To those who haven't read this.
Father: I want you to marry a girl of my choice
Son: 'I will choose my own bride!'
Father: 'But the girl is Bill Gates's daughter.'
Son: 'Well, in that case...ok'
Next Father approaches Bill Gates.
Father: 'I have a husband for your daughter.'
Bill Gates: 'But my daughter is too young to marry!'
Father: 'But this young man is a vice-president of the World Bank.'
Bill Gates: 'Ah, in that case...ok'
Finally Father goes to see the president of the World Bank.
Father: 'I have a young man to be recommended as a vice-president.'
President: 'But I already have more vice- presidents than I need!'
Father: 'But this young man is Bill Gates's son-in-law.'
Presiden t: 'Ah, in that case...ok'
This is how business is done!!
Moral:
Even If you have nothing, You can get Anything. But your
attitude should be positive
Tuesday, December 9, 2008
Friday, December 5, 2008
How To Use Your Credit Card Wisely
Credit card is very common nowadays. It is now equivalent to money and you could just buy anything you want. You can even own more than one credit card as long as the lenders approve your application. However, it can also bring problems if you can't handling your finances well. Remember you are borrowing money from a lender. You are using your future money. You are not using it for free. There are interest charges you have to pay every month.
Here are some ways on how to manage your credit card. First, you should always bear in mind the reason of having the card. It is only used in times when cash seems tight, right? Always keep in mind to use it only for emergencies. The very purpose of the tool is to make you live a somewhat comfortable life where your basic needs and wants will be provided. But you should always know your credit limit so you can continue using it. Remember, it is not a magic card. You have to pay back every month.
Second, choose the right credit card company. There are various financial institutions offering credit cards. The interest is somewhat the same but there are some offering just a little bit lower than the other companies. You may try to re-negotiate with your card company for a lower interest rate. It won't hurt you if you try- it will be advantageous to you. Some people are experiencing financial trouble because of high interest rates. You don't want to be in their shoes I suppose. With lower interest rate, you could save a lot of money. The extra cash can be used for your other everyday expenses.
Third, if you afford to buy certain things in cash than credit, do so. It is better to pay in cash than credit. In cash purchases, you can actually track down the amount of money that went out of your pocket. In this way, you'll be thinking twice before splurging on things you saw on stores. You can feel the 'pain'. Paying in cash also teaches you to be thrifty on your spending. You will not be tempted to some extra expenses beyond your budget.
Fourth, make a monthly budget. The budget will enable you to know your expenses. And you must stick to the planned budget. Making a budget can help you control your spending. You won't be able to use your card much often if you could manage your finances well. The monthly payment will not be burdensome and you can pay right on time.
Lastly, pay your credit card bil on time so that it will not accumulate your credits. If you have available cash, it is better to pay an amount higher than the minimum. Credit card is now a very powerful tool that you can have.
It is good or bad to have a credit card is depending on how you use it.
Happy spending and saving wisely.
Here are some ways on how to manage your credit card. First, you should always bear in mind the reason of having the card. It is only used in times when cash seems tight, right? Always keep in mind to use it only for emergencies. The very purpose of the tool is to make you live a somewhat comfortable life where your basic needs and wants will be provided. But you should always know your credit limit so you can continue using it. Remember, it is not a magic card. You have to pay back every month.
Second, choose the right credit card company. There are various financial institutions offering credit cards. The interest is somewhat the same but there are some offering just a little bit lower than the other companies. You may try to re-negotiate with your card company for a lower interest rate. It won't hurt you if you try- it will be advantageous to you. Some people are experiencing financial trouble because of high interest rates. You don't want to be in their shoes I suppose. With lower interest rate, you could save a lot of money. The extra cash can be used for your other everyday expenses.
Third, if you afford to buy certain things in cash than credit, do so. It is better to pay in cash than credit. In cash purchases, you can actually track down the amount of money that went out of your pocket. In this way, you'll be thinking twice before splurging on things you saw on stores. You can feel the 'pain'. Paying in cash also teaches you to be thrifty on your spending. You will not be tempted to some extra expenses beyond your budget.
Fourth, make a monthly budget. The budget will enable you to know your expenses. And you must stick to the planned budget. Making a budget can help you control your spending. You won't be able to use your card much often if you could manage your finances well. The monthly payment will not be burdensome and you can pay right on time.
Lastly, pay your credit card bil on time so that it will not accumulate your credits. If you have available cash, it is better to pay an amount higher than the minimum. Credit card is now a very powerful tool that you can have.
It is good or bad to have a credit card is depending on how you use it.
Happy spending and saving wisely.
Wednesday, May 14, 2008
10 Powerful Tips To Improve Self Confidence
If you find yourself feeling like you're "in a rut" and not appreciating yourself as much as you should, there are simple changes you can make to improve self-confidence and take charge of your life again. Confidence affects every area of life, from relationships to the workplace. And improving your self-confidence will always have a beneficial effect on both your relationships with others, and your ability to handle the little ups and downs that life can throw at us from time to time.
The following 10 tips have proven time and again to improve self-confidence for a wide variety of people.
1. Clothes Make the Man and Woman.
Yes, it's an old cliche', but that doesn't make it any less true. When we dress confidently, we feel confident. Try this experiment: for one week, dress like the person you want to be, NOT the person you think you are. This one is simple change can dramatically improve self-confidence.
2. Stop Trying so Hard.
Improving confidence should not be about struggling. Give up trying to be a perfectionist, and give yourself permission to be a human being who will naturally make mistakes sometimes. A sure-fire way to feel inferior is to set the bar too high in every area of your life. Cut yourself some slack -- you deserve it.
3. Focus Your Attention Outward.
Lack of confidence often causes people to focus an inordinate amount of attention inward, on the "self." Make it a point to focus more attention on others than you do on yourself. Remember, confident people focus outward -- insecure people focus inward.
4. Avoid Energy Vampires.
All of us know someone who seems to "suck the energy" out of a room just by entering. Give yourself permission to minimize contact with these people. Don't hate them or judge them in any way. Just recognize that they do not improve the quality of your life, and minimize your connection with them.
5. Take a Chance.
Try something new and different that you may have been apprehensive about in the past. Enroll in an adult education class, or join a book club, gym, performing arts or other social pastime. Shake up your life a little bit. The change will do you good, and your self-confidence will improve.
6. Be a Giver.
There is an old proverb that says "you only get what you give." With that in mind, start giving what you want to receive in life. Make other people feel as confident and worthwhile as you can. By helping to build up confident feelings in others, you are sure to get back the same thing. Call it karma or what ever you like -- it always works.
7. Practice Forgiveness.
Many people are very hard on themselves because, deep down, they have not forgiven themselves for something in their past. If you're clinging to some failure or transgression from the past, recognize that you are doing it and then forgive yourself completely for whatever it was. Likewise, if there is someone else in your life you need to forgive, make it a point to do so. NOT for their sake -- but for yours. When we forgive, we purify our heart and start anew.
8. Affirmations: Ask Yourself the Right Questions.
Some people repeat affirmations such as "I am self confident," which is fine, but you can improve your affirmation results by using leading questions such as, "why am I so confident?" The subconscious mind operates in a very simple manner. When you ask it a question like this, it will immediately go to work looking for the answer, and it will report back to you all of the ways you already are confident.
9. "Model" Other Confident People.
One way to improve self-confidence is to model the behavior of people whom you consider to be supremely confident. If you can befriend a very confident person, that's great. But if not, just find an actor or other celebrity who is confidence personified, and study their behavior. Do this several times a week, and some of their confident mannerisms are bound to rub off on you.
10. Practice Gratitude.
A grateful mind is a peaceful mind, and a peaceful mind radiates confidence. Practice making a daily gratitude list, and particularly focus on different aspects of yourself that you appreciate. Maybe you are a great swimmer, or good at math, or really strong, or a good dancer, or have an unusual sense of humor, or are good at design, or a great singer, or a really good friend, or any number of other positive attributes. Look for what is great about you, and then be grateful you have those qualities. Appreciating your good qualities will improve self-confidence, and help you develop the kind of positive self-image that is crucial to success in life.
The following 10 tips have proven time and again to improve self-confidence for a wide variety of people.
1. Clothes Make the Man and Woman.
Yes, it's an old cliche', but that doesn't make it any less true. When we dress confidently, we feel confident. Try this experiment: for one week, dress like the person you want to be, NOT the person you think you are. This one is simple change can dramatically improve self-confidence.
2. Stop Trying so Hard.
Improving confidence should not be about struggling. Give up trying to be a perfectionist, and give yourself permission to be a human being who will naturally make mistakes sometimes. A sure-fire way to feel inferior is to set the bar too high in every area of your life. Cut yourself some slack -- you deserve it.
3. Focus Your Attention Outward.
Lack of confidence often causes people to focus an inordinate amount of attention inward, on the "self." Make it a point to focus more attention on others than you do on yourself. Remember, confident people focus outward -- insecure people focus inward.
4. Avoid Energy Vampires.
All of us know someone who seems to "suck the energy" out of a room just by entering. Give yourself permission to minimize contact with these people. Don't hate them or judge them in any way. Just recognize that they do not improve the quality of your life, and minimize your connection with them.
5. Take a Chance.
Try something new and different that you may have been apprehensive about in the past. Enroll in an adult education class, or join a book club, gym, performing arts or other social pastime. Shake up your life a little bit. The change will do you good, and your self-confidence will improve.
6. Be a Giver.
There is an old proverb that says "you only get what you give." With that in mind, start giving what you want to receive in life. Make other people feel as confident and worthwhile as you can. By helping to build up confident feelings in others, you are sure to get back the same thing. Call it karma or what ever you like -- it always works.
7. Practice Forgiveness.
Many people are very hard on themselves because, deep down, they have not forgiven themselves for something in their past. If you're clinging to some failure or transgression from the past, recognize that you are doing it and then forgive yourself completely for whatever it was. Likewise, if there is someone else in your life you need to forgive, make it a point to do so. NOT for their sake -- but for yours. When we forgive, we purify our heart and start anew.
8. Affirmations: Ask Yourself the Right Questions.
Some people repeat affirmations such as "I am self confident," which is fine, but you can improve your affirmation results by using leading questions such as, "why am I so confident?" The subconscious mind operates in a very simple manner. When you ask it a question like this, it will immediately go to work looking for the answer, and it will report back to you all of the ways you already are confident.
9. "Model" Other Confident People.
One way to improve self-confidence is to model the behavior of people whom you consider to be supremely confident. If you can befriend a very confident person, that's great. But if not, just find an actor or other celebrity who is confidence personified, and study their behavior. Do this several times a week, and some of their confident mannerisms are bound to rub off on you.
10. Practice Gratitude.
A grateful mind is a peaceful mind, and a peaceful mind radiates confidence. Practice making a daily gratitude list, and particularly focus on different aspects of yourself that you appreciate. Maybe you are a great swimmer, or good at math, or really strong, or a good dancer, or have an unusual sense of humor, or are good at design, or a great singer, or a really good friend, or any number of other positive attributes. Look for what is great about you, and then be grateful you have those qualities. Appreciating your good qualities will improve self-confidence, and help you develop the kind of positive self-image that is crucial to success in life.
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