Archive for October, 2007

How to Stop Comparing Yourself to Other People

Comparing yourself to other people has got to be one of the easiest things for any person to do. We can’t help it. People feel the need to do it in order to understand where they stand in society’s “hierarchy”.

Most people buy into this “hierarchy” that society has created and they want to be at the highest level possible of it, as well as know where they stand in it at all times. There are a ton of barometers to indicate one’s placement in it.

From elementary to up until high school, it was all about appearance and popularity. After that came the comparisons of universities fellow students attended, if any. Then came the all too popular financial barometer. How much money do you make? What kind of material possessions do you own? What’s your marital status? How many friends do you have? And on and on and on.

There’s a seemingly invisible set of “rules” that people have subtly agreed upon to play by, which has probably been initiated by advertising and the media in order to create this social “hierarchy” and play off the wants of people to be at the very top of it. The majority of people tend to play by these rules and because the majority of people play by these rules, it creates enormous pressure for everyone in general to play by the rules, to play within the system and be “ranked” according to it because that’s the system everyone is using.

So the question remains. How do you stop comparing yourself to other people given the “hierarchy” society has created and that the majority of people are playing by the “rules” to determine one’s placement in it?

Don’t think hierarchy.
Think journey.

Topple the concept of hierarchy in your mind right now and watch all those different pieces on all the different “levels” come tumbling down and settling on one, even, level playing field called life.

What most people who think in terms of “hierarchy” don’t realize is that they’re potentially, and most likely comparing themselves with false data, and they’re letting that comparison based on false data dictate their future actions accordingly.

The easiest example to illustrate this is with the financial barometer. It’s probably the top barometer used in society today and the majority of people realize that.

And because the majority of people realize that, they understand it’s imperative to “look” financially successful in order to be on top of the social “hierarchy”, leveraging that rule everyone plays by in their favor. To do that, it might and most likely means getting into severe debt.

And sure enough, despite the fact they’re deep in the red financially, they “look” financially successful and that’s all that matters in terms of cementing one’s position at the near top of the social “hierarchy”.

But that’s not where it ends. That’s just where it begins. Other people see that happening and not wanting to fall lower on the totem pole, try to outdo the other in terms of looking financially successful. But remember, it was based on a false front to begin with. Then the original person seeing that, doesn’t want to get left behind and ups the ante and on and on and on.

You know that phrase “keeping up with the Jones’?” What most people don’t realize is that the Jones’ are too busy keeping up with the Smiths and Smiths are too busy keeping up with the Browns and the Browns are too busy keeping up with the Millers, etc.

If you keep thinking “hierarchy”, you’ll always find somebody that will be “above” you. You can’t win that game. It’s a loop that will never end.

Everybody is taking a different path in life. The most important thing to remember is to make sure that you’re doing what you want to be doing. Other people will be doing what they want to be doing, even if it means manipulating their appearances based on the “rules” of the system to be at the top of the “hierarchy”, but that’s ok. They’re doing what they’re doing. You can’t judge them for that.

Some people might start their own business; some might choose to practice medicine or law. That’s fine. That’s what they want to do.

What do YOU want to do?

If you keep focusing on everyone else’s journey, you’re going to stop paying quality attention to your own. What I mean by quality attention is attention free from jealousy, worry, envy, strife, etc., – just a calm, objective look at your own journey that can provide answers to help move you forward or to even determine what that journey should be in the first place.

If you keep on looking at other people’s journeys, you’re going to crash and that’s what a lot of people do.

Focus on your own journey. Your journey is no better or any worse than anybody else’s. It’s yours alone.

It’s unique, it’s different, and it’s one that has never been taken, nor will ever be. Nobody has lived your exact same life, has had your exact same thoughts, feelings, and experiences that make up who you are today.

Focus on what you want and only what YOU want. That’s it. It’s your journey. Other people will have their own to follow.

And even after all that, if you still feel the urge to compare, compare yourself to yourself in terms of your own journey – how far you’ve gotten, what you’ve learned, how you’ve grown and you’ll find that will prove to be one of the best barometers you will ever use in life.

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What is most likely to help you reach the top?

When it comes to success in today’s world, being the kind of person others like outranks all of the fashionable traits like competitiveness, willingness to work harder then anyone else, piling up qualifications, or blind obedience to the demands of the people at the top. Pleasant, likable people have the best chances of being hired, promoted, and rewarded. Customers are more willing to buy from those they feel good around—even if they aren’t offering the best deal. Bosses who are well-liked get better performance from their staff and face fewer people problems. Subordinates who get on well with everyone are trusted more and given better assignments.

In contrast, the kind of boss who provokes fear rather than warmth quickly creates an atmosphere that produces worse results, higher employee turnover, and more conflicts. Tough, abrasive companies trap themselves in a culture of stress and anxiety, if only because nobody is willing to cut anyone else some slack.

Communication depends on trust, and trust is quickly destroyed by those who give off negative vibes. If you deal with others by being more abrasive than the next guy, expect to get the same treatment in return. People who are disliked are the ones others either don’t communicate with, don’t include in discussions, starve of any information, or don’t bring into the loop at all.

Here are some ideas on how to make sure that others see you as a good person to have around:

* Whenever you can, act friendly and open. If you’re seen as approachable—a person with neither a hidden agenda nor any “side”— people will make sure you’re included in whatever is going on.
* Don’t be manipulative. People hate it. It makes the person who is manipulated look like a fool. It establishes you as someone dishonest. Whatever the short-term benefits appear to be, in the longer term it’s the kiss of death to sound relationships.
* Take the risk (if risk it is) and freely offer your trust to others. Don’t buy into the nonsense that people have to earn trust. If you don’t trust them first, how can they prove that they’re trustworthy? If you trust other people, they will trust you. We all like to work with people we can trust. Colleagues who get a reputation for being untrustworthy are shut out of all the informal discussions that matter.
* Focus on helping others, not helping yourself. Self-centered people aren’t attractive. If you genuinely concern yourself with being useful to others, you’ll be swiftly rewarded with their support in return.
* Be yourself. Don’t try to play a part. Others quickly sense if what they see isn’t what they’re going to get. You may have no negative intentions, but they won’t see it like that. Someone who tries to fool them in one thing is probably up to something. Better to keep a distance and avoid being taken in.
* Take time with people. Your time and attention are gifts of immense value. Give them freely. People who have time for others, regardless of how busy they are, are good to be with. Unpleasant people, who only have time for themselves, are a bore. Never underestimate the impact on others of truly giving them your full attention.
* Listen more and talk less. Good listeners find themselves in the center of almost any group because that’s where the others want them. We all like to be listened to, so we all like good listeners. Besides, you can’t learn nearly as much by talking as you can by staying quiet and listening.
* Remember your manners. Politeness counts for a great deal. For a start, it shows that you value the other person. It protects their dignity. No one likes to be treated with rudeness or condescension. Poor manners suggest arrogance, ignorance, or disdain—none of them likely to increase your standing with other people.
* Try to be good humored at all times I’m not suggesting you act like a clown, but a little good-nature and a sense of humor go a long way to making others feel at more ease with you. Have you ever heard anyone criticized for being fun to be around? Or avoided because they make people laugh?
* If all else fails in times of stress and crisis, remember this: keep a tight leash on your anger, stay calm, and forget about it afterwards. If you keep your mouth shut, you won’t say things you’ll regret. And if you don’t hold a grudge, you’ll be free to start again without a lot of bitter memories. Giving vent to your anger rarely, if ever, does more than create future problems.

Friendly people have many friends: friends who will speak up for them, help them in tough times and watch out for their best interests,and, best of all, people forgive their mistakes and overlook their weaknesses.

Today’s constant obsession with competition and winning makes it easy for people to slip into bad habits towards colleagues, customers, and subordinates. The more successful you are, the more important it becomes to act with humility and genuine warmth towards everyone.

There’s nothing some people enjoy more than taking an arrogant prima donna down several pegs.

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中国:全球超级经济大国?

  去10年来,中国经济经历并度过了一连串的国内、地区乃至全球性的危机。1997年的亚洲金融危机、互联网泡沫破裂、美国经济衰退、以及中国国内的非典突发事件——所有这些危机都未能打断中国经济的发展步伐。

今年中国经济增长速度预计将超过11%,看起来中国正处于一个有利地位,能够安然度过次级抵押贷款危机。这场危机已开始对美国经济造成尤其显著的影响。即使美国经济放缓导致中国出口下降,其影响也应该是可以控制的。

“中国完全能够应对美国经济增长放缓可能带来的影响,”世界银行(World Bank)中国问题高级经济学家高路易(Louis Kuijs)表示。“全球增长温和放缓,实际上可以缓和决策者对整体增长、通货膨胀和贸易顺差的担忧,同时中国在宏观经济方面的强有力地位,提供了必要时调整其国内政策立场的工具。”

一系列因素为短期内中国的信心提供了支撑。企业利润和贷款增长仍处于高位,从而确保占中国经济增长近一半比重的投资活动保持强劲。此外,尽管成本上升,以及自2005年以来人民币兑美元汇率累计升值10%,但中国出口商仍有着超强的竞争力。

中国8月份通胀率达到了6.5%的11年高位,在一些决策者中引发了悲观的看法,他们担心通胀会波及本已存在泡沫的中国股市和房地产市场。但就目前来看,中国的物价之所以正在上涨,几乎完全是食品和全球饲料价格上涨所致,而食品涨价的推动因素,是中国主要的食用肉类猪肉出现短缺。

中国经济的重大问题,不在于它能否持续迅速增长——就中短期而言,几乎可以肯定中国经济能做到这一点。问题仍然在于中国经济的增长模式能否改变,减少对出口和资本及能源密集型企业投资的依赖,转而更多地依靠国内消费。中国政府已说了将近5年的所谓中国经济“结构调整”是必要的,在美国经济可能放缓的背景下,这一点比以往任何时候都更为重要。中国需求上升,有助于抵消美国需求下降的影响,为全球经济提供了一种潜在的刺激。世界银行中国首席经济学家郝福满 (Bert Hofman)表示:“如果美国经济放缓的速度高于预期,从而拖累全球经济增长,那么,减少外部失衡可能成为中国对全球经济增长的一个重要贡献。”

允许人民币以更快速度升值是一种最显而易见的工具,不仅可以减少对出口商的激励,而且也有助于缓解通胀压力。然而,中国的汇率政策依然没有摆脱两年前取消人民币盯住美元汇率制度时设定的缓慢、稳定的轨道。

中国仍然是全球经济体系中的独特个体,以许多标准来衡量,它都是一个发展中国家;但中国拥有如此庞大的规模和重要性,以至于外界感觉它的影响更像是一个超级经济大国。据世界银行及其它机构估计,今年中国经常账户盈余占其国内生产总值(GDP)的比重预计将达到12%,对于一个处于发展阶段的国家而言,这种情况闻所未闻。

规模较小的国家,例如石油国家甚至处于出口驱动型发展阶段的马来西亚,也存在类似的高水平经常账户盈余。但鉴于中国经济的规模及其未来增长空间,中国的失衡问题有着全然不同的涵义。

中国已采取了一系列措施来抑制出口。近几个月来,中国的出口增速是其进口增速的近两倍。中国已削减甚至取消了某些类别产品的出口退税。甚至对一些出口产品(例如某些钢铁产品)开始征税。但这些措施并未收到明显效果。

通胀加剧已促使中国央行(PBoC)采取了强硬得多的立场。即便今年中国央行已5次上调利率,7次上调商业银行存款准备金比率,未来数月内,预计央行还将出台更多此类举措。

摩根士丹利(Morgan Stanley)的王庆表示,中国在美国降息的同时决定推行加息举措,“表明他们相信,美国次级抵押贷款危机对中国实体经济的影响将较为有限,而中国的资本账户管制在很大程度上仍然有效。因此,当局的政策重点仍然放在解决经济风险和资产价格过热方面。”

两年内上涨4倍多的股市,仍是中国政府的关注重点。中国股市与实体经济的关系不大,从近来内地和香港两地上市企业参与的大量并购交易中,可以看出这一点。

里昂证券(CLSA)的侯伟(Fraser Howie)称,中国内地股市一直以香港上市企业的股价作为估值基础。他表示:“在实际交易中,(国内)A股股价没什么关系。没人把A股股价作为表示公司真实价值的指标。”侯伟表示,中国股市是存在泡沫,但这一泡沫可能会持续到明年。尽管中国经济可能不会被冠以“泡沫”的头衔,但中国领导人也认为,当前的经济增长模式是不可持续的。不过,这种局面可能在2008年也不会改变。

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欣赏音乐的好处

音乐本身就是生活,生活也就是音乐.每个人的生活取决了它自己所感受的生活 也同时产生了自己的情感,快乐,痛苦 ,幸福 ,等等.加在一起成为了自己的作品 所以只要它是真实表达自己的情感和对生活的感受都是好的,欣赏音乐是强度极大的脑力劳动,不过这个时候只有大脑的右半球在进行着紧张的活动,而左半球却得到了充分的休息。所以欣赏音乐不但能够提高学习效率,同时还能培养形象思维能力,对于创造能力的培养也大有好处。

爱因斯坦终身学习与研究的,一是音乐,二是物理。他六岁就开始学习小提琴,并深有体会地说:“红花再红,也要绿叶配;人生再美,也需艺术伴随”。他父亲送给他一个指南针,他则发现在音乐与小指南针里有相同的东西,这就是“奥秘”与“未知”。他说,音乐是智慧,是科学。爱因斯坦在很小的时候就已察觉到“这个世界可以由音乐的音符来组成,也可以由数字公式来组成”。因为宇宙间的每一种物体都是按照一种特殊的频率在振动着。而频率正是音乐的基础之一。在大学的时候,他和艾伦菲斯特(和普朗克一样是出色的钢琴家)常常演奏巴赫、海顿、莫扎特、贝多芬的乐曲。他们陶醉在这些探求未知世界的大师们的乐曲中。在他研究相对论的日子里,每当他的思绪遇到障碍时,就走到钢琴旁,弹奏几个清澈而富有逻辑的和弦,让音乐的声音帮助自己推开未知的大门。这许多音乐活动发展了他的右脑,扩展了他右脑的能力。而且实践证明,诺贝尔奖金获得者大多是右脑发达型的。

任何一种有形实体的科学发明,都不是在纯粹的抽象思维中完成的,必须有形象思维参与创造过程。列宁说:“数学上也需要幻想的,甚至没有它就不可能发明微积分”。

爱因斯坦从科学研究中感受到想象力比知识更重要,因为知识是有限的,而想象力概括着世界上的一切,推动着进步,并且是知识进化的源泉。达尔文说:“每周至少听一次音乐,……失去这些爱好,无疑就会失去幸福,也许还会影响智力”。
爱因斯坦从小就走上音乐之路,古典音乐大师的乐曲启迪他想问题更为开阔,因为旋律总是变化的,而且变化又很协调;它的和声总是在运动,协和--不协和--协和(解决音),这种音乐中的对立统一规律正是客观世界的反映。

常听音乐的好处:1. 音乐可以让身体放轻松,好的音乐可以纾解压力,避免因自律神经紧张失调而导致慢性疾病的产生。 2. 音乐可以敲开封闭的心灵,纾解忧郁苦闷的心情,甚至音乐还可以做到某些程度的心灵治疗。 3. 音乐可以刺激脑部,活化脑细胞,适当的音乐刺激对脑部的活动有很大的帮助,甚至达到防止老化的功效。 4. 音乐可以提升创造力、企划力以及刺激右脑,尤其是古典乐曲,对右脑的训练与发展是很有帮助的。 5. 音乐可以帮助入眠、提高免疫力、增加神经传导速率、增强记忆力与注意力,让人的身心都得到适度的发展、解放。 6. 音乐的旋律可以使婴儿呼吸平静、心跳减缓,让婴儿不再哭闹不安,也可以刺激婴儿的大脑思维能力,让他更聪明。

朋友们,热爱音乐吧!它给予你的会比你所期望的更多。

建议:(仅供参考)
1. 从经典的古典小品听起,如施特劳斯、柴可夫斯基和莫扎特等人的作品,
因为他们的作品通常都是以旋律见长,容易被人接受,然后再深入一些深奥的大型作品,如贝多芬、瓦格纳和勋伯格等人的作品。

2. 购买CD时首先选择自己喜欢听的作品,不要按照《CD圣经》等书照着买,其次再注意版本,最后才是价格。只买对的,不买贵的。入门以后方可买本《企鹅唱片指南》参考。

3. 找一些欣赏音乐的相关书籍阅读。而丰富古典音乐作品知识则推荐《古典作曲家排行榜》一书(海南出版社出版),这本书委实不错。

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Time is All We Have: 3 Ways to Increase Return on Investment

Do not squander time for that is the stuff life is made of.
- Benjamin Franklin

Return on investment (ROI) is a term you hear frequently, usually in relation to business and finance. The goal (obviously) is to maximize return on the money you invest. The implications of this concept go much deeper when you start to think of time as your primary investment rather than money. Everything you do is an investment of time. When you watch television, you’re making an investment in entertainment. If you watch a show that sucks, you’ve made a bad investment and receive a poor return for your time.

In many ways time is more valuable than money. You’ll always have the opportunity to make more money, but once time has been spent it’s gone forever. When you think of time as a commodity, and all of your actions as investments, it changes the way you approach every day decisions.

We spend time in many different ways: working, eating, sleep, exercise, entertainment, etc. All of these things are important. When we start investing too heavily in one area and not enough in another we create problems for ourselves. The key is investing our time in a manner that perfectly balances each of these areas and forms a productive and pleasurable life.

Deciding how to invest our time is a formidable task. Unlike business, there are no percentages or spreadsheets to reference. We have to rely on experience and intuition. I’m far from a master at this, but these are a few principals I use to guide my decision making.
1. Look for Multiple Positives

A multiple positive is an activity that generates a positive return in more than one area. These are great for ROI because they multiply returns and incur fewer losses. One of my best multiple positives is working on this website. It’s something that I find extremely entertaining, it contributes to a small (but steadily growing) stream of income, and it develops skills that I’ll be able to use the rest of my life like writing, web design, and networking.

Every individual will have different multiple positives, the important part is finding ones that work for you. A multiple positive for a software developer might be working on open source or a personal project. It can even be as simple as playing basketball, a fun game that’s also great exercise. The key to finding multiple positives is finding areas where different positive actions intersect. If I can find a way to get paid to eat delicious food I’ll be golden.
2. Avoid Multiple Negatives

Multiple negatives are the same as multiple positives, except the complete opposite. These are activities that detract from multiple areas of life. One of my favorite weaknesses is going out drinking. This hurts me in three ways: the time spent isn’t productive, drinks are expensive, and the effect of staying up late and being hungover usually ruins the following day. If I don’t have a good time, this is basically the worst possible scenario.

I’m not saying you should never go out and have a good time. To be happy we need socialization and excitement. My point is that we should always try to minimize the negative impact of our actions. I try to do this by minimizing the amount I drink and only going out when I know it will be enjoyable. Often we get caught in a pattern of poor investment. Over time, the benefits fade away and what remains is mostly negative, but we keep doing it out of habit. This can be avoided by periodically analyzing our behavior. Is it still a good investment, or is it time to make a change?
3. Utilize the Power of Compounding

I’m sure that everyone reading this understands the power of compound interest. When you invest money you earn interest. Then you start earning interest on the money you earned from interest. Over many years this continues to compound and eventually leads to a very large sum of money. The same concept applies to time. If you invest time by working hard when you’re young, you put yourself in a position to succeed that will continue compounding for the rest of your life. If you waste time when you’re young, you can’t make up for it later because you’ve lost the opportunity to utilize the power compounding.

Many people my age fail realize this, in fact I didn’t, or at least I didn’t act on it, until fairly recently. The primary reason is that we’re trapped in the childish mindset. As a child, your only responsibility is entertaining yourself. You needn’t worry about investing your time because Mommy and Daddy are there to take care of you and they’re usually happy as long as you stay out of trouble. These days many young adults ride the childish mindset straight through college. After graduation we’re expected to adopt the adult mindset (and the responsibility of investing our time) instantaneously. A lot of people don’t get it, and every year they waste trying to extend the college days is an opportunity that can never be replaced.

Many people think their time isn’t valuable when they aren’t working, so they throw it away on activities that have a poor return on investment and don’t build for the future. The truth is, no one else is going to consider your time valuable until you do. If you want to acquire the wealth that will provide the freedom to live your ideal lifestyle, start thinking of every decision as an investment. Nothing is insignificant.

One mental model that can help you make better decisions is imagining that your life is a corporation and you’re the only employee. If you were the CEO of John Doe Incorporated, and were obliged to maximize profit on behalf of investors, what would you make yourself do? You’ll find that this sort of analysis simplifies many decisions and increases return on investment.

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22 Things You Can Do Daily to Improve Your Life

There is no such thing as instant improvement in life. Instead, you can only grow yourself. And as you know in agriculture, growth can only happen little by little over time. Bare eyes won’t be able to see the growth of a tree daily, but over the years it will grow to a big tree.

Similarly, you grow yourself little by little everyday. The things that you do daily may seem small and insignificant, but overtime people will be surprised to learn how much you have growth in life.

streamingTherefore, to improve your life, the focus should be on the small things you do daily. The key word here is daily. If you do not have the persistence to do these small things consistently, you won’t be able to see the results over the long term.

So here I’d like to share 22 things you can do daily to improve your life. Of course, you may not be able to do them all at once. Just start with the ones that benefit you most. Or, if you have done many of them, consider doing the ones that you haven’t done yet.

Here they are:

1. Be observant of what is going on around you. Open your eyes and ears. This way a lot of fresh ideas will come to you.
2. Take notes of every idea that comes to your mind. Never let any idea goes uncaptured.
3. Try to learn something from the people you meet. Find something you can learn in their words, their attitude, or even their mistakes.
4. Bring a book or magazine wherever you go. This way you can use any gap time for reading.
5. Allocate a minimum of 30 minutes to read a book.
6. Meditate. It improves your clarity which in turn improves your effectiveness.
7. Take time to reflect on your day. What have you done right? What have you done wrong? What can you do to improve yourself?
8. Drink water a lot.
9. Exercise.
10. Read a collection of quotes. I like to use Random Quotations.
11. Choose a quote of the day to ponder and apply. Preferably, it should come from your personal list of quotes which contains the quotes that resonate most with you.
12. Take notes of every expense you make. This is an effective way to keep your finance under control.
13. Do something for the first time. Either find something new you have never done before, or find a new way to do something (e.g. taking a different route to work). This is to increase your mental capacity.
14. Effectively read online articles.
15. Use timer to help you actually do what you need to do. Actually doing is the key to productivity.
16. Learn to use a tool, either to improve your skill with a familiar tool or to learn a new tool. A good start is to learn the keyboard shortcuts of the software you usually use.
17. Take time to review your life purpose and goals, preferably before doing the main activities of the day.
18. Rise early.
19. Listen to educational or motivational audio program when you are doing activities which do not need full concentration. Examples of such activities are exercising, driving, and queuing.
20. Be grateful for your day. Being grateful helps you develop a positive attitude toward life.
21. Read a random article from Wikipedia to expose you to new things you may never know before.
22. Have fun. Having fun helps you be passionate about life.

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The 7 Energy Sinkholes (and How to Avoid Them)

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Energy sinkholes are situations that repeatedly drain your energy and stress you out. There are plenty of good reasons to invest your energy, so don’t waste your attention on a sinkhole. Unfortunately, it is often hard to see sinkholes since they rarely cause a drain all at once. Instead they slowly leech away at your lifeforce until your stressed, depressed and apathetic.

The best way to get out of these sinkholes is to get a routine. Having a preplanned method to handle these problems can keep your mind focused on more important things. Here are the big seven that may be stealing from you right now:

1 – Disorganization

Having to constantly find documents, forgetting commitments and appointments puts is a huge sinkhole. The solution out of this is simply to create a system for organizing and routinely tidy it up. You may have implemented a few systems, but here are some areas you might consider giving a clean-up:

* Computer hard-drive
* Calendar
* To-Do Lists
* Project Task Lists
* Office/Desk/Home
* Filing System
* Closets

2 – Poor Diet and Lack of Exercise

Exercising isn’t just to look good on the beach. Staying fit keeps your energy levels high. You can be slim and still be drained because you aren’t fit, so don’t use the scale as the measurement. Here are some things you might want to consider to get out of this energy trap:

1. Make a Routine – Find a gym partner, class or workout time that you can exercise at least 3-4 times per week. I’ve experimented with different amounts and found six days a week works best for me. If you are unsure how to start, just try it for thirty days to see how it goes.
2. Replace Foods One at a Time – Don’t try to overhaul your eating habits overnight. They’ve been established over years, so they can’t change in a snap. I recommend switching out one unhealthy food type for a month before making more changes. When you take it gradually it is far easier to stick with long-term.
3. Time Your Meals – The best way to eat would probably be 5-6 smaller meals spread throughout the day. Since this isn’t a reality for most people, a decent alternative is simply to time your meals so your blood sugar levels remain steady throughout the day. This will ensure you aren’t starving for some parts and fatigued from a big meal in others.

3 – Problem Contacts

We all have those few customers, clients and friends that cause a disproportionate amount of our stress. I say the best solution is simply to fire them. Cutting down on people who drain your energy can help you focus more productively on the rest. If a transaction is fair, then both parties should have the ability to opt out if it becomes too much of a hassle.

4 – Focusing on Your Weaknesses

My definition of a weakness is anything you aren’t interested in becoming skilled at. If you aren’t keen on improving, you can’t build strengths and any talent you do have will degrade. Don’t try to do everything and outsource the tasks that don’t fit within your strengths. Virtual Assistants and freelancers can deliver a much higher quality than you could on your own, and often their fees are less than the cost of your time.

5 – Squeaky Hinges

A squeaky hinge is any piece of technology that works, but has irritating side-effects. This could mean a computer that is too slow to run the programs you need. A dishwasher that doesn’t get all the food off. Or an alarm clock that isn’t loud enough.

If the solution to a squeaky hinge is cheap, fix it immediately. The costs will soon outweigh any replacement expenses. If the solution is expensive, write down the total cost and keep track of any wasted time/money due to the problem. Keep track of squeaks will make you aware of what the total cost is, and whether a replacement is warranted.

6 – Blog/E-Mail/Facebook Addiction

Information addiction can be a huge drain to your energy. I love using blogs, e-mail and social networking sites to get the latest news and keep in touch. But that love can quickly turn into an obsession if you aren’t careful. Soon you’re like the rat frantically pushing the lever for more cocaine doses as you hit Stumble one… more… time…

My solution was to designate a time for information inflow and keep it restricted to that time. Once per day is all I allow myself to read new RSS feeds, incoming e-mail and Facebook. For other stats and random surfing I limit myself to once per week. The result is more energy and almost no impact on communication.

7 – Pleasing People

Don’t waste your time trying to please the people around you. This isn’t an excuse to be an inconsiderate jerk, but put a high value on your time. Learn to say no to people who don’t show respect for your time. Helping other people is great, but it’s better to focus on serving the greatest good than simply appealing to the whims of your friends and family.

Don’t waste your energies trying to fit others expectations. Set your own dreams, standards and ambitions and make them your highest priority. When you’re nearing your end you’ll likely regret more the sacrifices you made to your individuality than how pleased your parents were of you.

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10 Ways to Build the Habit of Saving Money

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How much do you save? I hope you put money aside. You don’t? Neither did I until a few years ago. How do you become a money saver? I’ll first tell you how you don’t: Not by using discipline or willpower. Discipline and willpower only work in the short-term.

What works in the long-term is understanding your spending habits. Once you understand, you can change by building new habits. That’s how you become a money saver. And that’s the topic of this post — ten ways to build the habit of saving money.

1. Set a Goal. What do you want?

  • Do you want to have your own place?
  • Do you want to be financially independent?
  • Do you want to get out of debt?

A goal will give you a reason to save money. If you have multiple desires, start with one goal. Once achieved, set a second one.

2. Set a Deadline. Set a date by which you want your goal achieved. Write both on a piece of paper. Put it somewhere you can look at it multiple times a day — your nightstand, for example. Look at your goal and deadline on waking and before sleeping. It will remind you why you’re saving money.

3. Track Expenses. You probably have an idea of how much you spend, but unless you keep track of every cent, that idea is inaccurate at best. Here’s a simple way to track your expenses. You probably carry a phone wherever you go. Note everything you spend in your calendar. When you get home, copy everything to your personal finance tool. At the end of the month you’ll know exactly how much money you’ve spent and on what.

4. Analyze Costs. Check where your money goes. Reduce and remove costs. The first time you analyze your expenses can be shocking. The more the better. This is your first wake up call.

5. Make a Budget. Calculate how much money you need for:

  • Food
  • Rent
  • Bills
  • Clothes
  • Leisure
  • Etc

Remove costs from income. Now you know how much you can save each month. Even if it’s not much, it’s better than nothing.

6. Pay Yourself First. Make the first bill you pay each month the one to your savings account. Just like all your other bills, there’s no way around. You must pay it month after month, unless you’re in debt. Then the rule becomes: “Pay Your Debts First”.

7. Earn More Save More. Save a fixed percentage of your income. This way, as your income goes up, so will your savings. 20% is a good start. You can’t? Then you’re living beyond your means. Time to wake up.

8. Think Saving. If you have money left at the end of the month: save it. You don’t need to spend every cent earned. It’s okay to buy things. But make sure you really need them — don’t spend just for the sake of spending.

9. Wake Up. I wrote in the introduction that you need to understand your spending habits. You need to understand why you buy things. Do you buy things:

  • To impress people?
  • To be part of the group?
  • To fill other’s expectations?

Next time you buy something, ask yourself: Why am I buying this? What are my real motives? Don’t judge. Just notice.

It takes time, but once you get it, it’s eye-opening. Your life will be simpler and you’ll avoid many financial headaches. Trying to keep the pace with others is a never-ending game, one you can’t win. Wake up.

10. Read Get Rich Slowly. Your environment influences your personality, and thus your habits. If you want to build the habit of saving money, surround yourself with people who save money. Get Rich Slowly is a good place to start. Subscribe. Read it on a daily basis. J.D.’s tips will become your second nature. You’ll become a money saver in no time.

Bonus Tip: Write this next to your goal and deadline: If I don’t save now, I’ll never have money. No matter how much I earn.

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