All posts by alexanderreinald

Warren Buffet’s Golden Quotes

warren_b

QUOTES

“Rule No.1 is never lose money. Rule No.2 is never forget rule number one.”

“Shares are not mere pieces of paper. They represent part ownership of a business. So, when contemplating an investment, think like a prospective owner.”

“All there is to investing is picking good stocks at good times and staying with them as long as they remain good companies.”

“Look at market fluctuations as your friend rather than your enemy. Profit from folly rather than participate in it.”

“If, when making a stock investment, you’re not considering holding it at least ten years, don’t waste more than ten minutes considering it.”

Price is what you pay. Value is what you get.
It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently.
It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.
Risk comes from not knowing what you’re doing.
Someone’s sitting in the shade today because someone planted a tree a long time ago.
You only have to do a very few things right in your life so long as you don’t do too many things wrong.
It’s better to hang out with people better than you. Pick out associates whose behavior is better than yours and you’ll drift in that direction.
Our favorite holding period is forever.
We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.

 

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Forex Fundamental before You Start Investing !!

 

 

The Skinny on Forex

What is FOREX?

The Foreign Exchange market, also referred to as the “FOREX” or “Forex” or “Retail

forex” or “FX” or “Spot FX” or just “Spot” is the largest financial market in the world, with a volume of over $2 trillion a day. If you compare that to the $25 billion a day

volume that the New York Stock Exchange trades, you can easily see how enormous the Foreign Exchange really is. It actually equates to more than three times the total amount of the stocks and futures markets combined! Forex rocks!

What is traded on the Foreign Exchange?

The simple answer is money. Forex trading is the simultaneous buying of one currency and the selling of another. Currencies are traded through a broker or dealer, and are traded in pairs; for example the Euro dollar and the US dollar (EUR/USD) or the British pound and the Japanese Yen (GBP/JPY).

Because you’re not buying anything physical, this kind of trading can be confusing. Think of buying a currency as buying a share in a particular country. When you buy, say, Japanese Yen, you are in effect buying a share in the Japanese economy, as the price of the currency is a direct reflection of what the market thinks about the current and future health of the Japanese economy.

In general, the exchange rate of a currency versus other currencies is a reflection of the condition of that country’s economy, compared to the other countries’ economies. Unlike other financial markets like the New York Stock Exchange, the Forex spot market has neither a physical location nor a central exchange. The Forex market is considered an Over-the-Counter (OTC) or ‘Interbank’ market, due to the fact that the entire market is run electronically, within a network of banks, continuously over a 24-hour period.

Until the late 1990’s, only the “big guys” could play this game. The initial requirement was that you could trade only if you had about ten to fifty million bucks to start with!

Forex was originally intended to be used by bankers and large institutions – and not by us “little guys”. However, because of the rise of the Internet, online Forex trading firms are now able to offer trading accounts to ‘retail’ traders like us.

All you need to get started is a computer, a high-speed Internet connection, and the information contained within this site.

BabyPips.com was created to introduce novice or beginner traders to all the essential aspects of foreign exchange, in a fun and easy-to-understand manner.

What is a Spot Market?

A spot market is any market that deals in the current price of a financial instrument.

Which Currencies Are Traded?

The most popular currencies along with their symbols are shown below:

Symbol Country Currency Nickname

USD United States Dollar Buck

EUR Euro members Euro Fiber

JPY Japan Yen Yen

GBP Great Britain Pound Cable

CHF Switzerland Franc Swissy

CAD Canada Dollar Loonie

AUD Australia Dollar Aussie

NZD New Zealand Dollar Kiwi

Forex currency symbols are always three letters, where the first two letters identify the name of the country and the third letter identifies the name of that country’s currency.

When Can Currencies Be Traded?

The spot FX market is unique within the world markets. It’s like a Super Wal-Mart where the market is open 24-hours a day. At any time, somewhere around the world a financial center is open for business, and banks and other institutions exchange currencies every hour of the day and night with generally only minor gaps on the weekend.

The foreign exchange markets follow the sun around the world, so you can trade late at night (if you’re a vampire) or in the morning (if you’re an early bird). Keep in mind though, the early bird doesn’t necessarily get the worm in this market – you might get the

worm but a bigger, nastier bird of prey can sneak up and eat you too…

Time Zone New York GMT

Tokyo Open 7:00 pm 0:00

Tokyo Close 4:00 am 9:00

London Open 3:00 am 8:00

London Close 12:00 pm 17:00

New York Open 8:00 am 13:00

New York Close 5:00 pm 22:00

The Forex market (OTC)

The Forex OTC market is by far the biggest and most popular financial market in the

world, traded globally by a large number of individuals and organizations. In the OTC

market, participants determine who they want to trade with depending on trading

conditions, attractiveness of prices and reputation of the trading counterpart.

The chart below shows global foreign exchange activity. The dollar is the most traded

currency, being on one side of 89% of all transactions. The Euro’s share is second at 37%,

while that of the yen is at 20%.

Why Trade Foreign Currencies?

There are many benefits and advantages to trading Forex. Here are just a few reasons

why so many people are choosing this market:

  • No commissions.
  • No clearing fees, no exchange fees, no government fees, no brokerage fees.
  • Brokers are compensated for their services through something called the bid-ask spread.
  • No middlemen. Spot currency trading eliminates the middlemen, and allows you to trade directly with the market responsible for the pricing on a particular currency pair.
  • No fixed lot size.

In the futures markets, lot or contract sizes are determined by the exchanges. A standard-size contract for silver futures is 5000 ounces. In spot Forex, you determine your own lot size. This allows traders to participate with accounts as small as $250 (although we explain later why a $250 account is a bad idea).

• Low transaction costs.

The retail transaction cost (the bid/ask spread) is typically less than 0.1 percent under normal market conditions. At larger dealers, the spread could be as low as .07 percent. Of course this depends on your leverage and all will be explained later.

• A 24-hour market.

There is no waiting for the opening bell – from Sunday evening to Friday afternoon EST, the Forex market never sleeps. This is awesome for those who want to trade on a part-time basis, because you can choose when you want to trade–morning, noon or night.

• No one can corner the market.

The foreign exchange market is so huge and has so many participants that no single entity (not even a central bank) can control the market price for an extended period of time.

• Leverage.

In Forex trading, a small margin deposit can control a much larger total contract value. Leverage gives the trader the ability to make nice profits, and at the same time keep risk capital to a minimum. For example, Forex brokers offer 200 to 1 leverage, which means that a $50 dollar margin deposit would enable a trader to buy or sell $10,000 worth of currencies. Similarly, with $500 dollars, one could trade with $100,000 dollars and so on. But leverage is a double-edged sword. Without proper risk management, this high degree of leverage can lead to large losses as well as gains.

• High Liquidity.

Because the Forex Market is so enormous, it is also extremely liquid. This mean that under normal market conditions, with a click of a mouse you can instantaneously buy and sell at will. You are never “stuck” in a trade. You can even set your online trading platform to automatically close your position at your desired profit level (a limit order), and/or close a trade if a trade is going against you (a stop loss order).

• Free “Demo” Accounts, News, Charts, and Analysis. Most online Forex brokers offer ‘demo’ accounts to practice trading, along with breaking Forex news and charting services. All free! These are very valuable resources for “poor” and SMART traders who would like to hone their trading skills with ‘play’ money before opening a live trading account and risking real money.

• “Mini” and “Micro” Trading:

You would think that getting started as a currency trader would cost a ton of money. The fact is, compared to trading stocks, options or futures, it doesn’t. Online Forex brokers offer “mini” and “micro” trading accounts, some with a minimum account deposit of $300 or less. Now we’re not saying you should open an account with the bare minimum but it does makes Forex much more accessible to the average (poorer) individual who doesn’t have a lot of start-up trading capital.

What Tools Do I Need to Start Trading Forex?

A computer with a high-speed Internet connection and all the information on this site is all that is needed to begin trading currencies.

What Does It Cost to Trade Forex?

An online currency trading (a “micro account”) may be opened for with a couple hundred bucks. Do not laugh – micro accounts and its bigger cousin, the mini account, are both good ways to get your feet wet without drowning. For a micro account, we’d recommend

at least $1,000 to start. For a mini account, we’d recommend at least $10,000 to start.

After all that, do you have the courage to start on your own? As Warren Buffet shared his Investing Rule,

 

“Rule No.1 is never lose money. Rule No.2 is never forget rule number one.”

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13 bad habits you should say good bye in 2016 to be more productive

 

 

 

productive_people

Being more productive is about working smarter, not harder, and making the most of each day.

While this is no easy feat, getting more done in less time is a much more attainable goal if you’re not sabotaging yourself with bad habits.

Here are 13 things you should stop doing right now to become more productive:

Aaron Taube contributed to an earlier version of this article.

1. Impulsive web browsing

Since most of us have access to the internet at work, it’s easy to get side-tracked looking up the answer to a random question that just popped into your head.

That’s why Quora user Suresh Rathinam recommends writing down these thoughts or questions on a notepad. This way, you can look up the information you want later, when you’re not trying to get work done.

2. Multi-tasking

While many people believe they are great at doing two things at once, scientific research has found that just 2% of the population is capable of effectively multi-tasking.

For the rest of us, multi-tasking is a bad habit that decreases our attention spans andmakes us less productive in the long run.

3. Checking email throughout the day

Constant internet access can also lead people to check email throughout the day. Sadly, each time you do this, you lose up to 25 minutes of work time. What’s more, the constant checking of email makes you dumber.

Instead, strategy consultant Ron Friedman suggests quitting Outlook, closing email tabs, and turning off your phone for 30-minute chunks of deep-diving work.

4. Moral licensing

Whether it’s a new diet, workout routine, or work schedule, one of the most difficult things about forming a new habit is the urge to cheat as a reward for sticking to a routine for a while.

This idea that we “deserve” to splurge on fancy meal after being thrifty for a week is called “moral licensing,” and it undermines a lot of people’s plans for self-improvement

Instead, try making your goal part of your identity, such that you think of yourself as the kind of person who saves money or works out regularly, rather than as someone who is working against their own will to do something new.

 

5. Putting off your most important work until later in the day

People often start off their day by completing easy tasks to get themselves rolling and leave their more difficult work for later. This is a bad idea, and one that frequently leads to the important work not getting done at all.

As researchers have found, people have a limited amount of willpower that decreases throughout the day. That being the case, it’s best to get your hardest, most important tasks done at the beginning of the day.

6. Taking too many meetings

Nothing disrupts the flow of productivity like an unnecessary meeting. And with tools like email, instant messenger, and video chat at your fingertips, it’s best to only use meetings for introductions and serious discussions that can only be held in person.

BlueGrace Logistics founder Bobby Harrisrecommends that people don’t accept a meeting unless the person who requested it has put forth a clear agenda and stated exactly how much time they will need. And even then, Harris recommends giving the person half of the time they initially requested.

7. Sitting all day

Business consultant and author of “The New How: Creating Business Solutions Through Collaborative Strategy Paperback” Nilofer Merchant shares with TED audiences how she’s helped numerous major companies develop successful new ideas: walking meetings.

She recommends forgoing coffee or fluorescent-lit conference room meetings in favor of walking and talking 20 to 30 miles a week.

“You’ll be surprised at how fresh air drives fresh thinking, and in the way that you do, you’ll bring into your life an entirely new set of ideas,” she say

8. Hitting the snooze button

It might feel like pressing the snooze button in the morning gives you a little bit of extra rest to start your day, but the truth is that itdoes more harm than good.

That’s because when you first wake up, your endocrine system begins to release alertness hormones to get you ready for the day. By going back to sleep, you’re slowing down this process. Plus, nine minutes doesn’t give your body time to get the restorative, deep sleep it needs.

This isn’t to say you should cut back on sleep. As Arianna Huffington discusses in her TED talk, a good night’s sleep has the power to increase productivity, happiness, smarter decision-making, and unlock bigger ideas. The trick for getting enough sleep is planning ahead and powering down at a reasonable time.

9. Failing to prioritize

Some people think having lots of goals is the best way to ensure success — if one idea fails, at least there are plenty more in reserve to turn to.

Unfortunately, this sort of wavering can be extremely unproductive.

Warren Buffett has the perfect antidote. Seeing that his personal pilot was not accomplishing his life goals, Buffett asked him to make a list of 25 things he wanted to get done before he died. But rather than taking little steps toward completing every one of them, Buffett advised the pilot to pick five things he thought were most important and ignore the rest.

10. Over-planning

Many ambitious and organized people try to maximize their productivity by meticulously planning out every hour of their day. Unfortunately, things don’t always go as planned, and a sick child or unexpected assignment can throw a wrench into their entire day.

Instead, you might want to try planning just four or five hours of real work each day, that way you‘re able to be flexible later on.

11. Under-planning

With that being said, you should take time to strategize before attempting to achieve any long-term goals. Trying to come up with the endgame of a project you’re doing midway through the process can be extremely frustrating and waste a huge amount of time.

Harvard lecturer Dr. Robert Pozenrecommends that you first determine what you want your final outcome to be, then lay out a series of steps for yourself. Once you’re halfway through, you can review your work to make sure you’re on track and adjust accordingly.

12. Keeping your phone next to your bed

The LED screens of our smartphones, tablets, and laptops give off what is called blue light, which studies have shown candamage vision and suppress production of melatonin, a hormone that helps regulate the sleep cycle.

Research also suggests that people with lower melatonin levels are more prone to depression.

13. Perfectionism

More often than laziness the root of procrastination is the fear of noting doing a good job, says British philosopher and author Alain de Botton on his website, The Book of Life.

“We begin to work only when the fear of doing nothing at all exceeds the fear of not doing it very well … And that can take time,”he writes.

The only way to overcome procrastination is to abandon perfectionism and not fuss over details as you move forward. Pretending the task doesn’t matter and that it’s OK to mess up could help you get started faster.

As posted in www.businessinsider.sg

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Why You Should Hire for Emotional Intelligence

 

High EQ

People with high EI are better at reading and responding to customers, for one thing. Here’s how to spot them in a lineup of potential hires.

The notion of Emotional intelligence (EI)–the ability to understand one’s own and other people’s emotions and steer behavior accordingly–has been a widely touted leadership trait in recent years. Adam Ochstein, founder and CEO of Chicago-based HR consultancy and software company Stratex, defines EI as the ability to look at a situation, analyze it and understand its objective and subjective angles. In essence, he says people with high EI are adept at reading people. “I think one of the biggest attributes of someone who has emotional intelligence is someone who can take a critical look at themselves, laugh at themselves and not take themselves too seriously,” he says. “They realize that what I see on the surface might not really be the whole story.”

Here’s why he says you need to hire these kinds of people and how you can spot them.

Employees with high EI are better at wooing your customers.

Regardless of the stellar nature of your product, customer service reps, receptionists and account managers who are good at reading customers and responding appropriately will be better at making them happy. “Clients connect with people, not with a product, and hiring people who have those type of innate skill sets enhances your brand,” he says.

Employees with high EI make great leaders.

These people are excellent listeners who have an ability to empathize with a myriad of personalities. Because they’re aware of other people’s feelings, they understand that their decisions–and how they communicate them–will affect everyone on a team. “People want to follow people who have a personal investment in their success, and people who have a high degree of EQ typically excel in human interaction and getting people to follow them,” he says.

Prospective employees with high EI are easy to spot in an interview.

They raise questions, own their failures without dwelling on them, and are comfortable in their own skin, meaning you can throw tough questions at them. Look for potential hires who are good listeners and think about their responses before answering honestly. They also use adjectives and adverbs generously, an indication they’re thinking more with the left side of their brain. “There’s not only the factual element to something, it’s the component of how does that make me feel and what was my reaction to it,” he says. “They’re very descriptive in their language, not only giving you X, Y and Z but how and why X, Y and Z impacted them, how it made them feel and how it impacted people around them.”

Originally posted on inc.com

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5 Aspects of Emotional Intelligence Required for Effective Leadership

Corporate success

“The ability to control my emotions and actions sets me apart from other men.” — Navy SEAL Creed

 

Emotional intelligence is widely known to be a key component of effective leadership. The ability to be perceptively in tune with yourself and your emotions, as well as having sound situational awareness can be a powerful tool for leading a team. The act of knowing, understanding, and responding to emotions, overcoming stress in the moment, and being aware of how your words and actions affect others, is described as emotional intelligence. Emotional intelligence for leadership can consist of these five attributes: self-awareness, self-management, empathy, relationship management, and effective communication.

As a Navy SEAL veteran, entrepreneur, motivational speaker, and leader of one of the fastest growing digital marketing agencies in the country, I have experienced many emotions and become very aware of how those emotions can have a positive or negative effect on my ability to inspire and lead a team. Many individuals try to shut off their feelings, but as much as we distort, deny, and bury our emotions and memories, we can’t ever eliminate them.

You can learn to be emotionally independent and gain the attributes that allow you to have emotional intelligence by connecting to core emotions, accepting them, and being aware of how they affect your decisions and actions.

Being able to relate behaviors and challenges of emotional intelligence on workplace performance is an immense advantage in building an exceptional team. One of the most common factors that leads to retention issues is communication deficiencies that create disengagement and doubt.

A leader lacking in emotional intelligence is not able to effectively gauge the needs, wants and expectations of those they lead. Leaders who react from their emotions without filtering them can create mistrust amongst their staff and can seriously jeopardize their working relationships. Reacting with erratic emotions can be detrimental to overall culture, attitudes and positive feelings toward the company and the mission. Good leaders must be self-aware and understand how their verbal and non-verbal communication can affect the team.

To help understand the emotional intelligence competencies required for effective leadership, I would recommend determining where you stand on the below elements.

Self-Assessment: This can be defined as having the ability to recognize one’s own emotions, strengths, weaknesses, values and drivers and understanding their impact on others.

Without reflection we cannot truly understand who we are, why we make certain decisions, what we are good at, and where we fall short. In order to reach your maximum potential, you must be confident in who you are, understanding the good with the bad. Those that have a strong understanding of who they are and what they want to work on, can improve themselves on a regular basis.

Self-regulation: Also known as discipline. This involves controlling or redirecting our disruptive emotions and adapting to change circumstances in order to keep the team moving in a positive direction.

Leaders can’t afford to lose their cool. Being calm is contagious, as is panic. When you take on a leadership role you can no longer afford to panic when things get stressful. When you stay calm and positive you can think and communicate more clearly with your team.

Empathy and Compassion: Empathy is the ability to put yourself in someone else’s shoes and understand how they may feel or react to a certain situation. When one has empathy, the capacity to feel compassion is open. The emotion that we feel in response to suffering that motivates a desire to help.

The more we can relate to others, the better we will become at understanding what motivates or upsets them.

Relationship Management: You can’t make deep connections with others if you’re distracted. Many of us have families, other obligations, and a crazy to-do list, but building and maintaining healthy and productive relationships is essential to one’s ability to gain higher emotional intelligence.

You must have the ability to communicate effectively and properly manage relationships in order to move a team of people in a desired direction.

Effective Communication: In the SEAL teams you have to do three things flawlessly to be an effective operator and team member: Move, shoot, and communicate. Communication being of the utmost importance. Studies show that effective communication is 7% the words we say and 93% tone and body language.

Misunderstandings and lack of communication are usually the basis of problems between most people. Failing to communicate effectively in a workplace leads to frustration, bitterness, and confusion among employees. Effective communication can eliminate obstacles and encourage stronger workplace relationships. When employees know their role within a company and understand how they benefit the overall direction and vision, there is a sense of value and accomplishment. Good communication results in alignment and a shared sense of purpose.

Emotional intelligence is a powerful tool critical for exceeding goals, improving critical work relationships, and creating a healthy, productive workplace and organizational culture.

Originally posted on inc.com

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18 Behaviors of Emotionally Intelligent People

High EQ - people

When emotional intelligence (EQ) first appeared to the masses, it served as the missing link in a peculiar finding: people with average IQs outperform those with the highest IQs 70 percent of the time. This anomaly threw a massive wrench into the broadly held assumption that IQ was the sole source of success.

Decades of research now point to emotional intelligence as being the critical factor that sets star performers apart from the rest of the pack. The connection is so strong that 90 percent of top performers have high emotional intelligence.

Emotional intelligence is the “something” in each of us that is a bit intangible. It affects how we manage behavior, navigate social complexities, and make personal decisions to achieve positive results.

Despite the significance of EQ, its intangible nature makes it difficult to measure and to know what to do to improve it if you’re lacking. You can always take a scientifically validated test, such as the one that comes with the Emotional Intelligence 2.0 book, but unfortunately, most such tests aren’t free. So, I’ve analyzed the data from the million-plus people TalentSmart has tested in order to identify the behaviors that are the hallmarks of a high EQ. What follows are sure signs that you have a high EQ.

1. You have a robust emotional vocabulary
All people experience emotions, but it is a select few who can accurately identify them as they occur. Our research shows that only 36 percent of people can do this, which is problematic because unlabeled emotions often go misunderstood, which leads to irrational choices and counterproductive actions.

People with high EQs master their emotions because they understand them, and they use an extensive vocabulary of feelings to do so. While many people might describe themselves as simply feeling “bad,” emotionally intelligent people can pinpoint whether they feel “irritable,” “frustrated,” “downtrodden,” or “anxious.” The more specific your word choice, the better insight you have into exactly how you are feeling, what caused it, and what you should do about it.

2. You’re curious about people
It doesn’t matter if they’re introverted or extroverted, emotionally intelligent people are curious about everyone around them. This curiosity is the product of empathy, one of the most significant gateways to a high EQ. The more you care about other people and what they’re going through, the more curiosity you’re going to have about them.

3. You embrace change
Emotionally intelligent people are flexible and are constantly adapting. They know that fear of change is paralyzing and a major threat to their success and happiness. They look for change that is lurking just around the corner, and they form a plan of action should these changes occur.

4. You know your strengths and weaknesses
Emotionally intelligent people don’t just understand emotions; they know what they’re good at and what they’re terrible at. They also know who pushes their buttons and the environments (both situations and people) that enable them to succeed. Having a high EQ means you know your strengths and how to lean into and use them to your full advantage while keeping your weaknesses from holding you back.

5. You’re a good judge of character
Much of emotional intelligence comes down to social awareness; the ability to read other people, know what they’re about, and understand what they’re going through. Over time, this skill makes you an exceptional judge of character. People are no mystery to you. You know what they’re all about and understand their motivations, even those that lie hidden beneath the surface.

6. You are difficult to offend
If you have a firm grasp of who you are, it’s difficult for someone to say or do something that gets your goat. Emotionally intelligent people are self-confident and open-minded, which creates a pretty thick skin. You may even poke fun at yourself or let other people make jokes about you because you are able to mentally draw the line between humor and degradation.

7. You know how to say no (to yourself and others)
Emotional intelligence means knowing how to exert self-control. You delay gratification and avoid impulsive action. Research conducted at the University of California, San Francisco, shows that the more difficulty that you have saying no, the more likely you are to experience stress, burnout, and even depression. Saying no is a major self-control challenge for many people, but “No” is a powerful word that you should unafraid to wield. When it’s time to say no, emotionally intelligent people avoid phrases such as “I don’t think I can” or “I’m not certain.” Saying no to a new commitment honors your existing commitments and gives you the opportunity to successfully fulfill them.

8. You let go of mistakes
Emotionally intelligent people distance themselves from their mistakes, but do so without forgetting them. By keeping their mistakes at a safe distance, yet still handy enough to refer to, they are able to adapt and adjust for future success. It takes refined self-awareness to walk this tightrope between dwelling and remembering. Dwelling too long on your mistakes makes you anxious and gun shy, while forgetting about them completely makes you bound to repeat them. The key to balance lies in your ability to transform failures into nuggets of improvement. This creates the tendency to get right back up every time you fall down.

9. You give and expect nothing in return
When someone gives you something spontaneously, without expecting anything in return, this leaves a powerful impression. For example, you might have an interesting conversation with someone about a book, and when you see them again a month later, you show up with the book in hand. Emotionally intelligent people build strong relationships because they are constantly thinking about others.

10. You don’t hold grudges
The negative emotions that come with holding onto a grudge are actually a stress response. Just thinking about the event sends your body into fight-or-flight mode, a survival mechanism that forces you to stand up and fight or run for the hills when faced with a threat. When the threat is imminent, this reaction is essential to your survival, but when the threat is ancient history, holding onto that stress wreaks havoc on your body and can have devastating health consequences over time. In fact, researchers at Emory University have shown that holding onto stress contributes to high blood pressure and heart disease. Holding onto a grudge means you’re holding onto stress, and emotionally intelligent people know to avoid this at all costs. Letting go of a grudge not only makes you feel better now but can also improve your health.

11. You neutralize toxic people
Dealing with difficult people is frustrating and exhausting for most. But high-EQ individuals control their interactions with toxic people by keeping their feelings in check. When they need to confront a toxic person, they approach the situation rationally. They identify their own emotions and don’t allow anger or frustration to fuel the chaos. They also consider the difficult person’s standpoint and are able to find solutions and common ground. Even when things completely derail, emotionally intelligent people are able to take the toxic person with a grain of salt to avoid letting him or her bring them down.

12. You don’t seek perfection
Emotionally intelligent people won’t set perfection as their target because they know that it doesn’t exist. Human beings, by our very nature, are fallible. When perfection is your goal, you’re always left with a nagging sense of failure that makes you want to give up or reduce your effort. You end up spending time lamenting what you failed to accomplish and should have done differently instead of moving forward, excited about what you’ve achieved and what you will accomplish in the future.

13. You appreciate what you have
Taking time to contemplate what you’re grateful for isn’t merely the right thing to do; it also improves your mood by reducing the stress hormone cortisol (in some cases by 23 percent). Research conducted at the University of California, Davis, found that people who work daily to cultivate an attitude of gratitude experience improved mood, energy, and physical well-being. It’s likely that lower levels of cortisol play a major role in this.

14. You disconnect
Taking regular time off the grid is a sign of a high EQ because it helps you to keep your stress under control and to live in the moment. When you make yourself available to your work 24/7, you expose yourself to a constant barrage of stressors. Forcing yourself offline and even–gulp!–turning off your phone gives your body and mind a break. Studies have shown that something as simple as an email break can lower stress levels. Technology enables constant communication and the expectation that you should be available 24/7. It is extremely difficult to enjoy a stress-free moment outside of work when an email with the power to bring your thinking (read: stressing) back to work can drop onto your phone at any moment.

15. You limit your caffeine intake
Drinking excessive amounts of caffeine triggers the release of adrenaline, which is the primary source of a fight-or-flight response. The fight-or-flight mechanism sidesteps rational thinking in favor of a faster response to ensure survival. This is great when a bear is chasing you, but not so great when you’re responding to a curt email. When caffeine puts your brain and body into this hyper-aroused state of stress, your emotions overrun your behavior. Caffeine’s long half-life ensures you stay this way as it takes its sweet time working its way out of your body. High-EQ individuals know that caffeine is trouble, and they don’t let it get the better of them.

16. You get enough sleep
It’s difficult to overstate the importance of sleep to increasing your emotional intelligence and managing your stress levels. When you sleep, your brain literally recharges, shuffling through the day’s memories and storing or discarding them (which causes dreams) so that you wake up alert and clearheaded. High-EQ individuals know that their self-control, attention, and memory are all reduced when they don’t get enough–or the right kind–of sleep. So, they make sleep a top priority.

17. You stop negative self-talk in its tracks
The more you ruminate on negative thoughts, the more power you give them. Most of our negative thoughts are just that–thoughts, not facts. When it feels like something always or never happens, this is just your brain’s natural tendency to perceive threats (inflating the frequency or severity of an event). Emotionally intelligent people separate their thoughts from the facts in order to escape the cycle of negativity and move toward a positive, new outlook.

18. You won’t let anyone limit your joy
When your sense of pleasure and satisfaction are derived from the opinions of other people, you are no longer the master of your own happiness. When emotionally intelligent people feel good about something they’ve done, they won’t let anyone’s opinions or snide remarks take that away from them. While it’s impossible to turn off your reactions to what others think, you don’t have to compare yourself to others, and you can always take people’s opinions with a grain of salt. That way, no matter what other people are thinking or doing, your self-worth comes from within.

This article originally posted on Inc.com

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11 Foods to Avoid When Trying to Lose Weight

The foods you eat can have a major effect on your weight.

Some foods, like full-fat yogurt, coconut oil and eggs, help with weight loss (1, 2, 3).

Other foods, especially processed and refined products, can make you gain weight.

Woman With Mouthful of Chips

Here are 11 foods to avoid when you’re trying to lose weight.

1. French Fries and Potato Chips

Whole potatoes are healthy and filling, but french fries and potato chips are not. They are very high in calories, and it’s easy to eat way too many of them.

In observational studies, consuming French fries and potato chips has been linked to weight gain (4, 5).

One study even found that potato chips may contribute to more weight gain per serving than any other food (5).

What’s more, baked, roasted or fried potatoes may contain cancer-causing substances called acrylamides. Therefore, it’s best to eat plain, boiled potatoes (6, 7).

Bottom Line: French fries and potato chips are unhealthy and fattening. On the other hand, whole, boiled potatoes are very healthy and help fill you up.

2. Sugary Drinks

Glasses With Soda and Ice Cubes

Sugar-sweetened beverages, like soda, are one of the unhealthiest foods on the planet.

They are strongly associated with weight gain and can have disastrous health effects when consumed in excess (8, 9, 10, 11).

Even though sugary drinks contain a lot of calories, your brain doesn’t register them like solid food (12).

Liquid sugar calories don’t make you feel full, and you won’t eat less food to compensate. Instead, you end up adding these calories on top of your normal intake.

If you are serious about losing weight, consider giving up sugary drinks completely.

Bottom Line: Sugary drinks can negatively affect your weight and general health. If weight loss is your goal, then giving up soda and similar drinks may have a big impact.

3. White Bread

Bread

White bread is highly refined and often contains a lot of added sugar.

It is high on the glycemic index and can spike your blood sugar levels (13).

One study of 9,267 people found that eating two slices (120 grams) of white bread per day was linked to a 40% greater risk of weight gain and obesity (14).

Fortunately, there are many healthy alternatives to conventional wheat bread. One is Ezekiel bread, which is probably the healthiest bread on the market.

However, keep in mind that all wheat breads do contain gluten. Some other options include oopsie bread, cornbread and almond flour bread.

Bottom Line: White bread is made from very fine flour, and can spike your blood sugar levels and lead to overeating. However, there are many other types of bread you can eat.

4. Candy Bars

Brunette Crying Over a Candy Bar

Candy bars are extremely unhealthy. They pack a lot of added sugar, added oils and refined flour into a small package.

Candy bars are high in calories and low in nutrients. An average-sized candy bar covered in chocolate can contain around 200–300 calories, and extra-large bars may contain even more (15).

Unfortunately, you can find candy bars everywhere. They are even strategically placed in stores in order to tempt consumers into buying them impulsively.

If you are craving a snack, eat a piece of fruit or a handful of nuts instead.

Bottom Line: Candy bars consist of unhealthy ingredients like sugar, refined flour and added oils. They are high in calories, but not very filling.

5. Most Fruit Juices

Orange Juice

Most fruit juices you find at the supermarket have very little in common with whole fruit.

Fruit juices are highly processed and loaded with sugar.

In fact, they can contain just as much sugar and calories as soda, if not more (16).

Also, fruit juice usually has no fiber and doesn’t require chewing.

This means that a glass of orange juice won’t have the same effects on fullness as an orange, making it easy to consume large quantities in a short amount of time (17).

Stay away from fruit juice and eat whole fruit instead.

Bottom Line: Fruit juice is high in calories and added sugar, but usually contains no fiber. It is best to stick to whole fruit.

6. Pastries, Cookies and Cakes

Chocolate Chip Cookies

Pastries, cookies and cakes are packed with unhealthy ingredients like added sugar and refined flour.

They may also contain artificial trans fats, which are very harmful and linked to many diseases (18).

Pastries, cookies and cakes are not very satisfying, and you will likely become hungry very quickly after eating these high-calorie, low-nutrient foods.

If you’re craving something sweet, reach for a piece of dark chocolate instead.

Bottom Line: Pastries, cookies and cakes often contain large amounts of added sugar, refined flour and sometimes trans fat. These foods are high in calories but not very filling.

7. Some Types of Alcohol (Especially Beer)

Glass of Beer

Alcohol provides more calories than carbs and protein, or about 7 calories per gram.

However, the evidence for alcohol and weight gain is not clear (19).

Drinking alcohol in moderation seems to be fine and is actually linked to reduced weight gain. Heavy drinking, on the other hand, is associated with increased weight gain (20, 21).

The type of alcohol also matters. Beer can cause weight gain, but drinking wine in moderation may actually be beneficial (19, 22).

Bottom Line: If you are trying to lose weight, you may want to consider cutting back on alcohol or skipping it altogether. Wine in small amounts seems to be fine.

8. Ice Cream

Ice Cream

Ice cream is incredibly delicious, but very unhealthy. It is high in calories, and most types are loaded with sugar.

A small portion of ice cream is fine every now and then, but the problem is that it’s very easy to consume massive amounts in one sitting.

Consider making your own ice cream, using less sugar and healthier ingredients like full-fat yogurt and fruit.

Also, serve yourself a small portion and put the ice cream away so that you won’t end up eating too much.

Bottom Line: Store-bought ice cream is high in sugar, and homemade ice cream is a better alternative. Remember to be mindful of portions, as it’s very easy to eat too much ice cream.

9. Pizza

Cringing Woman Saying No To Pizza

Pizza is a very popular fast food. However, commercially made pizzas also happen to be very unhealthy.

They’re extremely high in calories and often contain unhealthy ingredients like highly refined flour and processed meat.

If you want to enjoy a slice of pizza, try making one at home using healthier ingredients. Homemade pizza sauce is also healthier, since supermarket varieties can contain lots of sugar.

Another option is to look for a pizza place that makes healthier pizzas.

Bottom Line: Commercial pizzas are often made from highly refined and processed ingredients. A homemade pizza with healthier ingredients is a much better option.

10. High-Calorie Coffee Drinks

Frappuccino

Coffee contains several biologically active substances, most importantly caffeine.

These chemicals can boost your metabolism and increase fat burning, at least in the short term (23, 24).

However, the negative effects of adding unhealthy ingredients like artificial cream and sugar outweigh these positive effects.

High-calorie coffee drinks are actually no better than soda. They’re loaded with empty calories that can equal a whole meal.

If you like coffee, it’s best to stick to plain, black coffee when trying to lose weight. Adding a little cream or milk is fine too. Just avoid adding sugar, high-calorie creamers and other unhealthy ingredients.

Bottom Line: Plain, black coffee can be very healthy and help you burn fat. However, high-calorie coffee drinks that contain artificial ingredients are very unhealthy and fattening.

11. Foods High in Added Sugar

Granola Bars

Added sugar is probably the worst thing in the modern diet. Excess amounts have been linked to some of the most serious diseases in the world today (25, 26, 27).

Foods high in added sugar usually provide tons of empty calories, but are not very filling.

Examples of foods that may contain massive amounts of added sugar include sugary breakfast cereals, granola bars and low-fat, flavored yogurt.

You should be especially careful when selecting “low-fat” or “fat-free” foods, as manufacturers often add lots of sugar to make up for the flavor that’s lost when the fat is removed.

Bottom Line: Added sugar is one of the unhealthiest ingredients in the modern diet. Many products, such as low-fat and fat-free foods, seem healthy but are loaded with sugar.

Take Home Message

The worst foods for weight loss are highly processed junk foods. These foods are typically loaded with added sugar, refined wheat and/or added fats.

If you’re not sure if a food is healthy or unhealthy, read the label. However, watch out for the different names for sugar and misleading health claims.

Also, remember to consider the serving sizes. Some healthy foods, like nuts, dried fruit and cheese, are high in calories, and it can be very easy to eat too much.

Originally posted on http://authoritynutrition.com/

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10 Signs that She is Ready to be Your Life Partner

 

Guys, are you in a relationship and wondering if the girl you’re dating is the one person you want to spend your entire life with? Well, check out these 10 hidden traits and if you check more than 6, it’s time to start looking at BTO projects and bind her to you for life as soon as possible. Before it’s too late, yeah?

She’s easily contented
Even if you can’t give her the best in life, she’ll still stick by you through thick and thin because she doesn’t need material stuff to be happy as long as she has you.

She’s selfless
Marriage, even relationships, are all about give-and-take. If she’s not selfless enough to sacrifice and give in occasionally, you know that the relationship won’t end well. After all, there’s only so much you can give in before you get frustrated and decide that enough is enough, right?

She’s strong emotionally
When it comes to starting a family together, both the guy and the girl will face obstacles that seems insurmountable and stresses over practically everything, because it’s an area in life that’s so new to them. If your girl is strong emotionally, both of you can comfort and support each other in times of crisis.

She’s doesn’t spend much
If she still spends on branded bags and chases after the latest trends, you’re going to have a hard time paying the bills, paying off the loans and providing for her. The lesser she spend, the more the both of you have to pay for the necessities.

She can cook passably
Because, hey, it’s expensive to eat out and sometimes, even if you can cook, it’s awesome to have her cooking a meal for you in your own little world, no? And she doesn’t need to be a world-class cook, because whatever she cook, will taste delicious to you. Guys, agree?

She can take care of you
Of course, we’re not saying let her take care of you while you laze around doing nothing. But if your girlfriend is able to take care of you and support you in times of need when you’re dating, you’ll know she’ll be the perfect mother for your children.

She’s independent
A marriage is between two person, and both of you need to toughen up and support the family together. Now, imagine a marriage where instead of the wife and husband sharing troubles together, the man is doing everything while the woman just relax and leave everything to him, which one would you prefer to be?

She’s competitive
She’s going to do the best she can, and in the process, ignite your competitive spirit to do the best you can as well. This way, the both of you can grow together as a couple.

She’s tolerant
If she’s doing great at tolerating your antics when you’re dating, even when you know you’re particularly irritating or being a MCP, then you know she’ll make a good wife. Because after marriage, the things she has to tolerate about you will only increase.

She has got great people skills
Hey, she has to have great people skills because you don’t want to be stuck between your mother and your wife every single time you come home, right?

As posted in goodyfeed.com

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30 Cool Weekend Activities that will cost you little to nothing

 

Are you bored or restless during the weekend? Boredom often prompts people to spend money on distractions. If you’re feeling broke, you run the risk of spending money by going shopping or by going to the movies.

Don’t worry – there are plenty of free and cheap things to do on the weekend with your family and friends. None of them involve spending crazy amounts of money.

30 Free and Fun Weekend Activities

#1: Check out neighborhood or church festivals.

#2: Take your kids to the park. Bring a picnic.

#3: Host a potluck barbeque. Ask everyone to bring a side dish, a drink, or a package of meat or veggies for the grill.

#4: Invite friends over for card games.

#5: Experiment with new recipes or invent one of your own.

#6: Run through the sprinklers.

#7: Dance in your living room – it’s a free workout!

#8: Practice a musical instrument, or jam in the garage with your friends.

#9: Visit your neighborhood garage sales.

#10: Grab the camera, take landscape pictures of your neighborhood, and edit the photos on your computer.

#11: Write a love letter to your spouse! Surprise him or her.

#12: Drive through the countryside to get a breath of fresh, unpolluted air.

#13: Visit a free museum or art gallery with your kids.

#14: Make a collage out of photos in old magazines.

#15: Browse About.com’s pages to learn a new skill – like how to repair cars, how to design websites, or how to sew

#16: Climb trees — just like the old days

#17: Ride your bicycle along local bike trails.

#18: Flip through albums of old family pictures.

#19: Go to a library (or browse the Kindle or Amazon Prime Lending Library) to check out interesting books.

#20: Cut up old clothes and turn scraps into costumes or crafts.

#21: Pamper yourself with an at-home pedicure, facial and deep-conditioning.

#22: Start a stamp collection.

#23: Learn about fascinating topics, like Roman history or world religionsν.

#24: Shoot pool (billiards) at a friend’s home.

#25: Go to a Little League baseball game with the neighborhood kids.

#26: Try out new hairdos.

#27: Organize and tag your Facebook photos.

#28: Play Monopoly or other board games with your family.

#29: Go for a jog.

#30: Volunteer at a local animal shelter, homeless shelter or other charitable organization.

do you have more fun activities? Please comment below 🙂

Originally posted on budgeting.about.com.

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Visionary people will buy insurance!

jack_maMa is no doubt that a person has a great vision, he chose to have insurance coverage of up to 40 million.

Ma’s remarks, sharply reflects the significance of insurance, “Do not let your hard-earned money become medical expenses.”

“Buying insurance can’t change your life; instead it prevents your lifestyle from being changed. After toiling for decades, an illness can wipe out an entire family’s savings by the medical bills incurred. In times of tragedy, when faced with the possible loss of life, one is once again reminded of the purpose of the existence of insurance sales people.”

Here is his original message as posted in http://mp.weixin.qq.com/

云的一席话,一针见血反映了保险的意义,千万不要让自己赚的钱最后全成了医疗费。

他说:生了病的人想买保险,不是他认可保险了,是花自己的钱心疼了。所以,没有切肤之痛,不知道买保险的好处。总觉得买保险没有用。你没买保险没出事,那是万幸;没买保险出了事,就是悲剧;买了保险没出事,那是幸福;买了保险出了事,就是庆幸。保险能做到:不出事锦上添花,出了事能雪中送炭。

买保险不能改变生活,而是防止生活被改变!辛辛苦苦几十年,一病回到解放前,全家的几年积蓄都给医院攒的!面对灾难,面对逝去的生命,风险再次提醒保险销售人员存在的价值!

“很多人一生输就输在对新生事物的看法上:

第一,看不见;第二,看不起;第三,看不懂;第四,来不及。”

马云说:保险是后路,在春风得意时布好局,才能四面楚歌时有条路。有钱时,钱不值钱。没钱时,人不值钱。要想让人永远值钱,就必须用您现在有能力的时候,把赚到的钱拿出一部分来规划好不确定的将来。

您放在银行的钱和放在保险公司的钱都是您的钱,不同的是:银行肥在现在,瘦在未来;保险规划將赢在未来!让现在有钱的您,变成未来值钱的您,保险恰能做到这一点。提早规划,提早安心。做一个没有后顾之忧的人,才能在事业上真正做到大展拳脚。

(感言)有时候真的想说:你的全民医保,难道比央视第一主播罗京的保障还高?罗京因为高额的医疗费,放弃了让儿子美国留学的打算;

有时候也想说: 你经济条件是好,但你比影星付彪更有钱?付彪走的时候,却给老婆孩子留下的巨额的债务; 亏得一些生前好友帮助才度过难关,试问谁想家人孩子成为别人的负担!

有时候还想说: 你们家豪车,豪宅都是按揭买的,欠下银行几十万甚至上百万,你真的没有压力吗?洛桑的父母,为什么从北京豪华的别墅搬回了农村老家?是因为他们失去了会挣钱的儿子。

你的企业搞这么大,经营的这么好,这都是您的能力和价值的体显,如果您要出现任何风险了,想过企业怎么办?还会经营的这么好吗?您的家人能经营的像你这样赚钱吗?所以钱是您赚的,再没赚到钱之前先得把您自己的生命价值上个保险,这样有没有风险您的人生都不会输在意外、等任何风险上;

朋友们,我知道你们都把未来憧憬的很好,但人生有两件事情不能预测的,一个是意外的突然到来,一个是大病的不幸发生。另外,人从生下来那一刻,就在一步步走向死亡,不外乎就是两个偶然和一个必然,偶然就是意外和疾病,必然就是会老去。

还有,很多人买保险就问,现在交多少钱,到老领多少钱,试问一下,60岁以前的事情你都没有准备好,医疗你都没有准备好,还谈什么养老?难道你真的认为,温饱比高额的医疗费还难解决吗?唉!

有时候真的想说:朋友们!你,有点儿家庭责任感可以吗?没有人因为买保险而倾家荡产,但有没买保险因为高额医疗费倾家荡产的人,的确有很多。

小编有话说:保险你可以不买,但你一定不要拒绝了解保险,朋友,你真的了解保险在人的一生起到一个什么作用吗?

你不理财,财不理你!上(www.shuchanghai.com)理财网,了解最新理财资讯,守住你的血汗钱,保过去!留未来!

 

 

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