Importance of Protecting Your Investments

By on December 23, 2011

In the face of tough economic times, it is not uncommon to look for savings and seek out ways to make economies of scale on everyday costs. Reducing fuel bills by turning down the thermostat on the central heating even by one degree can make a difference, as can reconsidering whether subscriptions for non-essential items are really necessary.

There is one area where savings are not often considered, and that is insurance, although insurance companies are competing for customers just like other businesses. This does not mean, however, that cancelling or deciding not to renew home insurance should be considered as a saving worth making – far from it. In fact the opposite is true as the risks considerably outweigh any apparent savings. Instead, the smartest option is to look around for the best deals available from reputable insurance companies.

Is Insurance Really Necessary?

Importance of Protecting Your InvestmentsImportance of Protecting Your Investments

Insurance is a vital form of protection and one that no one can afford to be without. In particular, those who own their own home or who are repaying a mortgage must be sure they have sufficient home insurance to cover both the property and the contents; in most cases those living in rented accommodation will find that the landlord has insured the building but, even so, contents insurance is important so that personal items are covered in the event of loss or damage.


Home insurance protects against a number of potential risks and, even though thinking about these is not pleasant, it is nevertheless essential to make sure that the level of cover is adequate for all eventualities. Property is vulnerable to burglary and to accidental damage by fire or water – electrical supplies, wiring and appliances can and do go wrong; pipes are known to burst and cause flooding. Then there are natural disasters that affect homes, where structural damage can result. With inadequate or, worst of all, no protection, householders and flat-dwellers are at the mercy of thieves, the elements and accidents. Not having insurance, or having too little, is undoubtedly a false economy.

What are the Benefits?

Luckily, home insurance at the right level goes a long way to help out in the event of an unfortunate occurrence. This is why, for example, mortgage lenders insist on building insurance – if an uninsured home burns down they will lose their investment in the property. With the right protection, there is some comfort in the fact that carpets and furniture can be replaced, and that the value of other stolen items can be recovered.

Policies vary according to a number of key factors and normally insurers will offer quotes for premiums based on individual circumstances. Some insurance policies will cover people who are visiting a property and suffer an accident – a trip or slip that results in them breaking an arm or a leg, perhaps. With contents insurance, significant items will have to be valued and the basis on which the insurance is arranged can vary according to the fine print. It always pays to ensure policy documents are completely understood and the level of insurance provided will not leave claimants out of pocket in the event of an unfortunate incident.




Eurozone crisis: Greece gripped by general strike

ahead of crucial talks – as it happened

Photograph: Yannis Behrakis/REUTERS

Members of the Greek Communist Party held a rally in Athens yesterday. As this picture of Syntagma Square shows, they weren’t deterred by the rainy weather.

I got your email

January 2, 2012


Congratulations! You have managed to save, and quite a bit too!

Now, do you have plans for your savings? Perhaps you intend to buy a
Playstation or that expensive tennis Wilson racquet once you have
accumulated enough. It’s good to have a goal when you embark on a
savings programme because the goal encourages you to save – rather
like dangling a carrot in front of the donkey, although you are far
from being a donkey if you are clever enough to give yourself a
motivation to save.

So if you don’t have a goal, think of one. You don’t have to confine
yourself to one goal – have several goals if they help you save more,
as long as they are realistic and worthwhile objectives.

Meantime, while you save furiously towards your goal or goals, where
do you keep your savings? Stashed away in your drawer? That’s not a
wise thing to do, because there is this terrible thing called
Inflation which, figuratively speaking, is just waiting to gnaw at
idle savings. It sees your money just lying there in your drawer and
wham! it’s got your money in its jaws!

Inflation & Purchasing Power

What is Inflation? No, it’s not an insect or animal. It’s abstract.
Inflation is the economic term for rising prices, or rising cost of
living. Inflation is when the prices of things you buy are rising.
Let me give you an example. Let’s say your family takes grandmother
out to dinner at your favourite Nyonya restaurant. It’s your
grandmother’ s first visit to Kuala Lumpur or to a city for that
matter – she lives in a small town and she hardly ever ventures
beyond her garden gate.

Of course, you have to order your favourite dessert – ice kacang! You
can’t resist that pile of crushed ice rainbow-coloured by syrups and
milk, sitting on top of various beans, corn, bits of jelly, longan
and what-else-have- you, and topped with ice-cream. When your father
fishes out RM4.50 to pay for your ice kacang – watch out for grandma!
She might fall off her chair in shock! Why? Because during the time
she was a kid, ice kacang probably only cost 10 sen. TEN SEN??!! Now
it is your turn to fall off the chair!

That’s what we mean by inflation. Rising prices. Sixty years ago, an
ice kacang cost 10 sen. Today it costs RM4.50 at a proper restaurant
and RM1.50 from a hawker stall. Its price has shot skyward. Put in
another way, inflation has reduced the purchasing power of money
through time. Your granny’s 10 sen cannot buy a bowl of ice kacang
today, maybe only that bit of crushed ice. The 10 sen has lost a lot
of its buying power; it buys less than what it did 60 years ago. In
fact, today’s hawker price of ice kacang won’t stay RM1.50 forever.
It will go up and you don’t have to wait till you are a
grandmother/ grandfather to see this. By the time you are a
mother/father, we’ll bet an ice kacang would probably cost nearer to
RM2 at the stalls.

That’s inflation for you. And the sad news is that inflation does not
only attack foods. It is pervasive, sinking its claws in all things
and services that are part of living – clothes, furniture, bicycle,
house, cinema tickets, taxi fares, park rides etc. etc. That’s why it
is called the rising cost of living.

So what does this mean for your savings? Simply that if you just
stash away your savings – let’s assume that you have saved RM100 – in
a drawer, your RM100 just remains RM100 until you want to use it.
Meanwhile inflation is nibbling away at the value of your RM100 so
that when you actually use it much, much later, your RM100 is not
going to be able to buy you as much as when you started to save it.
This is because – depending on how long you keep your money – prices
of things would have risen in the meantime. Of course, if you
immediately use your savings, inflation probably won’t have a chance
to work yet. But then, we are talking about a savings programme here,
and that means a long enough time frame for your savings to grow –
and for inflation to kick in.

So what must you do? To fight inflation, you must make your savings
grow in value, faster than the inflation rate. If you just let the
RM100 of your savings stay the same, you know that through time the
purchasing power of your RM100 will not be RM100, but less – because
the prices of things are continuously rising. However, if your RM100
savings could grow to, say, RM150; then in future you can not only
buy the same things that your RM100 could at the start of your
savings, you can also buy more things.

Investing is the way to go

To make your money grow, you certainly do not leave your cash in your
drawer or stuff it under the mattress or anywhere else where it just
stays put, and forget about it until you want to use it. To make your
money grow, you must do a second smart thing – your first smart move
was to save – you must invest it.

Investing is defined as using your money (in this case, your savings)
to make more money. Grown-ups, the wise ones, do that. They invest to
make money with their money and when this has grown, they re-invest
the bigger sum and in the process of re-investing again and again,
their money is doubled, tripled or multiplied many times more. That’s
how people get rich – not through winning the lottery (you have one
chance in 7 million or something like that) but through saving and
investing. You can do the same with your small sum of savings and
watch it grow.

There are different ways to invest your money so as to earn a return.
A return is the amount of earnings or income that you get from your
investment. The easiest and most common way is to put your savings
into a bank savings account or fixed deposit. Your savings will grow
because the bank pays you a certain sum of money (your return) called
interest, as long as your money stays with the bank. This way your
savings grows until you want to use it and when you withdraw it from
your bank account, the amount of money that you have now will be your
original savings plus the interest it has accumulated. It is no
longer just your RM100 but a bigger sum.

So bank accounts are one type of investment. Another is investing in
the stock market by buying shares of companies. Many adults do this.
We shall explain more about shares in another article. For now, know
that people invest in shares, hoping to earn a return in two ways.
One is from receiving dividends, which is simply the monetary reward
that companies pay out to shareholders when the companies perform
well. The second is from realising a profit when they sell off their
shares. Profit is the gain in money between what you paid for the
shares and what you get when you sell the shares. Simple Maths will
explain profit. For instance, if you had a savings of RM600 and
bought 200 shares for RM3 a share, and three months later, you sold
your 200 shares at RM4 a share, you would make a profit of RM200.

Here’s how:

Cost of buying 200 shares at RM3 a share = 200 x RM3= RM600.
Amount of money received from selling 200 shares at RM4 a share = 200
x RM4 = RM800.
Profit = Sale minus Purchase = RM800 – RM600 = RM200.

The profit has made your savings swell from RM600 to RM800.

There are other ways of investing your money.

You could even buy a house, if you have loads and loads of money
(say, through inheriting a fortune from your favourite aunt who
passed away). If you rent out your house, your return will be the
amount of rental income you receive from your tenant. Which
investment method you choose depends on factors like how much savings
you have and how much returns you want to make. Each investment has
its pros and cons.
For instance, investing in shares can earn you more returns than bank
accounts, but it is riskier. If you put your savings into a bank
account, your money is safeguarded. You can’t lose it like you can
lose your money in shares if you pick the wrong share to buy. Even if
the bank gets robbed, or burnt down or goes bankrupt, the law of the
country provides that you will get your money back. Not so with
shares investing. However the return from the bank interest is rather

Investing in property like a house could earn you massive returns,
but it is a long-term investment. It would be years and years before
the prices of houses rise for you to sell your house and make a
profit. (Remember? Profit equals Sale minus Purchase.) Getting your
return from investing in shares is much, much faster but like we said
before, you must be smart (and lucky enough) to select the right
share to buy or else you could lose your money invested.

In fact with all types of investment (except perhaps for bank
accounts), there is always a possibility of losing your savings, much
less about getting a return. If you invest unwisely, you could lose
both your original sum of savings and get no returns at all.

However, there’s no mistake about this: investing is the way to build
your wealth.

You just have to invest wisely.

Why Should You Save Money?

December 25, 2011

Why Should You Save Money? – By Martin Lukac

We are always hearing save, save, save. But if you don’t have a reason
to save, it isn’t likely you will.

Most people live paycheck to paycheck. Many people simply do not have
the money to save. There just doesn’t seem to be enough money left
over after paying the necessities.

And I’m not just talking about the lower-income groups. Often, those
driving new cars, living in nice homes and wearing name brand clothes
are barely making it by financially. They often have a harder time
finding extra money than do those who make incomes below poverty level.

There are a lot of people that wear money well, yet they don’t really
have any. Is that you? Are you caught in an endless cycle of wanting
more and wanting better? Do you see that it just isn’t working for you?

Sit down and examine what your main goals are in life. I mean the
really important financial ones. You may want to retire someday. Have
you started saving? Do you want your children to go to college? Have
you started saving? You might just want to be able to pay all of your
bills? Have you started saving?

You get the hint — it’s all about the saving. I’m not going to go
into how to save, you can research that later. Let’s talk about why
you should save.

The number one reason to start saving right now is for emergencies.
Things happen. People pass away. People get hurt at work. People get
laid off. We have accidents. We have cars break down, washing machines
stop working and sometimes even disasters hit our homes.

With an emergency savings, you are cushioned from the financially
ruin. You can make ends meet until you are able to figure something
out. You are able to buy that new washer without hurting your monthly
budget. You are able to sleep without worrying where you will find the
money. It’s in your savings.

I suggest starting with three to six months worth of monthly expenses.
This gives you a pretty good cushion. Put as much in as you can. My
husband recently lost his job, and we found that three months fly by
fast. Before we knew it, the fund was gone. But it gave him valuable
time to find a good job — he didn’t have to take one just to make
ends meet.

Once you have this savings built up, you should start working on your
goals. You can work on several at a time. For example, if you are able
to put $100 from each paycheck into savings, yet have three goals you
are saving for, do a portion to each.

For example, your goals are for retirement, college for your child and
buy a home. Decide which is most important to you and what you need to
dedicate of that $100 to each goal. You might put the largest amount
to your retirement, the second largest to your home and the third to
the college education.

You should save money. I can’t tell you why. That is your decision.
There are goals that can only be fulfilled from savings. Think about
what you want in life. If you want out of debt, to own your own home
or to retire comfortably, you have to start saving now.

Savings to Wealth Or Poverty

December 25, 2011

Savings to Wealth Or Poverty
By Olumuyiwa Johnson


Savings is the act of putting aside, for sometime certain portion or
percentage of your income to either buy an item, prepare for some
unexpected expenses, or for investment purposes. For the purpose of
this write-up, we would be considering savings for investment
purposes. Most people would advice you to save up to 10% of your
income, but taking a look at the biblical story of Joseph in Egypt,
where he saved one fifth or 20% in the year of abundant, which was
their saving grace in the year of famine. I believe there is a divine
wisdom in paying yourself 20% of your income, if you can afford it.


Some people believe that their income is too small, and not sufficient
to meet all their basic needs, so they use this as an reason not to
save. This shows that they do not understand the commandment, you
shall love your neighbour as yourself, and not you shall love your
neighbour more than yourself. Whenever you spend money, you are paying
someone else, rent your landlord, transport fair the owner of the
means of transport, school fees the proprietor and buying food or
cloths the retailer. As you continue to do this, you are helping all
those you paid financially, but when you spend all your income, you
are not helping yourself. It is the little that you pay yourself by
saving, that would empower you (enable) to take advantage of
opportunities, when it they come.

It is the first step out of poverty and rat race. Many people believe
that the first step to wealth is getting a good job or starting a good
business. But what has been discovered overtime is that your expenses
and taste will increase as your income increases, so the only way out
is for you to put a certain portion of your income aside for
investment purpose. Do you know that a seed in your hands today can
become a tree tomorrow, and a tree a forest? Likewise that small
amount of money with you today has the potential of becoming millions
and billions if, it is allowed to grow and multiply with time.


In as much that it is good to save, make sure that it does not exceed
six month before you put it to productive use, if not, the effect of
inflation would reduce the economic value of your savings. No matter
how small your savings is, find something to invest in. All savings
that are not made for investment purpose cannot empower you to create



Savings itself has a spirit, the spirit of being sensitive to
investment opportunities. As you begin to save, you should become more
interested in what in the stock market, real estate and so many other
opportunities offline and on the Internet. Seek for information,
subscribe to some financial journals or site on stock, to get updated
information on investment opportunities, and when necessary please be
prepared paid for such information, proverb 4:7 Wisdom is supreme,
therefore get wisdom, though it cost all you have, get understanding.
As you begin to gather and analyses information on difference
investment opportunities, you will discover that there are some, in
which you could start small, like buying into penny stock. Please do
not wait until you have about half of your monthly income, before you
invest, start small. Continue to do this and watch your investment
grow and grow, until it turns into a well, where you can always draw from.

———— ——— ——— ——— —
Article Source: http://EzineArticle Olumuyiwa_ Johnson


December 5, 2011

Success Quotes

December 5, 2011

Perseverance, n.: A lowly virtue whereby mediocrity achieves a glorious success.
– Ambrose Bierce

Success for the striver washes away the effort of striving.
– Pindar

The penalty of success is to be bored by people who used to snub you.
– Nancy, Lady Astor

The secret of success is constancy to purpose.
– Benjamin Disraeli

There are few successful adults who were not first successful children.
– Alexander Chase

What is success? To laugh often and much; To win the respect of intelligent people and the affection of children; To earn the appreciation of honest critics and endure the betrayal of false friends; To appreciate beauty; To find the best in others; To leave the world a bit better, whether by a healthy child, a garden patch or a redeemed social condition; To know even one life has breathed easier because you have lived; That is to have succeeded.
– Ralph Waldo Emerson

If one advances confidently in the direction of his dreams, and endeavours to live the life which he has imagined, he will meet with a success unexpected in common hours.
– Henry David Thoreau

The world belongs to the enthusiast who keeps cool.
– William McFee

Out of every fruition of success, no matter what, comes forth something to make a new effort necessary.
– Walt Whitman

Though a tree grow ever so high, the falling leaves return to the root.
– Malay proverb

Success is that old ABC- ability, breaks and courage.
– Charles Luckman

How can they say my life isn’t a success? Have I not for more than sixty years got enough to eat and escaped being eaten?
– Logan Pearsall Smith

You always pass failure on the way to success.
– Mickey Rooney

Of course there is no formula for success except perhaps, an unconditional acceptance of life and what it brings.
– Artur Rubinstein

High station in life is earned by the gallantry with which appalling experiences are survived with grace.
– Tennessee Williams

Everything bows to success, even grammar.
– Victor Hugo

Never having been able to succeed in the world, he took his revenge by speaking ill of it.
– Voltaire

The successful people are the ones who think up things for the rest of the world to keep busy at.
– Don Marquis

It is no use saying ‘we are doing our best.’ You have got to succeed in doing what is necessary.
– Winston Churchill

Survival is triumph enough.
– Harry Crews

It takes time to be a success, but time is all it takes.
– Anonymous

There is a passion for perfection which you will rarely see fully developed; but you may note this fact, that in successful lives it is never wholly lacking.
– Bliss Carman

Nothing fails like success; nothing is so defeated as yesterday’s triumphant cause.
– Phyllis McGinley

The toughest thing about success is that you’ve got to keep on being a success.
– Irving Berlin

Nothing fails like success because we don’t learn from it. We learn only from failure.
– Kenneth Boulding

Get place and wealth, if possible with grace; If not, by any means get wealth and place.
– Alexander Pope

Success is not so much what you are, but rather what you appear to be.
– Anonymous

I cannot give you the formula for success, but I can give you the formula for failure, which is – try to please everybody.
– Herbert Bayard Swope

Success has made failures of many men.
– Cindy Adams

A successful man is he who receives a great deal from his fellow men, usually incomparably more than corresponds to his service to them. The value of a man, however, should be seen in what he gives and not in what he is able to receive.
– Albert Einstein

Success is not the result of spontaneous combustion. You must set yourself on fire.
– Reggie Leach

Success is the progressive realization of a worthy ideal.
– Earl Nightingale

A great secret of success is to go through life as a man who never gets used up.
– Albert Schweitzer

Failure changes for the better, success for the worse.
– Seneca

Behind every successful man there’s a lot of unsuccessful years.
– Bob Brown

If people knew what they had to do to be successful, most people wouldn’t.
– Lord Thomson of Fleet

The secret of all victory lies in the organization of the non-obvious.
– Oswald Spengler

Snowflakes are one of nature’s most fragile things, but just look what they can do when they stick together.
– Vesta M. Kelly

Damon Runyon. A day-coach boy in a parlor car seat.
– Damon Runyon

There is only one success – to be able to spend your life in your own way.
– Christopher Morley

Find a need and fill it.
– Ruth Stafford Peale

The successful person is the individual who forms the habit of doing what the failing person doesn’t like to do.
– Donald Riggs

The victory of success is half done when one gains the habit of work.
– Sarah Knowles Bolton

The secret of every man who has ever been successful lies in the fact that he formed the bait of doing those things that failures don’t like to do.
– A. Jackson King

Nature gave men two ends-one to sit on, and one to think with. Ever since then man’s success or failure has been dependent on the one he used most.
– George R. Kirkpatrick

Make yourself indispensable and you’ll be moved up. Act as if you’re indispensable and you’ll be moved out.
– Anonymous

What is the recipe for successful achievement? To my mind there are just four essential ingredients: Choose a career you love. … Give it the best there is in you…. Seize your opportunities. … And be a member of the team.
– Benjamin F. Fairless

Vacillating people seldom succeed. They seldom win the solid respect of their fellows. Successful men and women are very careful in reaching decisions, and very persistent and determined in action thereafter.
– L. G. Elliott

Many people have the ambition to succeed; they may even have a special aptitude for their job. And yet they do not move ahead. Why? Perhaps they think that since they can master the job, there is no need to master themselves.
– John Stevenson

I’ve been polite and I’ve always shown up. Somebody asked me if I had any advice for young people entering the business. I said: “Yeah, show up.”
– Tom T. Hall

The wise man puts all his eggs in one basket and watches the basket.
– Andrew Carnegie

I know the price of success: dedication, hard work and an unremitting devotion to the things you want to see happen.
– Frank Lloyd Wright

Success is that old ABC-Ability, Breaks and Courage.
– Charles Luckman

The secret of success in life is for a man to be ready for his opportunity when it comes.
– Benjamin Disraeli

If one advances confidently in the direction of his dreams, and endeavors to live the life which he has imaged, he will meet with success unexpected in common hours.
– Henry David Thoreau

Before everything else, getting ready is the secret of success.
– Henry Ford

To be ambitious for wealth, and yet always expecting to be poor; to be always doubting your ability to get what you long for, is like trying to reach east by traveling west. There is no philosophy which will help man to succeed when he is always doubting his ability to do so, and thus attracting failure. No matter how hard you work for success, if your thought is saturated with the fear of failure, it will kill your efforts, neutralize your endeavors and make success impossible.
– Charles Baudouin

I cannot give you the formula for success, but I can give you the formula for failure, which is-try to please everybody.
– Herbert Bayard Swope

We may fail of our happiness, strive we ever so bravely, but we are less likely to fail if we measure with judgement our chances and our capabilities.
– Agnes Repplier

A double-minded man is unstable in all his ways…. A determinate purpose in life and a steady adhesion to it through all disadvantages are indispensable conditions of success.
– William M. Punshion

The conditions of conquest are always easy. We have but to toil awhile, endure awhile, believe always, and never turn back.
– Marcus Annaeus Seneca
The very first step towards success in any occupation is to become interested in it.
– Sir William Osier

I studied the lives of great men and famous women; and I found that the men and women who got to the top were those who did the jobs they had in hand, with everything they had of energy and enthusiasm and hard work.
– Harry S. Truman
Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. As to methods there may be a million and then some, but the principles are few. The man who grasps principles can successfully select his own methods. The man who tries methods, ignoring principles, is sure to have trouble.
– Ralph Waldo Emerson

There are no secrets to success. It is the result of preparation, hard work, learning from failure.
– General Colin L. Powell

Success is blocked by concentrating on it and planning for it…. Success is shy-it won’t come out while you’re watching.
– Tennessee Williams

Three outstanding qualities make for success: judgement, industry, health. And the greatest of these is judgement.
– William Maxwell Aitken

Thirteen virtues necessary for true success: temperance, silence, order, resolution, frugality, industry, sincerity, justice, moderation, cleanliness, tranquility, chastity, and humility.
– Benjamin Franklin

Find a need and fill it.
– Ruth Stafford Peale

Put your heart, mind, intellect and soul even to your smallest acts. This is the secret of success.
– Swami Sivananda

Four steps to achievement: plan purposefully, prepare prayerfully, proceed positively, pursue persistently.
– William A. Ward

Success follows doing what you want to do. There is no other way to be successful.
– Malcolm Forbes

Always aim for achievement, and forget about success.
– Helen Hayes

Success, which is something so simple in the end, is made up of thousands of things, we never fully know what.
– Rainer Maria Rilke

Self-trust is the first secret of success.
– Ralph Waldo Emerson

The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed.
– Henry Ford

So once I shut down my privilege of disliking anyone I choose and holding myself aloof if I could manage it, greater understanding, growing compassion came to me.
– Catharine Marshall

The most important single ingredient in the formula of success is knowing how to get along with people.
– Theodore Roosevelt

Remember, the bread you meet each day is still rising. Don’t scare the dough.
– Macrina Wiederkehr

The art of dealing with people is the foremost secret of successful men. A man’s success in handling people is the very yardstick by which the outcome of his whole life’s work is measured.
– Paul C. Packe

The ability to form friendships, to make people believe in you and trust you is one of the few absolutely fundamental qualities of success. Selling, buying, negotiating are so much smoother and easier when the parties enjoy each other’s confidence. The young man who can make friends quickly will find that he will glide, instead of stumble, through life.
– John J. McGuirk

Networking is an enrichment program, not an entitlement program.
– Susan RoAne

Respect for people is the cornerstone of communication and networking.
– Susan RoAne

No matter how much a man can do, no matter how engaging his personality may be, he will not advance far in business if he cannot work through others.
– John Craig

The way to rise is to obey and please.
– Ben Johnson

Skill is fine, and genius is splendid, but the right contacts are more valuable than either.
– Sir Archibald Mclndoe

Whatever your grade or position, if you know how and when to speak, and when to remain silent, your chances of real success are proportionately increased.
– Ralph C. Smedley

That they can strengthen through the empowerment of others is essential wisdom often gathered by women.
– Mary Field Belenky

A man can succeed at almost anything for which he has unlimited enthusiasm.
– Charles M. Schwab

You have to block everything out and be extremely focused and be relaxed and mellow too.
– Jennifer Capriati

I’ve never sought success in order to get fame and money; it’s the talent and the passion that count in success.
– Ingrid Bergman

Flaming enthusiasm, backed up by horse sense and persistence, is the quality that most frequently makes for success.
– Dale Carnegie

How to be powerful PERSON

December 5, 2011

How to be powerful PERSON

Learn how to handle

If you want power, you must first learn how to handle it. This is because if you can’t handle it, it can be your worst weakness. Also, if you know how to handle your weaknesses, it can be your best power. People always crave to gain strengths and powers, while usually ignoring their weaknesses. Thus, they don’t achieve a balanced power – the true power. It is the power that can overcome not only a weakness, but also another power.

If you can manage knowledge, the truth, your million dollar income, or even just your one month free Internet access, then it’s a great power. Moreover, if you can manage your life even when you’re in the dark, you’re poor and don’t have any advantages, then that’s also a great power. If you will combine these two, you can have a greater power – a power that can handle almost everything in life. Thus, you should have power in both hands. So practice not only handling troubles, but also pleasures – if you don’t want to get into another form of trouble.

Have the best self-defense

You need to have the greatest self-defense anyone could have. This is the one that is more powerful than any of the Earth’s nuclear weapons. This is the one that is more effective than any of the world’s best martial arts. Your best self-defense is one that can defeat your greatest enemy – your worst self. Your worst self is your external self that conspire your worst adversaries, such as your greed, wrath, pride and envy. Your best self is your inner and spiritual self that works together with the things that can give you eternal salvation, such as love, faithfulness, compassion, forgiveness, gentleness, humility and patience.

Plant and harvest powers

Do you want to get powers? Plant them so that you can harvest. Do you want a stable financial power? Be prudent and diligent. Do you want to have a firm political power? Be helpful and be nice to people. Do you want to have a marketing power? Then be social and relational. Do you want a powerful body? Then invest discipline and hard work. Do you want to have a great spiritual power? Then keep on planting love, patience and humility. The secret of power is that it is not what you get after you work, but it is what you get while working. That is why power is defined as the rate at which work is performed.

Be spiritual and metaphysical

Our science and technology becomes more powerful as the time passes by. This happens because our discoveries on the things in the smaller scale are increasing. Before, our phones and televisions are huge and heavy. But now they are getting smaller and more powerful. This is because our knowledge is moving into the smaller world – the world of nanotechnology. Furthermore, our scientific understanding of the Universe has also increased because of the formulation of quantum physics. But what’s the point?

The point is that the more we get into the smaller and more invisible things the more we become powerful. So if atoms and subatomic particles are powerful, how much more those that’s more invisible – the spirits. The Universe is not infinite and it will end, but the spirits will remain forever. If you want to become powerful and eternal, you should understand the spiritual things. You should live in the spiritual world. You should feed on the spirits of love, kindness, joy and the like.

Serve greatly and humbly

If power is the rate at which work is performed, you can be powerful if you work in full. Powerful persons are the ones who work purely. They are the ones who love fully and serve greatly. And more than that, they are the people who can serve while staying in humility. These are the people who are considered the servant leaders. They are called great leaders because they serve what’s the greatest, without making themselves proud. They do it not for pride, but for the honor and glory of their people. Just think again and consider this: the greater the people they serve the more the power they obtained. Now are you wondering why God is the most powerful? It is because He serves the greatest in the humblest way.

Remember that true power is not just an ability, but also a purity. It is not just a rate, but also an immeasurability. Finally, it is not just a quantity, but also a harmony. So, how do you feel? Did you feel an increase in your power? Did this article somehow increase your power to live? Thank you for reading. Please consider sharing this humble power to your friends.

Top 10 Tips To Promote Your Business On Facebook
Navneet Kaushal July 18th, 2011

With a user base of 750 million users, Facebook is like a huge-unexplored market for your business. There are millions of potential customers on Facebook that are waiting for you to reach them. So, in case you are wondering how to take your business to Facebook- the method is fairly simple. As, the social network allows you to put your business out there, and even provides multiple tools to aid you in spreading your business.

Here are the top 10 ways to use Facebook for business.

1. Create a Page- This goes without saying, that to have an impressive Facebook presence, you need to get there first, and create a ‘Page’ for your business. You have to choose the type of page you want to create. Your obvious choice here is the business page.

This has certain details to be ironed out-

Facebook vanity URL, which you have to claim for unique business identity. Initially when you create the page, Facebook offers each Page a “Vanity URL” once the page has 25 fans or more. When you set out to select one, be very careful as once you choose a name, you can’t change it. You will be guided step by step to sign up for the URL here-
Static FBML- Make sure to like this page on Facebook. Then with HTML, you can create your own personalised tabs. For example, if you are a boutique- the tabs could be- Womes’ party Wear; Men’s Section, etc. This will make your page standout.

Source- Blog Design Studio

Landing page- With the Static FBML, you can design your own landing page- which will be first thing people will see, when they come to your page. Now making this page as attractive as possible must be your focus, only then can you be certain of getting a ‘LIKE’ from every visitor. Here are a few examples of exciting landing pages, that are in tune with products and their target audience too.
For any confusions about page creation, please go here:

2. Build Your Profile- Fill out the details about your business, location, contact details everything. Tell people what you are all about and what all services/products you offer. Fill the ‘About’ section completely. One thing that completes your profile information is a picture. The Profile Picture, has to be chosen smartly to fill in the more vertical space provided by Facebook. Here are some interesting examples.

For any confusions about page creation, please go here:

2. Build Your Profile- Fill out the details about your business, location, contact details everything. Tell people what you are all about and what all services/products you offer. Fill the ‘About’ section completely. One thing that completes your profile information is a picture. The Profile Picture, has to be chosen smartly to fill in the more vertical space provided by Facebook. Here are some interesting examples.

3. Linking Your Page- Explore the multiple Apps by Facebook to link your page to Twitter, blogs etc. Integrate your Business Website to Facebook too. Add a LIKE button, so that people can be directed to your FB page. This is essential so that initial traffic on your website is directed to your facebook page too.

4. Explore Similar-Related Businesses- To make your presence known, search for similar pages, and LIKE them. Comment on relative posts there. Like what other people have written. The concerned parties will get a notification, that you have arrived. They will no doubt come to your page.
For example, if you are a Book Publisher Page, then go and LIKE the pages of authors you publish, interact with their fans.

5. Status Updates- What do you put up on your Facebook Page is of utmost importance. The key here is to be interesting-interactive and innovative. Do not brag about your services all the time. Involve people. Ask them a question. Invite them to share. For example, if you are a Chocolate Manufacturer- you could put up a status update like: “When was the first time someone gifted you a box of chocolates?” People will surely respond to that. This section also includes ‘Polls’ and ‘Questions’ and ‘Notes’. Facebook has an excellent application for creating them.

6. Post interesting videos. They may be related to your business, or may be something interesting you came across. The idea here is again- to generate curiosity, encourage audience participation and involvement. This also involves creating albums of your top/latest products or staff. For example, if you are a Shoe Retailer- Create an album of the latest shoes that have come in. Ask people to share them.

. Keep Your Wall Open- Allow people to interact with you. Put out a status update, inviting them to clear all their queries. For example, if you are a Clothes Retailer, you can say, “Anything you wanted to know about our products and their warranty/exchange policies. Please feel free to ask. We will sort every query”. Allow people to interact with you, the admin, as well as each other.

8. Events- Organize events, and then promote them on Facebook with the ‘Events’ App. Put up pictures of these events. Spread the link as much as you can.

9. Facebook Ads- Facebook places your ads on relevant profiles. They promote it through various ways. For example, they show it as a page to someone as liked by a friend, in other ways recommending on basis of familiarity.

10. Incentives- Providing users with a reason to like your page by offering a free gift or a discount coupons works miracles. This will shoot up the LIKES on your page pretty steadily. A little investment can go a long way in creating a fan base.


These are the basics that you must follow. However, you must base your strategy according to your target audience. Study their preferences on Facebook and work accordingly. Remember the mantra:

Interesting- Innovative-Interactive- is how your you Facebook business Page must be.

Check out Page Traffic Buzz for more articles by Navneet Kaushal

About The Author
Nav is the founder and CEO of Page Traffic, a premier search engine company known for its assured SEO service, web design and development, copywriting and full time SEO professionals. Navneet has wide experience in natural search engine optimization, internet marketing and PPC campaigns. He is a prolific writer and his articles can be found in the “Best Articles” section of many websites and article banks. As a search engine analyst , he has over 9 years of experience and his knowledge is in application here.