The Secret To Making Financial Resolutions You'll Actually Keep

For 2014, a record number of consumers — 54% — are considering making a financial New Year’s resolution, according to a study by Fidelity Investments. One reason could be that 26% of survey participants say they are in a stronger financial situation than they were a year ago, compared to 19% last year.

If you also plan to make a financial resolution, you may have learned from past New Years that it’s much easier to make a resolution than to achieve one. The same study found that about three in ten people fall off the bandwagon.

So what’s the key to succeeding? Having a well-crafted goal.

“It’s easier for us to stay motivated with goals that have certain elements to them,” says Dr. Will Meek, a psychologist in Vancouver, Washington. “If we shape a goal well, it’s something we’ll continue to pay attention to and that will help us stay motivated. If we don’t shape it well, we’ll lose track of it and lose our motivation, and it won’t come to be.”

Below are tips on creating strong goals in general and around the top three financial resolutions people make — as well as an extra one we think you should add.

How To Formulate Strong Resolutions

1. Be positive.
Goals should be positively worded, says Dr. Meek. For instance, instead of saying something like, “We’re going to spend less money on frivolous things,” say instead, “We’re going to spend money only on things we truly value.”

2. Focus ruthlessly.
It’s easy at the New Year to become over-ambitious and think you’ll overhaul your entire life. But if you try to do too many things at once, you’ll be spread too thin. If you really want to make some changes this year, focus on one to three things that really matter to you, so you can put in the time and effort to achieve them.

3. Be specific.
Dr. Meek says the key elements of a strong goal can be summarized with the acronym SMART, starting with Specific.

“We want the goal to be as specific as possible rather than general. It keeps our attention on point, so we don’t say, ‘I’m going to be healthier’ but instead, ‘I’m going to eat two portions of vegetables two days a week,’” says Dr. Meek.

4. Make your goal measurable.
Goals also need to be Measurable, he says. “If we can track our progress, it can help with our motivation,” he says. If you have a goal of paying off $2,000 in credit card debt, you can easily break it down into four $500 payments, and get a boost as you watch yourself get 25%, then 50%, then 75% of your way to your goal.

5. Keep your resolution attainable.
“If [a goal is] so out of reach, that’s demotivating,” he says. If you know your tendency is not to be realistic about what you can accomplish in a given period of time, start tracking your time or looking back at your past accomplishments and how long they took you to achieve to get a sense of what’s possible.

6. Choose a goal that’s relevant.
Dr. Meek also recommends making your goal Relevant — “this is something that matters to me.” If you make a goal because it’s something you think you should do, but you personally don’t care much about, you’re much less likely to accomplish it. Part of this is just about framing, he says. While you might personally be bored by the idea of saving more, if you connect it to giving your child the best college education you can, that will be much more motivating.

7. Make it time-bound.

Finally, your goals should also be Time-bound, so they have a deadline, as that pressure will help you ensure you reach your goal. So, for instance, your goal of paying of $2,000 in debt should have a deadline of, say, April, so you know exactly what date you are aiming for.

Once You’ve Made Your Resolutions …

1. Check in regularly.
Make sure you don’t lose sight of your goal. Create a prompt for yourself that will always remind you of it. For instance, decide that every time you pay the mortgage, you’ll revisit your financial resolutions. Make sure you are doing a check-in at least once a month, and during that time, appreciate what you’ve already achieved. If you’ve made it this far, you can reach your goal.

2. Remind yourself of your motivation.
Once you’ve got all your resolutions set, document all your goals and your reasons for committing to them.

3. Don’t give in to downward spirals.
Finally, if you get off course, don’t beat yourself up or dwell on your mistakes. It will only make yourself feel worse, and you’ll end up even further off track. “When you slip up, get right back on as soon as possible,” Dr. Meek says.


How To Create Strong Financial Resolutions
For the third straight year, the Fidelity survey found that the top three New Year financial resolutions are saving more (54%), paying off debt( 24%) and spending less (19%), with the debt resolution passing “spending less” for the second most popular slot. It’s also increased threefold since 2010, when only 8% of respondents intended to pay off debt.

1. Saving More
If you intend to put away more money this year — whether for a rainy day, a down payment, a dream trip, your child’s college education or something else — Mary Beth Stojohann, certified financial planner and CEO and founder of Workable Wealth, says, “Always automate your savings. It’s hard to do a transfer on your own.” For instance, she recommends you set up automatic 401(k) or Individual Retirement Account contributions or automate a regular transfer from checking to savings.

2. Paying Off Debt
First, stop contributing more to your debt.  Also keep a little rainy day fund of at minimum $1,000 so an emergency expense doesn’t end up on your credit card.

Second, she says, don’t chip away at your debt by sending random payments toward each debt every month. Instead, send as much as you can toward your debt with the highest interest rate, and then pay the minimum on all your other balances. “That will save you the most money in the long run,” she says.

Finally, as with savings, automate those debt payments.

3. Spending Less
Set a threshold for your big purchases, suggests Storjohann. “It’s one thing to spend $20 at Target on a whim, but if you ever want to buy something $50 or $100 or more, give yourself at least a 24-hour waiting period to make sure you’re reflecting on the purchase,” she says. “Ask yourself what you’re giving up in lieu of this purchase. Is it going to be that you’re not going to go out for the next month? Where are you going to make up the difference? Because it’s money that hasn’t been accounted for.”

She recommends setting your threshold at $50 or $100, depending on your budget. During your waiting period, ask yourself why you want this item and what it means for you — whether you really need it or want it to keep up with the Joneses. If it’s more the latter, remind yourself, “When you’re comparing yourself to other people, you’re seeing their best self — not the financial issues behind-the-scenes that make you keep up with them,” she says.

4. Bonus Resolution: Earning More
When it comes to improving their finances, most people turn to “austerity” measures like paying off debt or spending less. But they often don’t consider making more money — and that resolution should be on a lot more lists, as it will make it easier for you to save more and pay off debt without having to spend so much time and energy on cutting back.

5. Get creative about ways to earn more. Start with your salary — check out websites like Payscale, Glassdoor and Salary.com to see what you could be earning for your position and experience in your city. Then, come up with a plan for wowing your boss, so you can make a strong case for a raise or some kind of increase in benefits — or, if you feel up for navigating what is a trickier dance, interview for other positions to get a counteroffer or even jump ship.

6. Finally, consider decluttering — and profiting from it. Sell gently loved valuables on sites like eBay or Craigslist, or take brand-name items to consignment shops.
http://www.forbes.com/sites/laurashin/2013/12/30/the-secret-to-making-financial-resolutions-youll-actually-keep/

How To Switch Off From Technology (And How It Will Benefit Your Wellbeing)

Whether lost, listening to music, keeping in touch with friends or just desperate to Instagram your spaghetti bolognese - your smartphone or device, lightweight and fitting snuggly into your hand like a cashmere glove, is all you need to do... well... anything.

The flip-side of this new-found, much-loved convenience is, of course, addiction.

Raise your hand if you've ever scrolled through Facebook in your pitch-black bedroom until the early hours or rolled over to check your work emails/Instagram/Twitter feed first thing in the morning.

Yeah, we thought as much.

"Phones are such an intrinsic part of everything we do," says Poorna Bell, HuffPost UK Lifestyle editor speaking to HuffPost Live. "But people just don't have boundaries."

Just like any other addiction, being glued to our screens 24/7 isn't without consequences.

We spoke to Dr David Hamilton, author of How Your Mind Can Heal Your Body, to find out the benefits of switching off.

And, for those who love their phone more than their own parents, we've got some easy-to-follow tips on how to get some screen sense.



Benefits Of Switching Off
1) Gives the mind a rest so we're less stressed
Having instant and constant access to news, information, etc, means we rarely give our minds a rest. The mind and body need rest. We're being bombarded with information all day so we need to switch off for the sake of our own health, otherwise there's more likelihood of us getting stressed throughout the day.

2) We get better sleep quality
Sleep quality if affected by what's on our minds.
We absorb so much negative content when we read the news on a smartphone or tablet last thing at night. It affects many people's sleep quality so they end up waking up in the morning not feeling rested and refreshed.

3) It's better for our relationships
Many relationships suffer because we spend so much time online that we talk much less. Many couples even have their smartphones on the table while they are, supposedly, enjoying a romantic meal.Switching off gets us back to connecting with one another face-to-face again.

4) It can make us happier
Social network research shows that the more good quality relationships we have the happier we tend to be/ Many people develop a lot of their relationships online and not face-to-face. Some take pride in the number of 'friends' they have on Facebook, yet the amount of face-to-face time they enjoy with friends declines.
There is no substitute for face-to-face contact. We're wired to benefit from connecting with one another. Face-to-face contact is actually good for the cardiovascular system. Depriving ourselves of this at the expense of being online is not so healthy for us, mentally and physically.


How To Switch Off
1) Just decide
Sometimes just knowing that being switched 'on' all the time is detrimental to our mental and physical health, and also that of our relationships, is a motivating factor for people to just decide to switch off more.

2) Set some rules
It's beneficial in relationships and in families to set some rules. Without boundaries, many people just default into switching on all day and night. Rules can be, 'no phones or tablets at the dinner table', 'no internet in the bedroom', or 'no internet during lunch', for instance.
Sometimes, just these little rules can be a relief because many people just switch on out of boredom, so rather than rest they're bombarding themselves with more information. Rules give us an information break and let us get more from our real downtime. It feels good knowing that when you go to bed, for instance, the day's work is over because that's the rule.

3) Challenge yourself
If you're really up for it, challenge yourself to go one day a week without switching on. It might be hard at first but it will become easier if you keep it up a day a week for few weeks.

You'll then realise that it's actually not that difficult and it feels really good. It feels relaxing. It's like a little holiday - a day off.

http://www.huffingtonpost.co.uk/2013/10/18/screen-sense-how-to-switch-off-technology_n_4120591.html?utm_hp_ref=uk-wellbeing

9 Tips for Seizing Control Of Your Life

1. Here today, gone today – live life now! Security is an illusion, so seize life today.

2. Follow your inner compass – your intuition. When you commit to the journey, you will always end up in a place you describe and recognise as better than your starting point.For me, intuition is a feeling I get in my stomach that a certain course of action should be pursued- normally it makes no sense from a rational perspective! For others, it is a compelling inner voice, sending them on their journey. The key is to find out how your intuition delivers. Then, once you’ve identified it, use it as your compass. The more you use it, the stronger this “core muscle” works.

3. Don’t commit your dreams and aspirations to the “normal” pros and cons approach. Remember, in the context of your dreams, knowledge will always give you enough reasons not to act.

4. Self awareness is the most important attribute a leader could develop, according to the Stanford Business School Advisory Committee, so start the journey today. Remember seeing, not solving, the problem is the ultimate challenge. When you are on the trip, you start to see!

5. Become a sponge – move towards expert status in your niche! You are a lot less than 10,000 hours away from not just getting, but creating a job! A commitment to ongoing learning is a key attribute of achievers.

6. Discover your purpose: live on flow and you’ll never truly work another day in your life! Reflect on your values and interests – this may give you an insight into your bliss.

7. Model off past success strategies. Even some of the highest achievers I have worked with around the world in companies had a disempowering inner dialogue running.The fact is, you have already shown you have what it takes to live the dreams. As a child, you mastered the art of walking and talking by intuitively knowing that failure brought you closer to success. The Global Entrepreneurial Monitor highlights “fear of failure” as the number one obstacle for potential entrepreneurs.
“Fear” or “failure” were not an issue when you were a child. Add to that the levels of creativity you enjoyed as a child… the ability to let emotions come and go… how curious you were… and you will realise you have truly shown you have what it takes to re-engage in life.

8. Be open to the fact that everybody can be your teacher – from the most annoying person in your life at the moment to the uninhibited child. This type of thinking will open the door to teachers that will show you the way!

9. Take the first step NOW! Crossing the bridge from inaction to action may be the longest bridge in the world, but when you get to the other side, watch your life transform into one of magic and adventure! Remember, the first step can be small or big!

http://inspiremetoday.com/brilliance/9-tips-seizing-control-of-life/

Forget Regrets–Embrace Your Experiences!

We all have stories that make us smile and others that we prefer to forget. We all have experienced personal and professional ups and downs. This is part of the human experience and we should appreciate every moment.

Do not regret the past, as difficult as that may be. The past is behind you with nothing but knowledge in its wake. You can’t change the past, so why not make it an educational tool no different than when you first learned to ride a bike?

Do not be disappointed or discouraged about today. Today is temporary and tomorrow is on its way. Tough times are palatable and surmountable when you look at them from this vantage point.

Do not feel that you are alone in any obstacles that you may be experiencing. You are not alone, for many have struggled in similar ways and their stories abound. Look at it this way; success and failure all have the same byproduct – “wisdom.” Wisdom is a gift gained from the past that serves as the foundation of our future, and if you share it with others, you are helping them on their life’s journey as well.

Share your stories and pay forward your wisdom. Hearing stories of perseverance gives people hope. Such narratives tell people that they are not alone and that they will ultimately prevail.

You are valuable in every sense of the word. What you have already accomplished on this planet is inspirational and motivational to others around the globe. So remember… we are all mentors just by the sheer impression of our footsteps.

http://www.care2.com/greenliving/forget-regrets-embrace-your-experiences.html

Scared? 5 Tips For Using Fear As Fuel

Recently I have been thinking about fear and how it relates to behavior. We typically avoid things that scare us, which, of course, makes perfect sense. We have evolved an instinctive fear of threats and this avoidance behavior is ingrained in us as a way to protect us from harm. However, as is often the case, in the modern world our natural biological defenses can unnecessarily hold us back from deep fulfillment. Many times, that which we instinctively fear can actually be harmless, or even a blessing.

But in order to assess a fear I have found that you have to unpackage it first, to really consider its components and sources, and to figure out whether it’s worth ignoring. By way of example, I recently experienced some fear in dating a man who is unable to walk. When I really thought about my reaction I realized that it was simply a fear of the unknown.

Fear can be something that keeps you from moving forward, from being all that you can be. When you forgo an opportunity, remember, it just might have turned out to be something life changing, or something that you would have loved — you just don’t know. The key is determining whether your fear is borne out of a real danger, or if it is simply the result of apprehension in facing the unknown. In business growth, it’s most likely the latter, not the former. Having a strategy to face fear and move through it can be a huge tool for success. Here are 5 suggestions that may help you get started:

1. Think about your fear, dissect it, and try to determine if it’s a fear of the unknown or a real danger.
2. Learn about it. Do some research. What do other people say about this fear when they experience it? What are the pros and cons of tackling this fear? Let’s say it’s public speaking. What would the impact be on your career or life by focusing on this?
3. Ask a lot of questions. Find other people that have tackled whatever you have fear about and ask them how they approached it. What are the rules of the road? What are some tips, tricks etc.?
4. Find someone to do it with you. When we resist doing something it’s easy to let ourselves down. It’s much more difficult to let someone else down. When I am feeling less motivated to workout, I make a workout date. There is no question whether or not I will show up — I will.
5. Recall how it feels once you have tried conquering your fear. Most people will say that facing a fear is one of exhilaration. I know from personal experience that the things or activities that I fear and conquer end up being some of my proudest moments.

Some fears you know and can plan for. Others just pop up out of nowhere.Use the New Year as a reason to stretch yourself, to attempt a new marketing strategy, to try a new activity that scares you.

http://www.care2.com/greenliving/scared-5-tips-for-using-fear-as-fuel.html?page=1

How To Express Your Feelings In A Respectful Way

People often tell me that they have problems maintaining calm and respectful communication with their partner even though they intended to. They start out fine, but can’t follow through when their partner responds in disrespectful or angry ways. Some of these couples need the presence of an experienced couples therapist to be able to maintain calm and repair disruptions.

This article offers a communication model that outlines how to practice maintaining communication regarding how you feel in an honest and open way while keeping your calm. This is not about feeling good or even comfortable. This is about practicing staying calm even though you feel hurt and angry.

The rationale for this is having a fuller understanding of each other’s perspectives. Feeling angry doesn’t necessarily mean that you are bound to break up. It means that there is something you need to take care of.

If you manage to find solutions together, you will feel closer, safer, and understood on a deeper level. Imagine explaining to your partner that you are hurt and angry in a calm way. Also, imagine that your partner is able to hear you and respond in a loving way.

Because it is easier to express positive feelings and talk about what’s right in your relationship, I will recommend that you start with five positive statements about yourself, your partner, and your relationship. Build from the following, if you like:

What do you love about your partner?

What do you love about the relationship?

What is most important to you?

Give a concrete example of what makes you feel loved.

Give a concrete example of what you look forward to.

Expressing your love, appreciation, and willingness to stay connected and find solutions together is essential for your partner’s willingness to hear you out and consider your requests and proposed solutions to problems you are having.

Expressing feelings of frustration, anger, fear, and sadness is a lot harder and takes some consideration. If you are able to stay calm and collected while you talk about your feelings, your chances of staying on track are higher. If you avoid blaming your partner and instead talk about what you feel, think, and what is important to you and why, it is more likely that your partner will respond positively.

Try to make it easier for your partner to listen to you and refrain from interrupting you and subsequently defending herself/himself. Try to make your statements more about yourself than about your partner. This is probably one of the hardest things to do. Self-expression is about defining yourself and what is most important to you, which is not easy when you are feeling upset and hurt.

It is natural in a relationship to feel at times that the other person is to blame. However, if you consider the matter, you will become aware that you have a responsibility for your own responses and reactions, and how you function as a partner has an influence on the relationship. Your feelings are your own, and to blame others for them is not conductive for your individual or relationship growth.

Before you start expressing feelings of anger and hurt, I recommend that you think about what you are going to say and how you are going to say it. Consider the following:

What are your feelings? Do you feel angry, hurt, sad, scared, lonely, jealous, guilty, etc.?

Give concrete examples such as, “I feel scared when you don’t call.”

Focus more on what you feel, think, and want, not on your partner’s shortcomings. “I feel lonely and I miss what we used to do together.”

Tell your partner why it is important to you that you honestly and openly express your feelings. Make sure you explain that self-expression goes both ways, and that it takes courage to talk about feeling vulnerable. Showing vulnerabilities is a sign of strength, and talking openly and honestly about how you feel is not a weakness.

Be mindful of how you express yourself. Tone of voice, facial expressions, body language, and eye contact are more important than most people think. Most of what you actually communicate to your partner has to do with how you communicate.

Be open and explicit about your intentions for having the conversation.

Make sure you are not having this conversation to get back at your partner. If you are very angry, you might feel vengeful. If that is the case, calm yourself and consider what is most important to you and what kind of partner you would like to be.

Don’t expect immediate success. Self-expression is a skill which takes practice to master. Ask for professional help if you need to.

http://grohhealthyliving.com/how-to-express-your-feelings-in-a-respectful-way/

Manage Your Expectations, Lower Your Stress

When my newly-married sister announced earlier this year that she was pregnant, she was excited -- and oddly quiet about it. She worried intensely and often (as I imagine most mothers do). She didn't like talking about it. What if something went wrong? She didn't want to jinx things her first time out.

That baby is now four months old and the happiest kid I've seen. He smiles easily and often, and my sister's fears were all for naught. But the fact is that her fearful imaginings made things harder and more stressful for her. Her expectation -- that something that could go wrong would, and that she wouldn't be able to handle it -- raised her stress levels considerably.

Your outlook is a product of your own relationship with expectation. What will or won't happen, no one knows. And how we deal with the stress of not knowing, whether to hope for the best or expect the worst, the idea that our expectations always directly affect an outcome is little more than magical thinking.

(If you're a control freak like me, you'll be well aware of how uncomfortable this makes you. Discover ways to curb that inner ogre.)

Your outlook, in the end, is a choice. Some optimists claim to be born with a sunny disposition, and yet they still get to choose how they anticipate and respond to the world around them -- which they have as little control over as a pessimist. The difference is that an optimist can always find something good about what happened.

A true dyed-in-the-wool pessimist, however, likely says he didn't choose that outlook -- the world has simply not proved to be worthy of more. Wrong. Pessimism is a choice, too. It's also a last-ditch effort at control. Because, if things go as wrong as you suspect, you can say, I knew it would happen. Show me a person ruled by pessimism and I'll show you a person who's afraid to get their hopes up.

Here are a few ways to shift your expectations -- and reduce your stress:

• Reframe stress itself. Jan Bruce, CEO of meQ, recently posted a blog about how framing stress as bad can make stress worse -- and so even your expectation of stress and its effects can take a toll (based on psychologist and researcher Kelly McGonigal's work on the subject). Rather than worry that stress is going to screw everything up, learn to see stress as an ally. Your stress response, after all, is your body's effort to cope with external risks and threats. When you can see it that way, and not as some outside enemy, you can reinterpret that stress as you rising to the occasion, rather than the world crashing down on you.
• Stop expecting people to agree with you. This comes from a great post ("7 Things You Should Stop Expecting from Others") on inspirational writers Marc and Angel's blog. If you go into every day expecting that there should be universal acceptance of your ideas and thoughts, you set yourself up for disappointment:
  "You are not in this world to live up to the expectations of others, nor should you feel that others are here to live up to yours. In fact, the more you approve of your own decisions in life, the less approval you need from everyone else."
• Stop expecting people to read your mind. At meQ, Mind Reading is one of the key Thinking Traps that get people stuck. It presumes a few things: One, that if someone really loved you, they would know, and second, that it's everyone else's job to anticipate your needs and wants. This creates stress -- not to mention tension in relationships. Speak up! Communicate precisely what you need and why before you get upset or annoyed. You can cut those emotional responses off at the pass, and change the nature of your day.

http://www.huffingtonpost.com/mequilibrium/managing-expectations_b_4086393.html?utm_hp_ref=healthy-living

September Is The Best Month To Kickstart Weight Loss Success, Says Leading Nutritionist

IF LOSING weight was at the top of your wish list for 2013, it's time to get cracking. September leaves us three months until Christmas and a great incentive to really focus on getting rid of extra kilos we're carrying before the end of the year.

"If you stick to a sensible eating plan now you can aim to lose half a kilo every week, which adds up to 10 kilograms by the end of the year," said Susie Burrell, a leading nutritionist.

According to the most recent study taken by the Australian Institute of Health, cardiovascular disease remains the biggest killer of Australians. Being overweight, having high blood cholesterol and diets loaded with saturated fat are among the most common root causes.

Depressing? The good news is the most effective changes are the small, everyday tweaks you can make to your diet and exercise program.

Here are Ms Burrell's top tips for making the most of the next four months.

1. Eat much less at night
An easy way to do this is eat more at lunchtime and then have a soup or salad for dinner. Try and stop the habit of getting home from work, stuffing your face with a heavy dinner and a dessert.

2. Be honest about your worst diet habit. Then change it.
Do you drink too much at night? Do you eat chocolate after every meal? Do you avoid exercise? Do you drink too much coffee? Just a couple of weeks making this change will help you drop a kilo or two.

3. Limit alcohol to just one or two times a week
This one is a no-brainer. Alcohol is basically a glassful of empty calories and drinking too much can easily lead to overeating. So cut things off at the pass and minimise your drinking.

4. Focus on vegetables or salad to reduce calories from carbs and proteins
Drink a vegetable juice in the morning, eat soup before each main meal and snack on vegetables. They're high in fibre and nutrients and low on calories.

5.Track your calories There are so many Apps around for your phone and you can also put something on your work computer. Even the act of writing a food journal can keep you accountable.

6. Limit eating out to one to two times a week
We eat at least 400-500 extra calories when we eat out so limiting the number of times we do it automatically supports weight loss quickly and efficiently.

http://www.dailytelegraph.com.au/lifestyle/september-is-the-best-month-to-kickstart-weight-loss-success-says-leading-nutritionist/story-fni0d7e5-1226710220234

5 Ways To Become A Better Thinker

We're seduced into believing that brilliant thinkers are born that way. We think they magically produce brilliant ideas. Nothing could be further from the truth.

Do you want to come up with more imaginative ideas? Do you stumble with complicated problems? Do you want to find new ways to confront challenges?

Of course you do. So do I.

But when is the last time you thought about how you think?

Do you have a process for making decisions? Are you using mental models and connecting big ideas from multiple disciplines? Are you taking steps to reduce cognitive biases? Have you defined the problem and do you know what success looks like?

Just as with any skill, some of us are better at thinking than others. Why?

We're seduced into believing that brilliant thinkers are born that way. We think they magically produce brilliant ideas.

Nothing could be further from the truth. While there are likely genetic exceptions, the vast majority of the people we consider brilliant use their minds differently.

Often, these geniuses practice learnable habits of thinking that allow them to see the world differently. By doing so, they avoid much of the folly that so often ensnares others. Eliminating stupidity is easier than seeking brilliance.

"It is remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent." — Charlie Munger

I came across The 5 Elements of Effective Thinking, authored by Dr. Edward B. Burger and Dr. Michael Starbird, which presents some practical ways for us to improve our thinking.


They make a pretty bold claim in the introduction.

You can personally choose to become more successful by adopting five learnable habits, which, in this book, we not only explain in detail but also make concrete and practical.

1.Understand deeply
Don't face complex issues head-on; first understand simple ideas deeply. Clear the clutter and expose what is really important. Be brutally honest about what you know and don't know. Then see what's missing, identify the gaps, and fill them in. Let go of bias, prejudice, and preconceived notions. There are degrees to understanding (it's not just a yes-or-no proposition) and you can always heighten yours. Rock-solid understanding is the foundation for success.


2.Make mistakes
Fail to succeed. Intentionally get it wrong to inevitably get it even more right. Mistakes are great teachers — they highlight unforeseen opportunities and holes in your understanding. They also show you which way to turn next, and they ignite your imagination.


3.Raise questions
Constantly create questions to clarify and extend your understanding. What's the real question? Working on the wrong questions can waste a lifetime. Ideas are in the air — the right questions will bring them out and help you see connections that otherwise would have been invisible. 

4.Follow the flow of ideas
Look back to see where ideas came from and then look ahead to discover where those ideas may lead. A new idea is a beginning, not an end. Ideas are rare — milk them. Following the consequences of small ideas can result in big payoffs.

These are the four basic building blocks for effective thinking. The fifth is change.


5.Change
The unchanging element is change — by mastering the first four elements, you can change the way you think and learn. You can always improve, grow, and extract more out of your education, yourself, and the way you live your life. Change is the universal constant that allows you to get the most out of living and learning. 

If you're stuck, need a new idea, or just want to improve your thinking, The 5 Elements of Effective Thinking will help you on your way.

http://theweek.com/article/index/248412/5-ways-to-become-a-better-thinker

3 Keys to a Happy Relationship, According to Researchers

A new study claims it has found the three keys to a happy romantic relationship. And much to my surprise, none of my guesses–expressing your feelings solely through interpretive dance and icy, silent glares; taking off your bra to distract during an argument; and settling major relationships issues with a game of Rock, Paper, Scissors–made the list.

So what are the key factors linked to happy couplehood? The study tested 2,201 participants referred by couples counselors on seven “relationship competencies” believed to be important in promoting happiness in romantic relationships. The researchers tested for communication, conflict resolution, sex, stress management, life skills, knowledge of one’s partner, and self-management. Of the seven, only three had strong links to relationship happiness:

1. Communication
This is the big one—and probably the least surprising one to anyone particularly good or bad at communicating with their partner. Expressing your needs and feelings to your partner in a positive way was key to the happiness of the relationship.


2. Knowledge of Your Partner
Do you know your partner’s dark secrets? Their hopes and dreams? Their favorite book, guilty pleasure TV show, least favorite pizza topping? Though the importance of communication speaks to emotional needs within a relationship, this one is more practical…but just as important. Robert Epstein, the study’s lead author, points out that strengthening this aspect of the relationship can be relatively easy—as easy as remembering your anniversary, your partner’s birthday, and the names of the friends and relatives. The big stuff is also important—critical subjects like whether you and your partner want children is must-know information.

3. Life Skills
Losing out on promotions because you’re always late? Forget to pay the cable bill on time… every month? Struggle to add money to your savings account to prepare for the future? Those things can erode your relationship even if it’s healthy in other ways. “Communication skills are necessary,” Lisa Neff, a couples researcher at the University of Texas at Austin told Time, “but they’re not sufficient when couples are under stress.”

Do you agree with the three key factors to relationship happiness that this study found? What are the key factors that keep your own relationship happy?

http://www.care2.com/greenliving/the-3-keys-to-a-happy-relationship.html

The Only Career Question You'll Ever Need To Ask

In our work lives, we are constantly asking questions, evaluating our options, and making decisions. This swirl of considerations can be overwhelming at times, and with so many questions to ask it can be hard to know which is more important. The most important career question you’ll ever ask is only three letters long, but packs one heck of a punch. The question is…why? It’s such an important question; I recommend you ask it five times over any time you’re making any major decision at work or in life.

I learned the “5 Whys” tool from Martha Beck, a coaching mentor of mine. Here’s how it works. You identify a stressful thought or an action related to your career or business (e.g., I should quit my job), and then you drill down the rationale behind that thought by asking why five times, going deeper each time.

I use this exercise to help my clients get a better understanding of their thought processes – to determine whether the thought is true, or is simply misguided. You start with a thought or inclination, and with each why you drill down closer to the motivating assumption.

Let’s try:

I should apply for a promotion. 

Why? Because other people are going to apply. Why does that matter? Because I don’t want someone else to get it over me. Why? Because I don’t want to be in a lower position. Why? I don’t want to have no power. Why? I’m afraid I’ll be taken advantage of.


Aha! You’ve uncovered some valuable information. This appears to be a fear-based decision.

It could also go like this:

I should apply for a promotion. 

Why? It’s the perfect job for me! Why? I’d love that job. Why? I’m good at all of those things. Why? I have experience with those activities. Why? I’ve volunteered for those types of projects before.

You can see that the motivating thoughts in these two examples are quite different. Let’s try another common one:

My business needs more social media presence. 

Why? Everyone else is on Twitter. Why does that matter? A business needs to be on Twitter to be successful. Why? Because that’s where the customers are. Why? Because they’re interacting with other people. Why? Because it’s fun and social.

You get the gist. In this example, the person’s thinking might be correct or misguided, depending on the type of business, target market, and marketing strategy. If you operate a dry cleaning business, for example, something like Twitter may be far less relevant than for someone whose services – say, outdoor adventure travel – translate well to social engagement. The point is to dig down to where the seed of your thought is planted and evaluate it.

Note that in both of the above examples, the word should or need is present. Pay close attention to any business or career decision that is driven by a forced or constraining undertone. In the coaching community, we call these types of thoughts “shackles on” – thoughts that feel restrictive and binding. Are you simply trying to keep up with the Jones’, or are you making a well-thought-out decision for your business? The former suggests a panicked and potentially irrational decision, while the latter is more likely to be a good choice.

Doing anything that feels “shackles on,” without being in line with your company’s strategy and values, is a shouldy way of thinking (say it out loud). Steer clear of this type of decision-making. Asking why five times over is especially helpful for sorting out anxiety-inducing thoughts, and it works just as well for personal decisions as it does for professional ones. Try this exercise when you’re struggling with any decision that stresses you out. Better yet, have a colleague or friend take you through it so you can answer aloud. You’ll be able to peg your rationale as either wise or misguided the moment it leaves your lips.

http://www.forbes.com/sites/85broads/2013/08/19/the-only-career-question-youll-ever-need-to-ask/

4 Ways To Boost Your Willpower

Willpower is essential to the accomplishment of anything worthwhile ~Brian Tracy 

Usually when people hear the word “willpower,” they think about things like losing weight or quitting smoking. 

Willpower is certainly helpful when it comes to trying to break those bad habits, but it can also be very beneficial in other areas of your life as well. Willpower is something we are not born with, but must nurture and build up in ourselves. Once you learn to strengthen your willpower, it will give you a leg-up in achieving your goals. How? Because you will then be able to develop an unshakable focus and intensity in purpose! 

So how do you go about building your willpower? 

1. Commit! 

You must be completely and thoroughly committed to reaching your goals. If you are not absolutely committed to what you want to accomplish, there is no way that you will be able to develop sustaining willpower. It is very difficult to be successful in achieving your goals if you harbor second thoughts, excuses, or doubts. Be absolutely honest with yourself and find that “thing” that you truly want to see through until the end. Also keep in mind that simply having the desire to succeed at something does not guarantee accomplishment or success. It is entirely possible for you to desire many things without making a firm commitment. So, you need to be able to figure out that you really want and then plan to take the appropriate actions. 

2. Call on your inner strength. 

Building your willpower takes perseverance. This is a time for you to call upon your inner strength, you know, that extra push you need to get through the tough times. You have made the commitment to take a journey to strengthen your willpower and accomplish your most challenging goals. Great! The truth is, you will have many days of success, but there will also be those days that don’t feel as triumphant. It is on those not-so-good days that you will need to call upon your inner strength to help you get back on track. Every person has an inner strength and most have used it on more than one occasion. Trust in it, and in yourself, and it will get you through your rough spots. 

3. Get support. 

Building your willpower to achieve a goal is a great undertaking. Sometimes it can feel overwhelming. This is why it is so vitally important that you have good support in place during the journey. Share with a friend, significant other, or parent what you are trying to accomplish. In this way, when you hit a stumbling block, you will have someone who you have entrusted to help get you back on the right track. Your support system will help you through the hard times and will celebrate your successes with you. 

4. Consistency counts. 

If you have the willpower, for instance, to stop smoking for one week, that’s great and should indeed be celebrated. But the only way you are going to build your willpower up is to do whatever it takes to avoid a cigarettes today, again tomorrow, and forever. Then soon enough you will be celebrating two weeks, two months, two years, and then forever! 

This strategy applies to any goal that you are seriously devoted to accomplish. You must be willing to keep up the positive behavior all day, each and every day, no exceptions, and no excuses. 

Willpower can be a tricky thing. Everybody wants to develop it in order to break a bad habit or reach a particular goal. But in order to do so, you must be willing to go that extra mile and fully commit yourself to your success.

If you are committed, you are to be commended! As you achieve your goals, remember to celebrate your successes each and every day. 

What are you working on?

http://www.business2community.com/strategy/4-ways-to-boost-your-willpower-0583915?utm_source=rss&utm_medium=rss&utm_campaign=4-ways-to-boost-your-willpower

What To Do When You Don't Get The Job: It Starts With Being Proactive

It’s always disheartening when you don’t get the job. Particularly if it was your dream job and you were one of the final candidates. Yes, it’s OK to be disappointed – even angry and hurt. But don’t let your feelings get the better of you.

Even more important, don’t take out your anger on the employer. You know what they say about not burning bridges. There are many ways that you can be proactive in your approach even after they’ve offered the job to someone else.

Just be sure that you’ve dealt with your emotions before you start.

“First and foremost, take a minute to grieve. Especially if it was your dream job, your first reaction is going to be sadness, anger, frustration, etc. and you want to allow yourself a chance to get it out,” says Sara Sutton Fell, CEO of FlexJobs. “Once you’ve calmed down, THEN it’s time to follow up with the employer.”

Lida Citroen, personal branding expert agrees, “It’s important to maintain your integrity and personal brand, look past the short-term disappointment, and turn the negative into a positive for future job opportunities.”

One way to show how gracious you are is to send a thank you note. While everyone knows you should send a thank you note after a job interview – the majority of people don’t bother. So sending a thank you note when you don’t get the job makes you really stand out in a good way.

That’s why many career professionals suggest doing just that. “Even if you didn’t get the job, they still took their time to speak with you, and it is common courtesy to thank them for the opportunity,” says Citroen.

Ronald Kaufman executive coach and author of Anatomy of Success agrees, “Let them know you appreciate learning the status of the job opening. Repeat your strong points as an employee. Always leave the door open.”

“If you’d like to be considered for future opportunities, say just that,” suggests Fell. “If you were one of the finalists for the job, there’s a good chance that they’ll keep you in mind for other possibilities in the future.”

One thing most career experts don’t recommend is asking why you didn’t get the job. Why shouldn’t you ask? Most experts say you’ll probably never really know. There are many possibilities. Maybe someone else just interviewed better. Maybe you didn’t click with the hiring manager. Generally, if you do get an answer from HR it will be only a vague response because companies are afraid of litigation.

In some cases asking may work against you. “Never ask why you didn’t get the job. It could put the hirer on the defensive and make them feel uncomfortable, pretty much ensuring that they won’t contact you about other possibilities,” says Kaufman.

Others disagree. “In order to learn from this experience, it’s important to find out why they decided to go with another candidate,” says Citroen. “Whatever the case may be, in order to see if or how you can improve, it’s important to determine why you weren’t the top pick.”

Dream Job or Dream Company?

Even if this position didn’t work out you never know what the future may bring. There is always the possibility that the person who was hired may not work out. It does happen. More likely however, another position will open.

The secret to staying on their radar is to nurture the connection. Make sure you get the email addresses of everyone you meet during the interview process so you can contact them later, whatever the outcome. As long as your follow-up doesn’t develop into stalking, it’s OK to stay in touch.

“Read publications that pertain to that company’s industry, and with well-timed and polite ‘conversational’ messages, forward the person articles of interest,” suggests Dawn Rasmusssen career expert and founder of Pathfinder Writing and Career Services. “If you see their name in a publication, clip the article and forward it to them to say, ‘Wow- congratulations!’”

Rafe Gomez, The Rehirement Coach, refers to this practice as sending cheesecake – something sweet, appetizing and irresistible that will be of value to the person. “The cheesecakes could be news of a solution that you delivered or made possible, a blog post that you’ve written about an industry trend or development, original research you’ve done, a new customer success story, or new business that you helped to close,” says Gomez. “The best cheesecakes are concise, infrequently delivered, and offer highly interesting info about your exploits.”

It’s important to also consider whether it was the job or the company that attracted you. If your primary goal is to work for XYZ Company you need a strategic marketing plan. Connect in person whenever possible. Many industry associations have monthly meetings – go and be visible. Find out where the people in your target companies hang out online and connect with them through social media.

“You should also start drinking the social media Kool-Aid to show interest in the company, “says Rasmussen. She recommends that you 1) Follow them on LinkedIn 2 )Look up their company’s Twitter handles and follow them 3) Like their Facebook page and 4) Find out where they blog and make positive, helpful comments.

The important point is to never give up particularly when you’re targeting a particular company or companies. The job market changes daily. Company needs change frequently as well. As Rasmussen says, “If you really want to work at a company, you aren’t going to let one ‘NO’ turn you away from them forever, right?”

http://www.forbes.com/sites/85broads/2013/08/16/what-to-do-when-you-dont-get-the-job-it-starts-with-being-proactive/

The Meditation Method That Might Save Your Memory

If someone told you that memory loss caused by Alzheimer’s and other types of dementia could be reversed without drugs, in less than 15 minutes a day, would you believe them?
Although it sounds like the opening pitch of an annoying infomercial, research has been able to pinpoint a specific kind of meditation that seems to bestow special memory-boosting benefits on dutiful practitioners: Kirtan Kriya.

Researchers from the University of Pennsylvania conducted a study that found that individuals with memory problems saw an improvement in their overall cognition after practicing Kirtan Kriya meditation once a day, for eight weeks.

The study was small (involving only 15 participants) but the findings were definitive—people with memory loss performed better on cognitive tests after incorporating Kirtan Kriya into their lives.

While the benefits of meditation are no secret to the millions of people who practice the ancient form of centering one’s thoughts, these results add further credibility to the ever-growing body of scientific evidence backing up what yogis have known about meditation for millennia.

According to the Mayo Clinic, some other advantages of adopting any form of meditation practice include: reduced stress levels, increased awareness and the ability to be able to concentrate more on the present. Science has also pointed to meditation as a way to manage or prevent certain health conditions including cancer, depression, high blood pressure, problems with sleep, asthma, anxiety and heart disease.

While the link between meditation and these conditions is far from definitive, it’s hard to deny that the practice has value that science is just beginning to understand.

A Kirtan Kriya sample practice
Kirtan Kriya meditation is a principle component of the Kundalini form of yoga. Kundalini yoga aims to enhance the physical energy and mental awareness of each practitioner by unleashing the power of the universal consciousness that resides within each person.


Here are the basic elements of a Kirtan Kriya meditation practice:

1. Take a seat: You can sit on the floor or in a chair, anywhere you feel most relaxed. Try to sit up as straight as you comfortably can. Place your hand on your knees, palms facing up.
2. Practice breathing: Practice slowly inhaling all the way down into your belly, and then, gradually exhaling fully.
3. Start to chant: Kirtan Kriya meditation incorporates a specific syllabic chant—sa (birth), ta (life), na (death), ma (rebirth). Together they form a mantra that proponents of Kundalini yoga say helps practitioners tap into their spiritual center. There are also hand movements that coordinate with each aspect of the Kirtan Kriya mantra. On “sa,” touch your index fingers to your thumbs. On “ta,” touch your middle fingers to your thumbs. On “na,” touch your ring fingers to your thumb. On “ma,” touch your pinky fingers to your thumbs. Each of these gestures is called a “mudra,” a symbolic movement meant to facilitate the flow of energy throughout the body.
4. Repeat: Kirtan Kriya meditation practices may last anywhere from a few minutes to a few hours. The typical practice is about 11-12 minutes long and involves cycling through several different ways of chanting the sa, ta, na, ma mantra; sometimes in a loud voice, sometimes in a whisper and sometimes silently, in your head. If you’re new to Kirtan Kriya, try this as a sample meditation: Chant aloud for two minutes, softly for two minutes, silently for three minutes, softly for two minutes and aloud for two minutes. You can play around with the times, but the important concept to keep consistent is the cycle—aloud, soft, silent, soft, aloud.
5. End with an affirmation: While it isn’t necessary, some practitioners suggest concluding a Kirtan Kriya meditation session by placing your palms together in front of your heart and proclaiming the mantra, “Sat nam,” as a verbal acknowledgement of the sacred truth that lies within you.

http://www.care2.com/greenliving/the-meditation-method-that-might-save-your-memory.html

50 Million Diet Each Year But Only 5% Lose Weight - What's The Best Weight Loss Programs?

Out of the 50 million Americans who go on a diet every year, only five percent are successful in keeping the weight off. What this should tell us is that successful diet programs are those that teach us how to eat sensibly and healthy. Otherwise, the diet will not work. Losing weight the right way is really a matter of cutting the calories--eating fewer calories than you burn--and making a permanent change in eating habits.

Avoid "Miracle" PillsThe key to finding a program that will work is selecting one that is easy to maintain, does not require purchasing special foods, doesn't focus on miracle pills and other substances, but teaches healthy lifelong eating habits. Consumer Reports readers scored MyFitnessPal and Weight Watchers the highest because they encouraged calorie awareness, exercise, and consumption of fruits and vegetables. Jenny Craig was also rated highly. Although this program sells their preportioned foods, it also includes grocery store foods. These programs focus on sound weight-loss principles and weight management.

Beware of Diet Scams
Beware of "quick fix" diet products. Not only can they be harmful but they are not proven to be successful in long-term weight management. According to Dr. Oz, diet pills are some of the most dangerous products on the market. They are drugs and should be treated as such. They can increase your blood pressure enough to cause a stroke, and once you stop taking the pills, the weight piles back on. They are simply not worth the risk of taking a short cut to weight loss.

Eat Less, and Better
Any diet product or program that relies on a specific product does not teach healthy, lifelong eating habits. The only thing that works is eating less, eating more fruits and vegetables, whole grains and protein. Weight loss programs that focus on this are worth looking into. The bottom line on the best weight loss program is to satisfy your hunger with good foods that will not add weight and substituting high-calorie foods with those that contain fewer calories. It's not a diet. It's a lifestyle change.

http://www.newpittsburghcourieronline.com/index.php/health/14742-50-million-diet-every-year-but-only-5-percent-lose-weight-what-s-the-best-weight-loss-programs

Want Help With Personal Development? Try These Tips

Developing yourself is essential to improving your life in both a mental and emotional level. To reach your own personal development goals, you need to be educated on what can and cannot work for you. Read this article to get started on your personal development journey.

Find people you can relate to.

When you have others around you who think and feel as you do, then you can avoid the negativity that can emerge from those who do not support your endeavors.

Seek out other like-minded individuals. 

This will create a reinforcing environment for meeting your goals and also help you avoid people who will bring you down with constant criticism.

In order to get as much as you can out of your efforts with personal development, you need to take care of your body physically. Make sure you are getting enough sleep, eating a healthy diet, and exercising on a regular schedule so that you have enough energy during the day, and you will find it will be a little easier to reach success. While this may sound like an easy thing to do, it can actually prove quite challenging at times.

Determine the things that you value....

...so that you can better come up with an excellent personal development strategy for your needs. It is not smart to focus on things that do not line up with your values and morals. Focus on positive aspects to improve. These aspects should mesh with your values. Implementing a plan for personal development can improve both your work and home life in the future.

If you want to enhance your approach to personal development, learn to be humble. Realizing that you are but a small part of the bigger picture will potentially open your mind to attaining new insights. Once this idea gets instilled in your mind, you will want to know, understand and learn new things, therefore, improving yourself.

If you want to make progress in the area of personal development, you need to declare lowliness. You will want to learn all you can, once you realize that you have only scratched the surface of all there is to be known. Staying aware of this will broaden your perspective and increase your quest for knowledge, leading to a better you.

Compliment other people. 

Doing the exact opposite and being kind to others will help you be kind to yourself.

If you want to start improving your life....

.....you have to stop engaging in harmful activities. Do you feel like you drink too much alcohol? Do you smoke or do other activities that may be harmful to your health? Your body should be treated with the respect it deserves. Look at how you are living your life, and check if you are participating in any negative habits that should be eliminated.

Go to the movies with a friend. This activity will force you to be around others, but you do not have to talk to them very much, which will minimize your discomfort. You can use the trip as an opportunity to become accustomed to the company of others.

It is hoped that this article was of assistance with ideas on how you can personally develop yourself for the better. You can always find new and innovative ways to improve the person that you are. It doesn't matter how old you are, as long as you’re motivated you can make changes, so do what it takes to turn into a better person while you can.

http://featuringdave.com/want-help-with-personal-development-try-these-tips/

The Reiki Method For Personal Development

These are the 5 Ideals of Reiki.



More powerful than the ideals put forth in these 5 lines is the idea of taking development one day at a time. I think anyone can commit to doing something for just today. This is an excellent practice for remaining present and tackling long-term goals.

For example, let’s say I wish to stop drinking. Instead of saying “I’m not going to drink for the next 30 days”, I would commit to not drinking for today. And tomorrow, I’ll think about if that choice served me the day before. If so, I’ll go for another day without it. Repeat.

What can you choose to do just for today?

http://www.highexistence.com/the-reiki-method-for-personal-development/

How To Get A Promotion

Asking for a promotion can be tricky. Suzanne de Janasz, professor of leadership and organisation development, IMD, explains how to be prepared when approaching the subject.

You don’t get what you don’t ask for. This adage is especially relevant in an environment where individuals and organizations find themselves struggling to keep pace.

Are employees so grateful to have a job that they choose not to seek a promotion? Or perhaps they believe that “my work speaks for itself; I need not ask for what I deserve” or “good things come to those who wait.”

Patience may be a virtue, but witnessing others receiving recognition and promotions while you’re being overlooked is a recipe for resentment, decreased productivity, and possibly departure from the organization.

Marketing oneself is for many unnatural, or worse, a societal taboo. But savvy employees recognize that tough economic times may offer unique opportunities to improve their employment situation by helping their employer reduce costs, increase revenues, or improve competitiveness.

http://openscience.com/wp-content/uploads/2013/04/promotion.jpg

Here are three things to bear in mind when seeking a promotion:

ENSURE YOUR NETWORK IS AWARE OF YOUR KNOWLEDGE AND EXPERTISEPerforming well is a necessary but insufficient prerequisite for promotion. Beyond the annual performance appraisal conversation with your boss, you need to ensure that others within your professional and personal network are aware of your unique knowledge, capabilities, and track record.

For those uncomfortable with the idea of self-promotion, look at it this way: (1) nobody is in a better position to market the brand that is you, and (2) by ensuring others know your capabilities and contributions, you increase your social capital and visibility within the organization.

KNOW WHAT YOU WANT AND WHY
“I want a promotion,” is a weak way to start a conversation with your boss. Prepare by researching positions (within and outside the organization) for which you possess at least 70% of the qualifications and be able to articulate exactly the position you want and why.

Clarify how your accomplishments and capabilities match the position requirements, and demonstrate your worth by pointing out inefficiencies that your ideas have reduced or new clients you’ve brought in. Who could argue with a Dhs50,000 a year higher paid position for someone who has increased revenues by Dhs825,000 last year?

Also, consider your boss’s goals in your preparation. Would your promotion enable him or her to offload tasks that would free up their time for more strategic activities? Could your taking on an expat assignment provide them with a trusted expert in a growing but challenging market? Look for voids that you might fill or problems you might alleviate.

WHAT IF THE BOSS SAYS “NO?”When you know what you want and why, you’re better equipped to consider multiple satisfactory alternatives. Going in with an ultimatum is unwise; such threats can harm the working relationship.

Considering attractive alternatives to your goals gives you more confidence in the negotiation process since you don’t have to accept whatever is – or isn’t – offered. It also gives you the ability to be persistent about your goal without alienating your boss.

By suggesting other possible solutions, you help reframe the conversation into a collaborative problem-solving session. For example, you might negotiate a promotion that is tied to the accomplishment of a specific goal.

Another yes-able alternative would be a phased-in agreement. Or, at the very least, you might agree to revisit the conversation at a specific time, for example, in three months.

In tough economic times, your good performance is more valuable than ever. There may be cheaper employees available, but no one knows the job – or is as committed to seeing the company succeed – as much as you do.

Remind yourself of that, and prepare yourself thoroughly to remind your boss what you deserve and why. You might not get everything you ask for, but you will certainly get none of what you don’t ask for.

http://gulfbusiness.com/2013/06/how-to-get-a-promotion/#.UcWbpvm1GSo

Practical Steps To Personal Development

Practical steps can be taken to enhance personal development, including:

• Organising your time.
• Producing a personal CV or résumé.
• Undertaking a skills appraisal.
• Looking at your transferable skills.
• Overcoming barriers to learning a new skill.

Organising Your Time
If you are considering making changes in your life, finding additional time often poses a problem. It could be that the changes you are thinking of making are to ensure you have extra time to:

• Spend with your family.
• Spend on things you enjoy doing.
• Devote to your work.
• Devote to your education

Whatever the reason, looking at how you spend your time will encourage you to think of ways your time could be managed more effectively.

• Learning to say 'no' to jobs or requests that you feel are not your responsibility.
• Learning to delegate – sharing jobs can be fun and will leave you with more time.
• Making a ’to do’ list of tasks you need to do each day/week, ticking off tasks that you complete.
• Giving up things you do not really want or need to do.
• Identifying your high and low times of the day. Everyone has a time when he/she feels more or less energetic. Try to do the most demanding tasks when you have the greatest energy as you will do them more quickly, thereby releasing more time to spend on other things.

For many people their personal development will involve setting goals; these might be to change behaviour - as in looking at their time management - learning new skills or advancing their career.

Many employers are looking for the same sorts of skills. These include good communication skills, the ability to work as part of a team and the ability to learn – these are often termed ‘Soft Skills’ and are the sorts of skills that SkillsYouNeed writes about. Beyond that the skills required will depend on the particular job.

http://www.skillsyouneed.com/ps/personal-development.html

Ten Top Personal Development Tips

Personal development is a very broad topic and can encompass anything that involves your growth as a person. It means following a course of continual growth and striving to reach your full potential. When you become a little better in some way than you were the day prior, your life and your circumstances will continuously improve. Personal development is typically achieved by first looking within oneself, altering your thinking, and ultimately changing your behavior as a result.

Since each of us is a unique individual our paths will vary. That having been said, below you will find 10 of the most helpful suggestions for improving one's self. Enjoy the journey!

1. Don't Let Anything Stop You
Never quit, never give up. Throughout your journey, there will be ups and downs. It is a given that there will be slow points and setbacks. These things will occur. In those moments of doubt or despair, DO NOT GIVE UP. Know in your heart that no matter how difficult things may become, no matter how low you may feel, ultimately there is nothing that will stop you. Life can throw whatever it wants at you and you will not quit, you will not falter until you win.

Keep in mind that personal development is a lifelong journey. There is no ending. It's all about the experiences and lessons learned.

So since there really is no finish line, make sure you enjoy the ride!

2. Follow Your Passion
Do what makes you happy. This is something that we have very, very backwards. Most of us chase money. While money is certainly not a bad thing, money by itself does not bring joy. Money can buy stuff. Stuff can provide temporary fun. But stuff doesn't bring true joy.

Follow your heart. Do what you love. The amazing thing about this is that when you do something that you're passionate about, you'll be successful at it. You'll put it tons of hard work and many, many extra hours and it will never feel like "work" because you're having fun. And as a result, the money will follow.


3. Challenge Yourself

Your goals should be just out of reach. Always challenge yourself. Growth comes as a result of adversity. If everything were easy, we would never change or grow. Your goals should not be impossible, but they should be challenging. Push yourself beyond what you perceive to be your current limitations. Explore new territory. Try out different things that you've never done before. Do something that you're afraid of.

Greatness comes as a result of having to dig deep and discover something that you didn't realize you already had inside of you.


4. Conquer Yourself

The only true obstacles in life are self-imposed. We will always have unforeseen things occur. Roadblocks will come up from time to time. You'll be right on the verge of accomplishing something only to have the rug yanked out from under you at the last moment. Murphy's Law strikes again.

While we cannot always control what happens to us, the one thing we can control is how we react to it. The only true obstacles we have in life are self-imposed. Our true obstacles lie within. If you can conquer yourself, nothing can stop you. As the saying goes, whether you think you can or you can't--you're right


5. Visualize Your Goals
Picture yourself where you want to be. As author Rhonda Byrne taught us in the best selling book "The Secret", what you intend will come to be.

Discover your true intention and make certain your goals are in alignment. Picture yourself achieving this goal. Close your eyes and imagine how it feels to accomplish this goal. Truly allow yourself to experience the emotions associated with the experience. Feel as though it has already happened.

Go through this visualization process daily until your goal has been achieved. Many successful people believe in the power of visualization and have used it throughout their lives to achieve great things.


6. Personal Responsibility
Avoid the blame game. This may seem counter-intuitive, but accept fault for everything that goes wrong in your life. No, that's not a typo. As hard as this may be to face, the reality is YOU are responsible for where you currently are in life. You have created your circumstances. Your choices and actions have gotten you to where you are today.

There is a great freedom that comes as a result of accepting personal responsibility. As soon as you stop blaming others, you are no longer a victim. You're free to change things in your life for the better. Once you come to the realization that you are where you are as a result of your decisions, this puts you in the driver's seat for the future.


7. Be a Student of Change
Embrace change. 

Our world is constantly evolving and today at a much more rapid pace than in the past. Change is difficult. It's easier to find a comfort zone and stay there. The problem with this, however, is that the world is going to keep moving forward without you.

Things are changing, regardless of how you feel about it. By becoming a student of change, you'll be able to adapt and stay ahead of the curve. Besides, change is good. If it weren't for change, I'd be sitting in a cave right now. So learn to welcome change. In today's fast paced world, it's the only constant.


8. Read, Read, Read
Learn from others. You know the best way to become successful? Do what successful people do. While making mistakes is not something to be avoided (this is how we learn), you can certainly speed up your self development process by reading about the mistakes others have made and learn the lessons therein.

Make it your personal goal to read at least a book per month. I recommend reading anything written by Seth Godin or Robert Kiyosaki. For a list of further recommended reading books to help open your mind, click here:


9. Make It Manageable
Break big tasks down into small steps. Sometimes large goals or projects can seem unattainable. For example, "repair my credit" may seem like a daunting task. Where would you even begin?

Take large items on your to do list and break them down into small, manageable steps. Using the example above, on Monday take out your credit report and highlight all errors that need to be addressed. On Tuesday contact each creditor and ask that the item be fixed/removed. On Wednesday set up automated payments for your bills so that you develop prompt payment history. And the list goes on.

Take it one step at a time and suddenly that giant mountain doesn't seem so imposing.


10. Sense of Urgency - Avoid Procrastination at All Costs!

Start TODAY! There is no such thing as the perfect time. The amazing thing is that 100% of people that begin something NOW all get started. Those that wait until tomorrow? Not so much.

For whatever reason, the longer we wait the less likely we will take action. It's just human nature. As time passes, things tend to lose importance in our minds. Sense of urgency will help you get things accomplished, and get them accomplished in a timely fashion.

If it's important, do it now. While the first step is always the most difficult, every step afterwards becomes progressively easier.

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