We are living creatures who are analytical in nature. We study and come out with solutions to different matter or problem. We decide according to the figures which is calculated and come out with a solution.
In marketing, we place people into categories. It might sound bias. Why? First of all we are judging people based on their net worth. The amount of experience doesn't mean that the person is capable financially. A proper analysis has to be done. Keep aside the status and look at the marketing strategy. Marketers have to do a study of the market. They must know who are the spenders and those who aren't able to spend. This will make things easier or straight forward. It also safe time.
Those who are able to spend are those who are working or earning a stable income. The wealth of a person is based on the savings that a person has. How do we calculate savings. Net income minus whatever expenditure equals to savings. It is appropriate that a person safe 10 percent of his/her income. Take for example, Jack earns $2000. 10 percent of $2000 is $200. It is important to safe for the future and retirement.
Where can Jack safe his money. He can open an account with the bank which is the savings account. He can also make an investment with any unit trust company. Jack is able to hedge against inflation and see his money grow by having regular savings. Another method is by saving up with an insurance company. Nowadays insurance companies do come out with plans which help one to safe while getting a sum assured. There are also retirement plans that provide saving plus protection. One can have no hassle when come to their retirement or when they need medical treatment. Their worries are all answered by the insurance company.
The net worth of a person is the amount of cash he has in hand and also the amount of investment he has made. Most of the time the real value of the person is an assumption due to the outcome of the investment the person has made. Why? This is because the investments that the person make might derived profits or loses. In this case it is based on the future performance of each investment portfolio that person has made.
So the question is, how much do you worth?
Friday, January 28, 2011
Tuesday, January 25, 2011
You Are What You Eat.
We are what we eat. Many would agree with the following statement. We don't realized that the food we put in might have severe effect to our body. A person without awareness will surely gobble everything which is being fed to them. Food education is very important because we need to know what to eat and how much of a portion. Eat correctly is important and essential to have proper health and growth.
We can't say not to eat at all. Our body need nutrition and appropriate supplements to keep us strong and healthy. The choice of not eating at all is not correct. We must eat but we must know what we are putting into our body. It is simple sense, garbage in will derived garbage out. The food that we take in might cause an effect to our internal organs such as our liver and kidney. Too much sugar and fats will cause diabetes and also blockage to our arteries. The fats which accumulated in our blood stream will cause our heart to work harder and very soon our heart will fail us.
Malaysia is blessed with various types of local delicacies. Since it is a racial country, we have lots of different kinds of food. These sort of food can be unhealthy especially those with lots of oil or deep fried. The amount of fatty fats is high in content and this is very bad for our heart. Fats is essential to our body but we must take in good fats. Those fats which are sustainable will cause blockage to our main arteries and soon we will have heart failure and so on. We can eat but we must control on our intake and not to try to eat either oily or salty food.
Exercise is very important. It is as important to taking essential vitamins. We are kept alert when we do a fair amount of bodily exercise. This will improve our blood circulation and also to keep our body fit. There are many forms of exercise. We can go for morning walks and this will keep us fresh and up and going for the day. It is always important to drink lots of water too. Water will help us to wash away all the toxic and also to keep us rejuvenate.
The idea of joining a marshal arts class will help to improve our overall being. We will learn to be more discipline and also we will remain fit and ready. In these sort of classes, we are training our body and mind to focus on the things that we are doing and not to laps. Once we train ourselves and keep the morale going, we will find that we have no problem falling back when we go out of the norm.
Always remember that everything that comes easy will never last. Every day is a learning curve and we become stronger by doing exercises. We need to start with a well foundation and with that we are able to go back in line when ever we deviate. Best of luck to everyone and keep a healthy body and mind. A healthy person is always a joyful person.
We can't say not to eat at all. Our body need nutrition and appropriate supplements to keep us strong and healthy. The choice of not eating at all is not correct. We must eat but we must know what we are putting into our body. It is simple sense, garbage in will derived garbage out. The food that we take in might cause an effect to our internal organs such as our liver and kidney. Too much sugar and fats will cause diabetes and also blockage to our arteries. The fats which accumulated in our blood stream will cause our heart to work harder and very soon our heart will fail us.
Malaysia is blessed with various types of local delicacies. Since it is a racial country, we have lots of different kinds of food. These sort of food can be unhealthy especially those with lots of oil or deep fried. The amount of fatty fats is high in content and this is very bad for our heart. Fats is essential to our body but we must take in good fats. Those fats which are sustainable will cause blockage to our main arteries and soon we will have heart failure and so on. We can eat but we must control on our intake and not to try to eat either oily or salty food.
Exercise is very important. It is as important to taking essential vitamins. We are kept alert when we do a fair amount of bodily exercise. This will improve our blood circulation and also to keep our body fit. There are many forms of exercise. We can go for morning walks and this will keep us fresh and up and going for the day. It is always important to drink lots of water too. Water will help us to wash away all the toxic and also to keep us rejuvenate.
The idea of joining a marshal arts class will help to improve our overall being. We will learn to be more discipline and also we will remain fit and ready. In these sort of classes, we are training our body and mind to focus on the things that we are doing and not to laps. Once we train ourselves and keep the morale going, we will find that we have no problem falling back when we go out of the norm.
Always remember that everything that comes easy will never last. Every day is a learning curve and we become stronger by doing exercises. We need to start with a well foundation and with that we are able to go back in line when ever we deviate. Best of luck to everyone and keep a healthy body and mind. A healthy person is always a joyful person.
Monday, January 24, 2011
The Rise of Medical cost Yearly.
Not many people can ill afford to fall sick let alone receiving long-term treatment such as tumor or cancer. This is a problem to many as they will be treated as an out-patient or worst, no place for them if we do not meet the criteria of the hospital. In short, we do not have the resources to be admitted into the hospital if there is anything which is unforeseen.
It is very distressing at times. Due to the increase in the cost of living and no changes in our income or salary, we will feel the pinch when comes to medical bills. If we can't pay a deposit, hospitals will have the right not to give treatment to us and this is a far cry a problem.
There are methods to solve our problem. One of it is redrawing our savings from the bank or unit trust company. How many can ill afford to do so? Again, with the rising cost of living, everything is getting expensive while there is no changes to our income. Not many can leave a luxury or have savings. We have to be thrifty and spend within our means. We must put aside some money for our saving and to meet the demands of the future because we would never know when we need that sum of money. Yes, we can have options but yet again, not many will have the luxury to spend. In times of need or when we need to be admitted to the hospital, without a plan or saving, we will never get to be treated and we will leave in agony. Why put yourselves into such trouble?
Cry no more. You can reduce your burden when you sign-up for a health plan. You pay a little bit but you are covered. You are given first-class priority when admitted to hospital. You are able to be boarded. No one is going to chase you away because you have the right to receive treatment. With the medical card, you can just show to any private or government hospitals and they will accept you without any conditions. You surely have done a right thing by saving up a little but getting a huge sum of benefit. You will not have the headache again when receiving treatment or being admitted to the hospital. You are rest assured that you will have such treatment compared to those with lots of money. Why spend so much when you spend a bit by signing up for a policy which is well taken care of. A right frame of mind will tell you that one surely need such protection.
There rise in diseases such as chronic, hyper-tension, cancer, stroke and so on is due to the stress in today's competitive environment. One will have less rest and lots of worries and anxiety. Put aside a sum of money just in case we need them for our medication bills. It is always wise to be ready because there is no way we can go against the force of inflation but to leave it to institutes that is recognizable and have the financial support.
Are you well covered?
It is very distressing at times. Due to the increase in the cost of living and no changes in our income or salary, we will feel the pinch when comes to medical bills. If we can't pay a deposit, hospitals will have the right not to give treatment to us and this is a far cry a problem.
There are methods to solve our problem. One of it is redrawing our savings from the bank or unit trust company. How many can ill afford to do so? Again, with the rising cost of living, everything is getting expensive while there is no changes to our income. Not many can leave a luxury or have savings. We have to be thrifty and spend within our means. We must put aside some money for our saving and to meet the demands of the future because we would never know when we need that sum of money. Yes, we can have options but yet again, not many will have the luxury to spend. In times of need or when we need to be admitted to the hospital, without a plan or saving, we will never get to be treated and we will leave in agony. Why put yourselves into such trouble?
Cry no more. You can reduce your burden when you sign-up for a health plan. You pay a little bit but you are covered. You are given first-class priority when admitted to hospital. You are able to be boarded. No one is going to chase you away because you have the right to receive treatment. With the medical card, you can just show to any private or government hospitals and they will accept you without any conditions. You surely have done a right thing by saving up a little but getting a huge sum of benefit. You will not have the headache again when receiving treatment or being admitted to the hospital. You are rest assured that you will have such treatment compared to those with lots of money. Why spend so much when you spend a bit by signing up for a policy which is well taken care of. A right frame of mind will tell you that one surely need such protection.
There rise in diseases such as chronic, hyper-tension, cancer, stroke and so on is due to the stress in today's competitive environment. One will have less rest and lots of worries and anxiety. Put aside a sum of money just in case we need them for our medication bills. It is always wise to be ready because there is no way we can go against the force of inflation but to leave it to institutes that is recognizable and have the financial support.
Are you well covered?
Friday, January 21, 2011
Loving It.
The reality of waking up early and getting to work is a total disaster for me nowadays. I am just too stubborn to move myself to get to the place of work. I am not sure of the reasons but I am sure this is getting to be the dreadful habit which I am immune to. This might sound costly and not right. There will be implications which might sound awfully wrong.
The only answer is to love what you don't love doing. There is a saying, if you love your job you work no longer but remained joyful. No matter what the consequences are if we put on the right mood when we work, we work no longer because work will become a fun thing and it will become enlightening instead of a burden.
Some homework has to be done in order to have such privileges. Finding the right tune is always challenging but it will be rewarding if we find the solution.
My kind of job is based on performance and production wise. No production, no salary. It is that simple and finding the right tone for the job is all that matters. My job is very different than a desk job because I have to be out at the open sun to get the business coming in. This is obviously very challenging but it helps me to stay fit and healthy. Less activity means less exercise and less exercise means unhealthy. Besides that, I learn to be more discipline and also versatile because it gives me the drive to succeed and there is no other than a marketing job.
My job requires me to make as many calls. The numbers are large and this is the only way to close a deal. I have to say I am a bit afraid to make calls. I feel that I might offend the other party over the other side. The worst scenario is get rejected in a harsh way such as slamming of calls and so on. These are the challenges that I face but it some how become a norm to me and I am now unfazed about those bad moments. Back to the topic above, loving what you do. If you love and adore what you do, no matter what the consequences you will persevere to the end.
Closing is as important as opening a case. I would say opening a case is very simple. The only difficult part is closing. This means getting the prospect to sign on the dotted lines. This is an art and there are many ways to close a deal. I might just need to attend more classes on closing a case. Timing is all important in closing a deal as waiting too long or procrastinating will spoil the mood of the person and closing might become more difficult. Be more observant and look at the reaction of the person before making the move.
I am now loving myself and work. Yes, loving yourself is the first step to loving what you do. Try to reward yourself after a success. This will surely help you to move on and to love your job.
The only answer is to love what you don't love doing. There is a saying, if you love your job you work no longer but remained joyful. No matter what the consequences are if we put on the right mood when we work, we work no longer because work will become a fun thing and it will become enlightening instead of a burden.
Some homework has to be done in order to have such privileges. Finding the right tune is always challenging but it will be rewarding if we find the solution.
My kind of job is based on performance and production wise. No production, no salary. It is that simple and finding the right tone for the job is all that matters. My job is very different than a desk job because I have to be out at the open sun to get the business coming in. This is obviously very challenging but it helps me to stay fit and healthy. Less activity means less exercise and less exercise means unhealthy. Besides that, I learn to be more discipline and also versatile because it gives me the drive to succeed and there is no other than a marketing job.
My job requires me to make as many calls. The numbers are large and this is the only way to close a deal. I have to say I am a bit afraid to make calls. I feel that I might offend the other party over the other side. The worst scenario is get rejected in a harsh way such as slamming of calls and so on. These are the challenges that I face but it some how become a norm to me and I am now unfazed about those bad moments. Back to the topic above, loving what you do. If you love and adore what you do, no matter what the consequences you will persevere to the end.
Closing is as important as opening a case. I would say opening a case is very simple. The only difficult part is closing. This means getting the prospect to sign on the dotted lines. This is an art and there are many ways to close a deal. I might just need to attend more classes on closing a case. Timing is all important in closing a deal as waiting too long or procrastinating will spoil the mood of the person and closing might become more difficult. Be more observant and look at the reaction of the person before making the move.
I am now loving myself and work. Yes, loving yourself is the first step to loving what you do. Try to reward yourself after a success. This will surely help you to move on and to love your job.
Tuesday, January 18, 2011
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