Take them to the beach, the country or to the mall. It does not matter where you take them to as long as you are with them. The whole idea is to spend time together. The children are happy that you are around to spend time with them having fun.

7. Deal with Argument: What shall you do when your spouse starts an argument? You should just listen (and forget about it later about what he or she has uttered) and allow the other party to air his or her grievances. Don’t fight back. When you don’t participate in the heated debate, things will be back to normal in no time. This is the best way to stay happy at home. Nobody wins when there is a quarrel in the family.

8. Be sincere and truthful: Happiness is living together with a clear conscious. There is no transgression. There is no need to confess and ask for forgiveness. Don’t follow the footsteps of Tiger Woods. The one-car accident not only crashed his car but destroyed his lucrative career and many streams of income and, most importantly, shattered the happiness of a family. In the end it is like the title of a popular pop song – too little too late.

Your home is your last refuge; it is where you return to after a hard day’s work. If you don’t find peace, quiet and contentment at home you will miss a lot of happiness in life.

Treasure the happiness of a simple home life.

Thursday, January 7, 2010

How to Find Happiness at the Workplace – 11 Top Tips

A pot of plant
There are many ways to be happy at the workplace and here are the delightful ways to achieve happiness and success at the same time:

1. Smile: When you look gloomy, the people around you will keep you at a distance because they are wondering what is wrong with you. When you are cheerful and always wear a smile, you are also greeted with a broad smile from the people that you meet. It makes you happy

2. Be organized: Happiness is getting your work done smoothly in the office. It can only happen when you have organized yourself well. Every day, you do your to-do list in the evening for the following day and you prioritize your work according to the to-do list. There is no panic situation or emergency to build pressure on yourself.

3. Personal packaging: Pay attention to your grooming. The physical appearance will instantly generate happiness when you are smartly and appropriately dressed. You give others an impression that you are meticulous. A confident and happy person is a well-dressed person.

4. Develop people skills: Be interested in the people around you, be it your boss or your subordinates. You get your pay raise and promotion through your boss and you get things done through your subordinates. It pays to get along well with people around you. You show your interest in others and others will reciprocate and show their interest in you. In the end you feel great and happy.

5. Take advantage of technology: Take advantage of advanced technology to boost productivity at the workplace. Maximize the use of spreadsheet, word processor and other software to get your job done more efficiently and accurately. You will be happy to get work completed in less time. You can spend more time to think of ways to be more productive, efficient, and effective and be happier.

6. A pot of plant on your desk: Do you know by placing a pot of green plant on your desk can immediate lift your mood? According to research having greenery on your desk can increase your levels of happiness and well-being.

7. Be sincere and truthful: You are happy when you have nothing to hide and there is no need to tell lies. You speak the truth even if you have made a blunder. The more lies you tell the more lies you need to tell in order to cover the truth. It frustrates you and you feel miserable at work worrying about when the truth will be discovered by your boss. As you know honesty is the best policy.

8. Mindful at work: Your mind is on the job at hand. You do not allow distraction or your mind to wonder about or worry about something else. You do a job accurately and quickly. As soon as you get it done, you end with a happy note. You know there is no loose end to take care and it is executed as required in a timely fashion.

9. Be a trusted brand: Build the trust in you. Deliver as promised, go to work punctually and attend meeting on time. Take full responsibility and accountability for your job and not blame others for your failure. Be the one that others count on and depend on. You establish your brand over time and it will not happen right away. A trusted brand is a happy brand.

10. Personal development: Be interested in learning new things. Adopt new ways of doing things to cut down the time needed to get a job done. Be more efficient and effective at work. Hone your skills and be the one that others look upon for answers. As you build up your expertise it boosts your self-confidence and your happiness.

11. A clutter-free work place
: When your desk is clean and tidy and the documents are filed orderly, it is not only pleasing to the eyes but you are happy to work in such an environment. You are pleased to know that you can easily retrieve a file when you want to because you know where to look for it as it has been filed properly.

Doing work you enjoy is happiness in itself. Develop yourself into a trusted brand will further boost your happiness at the workplace.

Related post:
Happiness at the Workplace - The Plant Factor

Wednesday, January 6, 2010

A Dozen Quick and Easy Ways to be Happy Every Day

You decide your life, either you are happy or miserable. Given a choice you would live every day happily rather than miserably.

Here are some simple ways that you can be cheerful every day:

  1. Dress your best: To be instantly happy is to dress smartly. When you look at yourself in the mirror and you see a well-dressed person, it gives you confidence as well as happiness right away.

  1. Entertain yourself: Listen to your favourite music, put on your favourite movie or play your favourite instrument. Let the sound and sight lift your mood immediately.

  1. Daily habit of learning: Are you happy when you have learnt something new? I do. When I discover a new and better way to do things I am delighted and thrilled.

  1. Random acts of kindness: You don’t have to look for it. When you come across a chance to lend a hand, just do it. The person that you have helped is grateful to you and you are happy that you are kind to others.

I think I began learning long ago that those who are happiest are those who do the most for others Booker T. Washington (1856-1915) Educator and writer

  1. Meet up with you friends: Seek out your good friends. Share a few jokes and laugh out loud. It is that simple to be happy. Laughter has been proven to help you relax, boost your immune system, protect your heart and make you feel good.

  1. Enjoy your work, enjoy the things that you are doing: “The secret of happiness is not in doing what one likes to do, but in liking what one has to do,” says Sir James M. Barrie

  1. Think of your successes and achievements: The thoughts of previous accomplishments will not only make you happy but boost your self-confidence as well. A continuous daily awareness of your successes affects positively on your emotional happiness.

  1. Live in the moment: According to Oliver Herford there is no time like the pleasant. Happiness is not worrying about the future or regretting about the past. It is about enjoying what you are doing in the moment mindfully. When your mind is not with the task at hand, you don’t perform well and worst still you make mistakes. It is only when you concentrate on what you are doing that you find joy in it. Likewise, when you are having fun and you are thinking about your work in the office, are you able to let go and enjoy yourself fully?

  1. Be truthful and sincere: When you are honest and sincere to yourself and to your family, there is nothing to hide. There is no guilt feeling about doing something morally wrong and you face the world with full confidence. You are happy because you are what you are. When you betray yourself and others you may end up like Tiger Woods and perhaps it is too little too late to do anything about it. A healthy home life is a happy home life. Be happy by being sincere and truthful, don’t live in regrets.

  1. Exercise every day: Exercise in itself will set you in a positive mood because you know it is good for your health. When you feel good about yourself you are naturally as happy as can be.

  1. Find meaning in life: What is your purpose in life? When you find meaning in life your daily life is fulfilling and you are satisfied with what you are doing. It is especially so when you are contributing to others. Success is not a destination: It is a journey. The happiest people I know are those who are busy working toward specific objectives. The most bored and miserable people I know are those who are drifting along with no worthwhile objectives in mind - Zig Ziglar Motivational speaker and writer

  1. Just be happy: Happiness is from within. Happiness is not attaching to material things. If it were, the poorest people in this world would be the most miserable people. In reality, they are among the happiest. They just make the best out of the situation and enjoy what life has offered them. People are just as happy as they make up their minds to be - Abraham Lincoln.

Our goal in life is to turn every ordinary day into extraordinary day by being happy.

Start the New Year right with a positive mental attitude by being cheerful and joyful every day.

Tuesday, January 5, 2010

Personal Financial Management is a Balancing Act

Achieving your financial freedom is like juggling 10 balls at the same time; you have to perform a balancing act so that whatever you do in one area does not affect the other areas adversely. What are the ten areas?

  1. Maximize your return on investment: The rate of return will determine the growth of your investment. However, the higher the yield the riskier the investment is. So it is a balancing act to maximize return and protect your capital

  1. Purchase a house: How much you spend on your house will affect other areas. If you spend too much on your house, perhaps you have to spend less in other areas,

  1. Retirement fund: Again, if you allocate too little you may not have enough during your retirement. If you provide too much the other areas will be affected.

  1. Educational fund: Our aim is to allow our children to have quality education. There again we need to be prudent not to spend too much or else our retirement fund may be depleted.

  1. Annual holiday: Spending a good time in a foreign country is great joy, but doing it too often will drain your limited financial resources. You have to decide how much is enough

  1. Daily living expenses: Do you want to spend lavishly or frugally? How you spend will affect your allocation in other areas.

  1. Your emergency fund: It is to cover medical and out-of-work expenses: You have to consider leaving enough money to cover a period when you are jobless or you are unable to work due to illnesses.

  1. How soon and how much you start to save: The sooner and the more you save, the faster it is for your money to grow. It means you will create a larger fortune because of the power of compound interest. But the more your save the less you will have to spend daily.

  1. Purchase a car and changing cars: How big a car you buy and how often you change you cars will definitely affect your financial resources.

  1. Your household income: The size of your household income will largely determine the allocation of your fund in various areas of your life where you need to be financed. Of course the more you have, the merrier it is but it is still limited.

Personal financial management is never easy. The most important thing is to stay out of debt and live within your means and be happy with what you have.

Monday, January 4, 2010

7 Goals of Personal Finance

Personal financial planning involves more than just living within your means. You have to start early to save for many purposes in life. There are goals such as buying a car, a house, maximizing your investment to accumulate a fund for children’s education and retirement. You also need to avoid or reduce the risks of losses to your wealth and earning power. Lastly, you need to make arrangement to distribute your wealth in an orderly fashion before you are no longer around. Here are the seven goals in personal finances:

1. Eliminate high-interest debts: The first all-important goal is to get rid of all debts. Don’t think that you still can save while having high-interest debts such as credit card debts. The amount of interest earned which is way below 4% for your FD compounded annually just cannot keep pace with 18% interest charged on your cards compounded monthly Just remember that compound interest is a double-edged sword. At this juncture spend only on basic necessities until your outstanding debt is fully settled.

2. Budget: A budget is to allocate your spending within the limit of your income. A meaningful budget is one which includes savings, household expenses, and other monthly commitments such as insurance, installment payments. Follow the budget faithfully to avoid impulsive and unplanned spending

3. Income: The goal in this area is to increase your take-home pay from your normal employment. The other area to look into is to create passive income streams. On common source of passive income is to collect rental from property. The ultimate goal is to work less and earn more.

4. Expenses: One way to track your expenses is to look closely at your monthly credit card statements. Identify expenses that you can go without or reduce. Take advantage of tax relief and rebates to reduce your tax liability. Be able to distinguish between good debts (such as a loan to buy a house) and bad debts (use your credit cards to buy what you want and pay only the minimum amount).

5. Savings: Take advantage of regular savings and start saving early and allow compound interest to work wonder for you. The money you have saved is to earmark for down payments for a car and a house. Part of the savings is also use to invest and create a fund for your children’s higher education and for your own retirement

6. Protection: It is to safeguard your wealth such as your house from fire and other damages. Buy adequate property insurance coverage so that the risks are passed on to your insurers. You also need insurance cover to reimburse you for accidental and medical expenses and disability to carry on gainful employment

7. Estate planning: The aim of estate planning is to arrange in advance the transfer of your wealth to those you have in mind in a hassle-free way

Personal financial management is a long term activity. Things cannot happen overnight especially savings and investment. Be disciplined to monitor your personal finances on a regular basis. Make changes to suit changing conditions as you move along in life. The most important thing in life is to avoid gambling and not to incur unnecessary debt. These will lead to bankruptcy eventually.

This post has been featured on money management carnival, published on Money Management 411
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