Top 10 New Year's Resolutions

Dear Friends,
New Year's Eve has always been a time for looking back to the past, and more importantly, forward to the coming year. It's a time to reflect on the changes we want (or need) to make and resolve to follow through on those changes. So here’s my top ten list.
1. Spend More Time with Family.
Recent polls shows that more than 50% vow to appreciate loved ones and spend more time with family and friends this year. Work shouldn't always come first!
The evidence is in for fitness. Regular exercise has been associated with more health benefits than anything else known to man. Studies show that it reduces the risk of some cancers, increases longevity, helps achieve and maintain weight loss, enhances mood, lowers blood pressure, and even improves arthritis. In short, exercise keeps you healthy and makes you look and feel better. Why not make this the time to start getting in shape for one of them.  
Over 66 percent of adults are considered overweight or obese by recent studies, so it is not surprising to find that weight loss is one of the most popular New Year's resolutions. Setting reasonable goals and staying focused are the two most important factors in sticking with a weight loss program, and the key to success for those millions who made a New Year's commitment to shed the extra pounds.
4. Quit Smoking
If you have resolved to make this the year that you stamp out your smoking habit, over-the-counter availability of nicotine replacement therapy now provides easier access to proven quit-smoking aids. Even if you've tried to quit before and failed, so don't let it get you down. On average, smokers try about four times before they quit for good. Start enjoying the rest of your smoke-free life
Given the hectic, stressful lifestyles of millions, it is no wonder that "enjoying life more" has become a popular resolution in recent years. It's an important step to a happier and healthier you!
While many people use the New Year as an incentive to finally stop drinking, most are not equipped to make such a drastic lifestyle change all at once. Many heavy drinkers fail to quit cold turkey but do much better when they taper gradually, or even learn to moderate their drinking. If you have decided that you want to stop or reduce drinking, then don’t stop making it your new year’s resolution.
Was money a big source of stress in your life last year? Join the millions of who have resolved to spend this year getting a handle on their finances. It's a promise that will repay itself many times over in the year ahead. Oh yes one more thing, reduce the number of credit cards you carry. This will help.
8. Learn Something New
Have you vowed to make this year the year to learn something new? Perhaps you are considering a career change, want to learn a new language, or just how to fix your computer? Whether you take a course or read a book, you'll find education to be one of the easiest, most motivating New Year's resolutions to keep.
A popular, non-selfish New Year's resolution, volunteerism can take many forms. Whether you choose to spend time helping out at your local library, mentoring a child or helping your colleague, there are many nonprofit volunteer organizations that could really use your help, or if your time is really in short supply, maybe you can at least find it in you to donate the furniture, clothing and other household items that you no longer need, rather than leaving them out by the curb to fill up our landfills.

On just about every New Year resolution top ten list, organization can be a very reasonable goal. Whether you want your home organized enough that you can invite someone over on a whim, or your office organized enough that you can find the stapler when you need it, these tips and resources should get you started on the way to a more organized life.

So here’s wishing you all a prosperous  New Year with good health and happiness.

What is Christmas Cheer?

Posted by Husein Adamally
Being so much immersed into the material world and its civilization, sometimes it is so easy to pass Christmas season without making any sense. This is a good time to begin to ask what really makes Christmas. Thoughts of Christmas, necessarily, are a reflection of an individual’s own experiences as one follows a passage through life. The thoughts of joy and giving seem especially joined at Christmastime.  
Thoughts of joy lead to thoughts of giving. Christmas, in spite of all the efforts of those who would destroy the joy, remains the season of giving.
The spirit of giving, particularly at Christmas, is one of personal fulfillment. It matters not the value of the gift; it is the thought of giving that provides the fulfillment.
Christmas is also a time to celebrate the gift of life to children everywhere.
But how many of you have the Christmas cheer? Spending time with the family, shopping with them, walking around town enjoying the beautiful lights that illuminate everything all around the town, listening to Christmas carols and going to church for midnight mass; are these included in your schedule? Or is it business as usual, late hours at work, business meetings, and deadlines, entertaining clients. Is this life or living? I seriously doubt it. I know many who cannot get away from this stronghold.
I know one family who father work till midnight, mother work late too. The only child in the family spends most of his time with grandparents. They are caught up in the world of money and career. What a pathetic life to live. Is this called family?
Get a reality check; Life is too short to just let it go by.

I know I am definitely blessed by a great wife and two wonderful kids. They make sure they take care of their parents and most of all help the needy. Did you know being generous is an attitude too, so have an attitude of giving.

Many say time is money, but I say time is life, so live it today!
Merry Chirstmas.

Does Motivation Work Miracles For You?

Posted by Hussein Adamally

Dear Friends,

To most of us, motivation means getting revved up when we're bored, bouncing back when we're rejected, or getting psyched up for an important sales call. Motivation means “life” to Morris Goodman. He mastered the art of positive thinking to become a "Top of the Table" member as an estate planner and insurance salesman. Then on March 10, 1981, his motivational goals went from sales to survival when his private plane crashed, leaving him near death. Today, Goodman is the author of The Miracle Man (Prentice-Hall, 1984) and a highly sought-after speaker who travels the world sharing his story with millions of people and teaching his philosophy on goal setting and personal growth and development. He has rebuilt his body - a fact that astounds the medical community - and wants to help others.

Whether you're dealing with a physical tragedy like his, or a sales problem, the following five motivational principles will get you over the rough spots and keep you moving toward a successful future.

Don't be afraid to ask for help. It often opens new doors and offers new opportunities.

1. POSITIVE THOUGHTS BREED POSITIVE ACTION
"Many times my doctors told me that I was being unrealistic to expect full recovery," recalls Goodman. "In fact, they said that maybe I'd eventually be able to sit in a wheelchair - unable to breathe or eat without the aid of machines." But Goodman refused to be SNIOP'd (Susceptible to the Negative Influence of Other People). Instead, he constantly visualized himself as fully recovered. He communicated to everyone that he'd soon be back to his old self again.
Goodman's positive outlook generated the energy to work on and accomplish his goals. If he'd listened to the negative expectations of others, he might still be severely disabled.

2. BE THE FIRST
"My diaphragm was crushed in the accident so everyone said I'd never breathe on my own, no one could breathe without a diaphragm," Goodman explains. "But I kept remembering how no one was supposed to be able to run a mile in less than four minutes until Roger Bannister did it in 1954. Since then, lots of people have done it." Goodman practiced breathing in and out with his respirator until one day he started to breathe on his own. His stomach muscles took over the job of his irreparable diaphragm.

Morris was the first, and he hopes that others will follow. Just because something has never been done doesn't mean that it can't be done.

3. PERSISTENCE PAYS OFF
"Relearning how to walk was an incredibly painful process," says Goodman, as he remembers his atrophied muscles, sense of imbalance, and feelings of defeat. "If I'd quit anywhere along the line, I'd still be in a bed, a wheelchair, or I'd need a walker or crutches. Because I promised myself I'd walk again, I kept at it and it was worth it." Surrounded by signs like "No Pain, No Gain," Goodman never lost sight of his goal to walk on his own.

Falls, pain, and frustration are now memories of the difficult path Goodman took. But his persistence paid off, today he walks around just as you and I do.

4. TAKE ONE GOAL AT A TIME
"Unless you have a plan, a goal to strive for, you end up going around in circles and you get nothing done," notes Goodman, who was deluged with major objectives like breathing, eating, speaking, and walking. "If I'd tried to accomplish everything at once, I'd still be working on most of my goals." Rather than tackle all of his problems, Goodman selected one at a time and committed himself to each one until it was achieved. As he reached each goal, his confidence soared, helping him throughout the next one. By breaking large, long term goals into smaller, short term tasks, you gain momentum and confidence, which motivates you to continue on toward your ultimate goal.

5. WHAT YOU GIVE OUT, YOU GET BACK
"The best motivation is not necessarily self directed," Goodman says. "Often, helping other people feel good or motivating them to meet their goals gives a super boost to your own morale." During his stays in hospitals and rehabilitation centres, Goodman shared his hope and his faith in people with the medical staff and fellow patients. Many of them say that he changed their outlook on life and he expanded their belief in what is "possible." Their positive feedback gives him the motivation to keep going.


                                Whether it's your life or your career that's on the line,
Motivation can work miracles.

WHY WE CELEBRATE BIRTHDAYS.


Do you know why we celebrate birthdays?

This social custom is really an astrological event - one that has been with us for millennia. In fact, birthdays - and the annual observance of these times both as a society and for individuals - is the oldest of celebratory rites, and one that arose in every culture as soon as they had any sort of calendar.
Naturally, the first real calendar has to do with the sun and the moon's position - the fundamental tools of astrologers today.
The ancients celebrated not because some edict said, "celebrate," but because of practical everyday experience, like all astrological lore. The wise men (and women) noticed that when the sun hit the same spot in the heavens (against the zodiac backdrop) that it held on a person's birthday ... well, that day turned out to be extremely fortunate.
Maybe a woman found a husband, a shepherd saved his sheep, a merchant sold his goods or an illness vanished. Plus, people gave to the birthday person instinctively. So presents were bestowed - both from others and from the universe. The wise elders saw this phenomenon happening all the time. And just as most basic astrological information came about based on these days, the astrologer/priests saw that a "pattern" was occurring.
This lucky pattern brought joy, and thus the birthday person wanted to celebrate. His or her friends naturally gave to them (thus the idea of presents) and the birthday celebrant wanted to share his or her pleasure, so a big gathering was held.
That's the reason that we celebrate birthdays today - as a tradition that came about because of repeated observations of luck on this day. The same kind of luck you can have right now.

Savvy astrologer buffs know that starting to do anything of major importance on a birthday has the extra solar boost of a once-a-year infusion of universal good will and luck. So before you celebrate, use this day to your advantage, then in the evening celebrate all the good things you did or set into motion.

Here's a three-part plan for the truly ambitious to use this day:

  1. Decide to ask the universe for one thing this year. Be specific.
  1. Graciously accept gifts and congratulations on this day. (Why? Because you will then set into motion a karmic pattern that intensifies your wish.)     
  1. Spend at least 20 minutes alone, revitalizing your body. That means taking a soothing bath, having a massage or just lying down listening to beautiful music. Remember this is a day to "tune-up" the body just as you'd do for a car after 50,000 miles. Ask your body to repair any mental, physical, emotional or spiritual damage that was done to this amazing vehicle (you!) and you'll make each year better and better.
STYLES OF COMMUNICATION OF THE 12 SIGNS

Each sign of the zodiac has its own way of communicating with the world. The sun sign is the prism through which we see things around us. Since everything in life is influenced by a person's point of view, the sun sign can show how the signs interpret events around them.
Remember there are not value judgments in astrology: Each sign has both strengths and weakness. What this list shows are the obvious choices that a person makes when talking or communicating with others.

Honest, sometimes blunt: Sagittarius, Aries, Aquarius.
Indirect, noncommittal: Taurus, Scorpio, Cancer, Pisces.
Quiet until they know you: Cancers, Scorpios, Pisces, Capricorns.
Witty jokesters: Geminis, Sagittarians, Leos, Virgos.
Shy, unless angry or happy: Taurus, Virgo, Pisces, Cancer.
Smooth-talking: Libras, Geminis, Aries.
Bold conversationalists: Leos, Aquarius, Geminis, Libras.
Great persuaders: Capricorns, Virgos, Scorpios, Geminis.

What Is Leadership?

Hi Friends,

Here’s another piece of advice on leadership.

What is leadership? That’s a question leaders get asked all the time. Often, they respond with a single comment: “Action.” Leadership is action. In its most basic form, leadership involves moving people from one place to another, either physically or figuratively. And if you’re going to get people moving, you’d better be sure you know where you’re headed. You have to make decisions about your desired destination and how you’re going to get there. You need to make the right decisions, you need to make them stick, and you need to accept the consequences.

Why? Because when you lead, you act not just for yourself, but for the benefit of everyone who calls you “leader.” And when you act, you have to communicate. You can make the best decisions in the world, but if others don’t know about them, then both your actions and the results of those actions will likely be ineffective.

Leadership, therefore, involves not only action, but also clear and concise communication.
Here are some ideas on action and communication …

Ø  Just do it! (Thanks, Nike, for giving us one of the best leadership slogans of all time.) A leader doesn’t wait to be told what to do or for others to act first. A leader does whatever it takes to ensure that good things happen for others as well as for the organization.

Ø  AVOID THE BLAME GAME! Leaders look for ways out of problems, not ways to create more. Someone who looks for solutions is a person who wants creative input; someone who looks to place blame is a person looking for a scapegoat.

Ø  Address people issues immediately. Get to the heart of the matter by asking questions. Don’t wait for people problems to fester … they can be poisonous to an organization.

When you make a mistake, admit it! Don’t try to hide it. And if you lose your cool, or snap sharply at someone, be quick to apologize. Rather than detract from your aura as a leader, your honesty will enhance it.

Lead well ... LEAD RIGHT

How To Build Ethics and Integrity Skills in Your Organization

Dear Friends …


Ethics and integrity are commendable, individual and organizational aspirations…but must be followed up with actions. Ethical people are role models who walk their talk. These masters of integrity share similar characteristics.

Think of the most ethical people you know, most likely they:

• They Honor agreements.
• They Earn their good reputation daily.
• They are open in personal and business dealings.
• They are resourceful, loyal and dependable.
• Stand up for what is right and good.
• They do the right thing, even when it is difficult and no one would know otherwise.
• They Tell the truth and take action.

When it comes to individual and organizational ethics, everyone is responsible and … everything counts!

Do You Have Anxiety Issues?

Posted by Hussein Adamally
Hi friends,

I just returned from a trip to South Africa, I have not posted anything for about 5 days, so my apologies. Many are plagued by this topic that I am writing about today. Hope this will help anyone of you who have anxiety issues.

If there’s one thing in life that I’m really good at, it’s worrying. I’d get a gold star for it. Anxiety runs in my family and I often wonder whether it’s in my genes or whether it’s learned behavior. Whichever way you look at it though, I spend a lot of my time fretting about things. This is one of the reasons
Most people experience anxiety in some form or other, and in these uncertain times stress and worry are very much on the increase. But according to statistics, around one in 20 people are now thought to suffer from Generalized Anxiety Disorder (GAD), where negative and anxious thoughts dominate daily life. Doctors dish out anti-depressants as a quick-fix for these problems but this doesn’t provide a long-term solution. Here are some techniques for tackling anxiety that I’ve found to be helpful, and I hope you find them helpful too.
                                                                                                                                                                                                                                                    
1.Breathing exercises 
If you are feeling anxious, a simple way to calm yourself down is through focusing on and regulating your breathing. When we feel nervous the in-breath becomes more dominant than the out-breath, so in order to restore a sense of calm we need to reverse this.
Focus on your breathing and try to breathe in for a count of five and breathe out for a count of five. Don’t worry about the speed at which you’re counting, just keep to a steady pace of five in and five out. Now start to extend the out-breath by holding the exhalation for an extra count of two. Don’t strain, just let the breath settle into a gentle rhythm. As your out-breath becomes longer your relaxation response will begin to take over. The only thing that will take you away from this are your thoughts and imagination. The more you practice this the more you will feel able to gain control of your anxiety.

2.Visualization
Visualization is a powerful tool for calming the mind and reducing feelings of anxiety and nerves. A simple visualization exercise involves conjuring up in your mind an image of a ‘special place’, a place where you feel safe and free from fear. (I’ve used this very exercise during a harrowing visit to the dentist and I can tell you it got me through the ordeal.). Start by closing your eyes and bring to your mind an image of a place where you feel safe and happy. It might be a tropical beach, a meadow, a forest, or even your bed. It’s entirely up to you – just use your imagination. Make the image vivid in your mind by thinking about what you can see, hear, feel and smell. Use your senses to guide you to a state of calmness. Stay in this calm place until you notice that your breathing is more regular and your mind is calmer. When you feel ready, open your eyes and breathe deeply in and out.


3.Mindfulness
Mindfulness is a technique which originates from Buddhist meditation and it’s particularly effective in calming anxiety and focusing the mind. We spend so much of our time worrying about the future or agonizing about the past that we forget to enjoy the present moment. This is where mindfulness comes in as it encourages us to focus on the present without allowing our minds to get caught up in unhelpful thought patterns. Here’s a few ideas you might want to try:

Sit or lie somewhere comfortable and begin scanning through each part of your body, paying attention to all the physical sensations you feel. Start with your toes and move up your legs to your stomach, chest, shoulders, neck and head, gently easing away any tension you notice. Finish by taking a few long, deep breaths. When you are getting ready in the morning, really pay attention to everything you are doing, instead of worrying about what’s coming ahead in the day. When you’re in the shower, focus on the sound of the water and feel the sensation of it washing over your body. Enjoy the feeling of getting clean. When you’re brushing your teeth, focus all your attention on the task. Do the same with getting dressed and making breakfast. Each morning make sure you take five to 10 minutes to be quiet and meditate. Look out of the window, listen to the sounds you can hear and be aware of everything around you. Be aware of the stillness and enjoy the quietening of your mind.

4.Dietary changes
stabilizing your blood sugar is an important factor in keeping anxiety at bay. Nervousness and a rapid heartbeat can often kick in when blood sugar levels become too low. The trick is to eat little and often, aiming for three meals and two snacks per day, and try to eat some protein with every meal. Good sources include fish, chicken, beans, lentils, nuts, seeds, tofu and eggs.


5.Emotional Freedom Technique (EFT)
This is an interesting technique which is based on similar principles to acupuncture in that it addresses imbalances in the body’s energy flow. I must confess I felt a bit silly when I first tried it, but it did help to calm my nerves, which is why I’m sharing a shortened version of it here with you.

The belief is that disturbances to the flow of energy are removed along with the emotional response and anxiety.
If you find yourself getting really anxious about something, try tapping gently five times on each of the following points with the forefinger and middle finger of one of your hands: between your eyebrows; under one of your eyes; under your arm (about two inches lower than your armpit); on the chest (just below the collarbone in the middle, you will find a spongy indentation). Lastly, tap on the outer side of the hand five times. You should begin to feel your breathing regulating.
Good luck and I hope these techniques help you in your anxiety. I’d love to hear any feedback you might have.

Home Is Where The Heart Is.

I have travelled to many countries and stayed at many wonderful Hotels and visited many great places, but wherever I go, for me, there's nothing like home. seeing my family, being with them overpowers me more than anything. I thank the lord for giving me the opportunity to travel around and visit places and meet new people, But I am most gratefully for giving a wonderful family.For me home with my family will always be where my heart will stay.

How to Save Money

Posted by Hussein Adamally
I had numerous requests to write on this topic. Many of my employees who earn substantial monthly incomes are unable to save a penny. They start the month with zero and end the month with the same zero. When they look back on time and analyze on what they have achieved, they find that there is not much to show. Hence I hope this post will help you plan to save for your future.

Saving money is one of those tasks that are so much easier said than done. There's more to it than spending less money (although that part alone can be challenging). How much money will you save, where will you put it, and how can you make sure it stays there? Here's how to set realistic goals, keep your spending in check, and get the most for your money.

1. Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings. Plus, the sooner you pay off debt, the less interest you'll pay, and that money can be saved instead.

  • If you choose to start saving before you completely pay off your debt, however, look into consolidating your debts so that you're not paying as much interest.
  • The only money-saving that should take precedence over getting out of debt is to create an emergency fund (setting aside enough money so that if you lose your income, you can survive for 3-6 months).

2.  Set savings goals. For short-term goals, this is easy. If you want to buy a mobile phone, find out how much it costs; if you want to buy a motor bike, determine how much of a down payment you’ll need. For long-term goals, such as retirement, House you’ll need to do a lot more planning (figuring out how much money you’ll need), and you’ll also need to figure out how investments will help you achieve your goals.

3. Establish a time-frame. For example: "I want to be able to buy a Motor Bike/Car in two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged.

4. Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a Rs 60,000 down payment on a Motor Bike in 12 months (I year years), you’ll need to save about Rs.5,000/- per month every month. But if your paychecks amount to Rs 20,000, it might not be a realistic goal, so adjust your time-frame until you come up with an approachable amount.

5. Keep a record of your expenses. What you save falls between two activities and their difference: how much you make and how much you spend. Since you have more control over how much you spend, it's wise to take a critical look at your expenses. Write down everything you spend your money on for a couple weeks or a month. Be as detailed as possible, and try not to leave out small purchases. Assign each purchase or expenditure a category such as: Rent, Car insurance, Motor Bike/Car payments, Phone Bill, Utilities, Gas, Food, Entertainment, etc.
  • Keep a small notebook with you at all times. Get in the habit of recording every expense and saving the receipts.
  • Sit down once a week with your small notebook and receipts. Record your expenses in a larger notebook or a spreadsheet program.
  • There are also many apps you can download to your phone that will help you keep track of your expenses.

6. Trim your expenses. Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses: Rs.2,500 on Junk Food, Rs.5,000 on Drinking with friends? You’ll likely see some obvious cuts you can make. Depending on how much you need to save, however, you may need to make some difficult decisions. Think about your priorities, and make cuts you can live with. Calculate how much those cuts will save you per year, and you'll be much more motivated to save.

  • Can you move to a less expensive apartment or house?
  • Can you save money on Cigarettes/Alcohol/Junk Food or give up altogether?
  • Can you get a better price on insurance? Call around and make sure you are getting the best price you can.
  • Can you reduce your phone bill, Maybe get a better package and restrict those unnecessary browsing of the net on the phone and reduce on the text messages?
  • Cut Down on un necessary buying of clothes that you may not need. This is called impulse buying.(Buy only what you need)
  • Can you cut down on your utility bills?
  • Can you restrict eating out? Buy food in bulk?? Cook more at home? You might be able to save a lot of money when grocery shopping.

7. Reassess your savings goals. Subtract your expenses (the ones you can't live without) from your take-home income (i.e. after taxes have been taken out). What is the difference? And does it match up with your savings goals? Let's say foe example you've decided you can definitely get by on Rs.15,000/-  per month, and your paychecks amount to Rs.25,000/-  per month. That leaves you with Rs.10,000/-  to save. If there’s absolutely no way you can fit all your savings goals into your budget, take a look at what you’re saving for and cut the less important things or adjust the time-frame. Maybe you need to put off buying a new Motor Bike/car for another year, or maybe you don’t really need a big-screen TV that badly or that Expensive Mobile Phone.

8. Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things. This is especially important for expenses which tend to fluctuate, or which you know you're going to have a particularly hard time restricting. (E.g. "I will only spend Rs.1,000/- on my mobile bill a month ")

9. Stop using credit cards. Pay for everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account because you don't know exactly how much is in there. If you have cash, you can see your supply running low. You can even bundle up the predetermined amount of cash allocated for each expense with a label or keep separate jars for each expense (e.g. a bundle/jar for coffee, another for gas, another for miscellaneous). As you pull money from a jar for that particular expense, you'll see how much remains and you'll also be reminded of your limit.

·         If you need to have credit cards but you don't want the temptation of having them available to use day-to-day, restrict that section of your wallet with a note or picture reminding you of your savings goals.
·         Credit cards are not inherently evil; it's all about your self-control. If you use them responsibly (i.e. completely pay them off every month), you can benefit from them. But the reason most credit card companies make money, however, is because people end up spending money that they don't have. Unless you are one of the people who can religiously pay off the balance in full every month, you're better off foregoing the promotions that credit card companies use to lure you in)

10. Open an interest-bearing savings account. It’s a lot easier to keep track of your savings if you have them separate from your spending money. You can also usually get better interest on savings accounts than on checking accounts (if you get interest on your checking account at all).

11. Pay yourself first. Savings should be your priority, so don’t just say that you’ll save whatever is left over at the end of the month. Deposit savings into an account (or your piggy-bank) as soon as you get paid. An easy, effective way to start saving is to simply deposit 10% of every check in a savings account. If you get a check or sum of cash, Rs.30,000/- take 3,000/- out immediately. This works well and requires little thought; over several years, you've a tidy sum in savings.

  • You can set up an automatic transfer from your checking account to your savings account.
  • Many employers allow you to deduct savings from your paycheck. The money is directly deposited in your savings account so you never even see it on your paycheck.
12. Don't get discouraged and don't give up. You may not think you can become wealthy but to become a millionaire is possible if you set up an aggressive savings plan and stick to it. You may be surprised how much money you can put away for something far more enjoyable than what you could buy with short term savings.

Good things often take time and the longer you save the more interest you will be making on your savings as well!

A lesson in how to frame headlines that grab attention

No disrespect for any clergy or religion. A powerful message with a twist of laughter, just to cheer you up. Hope this will bring a smile on your face. We are sometimes so concerned about what others think about us. Well I hope their is a lesson to be learned from this post. No pun intended either.

A Pastor entered his donkey in a race and it won.
The Pastor was so pleased with the donkey that he entered it in the race again and it won again.
The local paper read:
PASTOR’S ASS OUT FRONT.
The Bishop was so upset with this kind of publicity that he ordered the Pastor not to enter the donkey in another race.
The next day the local paper headline read:
BISHOP SCRATCHES PASTOR’S ASS.
This was too much for the Bishop so he ordered the Pastor to get rid of the donkey.
The Pastor decided to give it to a Nun in a nearby convent.
The local paper, hearing of the news, posted the following headline the next day:
NUN HAS BEST ASS IN TOWN.
The Bishop fainted.
He informed the Nun that she would have to get rid of the donkey so she sold it to a farmer for $10.
The next day the paper read:
NUN SELLS ASS FOR $10.
This was too much for the Bishop so he ordered the Nun to b uy back the donkey and lead it to the plains where it could run wild.

The next day the headlines read:
NUN ANNOUNCES HER ASS IS WILD AND FREE.
The Bishop was buried the next day.
The moral of the story
Being concerned about public opinion can bring you much grief and misery even shorten your life.
So be yourself and enjoy life.
Stop worrying about everyone else’s ass and you’ll be a lot happier and live longer!

Your Attitude - The Whole Truth

Posted by Hussein Adamally
I use this during my Motivation Sessions, I find it very effective. Hope this will help you to understand the true meaning of Attitude.

Cheers


Live Your Life Like It Matters

Posted by Hussein Adamally

Happy week to all of you.

Here are some powerful tips to help you and others to Live Your Life like It Matters:
Choose to be enthusiastic at work today. If you encounter anyone who is being critical or negative, spread some sunshine their way. Your enthusiasm can positively affect others. Misery might love company, but enthusiasm is contagious! Help others catch it!
Challenge yourself to “raise the bar.” Set personal goals to improve your job and the interactions that are a part of your daily routine. Compete against YOU – don’t compare yourself with others or wait for someone else to elevate your performance.
At the end of each day, or project, or week: replay your performance. Take an inventory of what you did well, and what you can do better. Learn from your successes and from those things you didn’t handle that well.  As you consider all your activities, where do you see potential areas of improvement?

Truly effective people wear an invisible sign that reads…

UNDER CONSTRUCTION;
Working to be better today than yesterday – and better tomorrow than today!

20 Great Ways to Find More Free Time

Posted by Hussein Adamally
Are there a hundred different things you wish you could do with your life someday  anything from exercising to meditation or yoga to writing that novel you always wished you could write to reading more to relaxing and watching the sunrise? But perhaps you never have the time, like most people.
The truth is, we all have the same amount of time, and its finite and in great demand. But some of us have made the time for doing the things we love doing, and others have allowed the constant demands and pressures and responsibilities of life to dictate their days.
It’s time to move from the second group back into the first. Reclaim your time. Create the life you want and make the most of the free time you lay claim to. It’s not hard, though it does take a little bit of effort and diligence.

Not all of these will be applicable to your life choose the ones you can apply and give them a try:
1.     Take a time out. Freeing up your time starts with taking a step back to take a good look at your life. You need to block off at least an hour. Several hours or half a day is better. A whole day would be awesome. A weekend would be even more ideal, though not necessary practical for many folks. With this block of time, take a look at your life with some perspective. Is it what you’ve always wanted? How would you get to where you’ve always wanted to be? What do you enjoy doing, but don’t have enough time to do? What things actually fill up your day? Are there things you could drop or minimize to make more time? Well look at some of these things in the following items, but it starts with taking a time out to think and plan.
2.     Find your essentials. What is it that you love to do? Make a short list of 4-5 things. These are the things you want to make room for.
3.     Find your time-wasters. What do you spend a lot of your time on that isn’t on your essential list? Take a close look at these things and really think about whether they’re necessary, or if there are ways to reduce, minimize or eliminate these things. Sometimes you do things because you assume they’re necessary, but if you give it some thought you can find ways to drop them from your life. Figure out what you do simply to waste time maybe surfing certain sites, watching TV, talking a lot at the water cooler, etc. You’re going to want to minimize these time-wasters to make room for the more important stuff, the stuff that makes you happy and that you love to do.
4.     Schedule the time. As you sit down and think about your life and what you want to do, versus what you actually do, you will be looking at ways to free up time. It’s crucial that you take a blank weekly schedule (you can just write it out on a piece of paper, or use your calendar) and assign blocks for the things you love the stuff on your essentials list. If you want to exercise, for example, when will you do it? Put the blocks of time on your schedule, and make these blocks the most important appointments of your week. Schedule the rest of your life around these blocks.
5.     Consolidate. There are many things you do, scattered throughout your day or your week that you might be able to consolidate in order to save time. A good example is errands instead of running one or two a day, do them all in one day to save time and gas. Another example is email, or any kind of communication  batch process your email instead of checking and reading and responding throughout the day. Same thing with meetings, paperwork, anything that you do regularly.
6.     Cut out meetings. This isn’t possible for everyone, but in my experience meetings take up a lot of time to get across a little information, or to make easy decisions that could be made via email or phone. As much as you can, minimize the number of meetings you hold and attend. In some cases this might mean talking to your boss and telling her that you have other priorities, and asking to be excused. In other cases this might mean asking the people holding the meeting if you can get the info in other ways. If so, you’ve saved yourself an hour or so per meeting (sometimes more).
7.     De clutter your schedule. If you have a heavily packed schedule, full of meetings and errands and tasks and projects and appointments, you’re going to want to weed it out so that its not so jam-packed. Find the stuff that’s not so essential and cancel them. Postpone other stuff. Leave big blank spaces in your schedule.
8.     Re-think your routine. Often we get stuck in a routine that’s anything but what we really want our days to be like. Is there a better way of doing things? You’re the creator of your life  make a new routine that’s more pleasant, more optimal, more filled with things you love.
9.     Cut back on email. I mentioned email in an earlier point above, regarding consolidating, but it’s such a major part of most people’s lives that it deserves special attention. How often do you check email? How much time do you spend composing emails? If you spend a major part of your work day on email, as many people do (and as I once did), you can free up a lot of time by reducing the time you spend in email. Now, this won’t work for everyone, but it can work for many people: choose 2-3 key times during the day to process your inbox to empty, and keep your responses to 5 sentences.
10.  Learn to say no. If you say yes to every request, you will never have any free time. Get super protective about your time, and say no to everything but the essential requests.
11.  Keep your list to 3. When you make out your daily to-do list, just list the three Most Important Tasks you want to accomplish today. Don’t make a laundry list of tasks, or you’ll fill up all your free time. By keeping your task list small, but populated only by important tasks, you ensure that you are getting the important stuff done but not overloading yourself.
12.  Do your Biggest Rock first. Of the three Most Important Tasks you choose for the day, pick the biggest one, or the one you’re dreading most, and do that first. Otherwise you’ll put that off as much as possible and fill your day with less important things. Don’t allow yourself to check email until that Big Rock is taken care of. It starts your day with a sense of major accomplishment, and leaves you with a lot of free time the rest of the day, because the most important thing is already done.
13.  Delegate. If you have subordinates or coworkers who can do a task or project, try to delegate it. Don’t feel like you need to do everything yourself. If necessary, spend a little time training the person to whom you’re delegating the task, but that little time spent training will pay off in a lot of time saved later. Delegating allows you to focus on the core tasks and projects you should be focusing on.
14.  Cut out distractions. What is there around your workspace that distracts you from the task at hand? Sometimes its visual clutter or papers lying around that call for your attention and action, or email or IM notifiers on your computer that pops up at the wrong time, or the phone, or coworkers. See if you can eliminate as many of these as possible the more you can focus, the more effective you’ll be and the less time you’ll waste. That equals time saved for the good stuff.
15.  Disconnect. The biggest of distractions, for most people, is the Internet. My most productive times are when I’m disconnected from the grid. Now, I’m not saying you need to be disconnected all the time, but if you really want to be able to effectively complete tasks, disconnect your Internet so you can really focus. Set certain times of the day for connectivity, and only connect during those periods.
16.  Outsource. If you can’t delegate, see if you can outsource. With the Internet, we can connect with people from all over the world. I’ve outsourced many things, from small tasks to checking email to legal work to design and editing work and more. That allows me to focus on the things I’m best at, the things I love doing, and saves me a lot of time.
17.  Make use of your mornings. I find that mornings are the absolute best times to schedule the things I really want to do. I run, read and write in the mornings three of the four things on my Essentials List (spending time with family is the other thing on the list). Mornings are great because your day hasn’t been filled with a bunch of unscheduled, demanding, last-minute tasks that will push back those Essentials. For example, if you schedule something for late afternoon, by the time late afternoon rolls around, you might have a dozen other things newly added to your to-do list, and you’ll put off that late-afternoon Essential. Instead, schedule it for the morning, and it’ll rarely (if ever) get pushed back.
18.  The Golden Right-after-work Time. Other than mornings, I find the time just after work to be an incredible time for doing Essential things. Exercise, for example, is great in the 5-oclock hour, as is spending time with family, or doing anything else relaxing.
19.  Your evenings. The time before you go to bed is also golden, as it exists every single day, and its usually completely yours to schedule. What do you want to do with this time? Read? Spend time with your kids? Work on a hobby you’re passionate about? Take advantage of this time.
20.   Lunch breaks. If the three golden times mentioned above don’t work for you, lunch breaks are another good opportunity to schedule things. Some people like to exercise, or to take quiet times, during their lunch breaks. Others use this time to work on an important personal goal or project.