Thursday, January 31, 2008

Which Bad Habit Do You have?

Regular Bad Habits People Create

Article to be share with you all.

Do you have a bad habit? You probably do. In fact, every person on this planet has a bad habit or at least, will develop one at some point in life. Habits are created because of the performance of certain acts in a regular manner. When the mind and body become accustomed to it, these habits become well established and as such, are difficult to break.

Usually, habits are harmless and can even be productive, because they pave the way toward learning. It is only when they become counter productive and affect a person's development and his contribution to his environment that habits need to be changed. Are you guilty of a bad habit? Here are the most common regular habits that people create:

Procrastination is one of the most popular regular habits that people develop. It is also one of the most damaging, although most of the effects are felt at a later stage. People with the habit of procrastination tend to avoid certain tasks, either because these tasks are too difficult, too easy or just simply uncomfortable. Sometimes, when the habit is so well established, avoidance becomes automatic, regardless of the level of difficulty of the task. The result? Wasted time and lost opportunities.

Negative thinking
Negative thinking often becomes a regular habit in people who have had experiences that were difficult or painful. Often, there is a foreboding sense of failure or doom among people who have a negative attitude. They tend to view and treat things as if they are worthless, unsuccessful and a total waste of time, regardless of their real value. People who have developed the habit of negative thinking often find it difficult to see the good points and would rather dwell on the negative aspects.

Another regular habit that can be costly is impulsiveness, often found in people who haven’t been able to develop a good sense of maturity and acceptance. It is difficult for them to learn to stand back, take a moment to think and decide and then take action. For them, the first thought that comes to mind is often the best choice so they carry out this thought, unmindful of the consequences.

Complacency is often characterized by submissiveness, the tendency to stand back and be content. People who are complacent tend to be self-satisfied with themselves and their present condition, never venturing out to see what else their environment can offer them. Complacent individuals are the complete opposite of go-getters. They tend to dislike change and would rather stay within the boundaries of their comfort zones.

Implementing false limits

People who are afraid to go beyond what they have established to be true and effective tend to implement false limits upon themselves. This habit limits their perspective of things and makes them refuse to accept certain truths and take advantage of certain opportunities. In their minds, it's often difficult to go beyond these boundaries and exert more effort because, as they often believe, it's just not done. They think that whatever effort they give will be ineffective and unsafe.

Bad personal hygiene

Regular habits that involve personal hygiene are often taught and learned in early childhood. Sometimes, they may also be reinforced later in life, when a person learns about their benefits. All the same, if a person fails to develop a personal hygiene, it not only becomes a health risk, it also becomes a reflection of his character.

However, unlike most regular bad habits, this type of habit is probably the easiest to change, considering that many people usually develop an awareness of themselves that often translates later to self-care and development. Sometimes, social factors such as shame and embarrassment can also help bring about a change in habits.

Unhealthy physical habits

Certain habits affect health in a negative way, such as smoking, drinking and excessive eating. These habits may be developed early in life (such as overeating) or they may be acquired later (such as smoking, drinking or taking drugs). They become a problem when they turn into an addiction or begin to threaten their physical health. Habits such as these may or may not be accompanied by an emotional cause or attachment but they become so well established that they often become one of the most difficult to break.

Tuesday, January 29, 2008

Stop Bad Shopping Habits

How to Stop Your Impulsive Buying Habits

Another article to share with you all

Some people spend impulsively every time they step inside a mall to merely buy the simplest of things. This is a very bad habit and it needs to broken immediately. Because if you fail to address it, you’ll get deep into credit card debt before you know it.
If you are a impulsive spender, here are some things that you can do to break this destructive habit:

1. Don’t use shopping as a way to relieve stress. Some people go to the mall as a form of diversion to their problems. If you do this, then you are actually fostering your tendency to become an impulsive shopper. If you have problems and you want to escape them, don’t go to the mall or anywhere you can spending money. You won’t be able to resist the temptation.

2. Simply stay away from malls and similar establishments. Every time you feel you are heading toward the mall area, don’t dare yourself to stand a test of wills. If you win, then that’s great. But what happens when you lose? You’ll lose your money as well. And that’s the sad reality. Unless you’re strong enough, don’t do it.

3. Ask for your family and friends support. Tell your friends that you are doing something to address your impulsive buying habit. If they are real friends, then they should know better than ask you out on a shop-till-you-drop spree. They should also be cooperative to help you and support you with you are trying to do. The mere talk of the latest item on sale at the mall is a no-no.

4. Reward yourself. Tell yourself that whenever you withstand a single instance of buying impulsively, you’re in for a treat. A nice meal at a restaurant should be good. Or an out-of-town vacation even, should you successfully withstand the urge to buy for a full month or so.

5. Don’t use credit cards. Some people buy impulsively because they simply have credit limits on their cards to spare. If you need to go the store to buy something, then make sure you leave your credit cards at home. Just bring enough cash to buy what you need. If you do, then you won’t be buying anything more than you really went for.

Saturday, January 26, 2008

Be content with what we have and try not to follow other

3 Easy Ways to Learn How to Stop Keeping Up With the Joneses

I remember what my father told me when I was young on the golden rule to manage our finance is: "Spend Within Your Limit"

You may have heard somebody tell you to stop keeping up with the Joneses. Or you may have heard it for the first time, it is important to know that this isn’t a positive comment at all.

Keeping up with the Joneses is a popular expression referring to people who try to look good or want to be perceived as good by trying to be as good as other people by obtaining the same things as their neighbors.

Simply put, keeping up with the Joneses is a sign of envy, which can be detrimental to your personality or even your social and economic life if not curbed.

Here are some ways to stop keeping up with the Joneses:

1. Be content

Be content with what you have. If you find happiness and contentment with whatever it is that you have, then you really don’t have to keep up with the Joneses. Of course, some people are just born lucky but it doesn’t necessarily mean that you will never have your day.

Just be thankful with what you have right now and if you aim to, at least, experience a little more advancement in life, then save up for your future and work harder. Envy will just lead you to nowhere. Try to live within your means.

2. Save more

At some point, you may have the money to spare and you may even have the capacity to buy what your neighbors can afford. However, it isn’t right to assume that just because you can afford to buy things, you can splurge and try to keep up with your neighbors or your friends.

Some people tend to keep up with the Joneses as a way of maintaining a good status symbol; trying to appear as somebody who can afford a lot of things. But try to realize that this isn’t a healthy habit. You have to save something for your future. No one knows what will happen to tomorrow.

3. Don’t use your credit card

With this plastic money, splurging on things will be way too easy for you. And trying to keep up with the Joneses can become a bad habit for you. It is better to live within your means and eliminate everything that will motivate you to buy unnecessary things.

Sure some people may be like the Joneses, those who can afford to buy everything and still live a worry-free life. But each person has their own individuality and your future will always be uncertain. Just try to remember that.

Wednesday, January 16, 2008

Personal Financial Control

Money Wise: Ways to Form Good Personal Finance Habit , Self Improvement for the Year 2008.

Have you ever spoken to your children on this topic?
It is never to late.

Money is an important thing. It shouldn’t run your life, but you should be wise about obtaining, spending and keeping it. How we handle money is a reflection of what we’ve learned early in life. Good personal finance habits should be an important part of your life, whether you're single, married or divorced. Here are ways to form good personal habits and start making sense of your money today:

Do it now.
If you must decide to form good personal finance habits, begin today, whether it's for yourself or for your children. The earlier you establish good finance habits, the more it will have a stronger hold on you. Remember that the more you delay changing bad finance habits, the more money you'll waste.

Organize your records.
One of the biggest mistakes you could ever make is failing to keep your financial documents properly filed. Having an organized system that allows you to find financial information when you need it is a good personal finance habit to form. This helps you locate documents, receipts, contracts, checks and the like when you need them and also it’s an efficient way of organizing your bill payment schedule.

Check on your credit history.
Don’t wait until you apply for a loan before taking a peek at your credit history. You should be able to keep yourself on top of things when it comes to your credit report. This is the basis of your credit score and if there are erroneous entries on your credit report, this could ruin your chances at getting a loan or even getting a job.

Have at least six months of a living salary in the bank.
Always put something aside for emergencies. The amount in your bank account should be able to cover your expenses for at least six months or more. This should provide you enough buffer in case you lose your job or changes that might upset your finances.

Budget and save.
If you're making good money and are still in debt, you need to take a look at your personal finance habits more closely. Try to see how your spending looks and then build a budget that will cover everything; your bills, mortgages, car payments, living allowances and other necessities. Cut back on unnecessary things and stick to your budget. Use your credit card only for big purchases. And lastly, learn to save. You're more likely to get your finances in order if you can discipline yourself enough to put aside a set portion of your salary into savings

Bad Debt Habit

How to Get Rid of the Habit of Piling Up Debts

In construction, We do normally hear of staff, Rolling the credit card ,due to bad debt. After reading this article, I decided to post it and hope that it will help those who needed it.

The habit of piling up debts is very difficult to break. But if you are unable to do so, you will find all your efforts to increase your income totally useless and your desire to improve your financial situation almost futile.

1. Get out of it immediately. Immediately means it is extremely urgent. You really need to be able to settle it. The fact that it has accumulated implies that it is a huge lump sum that requires your utmost attention.

2. Make a list. List all of your debts. This way, you will have more of an opportunity to minimize them as soon as possible, when they are all lined up in a neat list.

3. Prioritize which of these debts on your list need immediate attention. You need to be able to use your resources effectively and have your debts lined up properly.

4. Drive your income to the fullest. Make sure you maximize your income. Save as much money as you possibly can.

5. Know where your money goes. Track all of your payments and expenditures. What is causing your debt?

6. Be willing to make sacrifices. This may mean you have to give up your happy hour.

7. Settle it properly. Talk with people whom you are indebted to. Don’t ignore the demand letters or summons. Settle them immediately. These have monster interests attached to them the moment they get in the hands of the collection agency.

8. Make note of what you already have and what you can use at the moment. Utilize these resources and harness all possible means you can to get yourself out of debt.

9. Make sure you are able to keep good records. You can’t be a slob and be excellent in handling your finances. You don’t need a Master's degree in Economics or Business.

10. Don’t borrow money to pay off outstanding debts. This is just continuing the debts and turning them into a cycle. Get out of the rat race. Even business bigwigs like Robert Kiyosaki embrace that philosophy!

11. Always track your own progress and keep yourself motivated as you get out of debt.

12. Seek good counsel, and obey it!

13. Don’t repeat the same mistakes. Once you have gotten out of debt, make sure you don’t put yourself in the same old trap.


Say No To Procrastination

by Quintus Rangasamy
I would like to share this articles with you all readers

Are you constantly putting off important things because of procrastination? Is it damaging your career, wasting your time and costing you your hard money? Is it holding you back in your personal life as well as at work? is it keeping you from reaching your true potential? There is a way out of this disease. You cannot take pills or have it surgically removed, procrastination can only be removed by mental help and exercises.

Firstly, procrastination is really a habit. A bad habit. Bad habits hold you back from having a great life and realizing your true potential. How often do people say they are going to start that diet on Monday, or I will stop smoking on Monday, or no more credit cards from Monday. To break these bad habits people try to do it physically instead of mentally. What happens on Tuesday when your mind is telling you that you must have a cigarette? You need to change the way you think before your actions.

It all sounds very simple, just change your mentality and everything will be fine. How do you actually do that? You need to find the source of your procrastination. Ask yourself questions, why am I behaving this way, understand why I spend so much time procrastinating and how to stop the habit. Before implementing any strategies you need to understand what you are going to implement.

Where are your habits coming from, these are all the questions you must ask yourself and answer honestly, or there will be no point in trying to rid your habit. Speaking of which, to stop procrastinating you need to be completely dedicated and focused to stop your habit. If you are anything less than this you will fail to get rid of any habits you may have. Once you have rid yourself of one bad habit like procrastination, you can use those same methods to block any other bad habits.

Saturday, January 12, 2008

Warmest in the Heart.

The most precious moment that we should share.
Have you done it?

Committee walk . Getting to know your neighbour

A couple having their regular Sunday walk.

Publish Post
Grandfather enjoying a game with his grandson

All in the family: enjoying the computer game

Monday, January 07, 2008

Chinese Spring Rolls

How to make Spring Rolls,(Poh Piah)

Well, finally got the time today to go to my favorite Poh Piah store in Fettes Park for a tea break before proceeding to Birch House for the management meeting with 2 of Assistant manager.
Well, on my R & R trip back to Penang , I would definitely order this dish during my lunch.

Below pictures show the way to make Chinese Spring roll, (Poh Piah)

Cooked turnip in the hot pot.

Spread the sweet and spicy sauce and then add the lettuce

Add the main ingredient cooked turnip.................and later eggs, fried bean curb as topping

Finally,warping up the dough skin.......Wow, Ho Chiak Lo. spring rolls cut into smaller pieces

Saturday, January 05, 2008

The Skin of a Chinese Spring Rolls ( Poh Piah)

For sale: 1kg: Rm12.00

Poh Piah (Dialect:Spring rolls) Skin

On one of our weekend trip to Chowrasta market behind Penang Road, I happened to witness how the skin for the delicious spring roll , Chinese Style, was made very efficiently by a couple.

Stage 2: detach the cooked skin from pan ...Stage 3:Put on the table getting ready for sale

Stage 1: With dough in hand, she flipped and placed it on top of the hot pan

Thursday, January 03, 2008

Island Resort,Penang. Malaysia

The Saleman: Obeiliao

After completing the prestigious show unit at Moonlight Bay, my company
launches Island Resort at another site beside Miami Green. Just a stone throw from Moonlight Bay, this project is opened for Ivorian to book at
Birch House. Mr. Alan met me one of the nights and after sitting down and listening to him tentatively in our pantry, I finally decided to look deeply into this project.

Surprisingly a few days later, with more information from the design Architect ,Jarvin and Murly and also our Contract manager, Mei Ling, I felt that I could talk to potential purchaser and try my salesmanship in selling this beautiful Condominium that I will be constructing. At present, we are carrying out the earth work and due to the strict and responsible Geotechnical Engineers we are also doing extra Soil Investigation. Well, you would say that extra required test here and there. Hill slope construction, Don’t Play! Play!

Even before going into Hill Slope construction, my Boss have planned and arranged for us 3 years ago to have our study trip in Hong Kong so that we could learn from Hong Kong Development. The address of the website was noted so that we could learn more when returning back to Penang.

My sister would laugh at me after hearing that I am trying to sell house. She always comments that I could not even lie to anybody!! Well, true and honest presentation plays a very important factor. Apart from this, being a const
ructor, I could better than other people for I could read plans. Yesterday, back at Moonlight Bay, I opened up the preliminary plan of Island Resort and explained thoroughly to the sales staff. What level and height above the sea level and with confirmation from the drawing. Location and direction of the unit were also discussed.

I have been staying in Tanjong Bungah for nearly 51 years and looking at the coastal belt from Tanjong Bungah to Batu Ferringhi, I would truthfully said that it is under full development. This is my first selling point.

The next would be that it is very near to the sea front and the sea that is across the road is gazette as no further development at this time on hand. As quoted by one of our consultant from Gue & Partner.

One of the resident at Miami Green commented that there will be a lot of retired foreigner staying here since Malaysia has opened up the Second Malaysia policy to foreigner. This is true for there are many foreigners staying in Miami Green, neigbour to Island Resort.

And finally the prices are right. I was informed by one the bank officer who is presently staying in Miami Green.

Well as one of the marketing staff was telling me the other day , Obeiliao you are quite good in selling houses. I told her maybe beginner luck and advised her to tell people the facts and let them decide for themselves.