Source -
http://pgcare.blogspot.com/2010/06/control-impulse-spending-with-30-day.html
I made a trip to Costco to buy business supplies last week. While browsing the software, I spotted the latest version of Quicken. I picked up the box and looked at the list of new features. I felt that urge creep upon me — the urge to spend. “Maybe the Mac version is out, too,” I thought. “I should stop by Fry’s to check.”Then I thought of the $50 it would cost to upgrade. I thought how Quicken 2004 has served me well for three years. I began to have doubts. “I’ll use the 30-day rule,” I told myself. “If I still want this next month, I’ll buy it.”
The 30-day rule is a simple method to control impulse spending. Here’s how it works:
1. Whenever you feel the urge to splurge — whether it’s for new shoes, a new videogame, or a new car — force yourself to stop. If you’re already holding the item, put it back. Leave the store.
2. When you get home, take a piece of paper and write down the name of the item, the store where you found it, and the price. Also write down the date.
3. Now post this note someplace obvious: a calendar, the fridge, a bulletin board. (I use a text file on my computer.)
4. For the next thirty days, think whether you really want the item, but do not buy it.
5. If, at the end of a month, the urge is still there, then consider purchasing it. (But do not use credit to do so.)That’s all there is to it. But it’s surprisingly effective.
The 30-day rule works especially well because you aren’t actually denying yourself — you’re simply delaying gratification. This rule has another advantage: it gives you a chance to research the item you want to purchase. This can save you from grief.
For example, after returning from my Costco trip last week, I checked the reviews on Amazon. Quicken 2007 for Mac gets 1-1/2 stars! Yikes! Still, I added it to my wishlist. A month from now, if I still feel I need it, I may allow myself to buy it.
I began using the 30-day rule about two years ago. I don’t always remember to follow it, but when I do, it works well. Sometimes my urge to spend is gone by the time I get home. Sometimes the urge grows stronger for a week or two, but then subsides completely. It’s rare that I decide I need something after thirty days of waiting.
Thursday, June 10, 2010
Trust in Relationships
Sumber - http://pgcare.blogspot.com
Source:http://www.selfgrowth.com/articles/Trust_In_Relationships.html
In my work with couples, I often find a lack of trust at the root of many challenges they report.Trust is a VerbWe have been taught to believe trust is a commodity to be earned by others. Once they have passed certain tests, then we feel safe to extend our trust.
I would like to entertain the idea that trust can be a verb, rather than a noun. It’s a choice you make and says much more about you than it does the person to whom you are extending that trust.When you are involved in a relationship and you say you trust that person, it is more than a noun. It's not just a thing you extend to a person like a gift—it is followed up with behaviors—things you do and things you don't do.
When you trust someone, you know he or she will do the right thing. You know they have their affairs (no pun intended) under control. They are faithful and loyal. You don't need constant reassurance of this—you just know.What you don't do is constantly grill a person about where he or she is and with whom he or she is spending time. You don't have him or her followed looking for proof of infidelity. You don't snoop around in his or her personal belongings or private places. You trust that he or she can be trusted.
Trusting has so much more to do with who you are as a person than it does with who your partner is. When you are secure in yourself and know that you are worthy to receive love, then it is natural to trust.
The Law of Attraction
The Law of Attraction is a simple law of quantum physics which demonstrates over and over again that you will attract into your life that upon which you focus. If you look at life and see positive, happy things then you will attract more of that positive energy into your life. When you look at life and see negative, unhappy things everywhere, then guess what? You are going to attract more ugliness into your life.
If you always find yourself in relationships where you have been disappointed and lied to, ask yourself what is it about you that brings dishonorable people into your life? I'm not in any way blaming you for your misfortune, but I know people attract what they think about. So ask yourself, what are your thoughts that actually pull dishonest people into your life?If you want more trust in your life, you have to be more trusting and more worthy of trust. You can’t get from others what you don’t possess in yourself. If you are looking inside out, then you must ask yourself, “Am I a trustworthy person? Does my partner realize that I have integrity and can be trusted? Do I extend trust to him or her?”Of course, there will inevitably be someone you trusted who didn't deserve it, but don't allow that to shake the foundation of your self-confidence.
It is right to trust the person with whom you are involved. If he or she is undeserving of your trust, in time this will be revealed to you and then you can move on and forgive—whether or not you choose to stay with the person. But if your choice is to forgive and stay, then put trust into an action verb once more.
It does no good to stay if the trust is forever gone. You will find that eats at your self-esteem daily and you will turn into someone you don't recognize and definitely don't like.Be the person you want to be in the relationship. Don't let paranoia and suspicion ruin a good thing.Beyond Lost
TrustI was recently talking to one of my clients about her readiness to begin a new relationship. This woman, Susan, had been divorced for about five years and believed she was ready for a new dating relationship in her life but nothing was happening for her.I asked her if there was something holding her back. She is an attractive and fun-loving person. I suggested that maybe her ex-husband was still holding too much power over her emotions to allow her to engage in a relationship with someone new.She thought about that and realized that what really happened is that when her husband had an affair with a much younger woman, it totally shook her self-esteem. If she doesn’t like herself, how can someone else be attracted to her?
So often, when our trust is shattered, we tend to look at ourselves. What’s wrong with me? Why did someone I love betray me? Why didn’t I see it? Instead, we need to look at the character flaw in the other person. When someone makes a promise to another and breaks it, then that is a flaw in them, not you.Trusting really comes down to which is most important to you—trust or self-protection? If you are more concerned with keeping yourself safe, you probably won’t trust because you are afraid of being hurt. However, can you really protect yourself? Won’t you still be hurt to learn of a loved one’s deception? Without trust, you will never achieve that level of intimacy a trusting relationship provides. What will you really lose by trusting?
The most important thing, though, is to not lose respect for yourself. You are a worthy person. Spend some time engaging in some self-nurturing behavior. Learn to love yourself again. Your self-esteem cannot be based on the frailties of another person.I have two questions. Do you want to be in a relationship with someone whom you can't trust? And do you want to be in a relationship where you are behaving as a jealous, crazy person?
This is definitely a personal decision and I simply ask you to evaluate your own behavior, and regardless of what your loved one does or does not do, are you able to be the person you want to be in your relationship? If not, are you willing to continue to function within the relationship or would it be better for you to end it? Only you can decide and only you can know what the right answer is for you.
Trust is Multi-Level
The trust one needs in a relationship is multi-level. At the base level, there is a trust in your partner. Of course, at this level, you could be right or you could be wrong. Your partner may deserve your trust or he or she may not. Your partner may be totally and completely untrustworthy. You have no control over that at all. If a person is unworthy of your trust, that in no way diminishes you. It is all about their character. You can’t let it shake your self-confidence.At the next level is a trust in oneself.
At this level, it is important to trust your own instincts in people. You may not always be right. People are very good at deception if they want to be. Remember Ted Bundy? However, if you trust in yourself and your good judgment, when you make a mistake you won’t be devastated. You just realize that you were involved with a person who was a master of deception and you move on undaunted but perhaps a bit wiser.
Finally, there is trust in the universal order of things—a divine spirit, if you will. If you have total and complete trust in the Universal Spirit or your Higher Power then that trust will never be betrayed. The Universal Spirit will always provide you with what you need whenever you have a need.I believe what happened with my client is her trust was placed completely in her partner. When the trust started to waiver, then the relationship failed. It’s OK to trust the person with whom you’re involved but your broader trust should be placed in yourself and then ultimately in the Universal Spirit.
Have you lost your trust? Do you want to get back to it? Let go of the wrong that was done, trust in yourself again and ultimately trust in the Universal Spirit to always and forever provide you what you need when you need it. You will discover a sense of peace and calm that will sustain you through the difficult and lonely times.
Learn more about improving your relationships with our Relationships from the Inside Out Tip Sheet.
Author's BioKim Olver is a life and relationship coach. Her mission is to help people get along better with the important people in their lives, including themselves. She teaches people how to live from the inside out by empowering them to focus on the things they can change. She in an internationally recognized speaker, having worked in Australia, Europe and Africa, as well as all over the United States and Canada. She is the creator of the new, revolutionary process called, Inside Out Empowerment based on Dr. William Glasser's Choice Theory. She is a public speaker and provides workshops in the areas of relationships, parenting, and a variety of self-growth topics. She is the author of Leveraging Diversity at Work and the forthcoming book, Secrets of Successful Relationships. She co-authored a book with Ken Blanchard, Les Brown, Mark Victor Hansen and Byron Katie, entitled 101 Great Ways to Improve Your Life. She works with individuals, couples, parents, social service agencies, schools, corporations and the military--anyone who will benefit from gaining more effective control over their lives. She has consulted on relationships, parenting, self-development, training, leadership development, diversity, treatment programs and management styles.
Source:http://www.selfgrowth.com/articles/Trust_In_Relationships.html
In my work with couples, I often find a lack of trust at the root of many challenges they report.Trust is a VerbWe have been taught to believe trust is a commodity to be earned by others. Once they have passed certain tests, then we feel safe to extend our trust.
I would like to entertain the idea that trust can be a verb, rather than a noun. It’s a choice you make and says much more about you than it does the person to whom you are extending that trust.When you are involved in a relationship and you say you trust that person, it is more than a noun. It's not just a thing you extend to a person like a gift—it is followed up with behaviors—things you do and things you don't do.
When you trust someone, you know he or she will do the right thing. You know they have their affairs (no pun intended) under control. They are faithful and loyal. You don't need constant reassurance of this—you just know.What you don't do is constantly grill a person about where he or she is and with whom he or she is spending time. You don't have him or her followed looking for proof of infidelity. You don't snoop around in his or her personal belongings or private places. You trust that he or she can be trusted.
Trusting has so much more to do with who you are as a person than it does with who your partner is. When you are secure in yourself and know that you are worthy to receive love, then it is natural to trust.
The Law of Attraction
The Law of Attraction is a simple law of quantum physics which demonstrates over and over again that you will attract into your life that upon which you focus. If you look at life and see positive, happy things then you will attract more of that positive energy into your life. When you look at life and see negative, unhappy things everywhere, then guess what? You are going to attract more ugliness into your life.
If you always find yourself in relationships where you have been disappointed and lied to, ask yourself what is it about you that brings dishonorable people into your life? I'm not in any way blaming you for your misfortune, but I know people attract what they think about. So ask yourself, what are your thoughts that actually pull dishonest people into your life?If you want more trust in your life, you have to be more trusting and more worthy of trust. You can’t get from others what you don’t possess in yourself. If you are looking inside out, then you must ask yourself, “Am I a trustworthy person? Does my partner realize that I have integrity and can be trusted? Do I extend trust to him or her?”Of course, there will inevitably be someone you trusted who didn't deserve it, but don't allow that to shake the foundation of your self-confidence.
It is right to trust the person with whom you are involved. If he or she is undeserving of your trust, in time this will be revealed to you and then you can move on and forgive—whether or not you choose to stay with the person. But if your choice is to forgive and stay, then put trust into an action verb once more.
It does no good to stay if the trust is forever gone. You will find that eats at your self-esteem daily and you will turn into someone you don't recognize and definitely don't like.Be the person you want to be in the relationship. Don't let paranoia and suspicion ruin a good thing.Beyond Lost
TrustI was recently talking to one of my clients about her readiness to begin a new relationship. This woman, Susan, had been divorced for about five years and believed she was ready for a new dating relationship in her life but nothing was happening for her.I asked her if there was something holding her back. She is an attractive and fun-loving person. I suggested that maybe her ex-husband was still holding too much power over her emotions to allow her to engage in a relationship with someone new.She thought about that and realized that what really happened is that when her husband had an affair with a much younger woman, it totally shook her self-esteem. If she doesn’t like herself, how can someone else be attracted to her?
So often, when our trust is shattered, we tend to look at ourselves. What’s wrong with me? Why did someone I love betray me? Why didn’t I see it? Instead, we need to look at the character flaw in the other person. When someone makes a promise to another and breaks it, then that is a flaw in them, not you.Trusting really comes down to which is most important to you—trust or self-protection? If you are more concerned with keeping yourself safe, you probably won’t trust because you are afraid of being hurt. However, can you really protect yourself? Won’t you still be hurt to learn of a loved one’s deception? Without trust, you will never achieve that level of intimacy a trusting relationship provides. What will you really lose by trusting?
The most important thing, though, is to not lose respect for yourself. You are a worthy person. Spend some time engaging in some self-nurturing behavior. Learn to love yourself again. Your self-esteem cannot be based on the frailties of another person.I have two questions. Do you want to be in a relationship with someone whom you can't trust? And do you want to be in a relationship where you are behaving as a jealous, crazy person?
This is definitely a personal decision and I simply ask you to evaluate your own behavior, and regardless of what your loved one does or does not do, are you able to be the person you want to be in your relationship? If not, are you willing to continue to function within the relationship or would it be better for you to end it? Only you can decide and only you can know what the right answer is for you.
Trust is Multi-Level
The trust one needs in a relationship is multi-level. At the base level, there is a trust in your partner. Of course, at this level, you could be right or you could be wrong. Your partner may deserve your trust or he or she may not. Your partner may be totally and completely untrustworthy. You have no control over that at all. If a person is unworthy of your trust, that in no way diminishes you. It is all about their character. You can’t let it shake your self-confidence.At the next level is a trust in oneself.
At this level, it is important to trust your own instincts in people. You may not always be right. People are very good at deception if they want to be. Remember Ted Bundy? However, if you trust in yourself and your good judgment, when you make a mistake you won’t be devastated. You just realize that you were involved with a person who was a master of deception and you move on undaunted but perhaps a bit wiser.
Finally, there is trust in the universal order of things—a divine spirit, if you will. If you have total and complete trust in the Universal Spirit or your Higher Power then that trust will never be betrayed. The Universal Spirit will always provide you with what you need whenever you have a need.I believe what happened with my client is her trust was placed completely in her partner. When the trust started to waiver, then the relationship failed. It’s OK to trust the person with whom you’re involved but your broader trust should be placed in yourself and then ultimately in the Universal Spirit.
Have you lost your trust? Do you want to get back to it? Let go of the wrong that was done, trust in yourself again and ultimately trust in the Universal Spirit to always and forever provide you what you need when you need it. You will discover a sense of peace and calm that will sustain you through the difficult and lonely times.
Learn more about improving your relationships with our Relationships from the Inside Out Tip Sheet.
Author's BioKim Olver is a life and relationship coach. Her mission is to help people get along better with the important people in their lives, including themselves. She teaches people how to live from the inside out by empowering them to focus on the things they can change. She in an internationally recognized speaker, having worked in Australia, Europe and Africa, as well as all over the United States and Canada. She is the creator of the new, revolutionary process called, Inside Out Empowerment based on Dr. William Glasser's Choice Theory. She is a public speaker and provides workshops in the areas of relationships, parenting, and a variety of self-growth topics. She is the author of Leveraging Diversity at Work and the forthcoming book, Secrets of Successful Relationships. She co-authored a book with Ken Blanchard, Les Brown, Mark Victor Hansen and Byron Katie, entitled 101 Great Ways to Improve Your Life. She works with individuals, couples, parents, social service agencies, schools, corporations and the military--anyone who will benefit from gaining more effective control over their lives. She has consulted on relationships, parenting, self-development, training, leadership development, diversity, treatment programs and management styles.
7 lokasi kediaman terbaik di lembah klang tahun 2010
Sumber - http://www.drumah.com
Hartanah Pilihan Editor
Secara umumnya kebanyakkan pemaju perumahan di lembah klang hari ini tertumpu pada pembangunan sedarhana sehinggalah penempatan mewah khususnya dibandar-bandar utama.
Dari pemerhatian yang dibuat, majoriti hartanah yang di bina pada suku pertama tahun ini adalah hartanah yang berada pada harga RM400,000 keatas yang mewakili 81% pembangunan hartanah baru.
Walau bagaimanapun keseluruhan pembangunan untuk suku tahun pertama masih rendah berbanding pelancaran projek kediaman pada waktu yang sama tahun lepas.
Jika disusuri setiap pemaju dan lokasi yang cadangkan ini, hampir kesemua pemaju yang tersenarai mempunyai model pembangunan yang serupa iaitu pembangunan sebuah bandar pintar. Setelah membuat perbandingan menyeluruh, Drumah.com menyenaraikan 7 Lokasi Pembangunan Kediaman Bandar Pintar Terbaik Pada Tahun 2010 Pilihan Editor; lokasi tersebut adalah;-
1. Bukit Jelutong, Shah Alam (Sime Darby)
2. Bandar Seri Putra, Bangi (UM Land)
3. Denai Alam, Shah Alam (Sime Darby)
4. D’Alpinia, Puchong (Hap Seng Land)
5. Alam Sari, Bangi (I&P Menara Sendirian Berhad)
6. Laman Granview, Puchong, (IJM Land)
7. Jade Hills, Kajang (Gamuda Land)
Laporan ini berdasarkan skor kredit (+1, -1,0) pilihan editor pada lokasi dan fasiliti, reka bentuk hartanah, keluasan tanah, luas binaan, spesifikasi, tawaran harga realistik, lanskap (township) dan nilai tambah pelan pembangunaan masa hadapan jangka singkat sekurang-kurangnya 5 tahun.
Dari perbandingan diantara contoh pembangunaan diatas, terdapat permintaan dan tren pemilikan hartanah berpagar di kawasan Kuala Lumpur; manakala daerah Hulu Langat bakal terus mencatatkan permintaan yang berterusan.
Daerah Sepang kini mempunyai prospek pertumbuhan baik dengan pelan pembangunan sokongan dari pihak Majlis Tempatan yang dilakukan secara berperingkat. Oleh kerana lokasinya yang berdekatan dengan Putrajaya dan KLIA ia menjadikan Sepang sebagai lokasi berpotensi untuk diterokai.
Dari sudut sewaan, hartanah-hartanah yang berada di kawasan utama seperti Bangsar, Damansara Heights, TTDI dan Bandar Utama terus dijadikan tumpuan pelabur dengan tawaran gaya hidup moden dan faktor keselamatan menjadi pilihan.
Secara keseluruhannya, tawaran pembangunan hartanah kediaman dan plot pada tahun ini mungkin akan mengalami sedikit penurunan. Walau bagaimanapun, nilai hartanah di bandar-bandar besar utama seperti Kuala Lumpur, Damansara Heights dan Daerah Petaling mungkin akan mengalami kenaikan singkat berbanding lokasi lain yang mungkin mendatar sehingga ke penghujung tahun.
Tujuh lokasi terbaik pembangunan kediaman untuk tahun 2010 adalah satu cadangan dari pihak editor Drumah.com untuk komuniti majalah hartanah online nya. Pelabur dan pembeli dinasihati untuk membuat penilaian yang lebih mendalam sebelum membuat sebarang tindakan berdasarkan artikel ini.
Bagaimana dengan anda? Sekian, semoga berjaya pelabur semua.
Hartanah Pilihan Editor
Secara umumnya kebanyakkan pemaju perumahan di lembah klang hari ini tertumpu pada pembangunan sedarhana sehinggalah penempatan mewah khususnya dibandar-bandar utama.
Dari pemerhatian yang dibuat, majoriti hartanah yang di bina pada suku pertama tahun ini adalah hartanah yang berada pada harga RM400,000 keatas yang mewakili 81% pembangunan hartanah baru.
Walau bagaimanapun keseluruhan pembangunan untuk suku tahun pertama masih rendah berbanding pelancaran projek kediaman pada waktu yang sama tahun lepas.
Jika disusuri setiap pemaju dan lokasi yang cadangkan ini, hampir kesemua pemaju yang tersenarai mempunyai model pembangunan yang serupa iaitu pembangunan sebuah bandar pintar. Setelah membuat perbandingan menyeluruh, Drumah.com menyenaraikan 7 Lokasi Pembangunan Kediaman Bandar Pintar Terbaik Pada Tahun 2010 Pilihan Editor; lokasi tersebut adalah;-
1. Bukit Jelutong, Shah Alam (Sime Darby)
2. Bandar Seri Putra, Bangi (UM Land)
3. Denai Alam, Shah Alam (Sime Darby)
4. D’Alpinia, Puchong (Hap Seng Land)
5. Alam Sari, Bangi (I&P Menara Sendirian Berhad)
6. Laman Granview, Puchong, (IJM Land)
7. Jade Hills, Kajang (Gamuda Land)
Laporan ini berdasarkan skor kredit (+1, -1,0) pilihan editor pada lokasi dan fasiliti, reka bentuk hartanah, keluasan tanah, luas binaan, spesifikasi, tawaran harga realistik, lanskap (township) dan nilai tambah pelan pembangunaan masa hadapan jangka singkat sekurang-kurangnya 5 tahun.
Dari perbandingan diantara contoh pembangunaan diatas, terdapat permintaan dan tren pemilikan hartanah berpagar di kawasan Kuala Lumpur; manakala daerah Hulu Langat bakal terus mencatatkan permintaan yang berterusan.
Daerah Sepang kini mempunyai prospek pertumbuhan baik dengan pelan pembangunan sokongan dari pihak Majlis Tempatan yang dilakukan secara berperingkat. Oleh kerana lokasinya yang berdekatan dengan Putrajaya dan KLIA ia menjadikan Sepang sebagai lokasi berpotensi untuk diterokai.
Dari sudut sewaan, hartanah-hartanah yang berada di kawasan utama seperti Bangsar, Damansara Heights, TTDI dan Bandar Utama terus dijadikan tumpuan pelabur dengan tawaran gaya hidup moden dan faktor keselamatan menjadi pilihan.
Secara keseluruhannya, tawaran pembangunan hartanah kediaman dan plot pada tahun ini mungkin akan mengalami sedikit penurunan. Walau bagaimanapun, nilai hartanah di bandar-bandar besar utama seperti Kuala Lumpur, Damansara Heights dan Daerah Petaling mungkin akan mengalami kenaikan singkat berbanding lokasi lain yang mungkin mendatar sehingga ke penghujung tahun.
Tujuh lokasi terbaik pembangunan kediaman untuk tahun 2010 adalah satu cadangan dari pihak editor Drumah.com untuk komuniti majalah hartanah online nya. Pelabur dan pembeli dinasihati untuk membuat penilaian yang lebih mendalam sebelum membuat sebarang tindakan berdasarkan artikel ini.
Bagaimana dengan anda? Sekian, semoga berjaya pelabur semua.
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