1. Get rid of credit card debts
Credit card companies or banks are the worst Shylock's that ever existed, because they entice you to spend money you don't have and then charge you unbelievable interest rates.
2. Get rid of your vehicle.
Petrol prices will continue to increase and transportation costs will become an important part of you budget. It is better to stop using your car so that you can spend money on essential items.
3. Try to stay healthy.
Health companies are second in the list of vampires after banks and credit cards.
4. Pay attention to all your utility bills. Change all the light bulbs to energy saving one and avoid using high energy consuming gadgets.
5. Keep away from multi level marketing and other such things. In the end you will lose not only your money but your reputation as well.
6. See how the recession affects your company or job. In hard times, the government jobs are fully safe.
7. Never invest in stocks with borrowed money unless you are very sure of success. Right now stock have gone down. If you have cash and want to invest in stocks go for companies which have a future e.g Electricity generating companies,Food production companies, water companies, medicine manufacturer's etc.
Thursday, April 30, 2009
THE TEN BEST WAYS TO REWARD GOOD WORK
Money and recognition are the two most powerful rewards. Almost everybody responds to praises and raises.
When we reward people with something that is meaningful to them, we are encouraging them as well as increasing their personal value and worth. As a leader, you may bring together a group of highly skilled people, but that alone does not ensure success. You need to know how to improve their shortcomings and build their assets by the skillful use of simple encouragement.
People withhold their best efforts when they see little or no relationship between what they do and how they are rewarded.
The following are ten ways to reward good work:-
1. Money
Money does talk. It tells an individual how valuable he is to whoever pays his salary. Pay for leadership and get leaders, pay peanuts and you get monkeys.
2. Recognition
People need continual affirmation so they know they are meeting a need and doing it well. There are two kinds of egotists:- Those who admit it and the rest of us.
3. Time off
If someone has worked extended hours on a special project, give them an afternoon or day off with a hearty thanks on the way out.
4. A piece of the action
Not all of us have the opportunity of profit sharing within a company, but we can pass on additional responsibility for work well done.
5. Favourite work
Reward good work by assigning people tasks they enjoy doing. Find out what they like to do best and give it to them.
6. Advancement
Allow only your producers to advance and move forward, not your workers. This is a biblical principal we see modeled in the parable of the five talents.
7. Freedom
Give producers the autonomy to do their jobs in the way they feel most comfortable. Don't stifle them by trying to fit them into your own mold.
8. Personal growth opportunities
Reward you people with the opportunity of further career education. Provide books, conference attendance, tapes and speakers that will enhance them.
9. Special time together
If you are the leader or boss, take time to socialize over a meal in order to affirm someones productivity.
10. Gifts
Your thoughtfulness in taking time to select a gift that would be meaningful shows a productive person that you appreciate him or her.
When we reward people with something that is meaningful to them, we are encouraging them as well as increasing their personal value and worth. As a leader, you may bring together a group of highly skilled people, but that alone does not ensure success. You need to know how to improve their shortcomings and build their assets by the skillful use of simple encouragement.
People withhold their best efforts when they see little or no relationship between what they do and how they are rewarded.
The following are ten ways to reward good work:-
1. Money
Money does talk. It tells an individual how valuable he is to whoever pays his salary. Pay for leadership and get leaders, pay peanuts and you get monkeys.
2. Recognition
People need continual affirmation so they know they are meeting a need and doing it well. There are two kinds of egotists:- Those who admit it and the rest of us.
3. Time off
If someone has worked extended hours on a special project, give them an afternoon or day off with a hearty thanks on the way out.
4. A piece of the action
Not all of us have the opportunity of profit sharing within a company, but we can pass on additional responsibility for work well done.
5. Favourite work
Reward good work by assigning people tasks they enjoy doing. Find out what they like to do best and give it to them.
6. Advancement
Allow only your producers to advance and move forward, not your workers. This is a biblical principal we see modeled in the parable of the five talents.
7. Freedom
Give producers the autonomy to do their jobs in the way they feel most comfortable. Don't stifle them by trying to fit them into your own mold.
8. Personal growth opportunities
Reward you people with the opportunity of further career education. Provide books, conference attendance, tapes and speakers that will enhance them.
9. Special time together
If you are the leader or boss, take time to socialize over a meal in order to affirm someones productivity.
10. Gifts
Your thoughtfulness in taking time to select a gift that would be meaningful shows a productive person that you appreciate him or her.
Friday, March 20, 2009
8 MOST IMPORTANT BENEFITS OF SHEDDING EXTRA FLAB FOR A WOMAN
1 Fight Cancer
Cancer researchers have constantly found the link between the high rate of fat in the body cells and the development of many kinds of cancer. Post menopausal women who are overweight are 31 percent more likely to develop breast cancer because fat produces excessive oestrogen, which contributes to a higher incidence of breast cancer. The risk of developing bowel, ovarian and cervical cancer is also lower if you are slim. Fat globules in our body cells tend to bloat up free radicals that eventually cause cancer.
2. Healthy Heart
Majority of cases of heart disease are as a result of obesity and poor dietary habits and are usually preventable. An accumulation of fat around your middle increases your risk because this raises your levels of bad cholesterol and affects the body's breakdown of sugar. If your waist measures over 80 cm, your asking for trouble so go out there today and do something about it.
3. Keep Clear of Diabetes
According to medical research, excessive body fat can substantially increase your risk of developing diabetes more than any other kind of disease. Losing weight can made a lot of cases of type II diabetes to be reverted. Shedding abdominal fat means that your body is able to respond normally to insulin again.
4. Avoid Alzheimer's Disease
Retaining a healthy body weight halves your risk of developing Alzheimer's disease, which is characterised by memory loss and mental deterioration. This is because being overweight makes you susceptible to suffering high blood pressure and high cholesterol levels.
5. Better Sight
The decline on vision in overweight people is significantly higher because the excess fat soaks up the vitamin A,C,E and Zinc, which keeps eyes functioning properly. Since you are also prone to high sugar levels in the blood, the vessels at the back of the eyes are damaged leading to further macular degeneration. Increase your intake of fresh fruits and vegetables.
6. A supple Back
Fat people consistently suffer from back and spinal problems as well as knee and ankle pains. The best way to shift the kilos if you suffer from back, neck and joint pains because of being overweight is to walk. Walking helps protect your back as it is gentle on the spine and helps to build muscle that support it.
7. Sound Slumber
If you are overweight, you may tend to snore more and be prone to sleep apnea, which causes you to stop breathing while you are asleep. This forces you to wake up to catch your breath and greatly affects your ability to get a good night's sleep apart from making you prone to dying of a stroke.
8. Self Esteem
When you look and feel good about yourself, confidence levels soar, improving all relationships. Overweight people may not admit but many of them feel left out and stigmatized due to their appearance. Therefore losing weight isn't only good for your health, it is vital for your happiness too.
Cancer researchers have constantly found the link between the high rate of fat in the body cells and the development of many kinds of cancer. Post menopausal women who are overweight are 31 percent more likely to develop breast cancer because fat produces excessive oestrogen, which contributes to a higher incidence of breast cancer. The risk of developing bowel, ovarian and cervical cancer is also lower if you are slim. Fat globules in our body cells tend to bloat up free radicals that eventually cause cancer.
2. Healthy Heart
Majority of cases of heart disease are as a result of obesity and poor dietary habits and are usually preventable. An accumulation of fat around your middle increases your risk because this raises your levels of bad cholesterol and affects the body's breakdown of sugar. If your waist measures over 80 cm, your asking for trouble so go out there today and do something about it.
3. Keep Clear of Diabetes
According to medical research, excessive body fat can substantially increase your risk of developing diabetes more than any other kind of disease. Losing weight can made a lot of cases of type II diabetes to be reverted. Shedding abdominal fat means that your body is able to respond normally to insulin again.
4. Avoid Alzheimer's Disease
Retaining a healthy body weight halves your risk of developing Alzheimer's disease, which is characterised by memory loss and mental deterioration. This is because being overweight makes you susceptible to suffering high blood pressure and high cholesterol levels.
5. Better Sight
The decline on vision in overweight people is significantly higher because the excess fat soaks up the vitamin A,C,E and Zinc, which keeps eyes functioning properly. Since you are also prone to high sugar levels in the blood, the vessels at the back of the eyes are damaged leading to further macular degeneration. Increase your intake of fresh fruits and vegetables.
6. A supple Back
Fat people consistently suffer from back and spinal problems as well as knee and ankle pains. The best way to shift the kilos if you suffer from back, neck and joint pains because of being overweight is to walk. Walking helps protect your back as it is gentle on the spine and helps to build muscle that support it.
7. Sound Slumber
If you are overweight, you may tend to snore more and be prone to sleep apnea, which causes you to stop breathing while you are asleep. This forces you to wake up to catch your breath and greatly affects your ability to get a good night's sleep apart from making you prone to dying of a stroke.
8. Self Esteem
When you look and feel good about yourself, confidence levels soar, improving all relationships. Overweight people may not admit but many of them feel left out and stigmatized due to their appearance. Therefore losing weight isn't only good for your health, it is vital for your happiness too.
FIVE LIKELY CAUSES OF HAVING A DRY MOUTH
1. Anxiety or Fear
Stress hormones dry the mouth, making situations such as arguing or having to speak in public difficult. Calm down by taking several deep breaths. Have sips of water and if necessary get practical or emotional support and help from a doctor or counselor.
2. Mouth breathing
Having a cold, snoring or suffering from enlarged clusters of lymphatic tissue in the throat, meaning that we are less likely to breath through the nose makes the mouth dry. Smoking is also a factor. Give up smoking and try to get medical help to stop your snoring habit and deal with the enlarged lymph glands.
3. Dehydration
Drinking coffee, tea, alcohol and fizzy drinks encourages your body to lose more water through urine and sweat. If you are diabetic, this is also the case. Drink more water, avoid too much alcohol and beverages and get medical help if you suspect your blood sugar levels are not stable.
4. Ageing
As we progress in years, the lack of vitamin A or B due to poor diet or gastrointestinal problems is a common cause. Parkinson's disease, Alzheimer's disease or a stroke can lead to dry mouth, as well as having any anti cancer treatment like radiotherapy or chemotherapy. Having frequent small drinks, exercising daily also boosts circulation and improves saliva production. Chew sugar free gum. Bitter foods like watercress, artichokes, sprouts and bitter bear stimulates saliva so go for these.
5. Medications
Drugs commonly used for high blood pressure, antidepressants, antihistamines, medicines for digestive tract problems, diuretics and anticancer drugs have a mouth drying effect.
Stress hormones dry the mouth, making situations such as arguing or having to speak in public difficult. Calm down by taking several deep breaths. Have sips of water and if necessary get practical or emotional support and help from a doctor or counselor.
2. Mouth breathing
Having a cold, snoring or suffering from enlarged clusters of lymphatic tissue in the throat, meaning that we are less likely to breath through the nose makes the mouth dry. Smoking is also a factor. Give up smoking and try to get medical help to stop your snoring habit and deal with the enlarged lymph glands.
3. Dehydration
Drinking coffee, tea, alcohol and fizzy drinks encourages your body to lose more water through urine and sweat. If you are diabetic, this is also the case. Drink more water, avoid too much alcohol and beverages and get medical help if you suspect your blood sugar levels are not stable.
4. Ageing
As we progress in years, the lack of vitamin A or B due to poor diet or gastrointestinal problems is a common cause. Parkinson's disease, Alzheimer's disease or a stroke can lead to dry mouth, as well as having any anti cancer treatment like radiotherapy or chemotherapy. Having frequent small drinks, exercising daily also boosts circulation and improves saliva production. Chew sugar free gum. Bitter foods like watercress, artichokes, sprouts and bitter bear stimulates saliva so go for these.
5. Medications
Drugs commonly used for high blood pressure, antidepressants, antihistamines, medicines for digestive tract problems, diuretics and anticancer drugs have a mouth drying effect.
Saturday, January 24, 2009
newsSaturday, January 3, 2009
HOW TO MAKE YOUR NEW YEARS RESOLUTION WORK
1. Write down goals and read them everyday. This will constantly remind you of something you have to do and therefore few chances of forgetting.
2. Break down your goals into smaller steps and record your progress on a chart each step of the way.
3. Hang signs around the house, in the car and everywhere where they are easily visible so that it serves as a constant reminder.
4. Tell friends and family members about your goals and they are sure to keep reminding or asking about your progress. Again this will assist you to stay focused and not to give up on your goals.
5. Partner with a friend or colleague to share your plans and talk once a week or month as a follow up to motivate each other.
6. Create celebrations for your success i.e reward yourself with dinners or something you like to assist you to put more effort.
7. Meditate each day for focused goals attainment.
2. Break down your goals into smaller steps and record your progress on a chart each step of the way.
3. Hang signs around the house, in the car and everywhere where they are easily visible so that it serves as a constant reminder.
4. Tell friends and family members about your goals and they are sure to keep reminding or asking about your progress. Again this will assist you to stay focused and not to give up on your goals.
5. Partner with a friend or colleague to share your plans and talk once a week or month as a follow up to motivate each other.
6. Create celebrations for your success i.e reward yourself with dinners or something you like to assist you to put more effort.
7. Meditate each day for focused goals attainment.
Thursday, November 20, 2008
HOW TO MANAGE A WINDFALL (i.e SACCO Dividend, Christmas bonus, Lottery winning, Bonus payment).
1. Pay off debts
Get rid of credit card debts and high interest bank loans first. These debts are usually for depreciating purchases and the interest is not tax deductible. A mortgage on the other hand is for an appreciating asset.
2. Manage the usually unrealistic expectations of friends and relatives
Once you know you are a beneficiary of some money, request for assistance will come from all sides and you must be firm about how or whether you can help without compromising your own future.
3. Pay priority expenses such as children's school fees
It is easy to fall for the temptation to move your children to more expensive schools but you must resist this urge. Remember your income has not increased and the trauma your children will go through if you are forced by circumstances to take them to cheaper schools would be terrible.
4. Give your family and yourself a treat
Spend a small fraction of the money to splurge on your loved one but control your expenditure.
5. Put some money aside
Put aside money that would take care of at least six months' expenses in a money market unit trust or bank account for emergencies.
6. Purchase appropriate insurance policies
Get an insurance cover e.g life or investment policy to cater for the future. You should also pay up your premiums ahead of time.
7. See lawyer about writing a will
This is not in preparation of your demise, rather it is the responsible thing to do if you have dependants.
8. Take time to re-evaluate your financial plans and goals
Do not rush off to commit the money into the first investments that comes to mind. Investments should be appropriate to your goals. The fastest way to burn your money is to rush into a business you neither understand nor have the ability to manage.
9. Get professional help
Whether it is deciding between which debts to pay off, which insurance policies to buy or where to invest, you need technical knowledge in those areas and most individuals do not have those skills. The wise thing to do is to consult a professional to guide you through the decision-making. However you would be wise to consult an advisor who does not have anything to benefit from your choices because only such and advisor can be unbiased.
10. Remember to donate to your church or a charity.
Get rid of credit card debts and high interest bank loans first. These debts are usually for depreciating purchases and the interest is not tax deductible. A mortgage on the other hand is for an appreciating asset.
2. Manage the usually unrealistic expectations of friends and relatives
Once you know you are a beneficiary of some money, request for assistance will come from all sides and you must be firm about how or whether you can help without compromising your own future.
3. Pay priority expenses such as children's school fees
It is easy to fall for the temptation to move your children to more expensive schools but you must resist this urge. Remember your income has not increased and the trauma your children will go through if you are forced by circumstances to take them to cheaper schools would be terrible.
4. Give your family and yourself a treat
Spend a small fraction of the money to splurge on your loved one but control your expenditure.
5. Put some money aside
Put aside money that would take care of at least six months' expenses in a money market unit trust or bank account for emergencies.
6. Purchase appropriate insurance policies
Get an insurance cover e.g life or investment policy to cater for the future. You should also pay up your premiums ahead of time.
7. See lawyer about writing a will
This is not in preparation of your demise, rather it is the responsible thing to do if you have dependants.
8. Take time to re-evaluate your financial plans and goals
Do not rush off to commit the money into the first investments that comes to mind. Investments should be appropriate to your goals. The fastest way to burn your money is to rush into a business you neither understand nor have the ability to manage.
9. Get professional help
Whether it is deciding between which debts to pay off, which insurance policies to buy or where to invest, you need technical knowledge in those areas and most individuals do not have those skills. The wise thing to do is to consult a professional to guide you through the decision-making. However you would be wise to consult an advisor who does not have anything to benefit from your choices because only such and advisor can be unbiased.
10. Remember to donate to your church or a charity.
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