Monday, October 20, 2014

10 Calming Quotes

A Place To Relax

Are you staying in calmness or your mind is in turbulence?
Be inspired by these calming quotes and stay cool at all times: 

1.     Peace comes from within. Do not seek it without. -  Buddha

2.     Your calm mind is the ultimate weapon against your challenges. So relax. - Bryant McGill

3.     The more tranquil a man becomes, the greater is his success, his influence, his power for good. Calmness of mind is one of the beautiful jewels of wisdom.
- James Allen

4.     Power is so characteristically calm, that calmness in itself has the aspect of strength.  - Edward Bulwer-Lytton

5.     There is a calmness to a life lived in gratitude, a quiet joy. - Ralph H. Blum 

6.     A samurai must remain calm at all times even in the face of danger. - Chris Bradford,

7.     By staying calm, you increase your resistance against any kind of storms.   - Mehmet Murat ildan

8.     When your mind is besieged by some inauspicious thoughts, you can bring the sunshine into your life by staying calm! - Mehmet Murat ildan

9.     Calm mind brings inner strength and self-confidence, so that's very important for good health. - Dalai Lama

10.     Remain calm, serene, always in command of yourself. You will then find out how easy it is to get along. - Paramahansa Yogananda

Thursday, October 16, 2014

7 Smart Ways to Shape Your Future Now

Looking To Future
Just as our present is the result of our past, so our future will be the result of our present. Every minute of every day we are weaving threads that will make the cloth of future.’
  - Anne Spencer Parry

Your future is now. What you think, believe and do now will determine the outcome of the future. The smart way to shape the future is to do the right things now. Adopt successful habits one by one and build your strengths over time:      

1.      Be healthy now: Be active, follow a balanced diet and a healthy lifestyle. Avoid bad habits like smoking, watching too much TV and sitting around all day long. Exercise every day to build energy and develop resilience to face the challenges of the future. Eat more vegetables, fruits and all things natural. Drink water throughout the day. Have enough sleep and be an early riser.

2.      Be a learner now: Skills and knowledge are indispensable   for you to survive in this competitive world. Keep leaning to update yourself and keep abreast of technological advancement.  Make changes and move forward to avoid being obsolete.

3.      Be a networker now: Networking is about building long term relationships. Get connected with positive people. Give and receive support among like-mined individuals. Networking allows you to get ideas, opportunities and be visible. Expanding your contacts is a great way to build your career and for personal growth.  

4.      Be Positive now:  Be confident of what you want in life; obstacles and setbacks are challenges to win over. Build your resilience by going head-on with problems. Choose to be happy when you get up in the morning. 

5.      Take action now: Visualize and write down your goals. Written goals are the lighthouse in your life. It guides the  way you have envisaged and do what is important in your life.
Take the first step and the next. You can plan so much but you have to start moving

6.      Build your brand now:  Build a positive character. Be honest, trust-worthy and live with integrity. It takes a long time to establish a reputable brand and with one wrong move you will destroy your reputation quickly. So watch your words and actions.

7.      Be a master of money now: Do not compare with others but live your own life within your means and avoid getting into debt. Be responsible in money matters to be credit worthy. Start the habit of savings early to take advantage of compound interest over time .Learn to invest and build your wealth. Money may not be everything in your life but you can live without it.   

“There is no moment more precious than the exact moment they are living. And that exact moment has a lot to do with how future moments play out.”
― Obert Skye, Leven Thumps and the Gateway to Foo

Your life is about what you do now. You will reap what you sow.

Monday, October 13, 2014

20 Simple Ways to Have a Great Day

Mountain Lake

A great day is a day when you are happy, full of energy, productive and the world is in your hand. This list will definitely inspire you; uplift your spirits and kick-start a brand new great day for you:  

1.      Be early: You are in control when you start a new day early. There is no rushing about to get things done because you are ahead of others and you can attend to your tasks one thing at a time gracefully. 

2.      Be ready: It means you are organized and prepared for a new day. More likely than not you are armed with a to-do list and set your priority to conquer a new day with confidence.  

3.      Be happy:  Decide to be cheerful when you get up. Happiness will translate into positivity for you to greet a new day delightfully.

4.      Be energetic: Are you an active person? The more active you are the more energetic you will be. Exercise daily to boost your energy and enthusiasm.

5.      Be different: Don’t travel your usual route to work. Go by a new way. Think of a new way to get a job done. Have lunch in another outlet. Color you life and be different.

6.      Be calm: Calmness is about serenity and it brings focus and concentration at work. You are at ease and you are not easily distracted. Here are a dozen ways to help you stay calm.

7.      Be mindful: To live a great day is to live from moment to moment knowing what you are doing at each moment. Your mind is not wondering about but paying full attention to the task at hand. When it is time to relax and unwind you really let your hair down.

8.      Be purposeful: Everything that you do has a purpose.  It is related to your vision, mission and goals in life. A great day is a day which you live with purpose and passionate about what you do.

9.      Be positive: Positivity sees light at the end of the tunnel and looks at a glass as half full. With a positive mental attitude, a problem is a challenge to take on and win over. 

10.  Be creative: Be resourceful, think of a better way to get a task done more efficiently.

11.  Be inspired: Be motivated by this list and enjoy a great day. This list will improve your well-being and outlook in life. Every new day will bring you more joy than before.

12.  Be active: An active lifestyle promotes energy. Exercise every day like jogging in the great outdoors to embrace nature and be healthy and fit  

13.  Be simple: Avoid small stuff and work on things that are important in your life. Manage your time well and bring the desired results at the end of a day.

14.  Be yourself: Live your life the way you want to be and not what others expect you to be. Be free, be yourself.

15.  Be thankful: Think of what you have and you will know you are living in abundance. Be appreciative of your employer, you family and your friends. They are supporting you and they are the meaning in your life. 

16.  Be hopeful: Hope is a form of energy to spur you to carry on living a great life. Always look forward to having more great days ahead of you.

17.  Be flexible: Technology is about changes. Be willing to do thing differently and move forward in life.      

18.  Be curious: You will lean when you want to know more. Read books, surf the net and learn something new every day.

19.  Be helpful: Be kind and compassionate. Find out what you can do for others in one way or another. A great day is a day that you can give freely. 

20.  Be friendly: Greet people you meet. Smile at strangers. Say thank you to the cashier who has just served you.

    Every morning, my dad would have me looking in the mirror and repeat, 'Today is going to be a great day; I can, and I will. - Gina Rodriguez

Thursday, October 9, 2014

10 Simple Ways to Improve Your Well-Being

Young Beauty Has Leaned A Cheek Against Snow On A
Are you feeling comfortable? According to an article, The Five Essential Elements of Wellbeing, a person’s well-being consists of five elements:
  • The first element is about how you occupy your time or simply liking what you do every day: Your Career Wellbeing.
  • The second element is about having strong relationships and love in your life: Your Social Wellbeing.
  • The third element is about effectively managing your economic life: Your Financial Wellbeing.
  • The fourth element is about having good health and enough energy to get things done on a daily basis: Your Physical Wellbeing.
  • The fifth element is about the sense of engagement you have with the area where you live: Your Community Wellbeing.
Well-being is about feeling good, healthy and happy. Here are 10 simple ways to boost your well-being:

1.      Exercise: An active lifestyle is a healthy lifestyle. Energy is derived from a healthy body. Energy boosts productive.

2.      Kindness and forgiveness: To be in a state of serenity and getting peace of mind is to hold no grudges and forgive the wrong doings of others done towards us.  Kindness is the way of personal well-being. Giving promotes happiness to the giver as well as the receiver.

3.      Live within your means: Live you own way of life according to your means. A debt-free life is a care-free life. You sleep soundly every night because you know what you own is all yours.

4.      Hopeful: It is a positive expectation of the future. Life may be harsh and unkindly, you look forward to each new day thinking that it will be a better day.

5.      Be grateful: Think of what you have instead of what you want. Count your blessings and be thankful. Living in abundance is about a decent job , a roof over your head and a happy family,   

6.      Be connected: Hang out with your friends, go for a movie or chat over a cup of coffee. Life is about getting connected. Express your feelings, tell others about what‘s in your mind. Do it now without regret.

7.      Learn something new: Keep learning to stimulate your mind. Technology is advancing at an accelerated pace, embrace IT and move forward with the changing time.  

8.      Purpose in life: It is about your passion, vision and goals in life. It is meaningful to you and it brings you happiness.

9.      Live in the present: Live from moment to moment, focus on the task at hand. Immerse in what you do so that you will do the best you can  with mindfulness

10.  Balanced life: Life is not just about work. Your family comes first. Do not spend more time working at the expense of your family. Money cannot buy happiness of family life. It is your present that counts.

  “Live with intention. Walk to the edge. Listen hard. Practice wellness. Play with abandon. Laugh. Choose with no regret. Do what you love. Live as if this is all there is.” —Mary Anne Roadacher-Hershey


Monday, October 6, 2014

10 Smart Ways to be Productive at Work

Tech Job 2

To be productive is to work smart. The most important thing is to identify those important things that you want to accomplish and how you want to get done efficiently and effectively. Here are some smart ways to be productive without being stressful:  

1.      In the morning: The beginning of a new day is always packed with freshness of the mind and fullness in energy for you to tackle the most important and complex issues of the day. It is assumed that you have had a good night’s sleep. Get it done in the morning and you will be pleased to get other things done like a piece of cake. 

2.      Work with your heart: You do a thorough job when you are interested in what you do. You work with focus and enthusiasm. You take pride in your work and things get done once and for all. 

3.     Take breaks: Taking breaks is to refresh your mind and restore energy for the task ahead of you. Run some errands and walk about. Productivity diminishes when you work continuously because fatigue sets in; mistakes occur and you will be wasting time to redo it. 

4.      Take your lunch break: It is a wise thing to get out and enjoy your lunch outside of your workplace. It is good to have a change of environment to unwind and regain your balance. 

5.      One task at a time: Do not worry about other things you need to attend to. Focus on the task at hand and work with concentration. It is less stressful and more productive. 

6.      Clutter-free desk: Remove everything else out of the way and work with tools required for the job at hand. Looking for something you need in a messy desk is frustrating.  

7.      Attend to things immediately: In the midst of doing your work you get interrupted by a phone call or a message,  act on it  immediately if it takes  only a few minutes. Write it down if you need to attend to it later.

8.      Established a routine: A daily routine is like a good habit. Over time you have found out the best sequence of getting various things done in a day. Just stick to it. As an example it is good to do some serious work in the morning, after lunch you can do tasks that are not so demanding and in the evening you review what you have done for the day and plan ahead to work   more productively in another new day.   

9.      Start work early: Go to work ahead of others so that you can work with peace and without disturbance. While others have just arrived for work you can have a cup of coffee to celebrate getting done an important assignment.  

10.  To-do list: In the evening the day before or in the early morning you prepare a list. When you do it you are actually thinking and planning ahead. You give priority to important tasks. This list mentally prepared yourself positively for the day ahead of you. It is a relief for you when each task is done and you cross it out.   

“Nothing is less productive than to make more efficient what should not be done at all.” 

Thursday, October 2, 2014

10 Benefits of a Life Insurance Policy

10 Benefits of a Life Insurance Policy
A life policy is a valuable document. It is more than an instrument to compensate the loss of life of the insured or earning power because of an accident or illness. You can wisely consider the following benefits:

1.      A form of savings and investment: You develop a regular saving habit.Wealth building starts with savings accumulated over time.   

2.      Tax deductable: Life insurance premium is usually a tax-deductable item. In Malaysia there is a personal tax relief of RM6000; however this amount is inclusive of your share of contributions to Employees provident fund.  

3.      A source of cash: As time passes by, your policy builds up a reserve of fund   and you can withdraw its cash value in case there is an urgent need for cash.

4.      A pledge for a loan: You can also pledge your policy and apply for a loan. As it is a loan you will have to pay interest for the loan amount.   

5.      A source of fund for the next-of- kin: Perhaps it is your aim to create wealth for your immediate family. A life policy is usually for this purpose.

6.      Funeral expenses: Upon the maturity of the policy or the untimely demise of the insured, part of the policy proceeds will pay for the deceased’s funeral expenses.  It is a wise move to avoid your immediate family to shoulder such cash outflow. 

7.      Settlement of outstanding debt such as mortgage or personal loan: Upon the premature death of the insured, the proceeds of the policy can be used to settle the deceased’s credit card and personal debt. A MRTA policy will be conveniently used to settle outstanding housing loan in the name of the insured.  

8.      Children’s education: It is yet another wise move to purchase a policy and save for your children‘s future education. The maturity date will coincide when your child enters university.     

9.      Retirement fund: An insurance policy is also a good source of retirement fund. You can time the maturity date of the policy to match the commencement of your retirement. 

10.  Financial support of your family: To avoid financial strain to your immediate family an insurance policy will be a source of fund when you are the only bread winner upon your untimely departure as result of an accident or terminal illnesses.   

There are many types of life policies:

Term life Insurance: When the policy expires it has no cash value, but it offers maximum protection with minimum cost for a stated period. A death benefit will be paid when the insured dies or suffers total and permanent disability while the policy is still active.  This type of policy is to replace your earning power and create a source of fund for yourself or your immediate family    

Whole Life Policy: This form of policy is to create wealth for your next-of-kin because you are paying premium for your whole life until you pass way or are permanently disabled.

Endowment policy: The policy offers protection as well as savings for a specific period and for a specific purpose. The fund may be needed for your marriage or a down-payment for you house.

Investment-linked insurance: It offers protection and a chance to invest by participating in units in a fund managed by the life insurance company. The value of your fund goes up or down subject to market force.

Child education policy: As the name implies it is a policy to cater for your child’s education.  

Medical and health: It has no cash value, but it is an essential expense item.  Medical and health insurance is designed to cover the cost of private medical treatment, which can be very costly, especially with hospitalization and surgery. MHI also ensures that you won't have to worry about the cost of seeking treatment during emergencies. In addition, MHI also provides you with an income stream while you undergo treatment.

Retirement Annuity: It is to ensure that you can depend upon a steady source of income during you retirement. Bear in mind that the income payments you receive will depend on the amount you pay to purchase the annuity, your age when you purchase the annuity and your gender.

Mortgage reducing term assurance: It is a policy to cover the repayment of an outstanding property loan to the financial institution in the event of untimely death, disability or critical illness of the borrower.

You will consider and purchase suitable policies to suit your requirements.  


Monday, September 29, 2014

10 Delightful Words to Inspire You

Public Library 2
These simple words will transform your outlook and bring meaning to your life. Every day study these words and be inspired.  

1.     Happiness: Choose happiness when you wake up in the morning. It is the best way to cheer you up for the whole day. Find joy and happiness in things you enjoy doing. Go slow and live in the moment to enjoy the process of working with focus. Join the company of positive people to bring more happiness in your life,

Happiness is a conscious choice, not an automatic response. ~Mildred Barthel

2.     Gratitude: Make it a habit of writing a few things that you are grateful for every evening. By doing this you will appreciate what you have and find contentment in your life.

If you want to turn your life around, try thankfulness. It will change your life mightily. ~Gerald Good

3.     Calm: You will find serenity in you when you are on top of the world. Here are a dozen ways to stay calm.  

Nothing gives a person so much advantage over another as to remain always cool and unruffled under all circumstances. ~Thomas Jefferson 

4.     Relationships: Love is someone who cares for you and you also care about.  Motivate and compliment your friends. Life is beautiful when you are  connected,  

Shared joy is a double joy; shared sorrow is half a sorrow. ~Swedish Proverb

5.     Organized: Prioritize and do those  things that are important in your life. Do one thing at a time. Avoid clutter at home and at work to be more productive.
A place for everything and everything in its place.  ~ Benjamin Franklin
6.     Simplicity:  A simple life is to live within your means and be debt-free. You are free from worries and you get peace of mind.  

The best things in life are nearest: Breath in your nostrils, light in your eyes, flowers at your feet, duties at your hand, the path of right just before you. Then do not grasp at the stars, but do life’s plain, common work as it comes, certain that daily duties and daily bread are the sweetest things in life. ~Robert Louis Stevenson

7.     Energetic: The way to have energy is to stay healthy. Exercise daily and follow a nutritional diet to fuel your energy. Sleep around eight hours to regain your balance.    

8.     Purpose: Know your purpose in life. Set meaningful goals according to your aspirations. Life is hopeful when there is something interesting to do every day and you are proud of it.

Begin each day as if it were on purpose. ~Author Unknown

9.     Positive: Life is not a bed of roses.  React to things in life positively to overcome problems and stay resilient.  

A strong positive mental attitude will create more miracles than any wonder drug. ~Patricia Neal

10.                        Kindness: Be kind to yourself and do random acts of kindness to others. Be friendly and helpful.  Love animals and all living things in this world. Smile and be respectful to people around you  

Treat everyone with politeness, even those who are rude to you — not because they are nice, but because you are. ~Author Unknown
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