Did you always have a goal to front-load your savings?
Yes. I want to retire when I am still young enough to travel, hike and body surf. It was a race for me to put a large amount away so that I could enjoy it. I knew that if I got it in early, it could grow.
You've been in practice for 14 years. Why the big push for the past eight?
During the tech bubble, I put every cent into Cisco and other tech stocks. Within two years, I had accumulated $300,000, while I was living on about $35,000 a year. I went on vacation and came back to find that my $300,000 was worth $10,000 because the bubble had burst. So I started over at age 41.
How did you make it happen?
As a resident physician, you get paid about $26,000 a year for four years. Then when you're in practice, you start making big money. My first job paid $220,000 a year, so I had all this money coming in, but I didn't feel like I needed that much. I live in a small bungalow and drive a Chrysler PT Cruiser. I decided to live on what I was making before and just pay myself a little bit more each year. It would seem like a pay raise but still allow me to put a lot away for retirement.
In at least two of the past eight years, you contributed more than $250,000 to retirement savings. How did you do that?
Until recently I worked as a navy contractor, and I was basically self-employed, so I was able to save more money in tax-deferred retirement accounts than the average employee. In addition to funding my 401(k) account, I established a traditional defined-benefit pension plan for my business, which allowed me to contribute as much as $240,000 in one year. I used any excess money to pay down my mortgage or to add to personal savings and my IRA.
How do you manage your money?
I used to keep all my money with a Merrill Lynch manager, who invested it in mutual funds. The approach was diversified, but he wasn't as aggressive as I wanted to be. Three years ago, I diversified my money managers as well, and I split the money in the defined-benefit plan in half. My guy at Merrill Lynch invests in mutual funds with half of the money, and I have a guy at Schwab who invests in stocks with the other half. It has given me peace of mind that I'm not basing my future on one person's decisions or one company's philosophy.
How did you learn to be so disciplined?
My parents were very good with money and taught my brothers and me to be responsible. At age 14, we were required to get a job and budget our money. We budgeted for clothing, college, and room and board (which went into a college account), and we kept 20%. My family instilled good financial sense in me — your salary is for day-to-day expenses, and anything to play with, you work extra for. I don't borrow, except for my mortgage, and I pay my credit cards off every month.
What is your best advice for savers?
Save first and pay yourself later. If you pay yourself first and then try to save, your standard of living will always adjust up to what you're making, and you're not going to have money left to put in savings. Figure out a goal and what you need to save for that, and then keep the rest.
Now that you've saved so much, what's next?
Although I want to have the money to retire locked up by age 50, the savings habit is so ingrained in me that I'll probably just keep saving the way I have been and look at retiring early and getting out of the rat race. I plan on having a second career in retirement, something to get up to do every day, but without the responsibilities of being a physician. I'd be happy living a more comfortable lifestyle, although not a rich one. Still, I've always said that when I turn 50, I'll buy a doctor's car — a BMW or a Mercedes.
Copyrighted, Kiplinger Washington Editors, Inc.
Sunday, March 20, 2011
Thursday, October 21, 2010
How to Be a Millionaire by Age 25
From the Yahoo News. Here is an advice from people who made their first million before their age of 25
Michael Dell
Age now: 45
Title/Company: Founder and CEO, Dell Computers
Made his first million by age: 19
His advice for young entrepreneurs: "You've got to be passionate about it," he said in an interview with the Academy of Achievement.
"I think people that look for great ideas to make money aren't nearly as successful as those who say, 'Okay, what do I really love to do? What am I excited about?' "
Catherine Cook
Age now: 20
Title/Company: Founder, myyearbook.com
Made her first million by age: 18
Her advice for young entrepreneurs: "Stop just thinking about it, and make it happen.
When you're young is the best time to start your own business, as you do not have the responsibilities you will have when you're older. The worst that can happen if you fail now is that you have firsthand experience to make your next venture a success."
Sean Belnick
Age now: 23
Title/Company: Founder, BizChair.com
Made his first million by age: 16
His advice for young entrepreneurs: "It is never too early to start. I started when I was 14.There was a lot of great information on the Internet. Just do the research and find a way to do what you want to do."
Juliette Brindak
ge now: 21
Title/Company: Cofounder/CEO, MissOandFriends.com
Made her first million by age: 19 (Brindak won't divulge when she earned her first million, but says that her company was valued at $15 million when she was 19)
Her advice for young entrepreneurs:: Find a solid support team who believe in your idea. "If someone starts to doubt your company and what you're doing, you need to get rid of them."
Matt Mickiewicz
Age now: 27
Title/Companies: Founder, Sitepoint, 99 Designs and Flippa
Made his first million by age: 22
His advice for young entrepreneurs: "People who say it takes money to make money are using the worst excuse ever. . . Create massive value for others by providing a solution where no other exists."
Michael Dell
Age now: 45
Title/Company: Founder and CEO, Dell Computers
Made his first million by age: 19
His advice for young entrepreneurs: "You've got to be passionate about it," he said in an interview with the Academy of Achievement.
"I think people that look for great ideas to make money aren't nearly as successful as those who say, 'Okay, what do I really love to do? What am I excited about?' "
Catherine Cook
Age now: 20
Title/Company: Founder, myyearbook.com
Made her first million by age: 18
Her advice for young entrepreneurs: "Stop just thinking about it, and make it happen.
When you're young is the best time to start your own business, as you do not have the responsibilities you will have when you're older. The worst that can happen if you fail now is that you have firsthand experience to make your next venture a success."
Sean Belnick
Age now: 23
Title/Company: Founder, BizChair.com
Made his first million by age: 16
His advice for young entrepreneurs: "It is never too early to start. I started when I was 14.There was a lot of great information on the Internet. Just do the research and find a way to do what you want to do."
Juliette Brindak
ge now: 21
Title/Company: Cofounder/CEO, MissOandFriends.com
Made her first million by age: 19 (Brindak won't divulge when she earned her first million, but says that her company was valued at $15 million when she was 19)
Her advice for young entrepreneurs:: Find a solid support team who believe in your idea. "If someone starts to doubt your company and what you're doing, you need to get rid of them."
Matt Mickiewicz
Age now: 27
Title/Companies: Founder, Sitepoint, 99 Designs and Flippa
Made his first million by age: 22
His advice for young entrepreneurs: "People who say it takes money to make money are using the worst excuse ever. . . Create massive value for others by providing a solution where no other exists."
Monday, August 9, 2010
Climb
When you try to Climb to the top, you will meet the people who give you a hand and also you will meet the people who push you down. When you meet the people that who push you down, all you need to do is just to avoid them. because they love the place where they are and they don't want you to take their place. Other hand they also admit that they don't want to go further up to reach to the top. You both has different goal. Just ignore them and keep on climbing....
Tuesday, June 1, 2010
How to Relest the Unwanted Stress
Here is a topic that is talked about by many, but is treated as being highly under-rated, usually ignored and sneered at by non-believers. Most people do not like to admit to defeat and will continuously push themselves to their limit. In hindsight they presume themselves to be emotionally, mentally and physically strong enough to endure any challenge or to overcome any obstacle or hardship thrown in their path. And yes, we have been blessed with superb physiology that confronts and deals with most difficulties. Unfortunately, in these modern times, with our fast-paced lifestyles and high expectations, we can become overburdened with insurmountable amounts of pressure.
Stress is rearing its ugly head in many different ways. There are a multitude of factors that can promote stressors, such as job insecurity or job dis-satisfaction, moving residence, death of a loved one, starting a new job or position, losing a job, first day at school, public speaking, writing an exam, pregnancy, peer pressure, keeping up to the Jones, doing or learning something beyond your comfort level or even something as simple as going to the dentist. When you find yourself in a predicament that is uncomfortable, you will usually feel a knot rising in your stomach. How it affects your body is actually much more complex and if ignored over a prolonged period of time, it can lead to serious health issues.
When stressors are present, they activate your nervous system. Your hypothalamus, which maintains your body's autonomic nervous system (or bodily functions that operate without your awareness) starts signalling your adrenal glands to produce more adrenaline and cortisol and releases these hormones into your bloodstream. Because of the influx in hormones, your heart rate, breathing rate, blood pressure and metabolism all speed up. At the same time, your blood vessels open wider allowing more blood flow to large muscle groups, which puts your muscles on alert. You experience increased stomach acid, increased cholesterol and as well, your pupils dilate to improve vision, your liver increases your body's energy by releasing stored sugar and more sweat is produced to cool your body.
These physical changes prepare you to react quickly and effectively in order to handle the pressure at that moment in time and normally your body can perform well while under pressure, but if stressors create over-reaction or if your body fails to return to its natural status quo, then this can lead to further complications. Unfortunately too much of a good thing can become disastrous. If you are overloaded with stress over an extended period of time you may feel dis-oriented, overwhelmed, flighty, scattered or unbalanced. Or even worse, it can weaken your immune system, overwork your internal organs, deplete your energy and lead to chronic illness or disease.
Stress can be indicated by many types and stages of warning signs. In the early stages, warning signs may show as insomnia or sleep disturbance, boredom, crying spells, arguing, decreased appetite, constipation or diarrhea, lack of sex drive, mild depression, procrastination, increased colds/flu, headaches, dis-interest in hobbies or sports once enjoyed, rigidity and inflexible thinking or behaviour, fatigue, marital, work or relationship discord and ulcers. If left undetected or ignored until later stages, then stress will create further damage which may show as asthma, heart conditions, severe depression, migraines, muscle or joint pain/stiffness, change of marital status, change of job, complete withdrawal from social or enjoyable events, forgetfulness, suicidal tendencies, uncontrolled rage or temperament, chronic fatigue syndrome, loss of self-esteem, lack of self-confidence, accident prone, overly agitated or an inability to maintain personal daily life.
If you suspect that you are suffering from the warning signs of stress, it is best to see your medical physician for further examination, analysis and treatment. But also be aware that overcoming the adverse effects of stress is not necessarily healed by popping medications. You will have a much better chance to restore healthy balance, mind-body-spirit, by combining your medical treatment plan to coincide with changes in your attitude, thinking and lifestyle patterns.
To release unwanted stress, the solution is to learn how to keep stress managed to your comfort level or better still, try to avoid it as much as possible. Stress-management is about learning how to welcome and deal with daily challenges, whether regarded as good or bad and to do this regularly, not just when you are in the pressure cooker mode. If you learn how to de-stress and simply keep yourself in a calm frame of mind, this can help you move through challenging circumstances. Here are different ways to help you keep stress under control.
1. Ask for help: Be aware that you cannot, nor are you expected to, know and do everything. Accept the fact that each person has limits and sometimes we need to help each other.
2. Avoid over-scheduling: Only be involved or do activities that are of interest and most important to you.
3. Avoid perfectionism: Be realistic, accept and realize that nobody is perfect, so don't expect you or others to be perfect.
4. Be Resilient. Try to go with the flow and resist trying to over-control a situation, person or circumstances. When you remain calm and cool under pressure you are better able to handle problems as they arise, because you maintain clearer focus. But building your resilience takes practice and patience by developing a positive attitude and behaviour in these different areas, so remember to....
1. Welcome change as a challenge and allow it to be part of your normal life
2. View obstacles or setbacks as a being temporary and believe that all will be solved for the highest good for all concerned
3. As each problem or roadblock arises, take the time to be pro-active in solving the dilemma in a peaceful manner
4. Surround yourself with strong, loving, positive-thinking, supportive friends and family
5. Ask your supportive friends and family for help when needed, but avoid becoming co-dependent
6. Enjoy yourself, have fun, relax, remain humble and always show gratitude
5. Break down your problems: Instead of becoming overwhelmed by trying to solve a huge problem all at once, learn to break it into smaller segments or categories, so that you feel a sense of control. Then calmly look at each category one by one, evaluate your options, list pros and cons, look at the bigger picture to assess how it affects your future before arriving at a conclusion. By learning this strategy you will build inner confidence and this in turn will reduce unnecessary stress. Avoid ignoring the problem altogether, because ignorance is not bliss and the problem won't magically disappear. Instead, it will remain unsolved, which will only add to your plate of stress and increase your lack of control.
6. Exercise: Maintain a daily exercise routine to strengthen your muscles and cardio-vascular system. Exercise also stimulates your lymphatic system to releases waste/toxins from your body, increases blood flow to your brain and circulates energy throughout your entire system.
7. Honour your body: Avoid abusing your body through excess use of drugs, alcohol, over-eating, smoking or over-indulgence of junk foods.
8. Maintain proper sleep: This keeps you better equipped, mentally and physically, by providing increased clarity and focus when dealing with stressors. If necessary, rejuvenate by taking short ten or fifteen minute power naps during the day.
9. Monitor your thinking: All thoughts are energy, all action follows a thought; therefore, you control your reality in which your outlook, attitude and re-actions influence your life. Energy attracts the same frequency vibration, so what you think, you will get or attract; therefore, be very careful what you think or wish for.
10. Nutrition: Eat a balanced variety of nutritious foods, drink eight, eight-ounce glasses of water, reduce fats and sugar and supplement with additional vitamins and minerals.
11. Relax: This creates calmness and a sense of well-being. So the next time you feel yourself tense up, breathe slowly, deeply and evenly until you feel calmer. Your body's chemical imbalances can be reversed or greatly improved simply by relaxing. You can learn to relax through doing such activities such as: walking, simple 1-2-3-4 breathing exercises, meditation, visualizations, music, reading, painting, enjoyable hobbies, a relaxing bath, massage, Reiki, reflexology; the list goes on. It is important to find what works for you.
An important key for releasing unwanted stress and increasing your over-all success, is to regard each challenge as a golden opportunity for spiritual growth and a means to learn valuable lessons. Then regard stressors as just temporary problems or hiccups. You cannot eliminate stress altogether, otherwise you would have no motivation to do anything worthwhile or constructive; therefore you would experience no personal growth. But moderate amounts of good stress will induce you to make sensible, achievable goals, monitor your growth progress, allow yourself time for relaxation and enjoyment, remain optimistic, believe in your capabilities, plus make positive choices to live your life to its fullest potential.
One final word of advice.... refuse to allow stress to control or dominate you; instead, make the effort to learn how to control and tame it.
About the Author
This article was written by Margaret Jang, who has been channelling inspirational guidance/teachings from Spirit, in poetry format since 2002. Margaret is a healing facilitator for Reiki & gemstone therapy and is also an instructor offering courses and workshops for Reiki, gemstone healing & psychic/soul development. She resides in Vancouver, BC and may be contacted at www.onesourcelearn.com or phone 604-879-7201.
Stress is rearing its ugly head in many different ways. There are a multitude of factors that can promote stressors, such as job insecurity or job dis-satisfaction, moving residence, death of a loved one, starting a new job or position, losing a job, first day at school, public speaking, writing an exam, pregnancy, peer pressure, keeping up to the Jones, doing or learning something beyond your comfort level or even something as simple as going to the dentist. When you find yourself in a predicament that is uncomfortable, you will usually feel a knot rising in your stomach. How it affects your body is actually much more complex and if ignored over a prolonged period of time, it can lead to serious health issues.
When stressors are present, they activate your nervous system. Your hypothalamus, which maintains your body's autonomic nervous system (or bodily functions that operate without your awareness) starts signalling your adrenal glands to produce more adrenaline and cortisol and releases these hormones into your bloodstream. Because of the influx in hormones, your heart rate, breathing rate, blood pressure and metabolism all speed up. At the same time, your blood vessels open wider allowing more blood flow to large muscle groups, which puts your muscles on alert. You experience increased stomach acid, increased cholesterol and as well, your pupils dilate to improve vision, your liver increases your body's energy by releasing stored sugar and more sweat is produced to cool your body.
These physical changes prepare you to react quickly and effectively in order to handle the pressure at that moment in time and normally your body can perform well while under pressure, but if stressors create over-reaction or if your body fails to return to its natural status quo, then this can lead to further complications. Unfortunately too much of a good thing can become disastrous. If you are overloaded with stress over an extended period of time you may feel dis-oriented, overwhelmed, flighty, scattered or unbalanced. Or even worse, it can weaken your immune system, overwork your internal organs, deplete your energy and lead to chronic illness or disease.
Stress can be indicated by many types and stages of warning signs. In the early stages, warning signs may show as insomnia or sleep disturbance, boredom, crying spells, arguing, decreased appetite, constipation or diarrhea, lack of sex drive, mild depression, procrastination, increased colds/flu, headaches, dis-interest in hobbies or sports once enjoyed, rigidity and inflexible thinking or behaviour, fatigue, marital, work or relationship discord and ulcers. If left undetected or ignored until later stages, then stress will create further damage which may show as asthma, heart conditions, severe depression, migraines, muscle or joint pain/stiffness, change of marital status, change of job, complete withdrawal from social or enjoyable events, forgetfulness, suicidal tendencies, uncontrolled rage or temperament, chronic fatigue syndrome, loss of self-esteem, lack of self-confidence, accident prone, overly agitated or an inability to maintain personal daily life.
If you suspect that you are suffering from the warning signs of stress, it is best to see your medical physician for further examination, analysis and treatment. But also be aware that overcoming the adverse effects of stress is not necessarily healed by popping medications. You will have a much better chance to restore healthy balance, mind-body-spirit, by combining your medical treatment plan to coincide with changes in your attitude, thinking and lifestyle patterns.
To release unwanted stress, the solution is to learn how to keep stress managed to your comfort level or better still, try to avoid it as much as possible. Stress-management is about learning how to welcome and deal with daily challenges, whether regarded as good or bad and to do this regularly, not just when you are in the pressure cooker mode. If you learn how to de-stress and simply keep yourself in a calm frame of mind, this can help you move through challenging circumstances. Here are different ways to help you keep stress under control.
1. Ask for help: Be aware that you cannot, nor are you expected to, know and do everything. Accept the fact that each person has limits and sometimes we need to help each other.
2. Avoid over-scheduling: Only be involved or do activities that are of interest and most important to you.
3. Avoid perfectionism: Be realistic, accept and realize that nobody is perfect, so don't expect you or others to be perfect.
4. Be Resilient. Try to go with the flow and resist trying to over-control a situation, person or circumstances. When you remain calm and cool under pressure you are better able to handle problems as they arise, because you maintain clearer focus. But building your resilience takes practice and patience by developing a positive attitude and behaviour in these different areas, so remember to....
1. Welcome change as a challenge and allow it to be part of your normal life
2. View obstacles or setbacks as a being temporary and believe that all will be solved for the highest good for all concerned
3. As each problem or roadblock arises, take the time to be pro-active in solving the dilemma in a peaceful manner
4. Surround yourself with strong, loving, positive-thinking, supportive friends and family
5. Ask your supportive friends and family for help when needed, but avoid becoming co-dependent
6. Enjoy yourself, have fun, relax, remain humble and always show gratitude
5. Break down your problems: Instead of becoming overwhelmed by trying to solve a huge problem all at once, learn to break it into smaller segments or categories, so that you feel a sense of control. Then calmly look at each category one by one, evaluate your options, list pros and cons, look at the bigger picture to assess how it affects your future before arriving at a conclusion. By learning this strategy you will build inner confidence and this in turn will reduce unnecessary stress. Avoid ignoring the problem altogether, because ignorance is not bliss and the problem won't magically disappear. Instead, it will remain unsolved, which will only add to your plate of stress and increase your lack of control.
6. Exercise: Maintain a daily exercise routine to strengthen your muscles and cardio-vascular system. Exercise also stimulates your lymphatic system to releases waste/toxins from your body, increases blood flow to your brain and circulates energy throughout your entire system.
7. Honour your body: Avoid abusing your body through excess use of drugs, alcohol, over-eating, smoking or over-indulgence of junk foods.
8. Maintain proper sleep: This keeps you better equipped, mentally and physically, by providing increased clarity and focus when dealing with stressors. If necessary, rejuvenate by taking short ten or fifteen minute power naps during the day.
9. Monitor your thinking: All thoughts are energy, all action follows a thought; therefore, you control your reality in which your outlook, attitude and re-actions influence your life. Energy attracts the same frequency vibration, so what you think, you will get or attract; therefore, be very careful what you think or wish for.
10. Nutrition: Eat a balanced variety of nutritious foods, drink eight, eight-ounce glasses of water, reduce fats and sugar and supplement with additional vitamins and minerals.
11. Relax: This creates calmness and a sense of well-being. So the next time you feel yourself tense up, breathe slowly, deeply and evenly until you feel calmer. Your body's chemical imbalances can be reversed or greatly improved simply by relaxing. You can learn to relax through doing such activities such as: walking, simple 1-2-3-4 breathing exercises, meditation, visualizations, music, reading, painting, enjoyable hobbies, a relaxing bath, massage, Reiki, reflexology; the list goes on. It is important to find what works for you.
An important key for releasing unwanted stress and increasing your over-all success, is to regard each challenge as a golden opportunity for spiritual growth and a means to learn valuable lessons. Then regard stressors as just temporary problems or hiccups. You cannot eliminate stress altogether, otherwise you would have no motivation to do anything worthwhile or constructive; therefore you would experience no personal growth. But moderate amounts of good stress will induce you to make sensible, achievable goals, monitor your growth progress, allow yourself time for relaxation and enjoyment, remain optimistic, believe in your capabilities, plus make positive choices to live your life to its fullest potential.
One final word of advice.... refuse to allow stress to control or dominate you; instead, make the effort to learn how to control and tame it.
About the Author
This article was written by Margaret Jang, who has been channelling inspirational guidance/teachings from Spirit, in poetry format since 2002. Margaret is a healing facilitator for Reiki & gemstone therapy and is also an instructor offering courses and workshops for Reiki, gemstone healing & psychic/soul development. She resides in Vancouver, BC and may be contacted at www.onesourcelearn.com or phone 604-879-7201.
Monday, May 17, 2010
How to Be a Better Person
1. Decide what it is that you consider a 'good' person to be. You can do this by observing people you love or respect, and by observing what causes people to make major mistakes or do wrong.
2. Observe and befriend people who you consider a good influence, but don't expect them to be saints. They may make mistakes because they don't realize they have the virtues you see in them. Never give up.
3.Make changes slowly. Try one new behavior at a time. You cannot become a better person overnight. It takes time. It is a process. You should change your habits and your mind will follow.
4.Remember that life goals can change, and who you are can change as well. Depending on your stage of life and situation. Never fail to re-evaluate and rediscover yourself.
5.Make friends. If there is someone that works or lives near you that seems devoid of a friend, reach out and help them. It is incredible the difference one person can make if they become another's friend.
6.Read. Read all of the time and about everything. People admire smart peers, and being well-educated means that you will be able to stick up for what you believe in by using fact.
7.Live life to the fullest. Try out for that school sport. Volunteer at the soup kitchen. Write that journal. Fill your life to the brim with rewarding activities and enjoy the blessings that come of them.
8.Boost your intelligence. The ability to perform mental tasks with ease is invaluable; taking simple steps in your daily life will help you to cultivate your brain power.
9.Finish college. If you haven't gone yet, make a plan to do so. There are so many opportunities that you are missing out on if you refrain from getting a formal education. Job opportunities will be opened up, you will gain respect from colleagues, along with the bonus asset that you become more intelligent. It is never too late to go to school.
10.Help others. If your best friend is in need of a lift, take him with you on your way to work. If your son is having trouble with his homework, try to take time to help him. When you help others, it not only makes you feel good, but you gain others' trust, which is invaluable to have. Helping out can also be a learning experience.
11.Spend time with your family. It is truly a learning experience to all of you. Spending quality time away from the T.V. can help you delve into the minds and hearts of your loved ones, allowing you to help them with any problems they may be experiencing and getting to genuinely know them. Studies have shown that children that eat dinner as a family are less likely to do drugs, alcohol, or be depressed. Just fifteen minutes a day with family can deeply help everyone involved.
12.Think before you speak - a good listener tends to be a good person, and trust from others will follow.
13.Stay active. Being healthy and fit allows you to perform more tasks with ease and precision. Just thirty minutes of activity a day can help you lead a healthier, longer, more fruitful life. So what are you waiting for?
14.Live a healthy lifestyle. If you want your car to perform to its fullest, you have to maintain it regularly and not abuse it. Treat your body with the same respect. Get ample sleep every night, eat/drink properly, and get exercise. You'd be amazed at how much body and mind are connected.
15.Grow towards love everyday- We all have to live in this world together for at least a small amount of time and we are all here on purpose to learn the lessons of our actions. The way we can love is by being loving and thankful. There is wisdom in all things, and all are capable of tapping the experience of pure natural and whole being. THIS LIFE IS FOR LOVE. This simple truth which begins with gratitude, forgiveness and loving awareness is for us to see our imperfections and our potential perfection. None of us are perfect.
16.Donate time to selfless love- When you give your body, mind, and strength to the loving force which is within us all and provides us with all we need. When we strike out to attack others we hurt ourselves. We get what we give.
17.Love what you do, Do what you love- If we can finally admit that we are in need of something to fill the void in our life that eats at us every moment. Until we become aware of each action and the motive behind what we are doing. Why have we done what we have done. We can unchain ourselves from Karma to live more fully.
18.Focus your mind on something positive- High motives and noble thoughts can be transferred into actions where we become aware of healing and helping all people because we are all brothers and sisters and deserve love no matter what the past or present or future. We give selfless love to all people in all times and all situations which may arise. There is justice in the world no matter what you see trust God and justice will come in a just time.
19.Pick up your dreams- Give your dreams another look. Dream again with deep determination. Remain self consciously aware throughout your day. Just remain conscious even of anger in your mind and body. Your mind creates your body. Get a hold of yourself and don't be distracted by the outside forces of life. With selfless awareness you can create a positive mind which unfolds positively effortlessly. Everyday should be the best day of your life. Give fully and receive fully into yourself.
20.Give quiet understanding- Love is the only cure to what ails you. We can enjoy company when we eat or pray or live and dream and grow together. All that you do should be for the benefit of all. Give fully of yourself to all in all energy of life for ALL times all of your forces are made of diverse energy. You must guide your energy consciously and make your mind unemotional and solid. It is not a restriction, it is a guidance.
21.Don't force others into things you do. This involves religion, work, beliefs, culture, etc. Most people are happy with who they are, and won't necessarily respond positively to shoving. Remember, not all people are religious, so don't do things like edit wikis to say that "the only way to reach happiness is God." In fact, most people who aren't religious are just as happy as those who are. That being said, religion isn't a bad thing.
22.Decide what it is making you feel you're a bad person. Everybody's different and you can't be somebody else. Accept that you are you and follow your heart. What you feel may be right, is probably right for you. You're yourself and everybody will just have to accept that.
2. Observe and befriend people who you consider a good influence, but don't expect them to be saints. They may make mistakes because they don't realize they have the virtues you see in them. Never give up.
3.Make changes slowly. Try one new behavior at a time. You cannot become a better person overnight. It takes time. It is a process. You should change your habits and your mind will follow.
4.Remember that life goals can change, and who you are can change as well. Depending on your stage of life and situation. Never fail to re-evaluate and rediscover yourself.
5.Make friends. If there is someone that works or lives near you that seems devoid of a friend, reach out and help them. It is incredible the difference one person can make if they become another's friend.
6.Read. Read all of the time and about everything. People admire smart peers, and being well-educated means that you will be able to stick up for what you believe in by using fact.
7.Live life to the fullest. Try out for that school sport. Volunteer at the soup kitchen. Write that journal. Fill your life to the brim with rewarding activities and enjoy the blessings that come of them.
8.Boost your intelligence. The ability to perform mental tasks with ease is invaluable; taking simple steps in your daily life will help you to cultivate your brain power.
9.Finish college. If you haven't gone yet, make a plan to do so. There are so many opportunities that you are missing out on if you refrain from getting a formal education. Job opportunities will be opened up, you will gain respect from colleagues, along with the bonus asset that you become more intelligent. It is never too late to go to school.
10.Help others. If your best friend is in need of a lift, take him with you on your way to work. If your son is having trouble with his homework, try to take time to help him. When you help others, it not only makes you feel good, but you gain others' trust, which is invaluable to have. Helping out can also be a learning experience.
11.Spend time with your family. It is truly a learning experience to all of you. Spending quality time away from the T.V. can help you delve into the minds and hearts of your loved ones, allowing you to help them with any problems they may be experiencing and getting to genuinely know them. Studies have shown that children that eat dinner as a family are less likely to do drugs, alcohol, or be depressed. Just fifteen minutes a day with family can deeply help everyone involved.
12.Think before you speak - a good listener tends to be a good person, and trust from others will follow.
13.Stay active. Being healthy and fit allows you to perform more tasks with ease and precision. Just thirty minutes of activity a day can help you lead a healthier, longer, more fruitful life. So what are you waiting for?
14.Live a healthy lifestyle. If you want your car to perform to its fullest, you have to maintain it regularly and not abuse it. Treat your body with the same respect. Get ample sleep every night, eat/drink properly, and get exercise. You'd be amazed at how much body and mind are connected.
15.Grow towards love everyday- We all have to live in this world together for at least a small amount of time and we are all here on purpose to learn the lessons of our actions. The way we can love is by being loving and thankful. There is wisdom in all things, and all are capable of tapping the experience of pure natural and whole being. THIS LIFE IS FOR LOVE. This simple truth which begins with gratitude, forgiveness and loving awareness is for us to see our imperfections and our potential perfection. None of us are perfect.
16.Donate time to selfless love- When you give your body, mind, and strength to the loving force which is within us all and provides us with all we need. When we strike out to attack others we hurt ourselves. We get what we give.
17.Love what you do, Do what you love- If we can finally admit that we are in need of something to fill the void in our life that eats at us every moment. Until we become aware of each action and the motive behind what we are doing. Why have we done what we have done. We can unchain ourselves from Karma to live more fully.
18.Focus your mind on something positive- High motives and noble thoughts can be transferred into actions where we become aware of healing and helping all people because we are all brothers and sisters and deserve love no matter what the past or present or future. We give selfless love to all people in all times and all situations which may arise. There is justice in the world no matter what you see trust God and justice will come in a just time.
19.Pick up your dreams- Give your dreams another look. Dream again with deep determination. Remain self consciously aware throughout your day. Just remain conscious even of anger in your mind and body. Your mind creates your body. Get a hold of yourself and don't be distracted by the outside forces of life. With selfless awareness you can create a positive mind which unfolds positively effortlessly. Everyday should be the best day of your life. Give fully and receive fully into yourself.
20.Give quiet understanding- Love is the only cure to what ails you. We can enjoy company when we eat or pray or live and dream and grow together. All that you do should be for the benefit of all. Give fully of yourself to all in all energy of life for ALL times all of your forces are made of diverse energy. You must guide your energy consciously and make your mind unemotional and solid. It is not a restriction, it is a guidance.
21.Don't force others into things you do. This involves religion, work, beliefs, culture, etc. Most people are happy with who they are, and won't necessarily respond positively to shoving. Remember, not all people are religious, so don't do things like edit wikis to say that "the only way to reach happiness is God." In fact, most people who aren't religious are just as happy as those who are. That being said, religion isn't a bad thing.
22.Decide what it is making you feel you're a bad person. Everybody's different and you can't be somebody else. Accept that you are you and follow your heart. What you feel may be right, is probably right for you. You're yourself and everybody will just have to accept that.
Tuesday, April 27, 2010
Bad habits can age you by 12 years, study suggests
By LINDSEY TANNER, AP Medical Writer - Mon Apr 26, 6:26 PM PDT
CHICAGO - Four common bad habits combined — smoking, drinking too much, inactivity and poor diet — can age you by 12 years, sobering new research suggests.
The findings are from a study that tracked nearly 5,000 British adults for 20 years, and they highlight yet another reason to adopt a healthier lifestyle.
Overall, 314 people studied had all four unhealthy behaviors. Among them, 91 died during the study, or 29 percent. Among the 387 healthiest people with none of the four habits, only 32 died, or about 8 percent.
The risky behaviors were: smoking tobacco; downing more than three alcoholic drinks per day for men and more than two daily for women; getting less than two hours of physical activity per week; and eating fruits and vegetables fewer than three times daily.
These habits combined substantially increased the risk of death and made people who engaged in them seem 12 years older than people in the healthiest group, said lead researcher Elisabeth Kvaavik of the University of Oslo.
The study appears in Monday's Archives of Internal Medicine.
The healthiest group included never-smokers and those who had quit; teetotalers, women who had fewer than two drinks daily and men who had fewer than three; those who got at least two hours of physical activity weekly; and those who ate fruits and vegetables at least three times daily.
"You don't need to be extreme" to be in the healthy category, Kvaavik said. "These behaviors add up, so together it's quite good. It should be possible for most people to manage to do it."
For example, one carrot, one apple and a glass of orange juice would suffice for the fruit and vegetable cutoffs in the study, Kvaavik said, noting that the amounts are pretty modest and less strict than many guidelines.
The U.S. government generally recommends at least 4 cups of fruits or vegetables daily for adults, depending on age and activity level; and about 2 1/2 hours of exercise weekly.
Study participants were 4,886 British adults aged 18 and older, or 44 years old on average. They were randomly selected from participants in a separate nationwide British health survey. Study subjects were asked about various lifestyle habits only once, a potential limitation, but Kvaavik said those habits tend to be fairly stable in adulthood.
Death certificates were checked for the next 20 years. The most common causes of death included heart disease and cancer, both related to unhealthy lifestyles.
Kvaavik said her results are applicable to other westernized nations including the United States.
June Stevens, a University of North Carolina public health researcher, said the results are in line with previous studies that examined the combined effects of health-related habits on longevity.
The findings don't mean that everyone who maintains a healthy lifestyle will live longer than those who don't, but it will increase the odds, Stevens said.
Sunday, April 25, 2010
The Ten Worst Job Interview Questions
Worst job interview questions listed here are asked many times by novice HR Managers. Read it all to see if you have ever been asked one of these questions. Good interview question are important as they help employers evaluate the the technical qualifications, people skills, problem solving approach, and team playing abilities of potential employees. Worst interview questions do none of these. Instead, they confuse, irritate and sometimes even offend the applicant. This Top 10 worst job interview questions list contain all the questions that fit one or more of the following criteria:
1. Illegal – Ask about certain topics which an employee has no right to question about. The one being interviewed can even sue the person. Employers and Recruiters are Warned to stay clear of such questions.
2. Useless – These Questions test trivial knowledge that has no relevancy and most often be asked in situations where the interviewer is trying to impress his colleagues present.
3. Copycat – These kind of questions are often downloaded from web and the interviewer often have them in printed form in front of them. this is just too lame. Everyone knows answer to those. They have been asked over a million times.
Enough rambling, here are Recruiter’s Blogs Top 10 worst job interview questions.It is very important to point out that if you are asked one of these questions or somewhat like this.Please note that being asked any of these questions. You should take a step back and re-consider for a while. Can you really trust your livelihood and sanity with this organization? What follows is the list.
Question 1: Where do you see yourself in five years?
Question 2: What is your biggest weakness?
Question 3: Do you ever abuse alcohol or drugs?
Question 4: What is the airspeed of an Jet Flying MACH2?
Question 5: How do you define sexual harassment?
Question 6: If you were a ‘Lost’ character, which one would you be?
Question 7: Can you work under pressure?
Question 8: Why did you take the pen from me?
Question 9: Have you ever brought a lawsuit against an employer?
Question 10: What interests you about our company?
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