Smile for that is your charity
Smile because it makes you cheerful
Smile because someone dear to you looks up to you
Smile because someone out there needs a friend
A smile is free to give
Gains more than you ever will know it
SMILE, FOR IT MAKES YOU AND ME HAPPY
Wednesday, July 23, 2008
Saturday, July 5, 2008
Economy Downturn?
July 2008. Seems like the financial situation is getting from worrying to breaking out into worts!
The subprime issues and the petroleum prices soaring high are making the people in the street like us sweat. We wished that the Government would be more supportive and more generous in handing out subsidies.
We wished that we had more cash in our savings account to be ready for what is coming, a dark outlook or dark financial forecast. Look at how the stocks are doing.
Today, I was forwarded an email advising people to be more prudent in their spendings. Here are some tips, which I think could be applied to some of us:
1. Don't take any loans, buy homes, properties with loans, or even cash. Keep as much cash as possible.
2. Pay off as much of personal loans, private loans, as debt collection will be hastened.
3. Sell any stocks you can even at lower prices.
4. Take money off from Trust Funds.
5. Don't believe in huge sales forecast from customers, be extremely prudent, lowest inventories, reduce liabilities.
6. Don't invest in new capital.
7. If you are selling homes/properties/ cars, do it now , when you can get good prices, they are going to fall.
8. Don't invest in new business proposals.
9. Cancel holiday plans using credit cards.
10. Don't change jobs, as companies will retrenchbased on 'last in, first out'.
However, I remembered being taught in my Economics class ( I was the worst student), that if the people / economy do not spend any money and everyone just kept their money under their pillow or banks.... things would come to a standstill (or something like that). From this lesson, it says to go on spending your money but wisely. No more splurging or fancy buying.
If I had any debts, I would certainly clear off my credit cards first, because that is a killer. Now that there is this new ruling imposed, on certain charges for credit revolvers. Meaning that, if you pay your card on the minimal amount, for every new transaction, you will be charged an interest rate from the day it is posted to the credit card company. No more free 20 interest free days!
However, you can still buy or take up equities or unit trusts at such low prices. According to one expert in Australia, this IS a good time to invest. It is because all the premium stocks are now at a very low price. This will assist you in creating your future wealth.
Another way to create your wealth is to provide your family with financial protection instruments such as from eTiQa Takaful. Let's say down the road, you are only saving RM100 per month with a financial institution. Let's say an accident happens, then you might need to take out your savings to pay your bills. So, what is left? If, you were to take up an eTiQa Takaful policy, be rest assured, it will help you lessen your burden. It pays for your hospitalisation, settle your debts, gives you some pocket allowance and also gives you dividends over your savings. Another good point, zakat is taken care of,too. A RM100 might add on to your wealth, up to RM30,000 to RM50,000 depending on your age.
For more info, email to kaiyisah@yahoo.com
The subprime issues and the petroleum prices soaring high are making the people in the street like us sweat. We wished that the Government would be more supportive and more generous in handing out subsidies.
We wished that we had more cash in our savings account to be ready for what is coming, a dark outlook or dark financial forecast. Look at how the stocks are doing.
Today, I was forwarded an email advising people to be more prudent in their spendings. Here are some tips, which I think could be applied to some of us:
1. Don't take any loans, buy homes, properties with loans, or even cash. Keep as much cash as possible.
2. Pay off as much of personal loans, private loans, as debt collection will be hastened.
3. Sell any stocks you can even at lower prices.
4. Take money off from Trust Funds.
5. Don't believe in huge sales forecast from customers, be extremely prudent, lowest inventories, reduce liabilities.
6. Don't invest in new capital.
7. If you are selling homes/properties/ cars, do it now , when you can get good prices, they are going to fall.
8. Don't invest in new business proposals.
9. Cancel holiday plans using credit cards.
10. Don't change jobs, as companies will retrenchbased on 'last in, first out'.
However, I remembered being taught in my Economics class ( I was the worst student), that if the people / economy do not spend any money and everyone just kept their money under their pillow or banks.... things would come to a standstill (or something like that). From this lesson, it says to go on spending your money but wisely. No more splurging or fancy buying.
If I had any debts, I would certainly clear off my credit cards first, because that is a killer. Now that there is this new ruling imposed, on certain charges for credit revolvers. Meaning that, if you pay your card on the minimal amount, for every new transaction, you will be charged an interest rate from the day it is posted to the credit card company. No more free 20 interest free days!
However, you can still buy or take up equities or unit trusts at such low prices. According to one expert in Australia, this IS a good time to invest. It is because all the premium stocks are now at a very low price. This will assist you in creating your future wealth.
Another way to create your wealth is to provide your family with financial protection instruments such as from eTiQa Takaful. Let's say down the road, you are only saving RM100 per month with a financial institution. Let's say an accident happens, then you might need to take out your savings to pay your bills. So, what is left? If, you were to take up an eTiQa Takaful policy, be rest assured, it will help you lessen your burden. It pays for your hospitalisation, settle your debts, gives you some pocket allowance and also gives you dividends over your savings. Another good point, zakat is taken care of,too. A RM100 might add on to your wealth, up to RM30,000 to RM50,000 depending on your age.
For more info, email to kaiyisah@yahoo.com
Monday, June 2, 2008
STRESS LESS
MODERN times, modern stress. Each day is a stress, especially for those living in BIG cities. Globally, everybody have some sort of stress. Those who live well, look radiant, have some secrets to their good health and looks.Perhaps these are some of them:
1. Take life one day at a time
Try to enjoy every moment of living. Appreciate every good things that come your way. When you live in fear of losing something, then you never really live.
2. Remember to keep breathing
Take a deep breath, every half and hour or so. It fills up your lungs and take out some of the stress with it.
3. Be thankful for what you have
Yup, right up to the speck of food that goes into your mouth. Some people fell sick and that's when they realized that every single thing that they are able to do while healthy is actually a blessing. Just like being able to breathe. (No coughs , no phleghms, etc)
4. Love yourself and people around you
When you love yourself, you treat yourself better. It reflects. People see that love radiating from you. In return, people around you love being around you because you share that loving feeling. Give the best that you can, the real value you create can never be diminished
5. Look out for the positve side
Be on the look out for positive things. Even if you had an accident, your car is dented. Look at it positively. If it is not your car, it could have been you. You might now want to repaint you car in your favourite shade!
Things will come and go. It is how you take it, will make every day much less of a stress.
Now, BREATHE!!!!
1. Take life one day at a time
Try to enjoy every moment of living. Appreciate every good things that come your way. When you live in fear of losing something, then you never really live.
2. Remember to keep breathing
Take a deep breath, every half and hour or so. It fills up your lungs and take out some of the stress with it.
3. Be thankful for what you have
Yup, right up to the speck of food that goes into your mouth. Some people fell sick and that's when they realized that every single thing that they are able to do while healthy is actually a blessing. Just like being able to breathe. (No coughs , no phleghms, etc)
4. Love yourself and people around you
When you love yourself, you treat yourself better. It reflects. People see that love radiating from you. In return, people around you love being around you because you share that loving feeling. Give the best that you can, the real value you create can never be diminished
5. Look out for the positve side
Be on the look out for positive things. Even if you had an accident, your car is dented. Look at it positively. If it is not your car, it could have been you. You might now want to repaint you car in your favourite shade!
Things will come and go. It is how you take it, will make every day much less of a stress.
Now, BREATHE!!!!
Sunday, April 27, 2008
Heatlh is related to Food
Yesterday, I had the priviledge to visit Dr Zainol. The man responsible for promoting halal and healthy chicken. I was at his shop in Taman Nirwana, Ampang. We chatted over an hour while he was manning his shop. People came into the shop non stop while we were chatting and the phones kept ringing. (His mobile and the shop's telephone)
Despite his busy morning, he managed a great smile and shared some great information on eating healthily. Dr Mohamad Zainol Abdul Haja, 49, is a PhD holder in Economics and only after that obtained his degree in Medicine. He said that the chicken that he rears are real herbal organic kampung chicken.
They are not fed with harmful pellets nor injected with antibiotics which could really be harmful to humans when consumed over a long period of time. Visit http://www.azzain.com/ for more ,information.
I liked talking Dr Zainol as he is passionate about his subject matter. Wished I have the courage to do and go that path in life.
Thursday, April 24, 2008
Being Healthy
Good health starts from the mind. A healthy mind is a good breeding ground for good physical and mental health. How do we achieve that? A healthy mind is a sound mind. A sound mind comes from positive mind. duh
What generates a positive mind and how does one stay positive? It all comes with hard work, I can assure you that. Just as you want to stay slim or lose weight, you need discipline in your diet and discipline in carrying out your exercise regime. So is in the case of maintaining a positive mind? What is a positive mind anyway?
My version of a positive mind is to have a bright outlook of things. Everything happens for a purpose. Your refrigerator might take a break, so what do you do? Kick it, scream at it?
I would just be more creative in preparing my food, to last longer, while I have it fixed. If my budget allows me, I'll go for a brand new fridge and better one too (more eco-friendly and energy saving). There comes a good reason to chuck out the old one.
Positive mind is thinking of good outcomes from an event. It takes practise and constant reminders to myself. Yeah, it is really a bold step, to stay cool when the temperature around you rise and rise. When I looked back at my angry outbursts back in my younger years, (i'm not that old yet), I could see that I lose out in more ways than I could gain. I hurt my loved ones and I was sad. It wasn't a win-win situation.
So, how do I stay positive? READ....
Read more self motivation books, share experiences with positive people. Get away from energy suckers. DO...
Do things that I'm happy about. Such as talking,playing (yes, you need to play), hopping, skipping, being cheerful. Be ready to smile.
What comes from being positive then? hey, hey, hey, you got it!
A healthy mind, much reduced stress, less grey hair, better perception to life, friends and families love you more...because you are bubbly!
NEXT PART -PHYSICAL HEALTH
What generates a positive mind and how does one stay positive? It all comes with hard work, I can assure you that. Just as you want to stay slim or lose weight, you need discipline in your diet and discipline in carrying out your exercise regime. So is in the case of maintaining a positive mind? What is a positive mind anyway?
My version of a positive mind is to have a bright outlook of things. Everything happens for a purpose. Your refrigerator might take a break, so what do you do? Kick it, scream at it?
I would just be more creative in preparing my food, to last longer, while I have it fixed. If my budget allows me, I'll go for a brand new fridge and better one too (more eco-friendly and energy saving). There comes a good reason to chuck out the old one.
Positive mind is thinking of good outcomes from an event. It takes practise and constant reminders to myself. Yeah, it is really a bold step, to stay cool when the temperature around you rise and rise. When I looked back at my angry outbursts back in my younger years, (i'm not that old yet), I could see that I lose out in more ways than I could gain. I hurt my loved ones and I was sad. It wasn't a win-win situation.
So, how do I stay positive? READ....
Read more self motivation books, share experiences with positive people. Get away from energy suckers. DO...
Do things that I'm happy about. Such as talking,playing (yes, you need to play), hopping, skipping, being cheerful. Be ready to smile.
What comes from being positive then? hey, hey, hey, you got it!
A healthy mind, much reduced stress, less grey hair, better perception to life, friends and families love you more...because you are bubbly!
NEXT PART -PHYSICAL HEALTH
Subscribe to:
Posts (Atom)