New Year countdown

It is the time of the year when we bade goodbye to 2011 and usher 2012. New Year means a time of reflection of the past and to make it better in the coming year with resolutions and goals.

It is an important realization because we should prioritize what we would call the `big picture' - be it family, a work goal or simply a personal characteristic. We should remain focus. There is absolutely nothing more special about year end as compared to every other day of the year, except of what we make of it in our minds.

So, here to 2012 a year where we try to illicit change from the inside and see how that changes everything else on the outside.

Countdown

This is the time of the year again when we say goodbye to 2011 and welcome 2012. A time of reflection and to take stock of our blessings and also an opportunity to express our thanks for a good year in 2011. What were our achievements in 2011 and what do we plan to do better in 2012?

We forget the little things that makes a difference such as giving a thought for the less fortunate and saying the word `sorry' and `thank you'. We tend to take things for granted and miss out the important things in life.

Less but least I share with you the saying `We seldom think of what we have, but always think of what we miss.'

People Management

Management is the buzzword in the Corporate World. Management is not about an individual delivering results. Rather it is about an individual managing a group of other individuals to achieve the desired results.

Managing an individual involves chemistry between the twos. Also at the same time, to take good care of the individual. Treat them like your best friend and look after their welfare and interest. Be a part of their family and guess what the rest will be history.

Something for sharing.

Thoughtful words

Life has its ups and downs,
Sometimes the sun shines.
Sometimes the rain lashes,
But it takes both sun and rain to make a RAINBOW.

If you want something you never had, do something you've never done.
Don't go the way life takes you. Take the life the way you go.
And remember ... you are born to live and not living because you are born.

There are no secret to success.
It is the result of preparation, hard work and learning from failure.

Something for sharing.

Credit Control

The new ruling to control and manage credit card spending for cardholders earning RM36K and below in that the maximum credit limit extended be capped at RM12000.00 for two cards. In a move to further restrict their spending, cardholders are only allowed to be a principal from a maximum of two credit card issuers.

The use of the credit card is for convenience and not for uncontrollable spending. Use the credit card wisely and be mindful of the expenses. Cardholders have to discipline themselves and monitor their spending. Live within our means and do not end up accumulating hefty debts.

Something for sharing.

The magic of smile

Your smile comes to me like a morning BLISS
Which gives the joy I don't want to MISS
Your smile is like the sun of my DAY
It fills me with the joy to set me on my WAY
A smile really doesn't cost you a DIME
It won't take up too much of your TIME
So wear a smile and it will take you
M.....I......L.....E.....S

Shopping Malls

Guess the number of chic items in the stores that are screaming out `Buy me, buy me'. How many people can really ignore the voices in their heads and move on. Or do they only do so when their wallets protest that it is time to move on. The temptation is too great to resist at times. We may end up buying things that we do not require or the things are all becoming `white elephants'.

Given the availability of plastic money, more often than not, people get into the vicious cycle of succumbing to their wants instead of needs. Indeed going by the number of malls and stores that are springing up, shopping is definitely a favourite pastime in Malaysia. There is no doubt that things must be bought at some point of time, however, it is the where, when and how we go about it that can make all the difference to our cashflow.

Should we therefore `shop till we drop .... but in this day and age, who doesn't?