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Archive for December, 2012

These minor changes in your daily routine will make a major difference in your life and career.

Happiness is the only true measure of personal success. Making other people happy is the highest expression of success, but it’s almost impossible to make others happy if you’re not happy yourself.

With that in mind, here are nine small changes that you can make to your daily routine that, if you’re like most people, will immediately increase the amount of happiness in your life:

1. Start each day with expectation.

If there’s any big truth about life, it’s that it usually lives up to (or down to) your expectations. Therefore, when you rise from bed, make your first thought: “something wonderful is going to happen today.” Guess what? You’re probably right.

2. Take time to plan and prioritize.

The most common source of stress is the perception that you’ve got too much work to do.  Rather than obsess about it, pick one thing that, if you get it done today, will move you closer to your highest goal and purpose in life. Then do that first.

3. Give a gift to everyone you meet.

I’m not talking about a formal, wrapped-up present. Your gift can be your smile, a word of thanks or encouragement, a gesture of politeness, even a friendly nod. And never pass beggars without leaving them something. Peace of mind is worth the spare change.

4. Deflect partisan conversations.

Arguments about politics and religion never have a “right” answer but they definitely get people all riled up over things they can’t control. When such topics surface, bow out by saying something like: “Thinking about that stuff makes my head hurt.”

5. Assume people have good intentions.

Since you can’t read minds, you don’t really know the “why” behind the “what” that people do. Imputing evil motives to other people’s weird behaviors adds extra misery to life, while assuming good intentions leaves you open to reconciliation.

6. Eat high quality food slowly.

Sometimes we can’t avoid scarfing something quick to keep us up and running. Even so, at least once a day try to eat something really delicious, like a small chunk of fine cheese or an imported chocolate. Focus on it; taste it; savor it.

7. Let go of your results.

The big enemy of happiness is worry, which comes from focusing on events that are outside your control. Once you’ve taken action, there’s usually nothing more you can do. Focus on the job at hand rather than some weird fantasy of what might happen.

8. Turn off “background” TV.

Many households leave their TVs on as “background noise” while they’re doing other things. The entire point of broadcast TV is to make you dissatisfied with your life so that you’ll buy more stuff. Why subliminally program yourself to be a mindless consumer?

9. End each day with gratitude.

Just before you go to bed, write down at least one wonderful thing that happened. It might be something as small as a making a child laugh or something as huge as a million dollar deal. Whatever it is, be grateful for that day because it will never come again.

Source: Linkedin

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by MIRANDA MARQUIT.

Many of us want to retire early. That early retirement age might be 35, 40, or 50, but the idea is to retire sometime before the age of 65 and start enjoying life — before age and infirmity catch up with you.

The reality, though, is that the dream of early retirement will remain a dream unless you take action. Here are 5 steps you can follow to help you reach your goals of early retirement:

1. Make Early Retirement a Priority

You say you want to retire early, but have you made the necessary commitment? Look at the way you use your financial resources. What do your actions say about your financial priorities? If you really want to retire early, you have to make it a priority — and you might have to make tradeoffs. That means that you have to give up less important things in the present in order to achieve your long-term priority of early retirement.

2. Be Realistic in Your Expectations

Next, you need to look at your financial situation realistically. If you’re 35, have no savings plan, and $10,000 in your retirement account, you are going to have to make some very big changes in order to retire by age 50. Look at realistic investment returns (not the 10% predictions that many tout for stocks), and plan for conservative returns. Be realistic about what it will take to meet your early retirement goal. Any plan you make must be based in reality.

3. Create a Plan

Armed with the willingness to commit and realistic expectations, it’s time to create a plan. Your early retirement plan should help you save enough money each month to reach your retirement goals. This means that you have to consider cutting your expenses, and changing what you do with your money in order to meet the requirements of your plan. And don’t forget about having an investment strategy as well. Investing is the only way to build up enough wealth to retire early and comfortably.

4. Make Your Plan Work

You need to put effort into making your plan work. This might mean cutting unnecessary expenses from your budget. It might mean spending less, hoarding your money until you reach your goals. It’s true, trying to retire early can mean sacrifice now.

Another way to make your plan work is to increase the amount of money you make. If you know you won’t make your goal of early retirement in 20 years and you just can’t cut anymore, try to earn more money. Improve your marketability so that you qualify for a pay raise. Start a side hustle. Look for ways to increase your income so that you can put more money toward making your early retirement plan work.

5. Don’t Forget Diversity

Don’t forget diversity as you invest and adhere to your plan. You need the right asset allocation to see retirement portfolio success. It can also help to build diverse sources of income that can help you weather various storms before and during the retirement years. With the right income sources and asset allocation, you can get through setbacks without putting your early retirement goal at risk.

http://moneyning.com/retirement/want-to-retire-early-follow-these-5-steps/

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Holy Lovely Soul

Lonely night…
Thought flew away to no where
But still… There’s shadow of you

Imagination is a true friend
When the theme always come to you
You, the holy lovely soul

Days run slowly, faster, then slip away..
I’m still, standing still
Just waiting….

Gonna be with you
You, the holy lovely soul!

Esp. 4TG
-putu-

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