Wealth Education

"What you Earn is Money.!
What gives you money forever is Wealth.!!!"

Join Wealth Education Session 1 [for creating huge Wealth] today.

e-mail: dinadevan@yahoo.com

for Participants registration form [Free]

Friday, August 1, 2008

Get a great body in 5 steps

Get a great body in 5 steps

Here are some interesting exercises that can be done at home easily without any equipment. Also you can do it wherever you want!

Do one to three sets of each exercise, with eight to 15 repetitions per set.

Step 1: The warm up

Leg lifts: Stand with your feet apart at hip width. Place your hands on your hips. Bend both knees slightly and shift most of your weight onto your left leg.

Keeping your knee slightly bent, lift your right leg up and out to the side, about six inches. Lower to the original position. Repeat with the right leg, then with the left.

Arm curls: Use hand weights or dumbbells. Hold a weight in each hand, arms at your sides, palms facing forward.

Stand with your feet apart at hip width, knees slightly bent. Curl the weights up to your shoulders, then lower to the original position.

Step 2: Stretch exercises

Hamstring stretch: Lie on the floor and stretch your legs. Raise your left leg, using a towel to assist, until you feel the tension in your hamstring. Hold. Repeat on other side.

Inner thigh stretches: Sit on floor; place the soles of your feet together. Drop your knees toward floor. Gradually, lower your torso towards the floor until you feel a gentle tension in your inner thighs. Release.

Modified hurdler: Sit on floor, right leg extended, left foot against the right knee. Lower your torso and reach for your ankle until your hamstring feels tight. Repeat on other side.

Step 3: Floor exercises

Crunches: Lie on the floor with your feet hip width apart. Cradle your head in your hands without lacing your fingers together and with your elbows pointed slightly inward.

Tilt your chin a little bit toward your chest and pull your abdominal muscles in. Exhale through your mouth as you curl your head, neck and shoulders up off the floor. Hold this position for a moment, then inhale as you return to your original position.

Squats: Stand tall with your feet apart at hip width, with your weight slightly back on your heels. Place your hands on your hips. Sit back and down as if you're sitting into a chair directly behind you. Lower as far as you can without leaning your upper body more than a few inches forward (this depends on your flexibility and your build).

If you can bend your knees far enough so that your thighs are parallel to the floor, stop. Don't allow your knees to travel out in front of your toes. Once you feel your upper body fold forward over your thighs, straighten your legs and stand up. Take care not to lock your knees as you complete the movement.

Push-ups: Lie on your stomach. Bend your knees and cross your ankles. Bend your elbows and place your palms on the floor, in front of your shoulders and a bit to the side. Straighten your arms and lift your body so you are balanced on your palms and knees.

Tuck your chin a few inches towards your chest so that your forehead faces the floor. Tighten your abdominal muscles. Bend your elbows and lower your entire body at once. Rather than trying to touch your chest to the floor, lower until your upper arms are parallel to the floor. Push back up.

Step 4: Stretching exercises

Dips: Sit at the edge of the desk or on a sturdy chair. Place your hands with the palms facing your body. Slide yourself off the seat and support yourself with just with your hands. Slowly lower yourself by bending your elbows until your upper arms are parallel to the floor, and then press yourself back.

Lunges: Stretch your legs a stride's distance apart. Slowly bend your knees until you are in a kneeling position with your knees not quite touching the floor. Don't look down; don't allow your knees to shoot out past your toes. Return to your original position.

Step 5: Face exercises

~ Tilt your head backwards. Let your upper lip cover your lower lip. Maintain the posture as you curl your tongue up inside the mouth and press it against your upper palette. Then smile.

~ This exercise helps to get rid of furrows and lines on the forehead. All you have to do is lift the eyebrows upward and open your eyes wider with each count.

~ Place the entire thumb inside your mouth, between the teeth of the upper jaw and the upper lip. Press the upper lip back into the teeth so that your thumb is squeezed

Management

Management Traps and How to Avoid Them

Much has been written about the secrets of good management and few will argue that the best managers are inspired, visionary, dedicated, industrious, energetic, energizing and display integrity, leadership, common sense and courage. So where is it that managers commonly fail or falter and lose their precious foothold on the corporation's top rungs? basic management traps and tips to avoid them:

Weak managers set weak goals

As a manager your role is to get specific jobs completed by employees in the most optimal, efficient and innovative manner and in order to do that, you need to set clear objectives. Successful managers set SMART goals - goals that are specific, measurable, achievable, realistic and time-based. They are able to communicate these goals clearly, simply and concisely to their employees so that none are vague or uncertain about expectations. By all means reach for the stars in your objectives but to do so without supplying employees with the training, resources, flexibility and freedom they need to accomplish their goals and a schedule of regular supervision and feedback is to set them (and yourself) up for failure.


Weak managers micro-manage - effective leaders inspire

The days of command and control organizations are long over - today's managers recognize that in order to leverage their skills and maximize their team's output they need to adopt a flexible approach and 'lead' their teams to excellence rather than closely supervise, instruct and control them. The best leaders communicate to their employees a vision and ignite in them the fire, motivation and desire to work towards making this vision a reality. Good leaders unleash their employees to innovate and achieve optimal solutions by communicating top-level goals and objectives and a suggested blueprint for success then leaving the employees to determine how to get there most optimally while ensuring they have the aptitudes, training, resources and work environment necessary to achieve superior results. While a program of regular feedback and supervision is essential, managers should ensure that their management style is not repressive, meddling or overly overbearing. The golden rule is to communicate the 'what' and the 'why' of the work that needs to be done and leave the employees to determine the 'how' without burdening them with strict instruction manuals or prescribed rules and patterns that are largely redundant and in conducive to speed, creativity, progress and innovation.


Weak managers are afraid of hiring/cultivating strong leaders

Strong leaders/managers have the self-confidence to hire the best people, take them to new levels and cultivate in them all the qualities needed to make them in turn effective leaders of the future. Weak leaders replicate themselves in their hiring decisions and hire mediocre players, mistakenly believing that an employee with more skills, acumen or industry knowledge than themselves will ultimately undermine them or make them look bad. The best managers are characterized by an ability to stimulate their employees to superior performance and through coaching, training, feedback as well as by example, inspire in them all the qualities needed to make effective managers. A good manager helps employees achieve their full potential and constantly raises the bar so that employees never stop learning, innovating and growing. Coaching, training, career planning and programs for ongoing growth and development of key staff are high on the priority lists of the best managers.


Weak managers belittle their employees

Bosses who favor the archaic 'tough' management style where employees are singled out for public reprimand and negative feedback is plentiful while recognition and positive reinforcement are scarce will fail to win the loyalty, respect and commitment of their teams over the long run. Without an inspired, fired up, self-confident employee base these managers set themselves and their teams up for failure. Effective leaders by contrast, respect their employees and give them regular feedback with intelligent constructive criticism and loudly laud special accomplishments in both public and private, while communicating any negative feedback ONLY in private and focusing such criticism strictly on the job performance, not the person's character. Strong leaders recognize and reward a job well done. These leaders inspire their teams to perform at their best and are able to elicit from them a high degree of loyalty and a 'hunger' to raise the bar and continuously excel. In such organizations, employees are not afraid to challenge their boss's ideas or upset the status qua in the interest of innovation and excellence and are encouraged to take risks to elevate the business to a new level. The autocrats and bureaucrats on the other hand sap their employees' self-confidence, drive and energy with their overbearing management style and fail to induce in them any motivation to raise the bar or excel.


Weak managers have obsolete skills-strong leaders constantly reinvent themselves


In today's knowledge-driven economies and highly competitive environment, skills, training and education rapidly become obsolete and effective managers know that they must constantly re-educate themselves and update their skills to maintain an edge. While over-confident managers with an inertia to further education fall by the wayside, good managers regularly take an honest inventory of their skills and abilities and upgrade their technical knowledge and soft skills wherever appropriate. They encourage their teams to do likewise with sound career planning and performance appraisal programs and an emphasis on training and self-education.


Weak managers have poor communication skills

Good communication includes cultivating and maintaining open channels of communication with the team and others in the organization, giving constructive, intelligent feedback, eliciting ideas through brainstorming sessions or otherwise, articulating the company vision and mission in no uncertain terms, setting clear objectives and listening attentively with an open-mind to employees grievances, suggestions and any other issues. Effective leaders have an open-door policy that welcomes input, suggestions and feedback from employees and recognize that good ideas and the next best idea/process/innovation can come from anywhere. Strong leaders listen; weak leaders talk. Strong leaders pay attention to their employees and encourage them to express professional opinions and ask for more responsibility; weak leaders think they are above such open-door policies. Employees who are not listened to and are not made to feel important or respected as professionals or individuals are unlikely to innovate or express any exciting new ideas that can move a company forward.


Weak managers blame

Everybody makes mistakes and strong leaders protect their good people from taking the fall when they err. Good bosses recognize that the occasional slip-ups are inevitable and can be learning opportunities and are ready to take personal responsibility when the team makes a misstep. A good boss realizes that his most promising employees want to succeed, will grow as a result of their mistakes and are unlikely to repeat the same mistakes. They do no set their people up as a negative example for the rest of the organization nor point fingers when the going gets tough. Good bosses are personally accountable for their actions as well as the actions of their subordinates and do not allow a culture of blame to permeate the organization.


Weak managers take full credit for their team's accomplishments

While weak leaders usurp all the credit for a job well done by their teams, the strongest leaders will give the full credit to the team as a whole or the team member responsible for the project. Strong leaders motivate, energize and inspire by giving credit where credit is due and being generous with reward and recognition wherever appropriate. Strong leaders publicly thank their employees for a job well done and recognize that a motivated, successful, energized team will reflect directly on the boss.


Weak managers thrive on bureaucracy

Weak leaders are fond of, augment and live well with the layers and bureaucratic shackles that tie an organization down; strong leaders remove them. Today's effective leaders recognize that in order to compete they must operate like a small company with a high level of speed, responsiveness and flexibility. They realize that to maintain their edge in today's marketplace their organization needs to be responsive to changing market conditions and remove the shackles, boundaries, layers, clutter and obsolete policies, procedures and routines that get in the way of the freedom and free flow of people, resources and ideas.


Weak managers are divorced from their teams

Effective managers genuinely care about their employees and take the time to get to know them and to understand their strengths, weaknesses, what makes them tick and their goals and ambitions. They also take the time to learn something about their personal life. While weak managers will maintain an outdated aloofness and a formal distance from their teams, exceptional managers are able to bring out the best in every employee and win their loyalty and respect by understanding their unique needs, motivations and abilities and showing the team that they are important and personally significant. Strong managers are team players and through their constant involvement with their teams communicate to them that they are there for them and supportive of them. Effective managers by building a supportive work environment, build a camaraderie and team spirit that enthuses and excites the team to new levels of performance.

Stress Free Life!

Improve Your Posture for a Stress Free Life!
Aug 29, 2008

X Marks the Walk! Are you worried about looking like a hunchback? Here’s a pain free and effective method for safely assuming a ‘correct’ posture and improving muscle tone.

As a great side benefit, it would improve your self esteem and attitude! You will appear and feel more confident which improves your attitude and mood!

1. Know what good posture is believed to be. Most people think that to “stand up straight” means tensing your back to heave your chest ‘in and up’, and pulling your head back in to your chest. This is not so. The spine has two natural curves that you need to maintain called the ‘double C’ or ‘S’ curves, these are the curves found from the base of your head to your shoulders and the curve from the upper back to the base of the spine. When standing straight up, make sure that your weight is evenly distributed on your feet. You might feel like you are leaning forward, and look stupid, but you don’t. [This needs an image]
2. Using a mirror, align your ears, shoulders, and hips. [This needs an image] Proper alignment places your ears loosely above your shoulders, above your hips. Again, these points make a straight line, but the spine itself curves in a slight ‘S’. You’ll find that this doesn’t hurt at all. If you do experience pain, look at your side view in a mirror to see if you’re forcing your back into an unnatural position. If so, stop it!
3. Do exercises that strengthen the muscles across your upper back and shoulders. These do not have to be strenuous! Try the following, with or without hand weights:
* Align your ears over your shoulders. Raise both arms straight up, alongside your ears. Remember to keep your ears aligned! Bend forearms toward shoulders to touch your shoulder blades. Do 10 repetitions with both arms, then alternate 10 reps for each arm singularly.
* Align ears with shoulders. Raise both arms out to sides at shoulder length. Hold for a slow count of ten. Slowly lower arms to sides, counting ten as you lower. Slowly raise arms back to shoulder height, counting to ten as you raise arms. Do ten reps, constantly checking your alignment! If ten reps are too many to start, do as many as you can. You should at least feel a slight fatigue in the shoulder muscles.
* Be a penguin. While you wait for a web page to load, toast to pop, or the microwave to beep, place elbows at your side, and touch your shoulders with your hands. Keeping your hands on your shoulders, and your ears aligned, raise both elbows (count one, two) and lower them back to your waist (count one, two). Do as many reps as your wait allows. You’ll be surprised how much exercise fits into 30 seconds.
4. Do stretches. This can greatly help if you find that you have a sore back or neck after a while.
* Tilt (stretch) your head in all four directions over your shoulders (forward, back, left, right), and gently massage your neck. Avoid rolling in a circle, as it may cause further strain.
* On your hands and knees, curl your back upwards, like a cat, and then the opposite. Think about being able to place a bowl in the hollow of your back.
5. Repeat the exercises a few times each day. Doing them in the morning helps your body stretch out the muscle lethargy of sleep, and periodically throughout the day helps raise your energy level without a heavy workout.
6. Doing yoga is also excellent for posture. You can take a class or find a good workout video.

Sitting

1. Sit in an office chair.
2. Align your back with the back of the office chair. Avoid slouching or leaning forward, especially when tired from sitting in the office chair for long periods. Keep your shoulders straight.
3. Flex your arms at a 75 to 90 degree angle at the elbows. You may have to adjust the office chair.
4. Make sure your neck, back, and heels are all aligned.
5. Keep both feet flat on the floor. If there’s a problem with feet reaching the floor comfortably, a footrest can be used along with the office chair.

Standing

1. Stand with weight mostly on the balls of the feet, not with weight on the heels. Avoid locking your knees.
2. Keep feet slightly apart, about shoulder-width.
3. Let arms hang naturally down the sides of the body.
4. Tuck the chin in a little to keep the head level. Be sure the head is square on top of the neck and spine, not pushed out forward
5. Stand straight and tall, with shoulders upright.
6. Stand against a wall with shoulders and bottom touching wall. In this position, the back of the head should also touch the wall - if it does not, the head is carried too far forward (anterior head carriage).

Walking

1. Keep the head up and eyes looking straight ahead. Avoid pushing your head forward.
2. Keep shoulders properly aligned with the rest of the body.

Carrying Objects

1. Always bend at the knees, not the waist.
2. Use the large leg and stomach muscles for lifting, not the lower back.
3. If necessary, get a supportive belt to help maintain good posture while lifting.
4. When carrying a heavy or large object, keep it close to the chest.
5. If carrying something with one arm, switch arms frequently.
6. When carrying a backpack or purse, keep it as light as possible, and balance the weight on both sides as much as possible, or alternate from side to side.

Driving

1. Sit with the back firmly against the seat for proper back support. The seat should be a proper distance from the pedals and steering wheel to avoid leaning forward or reaching.
2. The headrest should support the middle of the head to keep it upright. Tilt the headrest forward if possible to make sure that the head-to-headrest distance is not more than four inches.

Sleeping

1. A relatively firm mattress is generally best for proper back support, although individual preference is very important.
2. Sleeping on the side or back is usually more comfortable for the back than sleeping on the stomach.
3. Use a pillow to provide proper support and alignment for the head and shoulders.
4. Consider putting a rolled-up towel under the neck and a pillow under the knees to better support the spine.
5. If sleeping on the side, a relatively flat pillow placed between the legs will help keep the spine aligned and straight.

A great side benefit of keeping your head straight, and your ears/shoulders/hips aligned is an improvement in your self-esteem and attitude. If you walk with your head up, you appear more confident, and feel more confident, which improves your attitude and mood, making it easier to walk with your head up.

Flat Stomach

Secrets For a Flat Stomach
June 10, 2008

Flat Stomach Developing a lean, flat stomach takes time and patience, especially when it comes to those last few kilograms in those hard to lose places. There is only one way to lose fat in the so-called ’stubborn areas,’ and that is with the correct combination strength training (with a extra focus on mid-section), cardiovascular exercise (short, hard workouts), and stable blood sugar (keeps you from adding additional fat and makes it easier for the body to use body fat for fuel).

Spot Reduction is a Myth - The first thing you need to realize is that it is impossible to ’spot reduce’ fat from one specific part of the body. Fat loss occurs systemically, meaning that you can’t control where the fat comes from. When you burn fat for energy, you will draw it from all areas of the body, and the first place you tend to put it on will be the last place it comes off.

cardio - Doing all the abs exercises in the world will do nothing if you have a layer of fat covering it. Doing strength training, or lifting weights, would help, but not as much as aerobic exercise. If you want to add some ab exercises in after the cardio, that’s great, but be sure to work your whole torso, not just the upper abs — that includes the lower abs, lower back and the muscles that wrap around your sides.

For example, Walking, jogging, bicycling, elliptical exercise and stair climbing are all great fat burners. Most give up early in the workout. During the first 10 minutes of aerobic activity, glycogen (stored carbohydrates) is the primary fuel source. Because you don’t burn significant amounts of fat until glycogen stores are depleted, the key to maximum fat loss is to work out aerobically for 30-60 minutes continuously per session.

Diet - Its best to stay away from fried food and too many sugary desserts. Abdominal fat loss is a 50% exercise, 50% nutrition combination. Regardless of how much you workout, if the number of calories you take in is greater than the amount you burn, you’ll still put on abdominal fat.

Eat Small Meals Regularly - You should try and spread your calories out into five small meals a day instead of 2 or 3 big ones so that you don’t overeat in one feeding.

Give it Time - If you want to have a flat stomach in 3 weeks, forget it. Losing fat takes time, and it’s unhealthy to lose too much weight too fast. Gradual weight loss is healthier, and more likely to be sustained over time. Go for a lifestyle change, something you can live with for the rest of your life, or you will just yo-yo. It’s a marathon, not a sprint.

Feel free to share your tips and stories in the comments section below!

Weight

8 Tips to Take Control of Your Weight
Aug 13, 2008

Fat boy: Anyone who is overweight will testify that losing weight is not as easy as it seems. The people that are lean, or have gone from fat to skinny will say it’s just a matter of motivation and elbow grease. Although it is not as simple as that. Our environments have waged war on us. Their weapons are sedentary lives and trans fats of mass destruction. All is not lost though, here are some quick simple tips to get ahead!

1. Substitute Water. Our bodies are about 65-70% water. It follows that water would be not only essential, but the best possibly choice of liquids to ingest. In fact, our bodies will sometimes simulate a hunger response, when in reality the body is craving hydration. When hungry, drink a glass or two of water to check if it suppresses your hunger.
2. Chew Your Food. Chewing our food very slowly and deliberately has several benefits that are often overlooked. It gives us the ability to relax, and enjoy our meal. Slow chewing is the first, and highly important, step in a complex system of digestion. Besides, if we eat slowly, we might feel full before finishing the whole meal, and can leave the rest for the next meal.
3. Exercise daily. How silly of me to include something as obvious as exercise. I did a 30 day trial with waking up, and walking for 30 minutes first thing in the morning. My journal records that I was feeling amazing during the period of time that I was following this habit.
4. Publicize your intentions. Start a blog, join a forum, and have other people keep you accountable to help. Tell other people your plan, it would help you get the motivation to go with it!
5. Create a food schedule. Plan your day so that you’re eating at approximately the same time each day. This scheduling will incorporate itself into your circadian rhythm, and aid in digestion.
6. Do not over eat. Know your limit and stop eating when you are full. I have often been a victim of wanting to finish a meal so that it doesn’t go to waste. This has left me with many a stomach ache. Next time, doggy bag it for later, and don’t hurt yourself!
7. Choose your snacks wisely. Put down the Lays® and cheese puffs. Pick up the apple and baby carrots. Make the right decision, I know you can do it.
8. Lifestyle. Remember, it’s not about special diets, or special exercise programs. The real secret is in turning your health into a lifestyle, and focusing on this healthy lifestyle with every choice you make.

Friendships!

Guide to Cultivating Fabulous Friendships!
May 21, 2008

A good friend is a connection to life - a tie to the past, a road to the future, the key to sanity in a totally insane world.

Few people would dispute the benefits of friendship. Friendship cannot be created once. It must be created over and over again. People and priorities change. What worked yesterday may not work today. We must nurture our friendships so they may flourish with us through our changing lives, and that’s where this guide comes in. The problem seems to be how to fit our friends into an already overcrowded life.

Choose friends wisely. Focus your energy on people who make you feel good.
We all know the saying, “you can’t choose your family”. So, make sure you’re smart and choose friends who are worthy of your valuable time and attention. It sounds harsh, but you cannot keep every friend you have ever made. No one has the time and energy for that. If you don’t consciously choose which relationships to focus on, you’ll spread yourself too thin and you’ll have less to give to those who deserve it most.

Do not be fooled by glamor and street cred. A person’s behavior is much more important than their words or how they represent themselves. Surround yourself with people who reflect the person you want to be. Choose friends you are proud to know, people you admire, who love and respect you. People who make your day a little sunnier, simply by being in it.

Make time. Prioritize Relationships.
If you have to really think about the last time you were in contact with a friend, then it was too long ago. Life can run at a crazy pace. We may think of people, then something comes up and we never call them. The month ends, another comes along, and again that call is never made. This is how relationships peter out. It starts to feel easier to walk away than struggle back through the neglect.

Don’t fall into the habit of thinking I’ll “try and find the time”. It’s a cop-out. You cannot find time. You make time. Every day you decide where to put your attention, and those activities will in turn create your day, your week and eventually your life. Be mindful of where you focus your time and energy. Does this match your values and how you want your life to be? There’s no use saying “my family and friends are the most important thing” if you work 80 hours a week and never see them. Be conscious of how you spend your time and choose to prioritize the people in your life.

The easiest way to make time for friends is to organize future gatherings while you are all together. Make time for that first meeting, and then work out the timing of the next one. That way you’ll manage to regularly see each other and there is less stress all round. The reality is most of our relationships need work. Make the time to send an email or give a quick phone call to show your friends they matter. Otherwise how will they know?

Treat others how you want to be treated.
This is one of the first lessons my mother taught me, and it is probably the most important. You may have heard of the law of attraction, which states that what we project to the world will be sent right back to us. This means you must decide what qualities are important to you, because you cannot receive what you do not give.

Personally, I don’t think you can go past honesty, loyalty and integrity as a foundation for choosing friends. Be considerate. Don’t make plans you won’t keep. Be a safe haven for your friends, someone they can rely on. What qualities rank highly for you? Do you just want some laughs every now and then, or people who will be there for you when life throws you a curve ball?

Have fun. Share rituals. Laugh Often.
Any long term relationship, friendships included, can fall into a rut. Take the time to have fun, maybe do the activities you loved when you were young. If life isn’t fun, then what’s the point? Misery shared is still… well, misery. Focus on joy and laughter and your friendships will stay a positive presence in your life.

Hold onto rituals. They connect you with your friends and your youth. Shared memories help define our life and how we see ourselves. Don’t throw them away just because they’re getting harder to manage. The key is to negotiate. Maybe you used to have weekly poker games, but now you have three kids, so what do you do? Have the poker games once a month, and let your partner also have a night out to re-connect with their friends. You’ll both benefit.

Accept people the way they are. Suspend judgment.
Some people are good with phone calls, others are not. Some people always know the right thing to say, others seem to have a knack for getting it all wrong. The key with managing friendships and reducing conflict is to accept people the way they are. We all have different strengths and weaknesses. Fighting your friends’ natural personality is a losing battle. We cannot control other people, and frankly, we have no right to try. The sooner we accept this, the easier all our relationships become.

Respect boundaries.
Don’t criticize your friend’s partner, children, parenting style or family. This is always a no, no. We may all like to rant about our loved ones, but we do not want to hear anyone else do it. This is a golden rule. Stencil it on your forehead if you must.

There will be disagreements. Stay calm. Don’t make mountains out of molehills.
Drama is a part of life, but we don’t have to wallow in it. Things happen, ugly words can be exchanged. This is the nature of human relationships. Before you react to a hurtful situation with a friend, always stop and breathe. Try not to react in anger. Express your feelings honestly, but calmly. I’m not saying that it’s easy, but it is the best way to minimize conflict and angst in life. And bottling up feelings doesn’t help either. They just fester and we stay angry and are unable to move on.

Accept that friendships change and sometimes end.
Although I’ve had the majority of my friendships since I was a teenager, there are times in life when people change enough as to have nothing in common anymore. Sometimes this is temporary, other times it’s not. Either way, the best thing you can do when a relationship falters is to let it go. That doesn’t mean immediately deciding not to see each other anymore. Letting go means choosing to see the friendship as it is now, and releasing the need for it to be something else. Relationships have an energy of their own. They can ebb and flow. Sometimes you’re not quite clicking, other times you are. Petering out friendships can be very stressful, but change is a part of life and relationships which do end can still be treasured for what they brought before. They don’t have to be a mistake. And every time a gap appears, life will usually move in to fill it. Maybe this will be in the form of a new friend, or a even better relationship with yourself. Keep an open mind and an open heart, and wait and see

Treat yourself with kindness and respect, and others will do the same.
This is probably the most important point. You cannot be a friend to others, if you are not a friend to yourself. Have you ever noticed that some people are taken advantage of by everyone. They attract users and frauds like honey. This is not a coincidence. If you want other people to treat you with respect, then you need to be the first person in line to respect yourself. Being a good friend does not mean being a doormat. The kinder you are to yourself the happier you will be. The happier you are, the more you have to give to others. It is one big merry-go-round of happiness. Join the ride.

Financial Freedom

Simple Mantras to Secure Financial Freedom
May 29, 2008

“A successful investor is not one who never loses, but who stays invested in the market.”

Contrary to popular belief, one does not have to earn a lot of money to become wealthy. Here are some simple Mantras to secure your financial freedom!

Don't procrastinate on wealth creation - Many people procrastinate on saving money. They always wait for the next year, next increment, next bonus to start savings and then the cycle repeats again. You do not need to start investing large amounts, start small. Even a years delay makes a huge difference as wealth compounds with time.

Pre pone Investments, Postpone expenses - Set targets on how much you want to invest and invest it as soon as you get the money. Do not spend first and save (whatever is left) later.

You do not need crores - It’s a myth that you need lots of money to start investing. Even small amounts over time become large due to the magic of compounding.

Go for the long term - Especially in Equity it is important to invest for the long term. They give the best returns in the long term. For short term look at debt.

Invest Regularly - This is very important. You can invest in SIP’s which average out your risk. For eg. investing 10,000 rupees a month would yield 1 crore in 15 years at a annual rate of 20%.

Don’t link your lifestyle to stock market - When the stock market is rising, our notional wealth increases. Soon we start believing that growth of our wealth is real and long term. This false state of suddenly feeling wealthy leads to change in lifestyle. One of the perils of increasing expenses on your lifestyle during stock market boom is that we get used to comforts and luxuries in life. When economic situation turns bad we will then struggle to curtail our expenses. In fact in reality while markets are rising, we should control our expenses and let our wealth grow. On the other hand when equity markets are down, our wealth is not growing in real terms. Things are also cheaper generally during such periods.

Ignore Rumors - If you are confident about the company you have invested in, leave it. Ignore rumors.

Research & Learn - Learn about budgeting, credit, and debt. Learn how credit cards work! If you get into debt early it can sabotage your progress. Whenever you buy a stock or fund, don’t do it on a tip or whim, but do solid research to back up your buy. Investing can be very interesting and rewarding!

How to Be Charming & Charismatic

How to Be Charming & Charismatic
Aug 11, 2008

Have you ever noticed how some people captivate everyone they speak to? No matter what they look like or how much money they have, they can walk into a room and instantly be the center of attention. When they leave, people think highly of them and want to emulate them. That’s charisma, a sort of magnetism that inspires confidence and adoration.

Like beauty, luck, and social position, charisma can open many doors in life. Unlike these other qualities, anyone can become more charismatic.

1. Improve your posture. Good posture will give the impression of self confidence (even if you don’t feel that way on the inside). While walking, maintain a relaxed yet definitive upright posture: spine long, shoulders back, head level with the ground. This may feel awkward or overpowering to you when you first practice it, but keep trying.
2. Relax the muscles in your face to the point where you have a natural, pleasant expression permanently engraved there. Face the world and show everyone you’re not afraid.
3. Make a connection. When your eyes come in contact with another person’s, nod and smile subtly with a subdued joy shining forth. Don’t worry about the other person’s reaction and don’t overdo it.
4. Remember people’s names when you meet them for the first time. This takes an enormous amount of effort for most people. Repeat the person’s name when stating your name to that person will help you to remember it better. For example: “Hi Jack, I’m Wendy.” Follow through with small talk and repeat the person’s name. Repeat it once more when you say goodbye. It’s not just about helping you to remember that person. The more you say a person’s name, the more that person will feel that you like them and the greater the chance they’ll warm up to you.
5. Be interested in people. If you meet a new acquaintance, for example a coworker, a classmate, a friend of a friend, etc. find out about their immediate family and interests. Be sure to ask after the names of family members and remember them. Be careful in that subject though you don’t want to be nosy. If you ask too much they will become uncomfortable. Also ask after their particular interests in life. These two topics will ensure much better small talk than just harping on about school or work. Most people don’t like to think about those things at social occasions unless they have to. Even if it is about networking, you should understand fully the worth of taking a break from talking shop. It is important to refrain from talking up about yourself. Be purely interested and impressed by the person with whom you are speaking.
6. Orient topics toward the audience. This means taking into account topics that interest those around you, even if you are not so keen on them. If you are in a sporty crowd, talk about last night’s game or the meteoric rise of a new team. If you are amongst a group of hobbyists, draw out their hobbies and make remarks related to fishing, knitting, mountain climbing, movies, etc. Nobody expects you to be an expert. It is your level of interest and willingness to engage in topics that makes you an interesting person to be around. Exercise an open mind. Let others do the explaining. If someone mistakenly thinks you know more about the topic, be genuine and simply say that your knowledge is limited but that you are hoping to learn more about it.
7. Praise others instead of gossiping. If you are talking with someone or you are talking in a group of people, and up pops the subject of another person in a positive or negative way, be the one to mention something you like about that person. Hearsay is the most powerful tool in gaining charm because it is always viewed as 100% sincere. It has the added benefit of creating trust in you. The idea will spread that you never have a bad word to say about anyone. Everyone will know that their reputation is safe with you.
8. Don’t Lie. A lie is something you say for which there is some direct evidence somewhere out there that contradicts it. If you tell Mary that you like Jane and Billy that you don’t like Jane, Mary and Billy will talk and your reputation will be ruined. No one will believe a word you say.
9. Issue compliments generously, especially to raise others’ self esteem. Try to pick out something that you appreciate in any situation and verbally express that appreciation. If you like something or someone, find a creative way to say it and say it immediately. If you wait too long, it may be viewed as insincere and badly timed, especially if others have beaten you to it. If you notice that someone is putting a lot of effort into something, compliment it, even if you feel that there is room for improvement. If you notice that someone has changed something about themselves haircut, manner of dress) notice it, and point out something you like about it. If you are asked directly, be charming and deflect the question with a very general compliment.
10. Be gracious in accepting compliments. Get out of the habit of assuming that the compliment is being given without genuine intent. Even when someone makes a compliment out of contempt, there is always a germ of jealous truth hiding in their own heart. Be effusive in accepting the compliment. Go beyond a mere “thank you” and enjoin this with “I’m glad you like it” or “It is so kind of you to have noticed.” These are “compliments in return.” Avoid backhanding a compliment. There is nothing worse to a person complimenting than to receive the response “Oh well I wish I was as ______ as you/that situation.” That is tantamount to saying, “No, I am not what you are saying I am, and your judgment is wrong.”
11. Control your tone of voice. The tone of your voice is crucial. Most people feel insecure somewhere inside and have an inability to accept praise. For this very reason, when you praise, do it subtly and glibly. When you say, “you look nice today” it should be in the exact same tone that you would use to say “it’s a nice day.” Any variation from your normal tone will arouse suspicion about your sincerity. Practice giving compliments into a recorder and play it back. Does it sound sincere? Practice until you get it right.. It might not sound right to you, in that case, ask someone for judgment.

Tips

* Developing charisma is an art. The general guidelines above can help you be more charismatic, but your charisma must come from within you and must reflect you as an individual or it will appear fake. Fortunately, everyone has the ability to be charismatic, and it simply needs to be coaxed out. Practice and take note of what works and what needs improvement.
* Don’t mimic others. People with well developed charisma have a remarkable ability not only to sway people’s opinions but also to cause others to emulate their personalities and even gestures. At the same time, however, research has shown that charismatic people do not emulate other charismatic people. Their individuality sets them apart.
* Have a message. Don’t be afraid to be controversial, to push the envelope. If you believe in something or feel strongly about it, communicate that in a respectful way. Your charisma will help people be accepting of your ideas.

Memory Improve

How to Improve Your Memory & Exercise Your Brain
May 7, 2008

Everyone can take steps to improve their memory, and with time and practice most people can gain the ability to memorize seemingly impossible amounts of information. Whether you want to win the World Memory Championships, ace your history test, or simply remember where you put your keys, this article can get you started. Scientists believe that exercising your brain can create a ‘cognitive reserve’ that will help you stay sharp as you age.

1. Convince yourself that you do have a good memory that will improve. Too many people get stuck here and convince themselves that their memory is bad, that they are just not good with names, that numbers just slip out of their minds for some reason. Erase those thoughts and vow to improve your memory. Commit yourself to the task and bask in your achievements — it’s hard to keep motivated if you beat yourself down every time you make a little bit of progress.

2. Keep your brain active. The brain is not a muscle, but regularly “exercising” the brain actually does keep it growing and spurs the development of new nerve connections that can help improve memory. By developing new mental skills—especially complex ones such as learning a new language or learning to play a new musical instrument—and challenging your brain with puzzles and games you can keep your brain active and improve its physiological functioning.
3. Exercise daily. Regular aerobic exercise improves circulation and efficiency throughout the body, including in the brain, and can help ward off the memory loss that comes with aging. Exercise also makes you more alert and relaxed, and can thereby improve your memory uptake, allowing you to take better mental “pictures.”
4. Reduce stress. Chronic stress, although it does not physically damage the brain, can make remembering much more difficult. Even temporary stresses can make it more difficult to effectively focus on concepts and observe things. Try to relax, regularly practice yoga or other stretching exercises, and see a doctor if you have severe chronic stress.
5. Eat well and eat right. There are a lot of herbal supplements on the market that claim to improve memory, but none have yet been shown to be effective in clinical tests (although small studies have shown some promising results for ginkgo Bilbao and phosphatidyl serine). A healthy diet, however, contributes to a healthy brain, and foods containing antioxidants—broccoli, blueberries, spinach, and berries, for example—and Omega-3 fatty acids appear to promote healthy brain functioning. Feed your brain with such supplements as Thiamine, Vitamin E, Niacin and Vitamin B-6. Grazing, eating 5 or 6 small meals throughout the day instead of 3 large meals, also seems to improve mental functioning (including memory) by limiting dips in blood sugar, which may negatively affect the brain.

6. Take better pictures. Often we forget things not because our memory is bad, but rather because our observational skills need work. One common situation where this occurs (and which almost everyone can relate to) is meeting new people. Often we don’t really learn people’s names at first because we aren’t really concentrating on remembering them. You’ll find that if you make a conscious effort to remember such things, you’ll do much better. One way to train yourself to be more observant is to look at an unfamiliar photograph for a few seconds and then turn the photograph over and describe or write down as many details as you can about the photograph. Try closing your eyes and picturing the photo in your mind. Use a new photograph each time you try this exercise, and with regular practice you will find you’re able to remember more details with even shorter glimpses of the photos.
7. Give yourself time to form a memory. Memories are very fragile in the short-term, and distractions can make you quickly forget something as simple as a phone number. The key to avoid losing memories before you can even form them is to be able to focus on the thing to be remembered for a while without thinking about other things, so when you’re trying to remember something, avoid distractions and complicated tasks for a few minutes.

8. Create vivid, memorable images. You remember information more easily if you can visualize it. If you want to associate a child with a book, try not to visualize the child reading the book – that’s too simple and forgettable. Instead, come up with something more jarring, something that sticks, like the book chasing the child, or the child eating the book. It’s your mind – make the images as shocking and emotional as possible to keep the associations strong.

9. Repeat things you need to learn. The more times you hear, see, or think about something, the more surely you’ll remember it, right? It’s a no-brainier. When you want to remember something, be it your new coworker’s name or your best friend’s birthday, repeat it, either out loud or silently. Try writing it down; think about it.

10. Group things you need to remember. Random lists of things (a shopping list, for example) can be especially difficult to remember. To make it easier, try categorizing the individual things from the list. If you can remember that, among other things, you wanted to buy four different kinds of vegetables, you’ll find it easier to remember all four.

11. Organize your life. Keep items that you frequently need, such as keys and eyeglasses, in the same place every time. Use an electronic organizer or daily planner to keep track of appointments, due dates for bills, and other tasks. Keep phone numbers and addresses in an address book or enter them into your computer or cell phone. Improved organization can help free up your powers of concentration so that you can remember less routine things. Even if being organized doesn’t improve your memory, you’ll receive a lot of the same benefits (i.e. you won’t have to search for your keys anymore).

12. Try meditation. Research now suggests that people who regularly practice “mindfulness” meditation are able to focus better and may have better memories. Mindfulness (also known as awareness or insight meditation) is the type commonly practiced in Western countries and is easy to learn. Studies at Massachusetts General Hospital show that regular meditation thickens the cerebral cortex in the brain by increasing the blood flow to that region. Some researchers believe this can enhance attention span, focus, and memory.

13. Sleep well. The amount of sleep we get affects the brain’s ability to recall recently learned information. Getting a good night’s sleep – a minimum of seven hours a night – may improve your short-term memory and long-term relational memory, according to recent studies conducted at the Harvard Medical School.

14. Build your memorization arsenal. Learn pegs, memory palaces, and the Dominic System. These techniques form the foundation for mnemonic techniques, and will visibly improve your memory.

15. Venture out and learn from your mistakes. Go ahead and take a stab at memorizing the first one hundred digits of pi, or, if you’ve done that already, the first one thousand. Memorize the monarchs of England through your memory palaces, or your grocery list through visualization. Through diligent effort you will eventually master the art of memorization.

Tips to Motivate Yourself to Exercise

Simple Tips to Motivate Yourself to Exercise
June 24, 2008

“80 percent of success is showing up.” - Woody Allen

You know you need to work out, but you’re having trouble getting up the enthusiasm. How do you find motivation to exercise when you just don’t feel like getting off your butt? I ask myself this question every now and then, and I have the feeling I’m not the only one.

There are a million ways to motivate yourself to exercise, actually, but these are a few that have worked for me.

* Have fun. If you hate running, don’t go to the track for exercise. Find something you like. The list of different kinds of exercises are nearly endless. The only really important thing is to get your body moving and your heart rate up.
* How you feel after a workout. I always feel great after a good workout. It’s a high. And I let that motivate me the next time.
* Calories burned. If you count calories (and it’s really one of the most effective ways to lose weight), you know that the more you exercise, the more calories you burn — and the bigger your calorie deficit.
* How you’re going to look. Imagine a slimmer, fitter you. Now let that visualization drive you.
* Change it up. Even if you have a routine you enjoy, mix it up from time to time. Try entirely different exercises. You can check out a tape at the library and try yoga or kick boxing for an afternoon. This will not only keep you interested, it will break your muscles out of their routine and help produce better results.
* Get a buddy. Exercising with a friend introduces a positive kind of peer pressure. You will be more likely to go to the gym if you know someone is waiting there for you. Talking and laughing while exercising will also keep you from being bored.
* An exercise log/graph. For some reason, writing it down is extremely important. Really. Do it for a week and you’ll see what I mean.
* Get appropriate clothing. If you don’t have the appropriate clothes for the exercise, it can be irritating, uncomfortable, frustrating, or even unsafe. If you exercise outside after dusk, be sure you have reflective clothing to prevent traffic accidents. Also be sure the clothing looks nice; if you don’t like the way your clothing looks, you may feel uncomfortable, and less likely to exercise.
* Pack Ahead of Time: An iPod, athletic shoes, a towel… whatever. Walking around the house trying to find stuff is a good time to lose your resolve. Put everything together in your gym bag. When you finish working out, take out things that need to be laundered and replace them immediately.
* Have a Goal. What do you want to achieve? Make it specific, make it meaningful, make it obtainable. Be sure to have short-term benchmarks along the way. It’s OK to change your goals if the original plan doesn’t work, but have a goal. Regularly evaluate how you are doing on your goals.
* Success stories. I find the success stories of others incredibly inspirational. If a fitness website has success stories, I’ll almost always read them.
* Reward Yourself. Have a healthy reward when you reach a goal. Buy yourself that cute pair of bike shorts. Go for a weekend hiking trio. Soak in the sauna for your “workout” that day. Buy a new yoga video. Whatever works for you to celebrate in line with your healthy lifestyle!