HAPPY NEW YEAR 2010 !!!

Dear All

 

Wishing you a wonderful new month and a happy new year in advance.    

Don't  too hard but work smart.  May your boss appreciate you and say  .  

Take care of yourself.    Pamper yourself and buy some beautiful .  

Don't worry coz      will come from above.   May you also purchase  or change a   and a .      

May the days ahead be busy but easy ,       and  go around the world.   It's important to have good health,  therefore, eat more   and , but not too much  .
Do remember to  at least once a week.    Don't  with your sweetheart, and be generous to say .    

Here's wishing you and all  your   a Happy and Prosperous New Year 2010 and may you all be well and happy ALWAYS!

From : James Oh

SOME USEFUL TIPS TO LOWER YOUR PHONE BILL

Happy day to everyone,

I hope you are in high spirits as you read this article and hope it fulfill your needs.

Hand phone is widely regard as a convenient communication tool for most of us, if not all of us. It is easily subject to misuse especially when calling someone you like to chat for long hours. As such, its bill may drive some of us crazy, if left unchecked. I hope this article will help shed some light on how to lower your phone bill. At the same time,  you will be made aware of other cheaper means of communication options that are available.

1. One of the encouraging ways  to lower your phone bill is  to use the internet to communicate instead of using phone. If both caller and receiver have access to the internet, then use the internet to communicate. You may make use of Skype, Msn messenger and Yahoo messenger. Using VOIP (voice over internet protocol) options to make online calls will  save your money.

2. Nowadays, most offices and services providers have toll-free numbers. Using toll-free numbers is another good tip to lower your phone bills. Make it a habit to call toll-free numbers.

3. Prepaid plans are  good alternatives as you have full control on your phone usage especially for those who have a tendency to overuse phone services. Once your minutes are up, you need to wait till the end of the month to top-up. By doing so, you have a fixed limit of monthly phone bill.

4. Another way is not only to set a maximum number of phone calls per day for yourself, but also the maximum duration of each call. List down what you want to say in advance and speak straight to the point. Make it a habit so as to be more effective and efficient. To lower your bill further, make use of non peak hours such as late evening to make such calls if possible.

5. Do the same for short message sending (sms). Alternatively,use email if you do not have to respond to a call or text message immediately. By doing so, you are rest assured to lower your phone bills.

6. Do not subscribe to unnecessary entertainment packages which you can transfer to your own MP3 and video files from internet. Hence you can save for not using the phone’s entertainment package.

7. Scrutinise your monthly bill and phone the customer service if you think there is a discrepancy in your phone bill. There have been numerous occasions where phone companies made mistakes in their bills. Take this extra effort to check your phone bills carefully.

8. Sign up for auto-payment of your post-paid phone bills so as to avoid unnecessary charges.

9. You may use fixed line to make free local calls, if available, especially those who are internet subscribers instead of using hand phone. This not only helps you to lower your phone bill, but also reduce your exposure to the radioactive effect of hand phones.

10. Subscribe to service provider packages such as family pack with free calls amongst family members. Check with service providers before you sign up for the most suitable pack for your loved ones.

Now, I want to throw the ball to your court because I believe you may know other cheaper means, which I am not aware of.  Appreciate if you could put forward via comments for the benefits of all the readers. Thank you for your kind participation.

I am look forward to hearing from you,

James Oh

DEBT MANAGEMENT IN TIME OF CRISIS

Hi ! everyone,

Time is getting tough and the tough gets going. With the economic crunch taking its toll everywhere and in every industry, masses are facing lots of pressure to stay financially afloat. For those who have outstanding debts and have not paid for the last two years, one way that can help you is debt management.

Debt management in plain words is a tool designed to assist borrowers to manage their debts.  It helps to contain debt so that it does not blow out of proportion. You may engage the professionals to do it for you or alternatively do it yourself. The former will cost you, but not the latter.

Some tips listed below may help you do debt management on your own. So, review your situation and employ one or all techniques that you feel you can do.


1. Set aside a certain percentage of your income
The borrowers will often set aside a portion of their single or combined income for debts payments. It is actually a good idea to prioritise payment of debts and set  aside  a certain portion  of your monthly income for debts. This will help you bring down your expenses. You will then have to pay for the debt once you get your salary. In this manner, you will not be tempted to spend this money away.

2. Settle debts that bears higher interest

By doing so, you will help reduce the interest. Debts that have higher interest rates will mean that you will be paying a higher monthly interest for them compared to the lower interest ones. This way you will settle your debt much faster as a result of lower interest payment.

3. Reschedule your debts

Talk to your lenders to reschedule your payment to match with your income. This will prevent you from incurring the overdue interest or penalty interests or both if applicable.


4. Get rid of the Credit card
It is convenient and able to save lives in emergencies. But it can be evil if it is in the hands of people who do not know how to handle their money well.
Leave it at home or cancel it before you incur more debts than you can ever pay for.

5. Pay more and often if there is an opportunity
If you have excess money, pay more and often. That way, you will incur less interest charges. As a result you will be able to fully settle your debts faster.


I hope the above quick fix solution is useful to you.

Wish you success in your debt management.

James Oh

CHINESE PROVERB ABOUT MONEY

Hi! everyone,

I am so glad to seeing you all again and I believe that you not only enjoy reading the articles, but are also receiving its values and benefits.

WITH MONEY  YOU CAN BUY A HOUSE, BUT NOT A HOME.
WITH MONEY  YOU CAN BUY A CLOCK, BUT NOT TIME.
WITH MONEY  YOU CAN BUY A BED, BUT NOT SLEEP.
WITH MONEY  YOU CAN BUY A BOOK, BUT NOT KNOWLEDGE.
WITH MONEY  YOU CAN SEE A DOCTOR, BUT NOT GOOD HEALTH.
WITH MONEY  YOU CAN BUY A POSITION, BUT NOT RESPECT.
WITH MONEY  YOU CAN BUY BLOOD, BUT NOT LIFE.
WITH MONEY  YOU CAN BUY SEX, BUT NOT LOVE.

Give them a serious thought and share with us your view.

Thanks for your time and look forward to hearing from you,

James Oh

REAL CASE OF TURNING THE LOSS INTO WEALTH

Hi! everyone,

Some of you may know or heard of the great author, Ms Lilou Mace, of the above book. I find it very inspiring and am very excited to share it with you. This book is good for light reading;  very lively, inspiring and you don't want to put it down until you finish it. It tells you how the author turn a deeply sad event, most people will not be able to take it, into a blessing for her. She discovered this is not an end, but it is just a turn. I write a brief summary for you to have a foretaste of the book.



I LOST MY JOB AND I LIKED IT

30-Day Law-of-Attraction Diary of a Dream Job Seeker. Oprah-inspired 1.9-million-viewers to view  YouTube phenomenon.  Lilou Mace uses Law of Attraction to write and publish book on finding a dream job within weeks of being sacked, launching a dream career in the process.  French-American Londoner Lilou Mace has made the recession work for her, turning the loss of her job into a promising career as a writer-publisher in under two months. Started on 16 February 2009, the day she lost her job as an Internet Marketing Director, I LOST MY JOB AND I LIKED IT, 30-Day Law-of-Attraction Diary of a Dream Job Seeker tracks her every thought and action as she uses all her skills and knowledge to establish her dream career.

Job loss an opportunity

Lilou comments: “When I was fired from the job that I had left Chicago for, I realised that the moment had come to put everything I had learnt to the test. I had used the Law of Attraction to meet Oprah Winfrey, and she had inspired me to launch a TV show in Chicago. I had co-founded the international ‘Co-Creating
Our Reality’ Internet community. I had built a following of thousands on You Tube. Until I was fired, however, I had not had the courage to risk everything and put my belief in the Law of Attraction and all my skills and knowledge (visualisation, meditation, reiki, healthy eating…) to the test. It was time to prove that
these things work!

“I was guided to self-publish in order to help those suffering in this economic crisis as soon as possible, and the contacts and technology to enable me to do this appeared as if by magic. The publicity will work that way too, because that is the Law of Attraction. London Mayor Boris Johnson has already been caught
on video making off with a copy of my book!”

To the best of Lilou’s knowledge this is the first time anyone has illustrated the workings of the Law of Attraction by publishing such a day-by-day, step-by-step journal. Lilou has started work on another book and is confident that her career/mission to empower millions is well underway.

For further information or arrange interviews:

Call Lilou Mace on 0759 551 4545 or email lilou.mace@gmail.com
Full book information and author photographs: www.IlostMyJob-book.com,
www.LilouMace.com and www.Youtube.com/liloumace

Lilou Mace Biography
31-year-old, born in 1977 in Santa Barbara, California, of French parents (restaurateurs). Largely grew up in Nantes, France, although lived in Scottsdale, Arizona, from the age of six to eight. Her habit of keeping
a diary helped her cope with the trauma of leaving her childhood friends when she moved back to France, and with the divorce of her parents when she was 12. This journaling habit ultimately led to her YouTube blogging and to I LOST MY JOB AND I LIKED IT.

In the late 1990s Lilou did a degree in European Business Studies, studying both in France and at Oxford Brookes University, England.

She moved to the USA in 2000. Living in Florida, she founded “Co-Creating Our Reality” with Sandy Grason and Laura Duksta, an Internet-based community designed to help people support each other as they implement the Law of Attraction in “100-Day Reality Challenge” periods. The community has thousands of members in 125 countries.

Moving to Chicago, Lilou used the Law of Attraction to meet Oprah Winfrey. Inspired by her she started her own TV show, originally called My Juicy Life and then Live a Juicy Life, on which she interviewed the authors of motivational and self-help books, a practice she continued on YouTube.

Lilou’s video interviews and blogs, charting her progress as she lives according to the Law of Attraction, have acquired a massive YouTube following, with nearly two million views to date.

All the above activities were done in parallel with a career as a self-employed Internet marketer. In mid- 2008 Lilou decided to move back to Europe and acquired a job in London as an Internet Marketing Director for a global hospitality company. Being made redundant, on 16 February 2009, was possibly the best thing that ever happened to her!

Websites:
http://www.LilouMace.com
http://www.youtube.com/liloumace (>4,000 subscribers, 1.9 million views)
http://www.IlostMyJob-book.com
http://www.cocreatingourreality.com/
http://www.twitter.com/liloumace
http://www.facebook.com/pages/Lilou-Mace/43261433223

Supportive quotes
“Lilou is a true pioneer. Her passionate diary is an authentic testimony to the extraordinary power that we have to go beyond our limiting beliefs.” Lewis Gordon Pugh, Environmental Campaigner and Swimmer

“Lilou gives new meaning to the word ‘vibrant’. Here she demonstrates the power of our minds in a magnificent 30-day blast of fresh air.” Jerome Touze, Co-CEO WAYN

So , please get a copy and you will be assured of enjoy reading it.


Thanks for your time and have a fruitful day,


James Oh

SIX KEY WAYS TO BUILD WEALTH

Hi ! Everyone,

To build wealth, you need to know where to begin  and how to work towards your ultimate goals. As inflationary pressure increases  yearly, you need constant and lasting efforts to review your strategies to sustain it. However, if you opt to grow your wealth speedily, you have to take pro-active strategic plans to explore all possibilities to obtain the highest yields from your investments. You also need to make use of all your resources to generate highest wealth possible. In reality, you not only need to think fast, but also to act fast, to reap the highest returns as the market is getting more and more transparent.

In this article, I have laid down some of the tips which you may find useful as a guide in creating your wealth. 

1 Constantly review and evaluate your resources

To build wealth, you must constantly review and evaluate all resources you already have. Make full use of existing resources to enhance your wealth, but at the same time,  enlarge your resources  to create new wealth and expand existing wealth. The double effect growth will accelerate growth much faster than the inflation rate and it will enhance your real wealth. If the rate you generated is equal to the rate of inflation, then, the absolute increase in your wealth is not a true increase in wealth. It is just a trade off against  losses due to increase of inflation rate. 

Resources here does not necessarily represent just financial means, but may refer to your talents, skills, experiences, ideas, and network. You may turn all these non financial means into monetary terms. You can not afford to underestimate all these non financial resources especially in today's Information and knowledge world. For you to reap maximum return, you need to constantly explore all  possibilities to ensure that all these resources give you the highest yields possible. You must also be aware that the higher the yield, the higher the risk.

2 Strategic Plan

After you have an indepth knowledge of your position, you have to work out your best strategies that suit the current market conditions in order to move to the next higher wealth level. You need this plan to navigate yourself towards your ultimate objectives. Without such a plan, you will navigate a ship without direction. However, no matter how good the plan is, it will not guarantee  success. To achieve  success, you need to constantly monitor performance of each resource and make  necessary adjustments due to changes in external factors.  To be effective, such adjustments or alternations need to be taken as soon as possible.

3. Priority lead to Prosperity

You must set creating wealth your priority.  You need to presevere and be persistent in working towards the ultimate objective, no matter what happened to you. For example,  if you need to have  fixed monthly savings, then you must issue your first cheque towards that fund no matter what happened to you. You have to try all possible means to obtain such fixed amount. If not, you have to recoup double the amount the following month and you have to increase the duration  of time to be on track with your original plan.

4.  Persistence and consistence

To ensure its sustainability, you need to work towards your ultimate goals persistently and consistently. As such, you need to stay focus on your goal at all times so that you are not side track by other matters that may cause you stumble. To do so, you need a convinced and convicted heart to carry out your commitment persistently and consistently in accordance to your belief.

5. Have faith in it

Building wealth is just like the ordinary and prudent builder. To have a strong and unshakeable house, you need to build it on strong foundation. Similarly, for wealth builder you need to have a strong faith which will serve as the foundation for you to build your wealth on it. Once you have faith in it, you will stay focus on your goals and concentrate all your energies and efforts in building it. Of course, you may face some barriers, but these barriers are placed to strengthen your faith. Through all the trials and adversities, you will sharpen your skills and use this adversity to lead you to the way of success. It is operating exactly like the ship captain, who need to confront the waves and storms to become skillful. You must be able to see clearly how faith works and directs you to look at thing from the right perspective at all times. In reality, it is always much easier said than done.

6. Stay in control

To build wealth steadily, you must be able to stay in control of yourself. Otherwise, you will be easily tempted by greed or be entrapped by your rivals. Stay in control here mean you must not let your emotions  control you directly or indirectly. You need to know precisely what action to take and its implication to your ultimate objectives. In other words, you need to know what risks you are taking and how much you can afford to lose and how you can cover such losses so that it will not seriously affect your ultimate goal. If not, do not be surprised that you may  follow the foot steps of those billionaires who have committed suicide in the recent global financial crisis. Always bear in mind the wealthier you are, more people will prey on you.

Thanks for your precious time and hope that the above tips are useful to you. Wish you a success,


James Oh

PRIORITY LEAD TO PROSPERITY

Hi! everyone,

One of the keys to success is being meticulous. You need to pay close attention to  details so as to master a particular trade. This profound principle also applies to wealth creation process.

Saving is the main core step in wealth creation. It was highlighted well by Ben Franklin "Beware of little expenses; a small leak will sink a great ship." We can't deny that it forms the fundamental pillar in sustaining wealth. As such, no matter how small you begin, it will eventually turn into your financial reserve, which will then be used as a bridge to the next higher level of wealth. This reserve is required to cushion you throughout the waiting period for your harvest. Here, I am not disputing that you may get instant windfall on your investment venture, but the probability is remote.

At the same time, it is not wise for you to live in another extreme scenario whereby you keep on cutting expenses until you do not live life at all. Therefore, you need draw a line where to put a stop.

Alternatively, you may make some alteration to your spending pattern in a such way that can bring more benefits for the extra you spent. For instance, you may reward yourself with a gift/ have a celebration for your new achievement. This is important because it will drive you further to achieve a next higher target in the long run. By doing so, you will also have a more meaningful life. In reality, this sort of benefits may be difficult to quantify with accuracy especially if you want to take into account those intangible benefits that associate with the extra you have spent.  Here, you have to use your gut feeling or experience to gauge this value. No doubts, it is very subjective and arbitrary. But, we have to take it into consideration so as to give us a fair value of it.

However, it may be even more complicated especially if we wanted to book in the value of its indirect benefits such as good feeling which may indirectly enhance your productivity due to the good effect derived from the extra money that you have spent.

Your judgment will only improve through trials and testings. Individual's wealth management skills are also not exempted from this process. Similarly, saving is a skill where you have to practise until it become part of you, i.e. ingrained as a habit. You will then be able to be in control of yourself and not spend lavishly, without affecting your main financial goals. Despite the fact that you allow some deviation against saving, you are in overall control of keeping  your financial goals intact. This is because  you have  mastered the skill that allows you to control your spending pattern so as not to affect your overall financial structure. No one can challenge you in this aspect because you are the only one who knows your financial destination. This operate exactly like the ship captain who maneuvers his ship when he faces with unexpected storms or other challenges that come along his voyage.

Some use budgeting tools to navigate their spending pattern to keep their finance on track towards their financial destination. I am not against this idea. However, I want to warn you that more than often we will not achieve our  budget no matter how well you prepared it. In reality, there are so many unknown factors which are not possible to predict with accuracy. A good examples is the fluctuation of the foreign exchange rate. Therefore, your experience and skill will come into play in these areas to assist you to make those necessarily adjustment that will not have any adverse impact on your financial destination.

It is clear by now that priorities lead to prosperity. Your financial prosperity will be your most highest priority and you will prepare to do anything to ensure that this priority will stay intact no matter what happens to you.  By focusing on that particular financial prosperity, coupled with other values such as persistence and power of concentration, I  see no reason why you cannot achieve it.

Once you have achieved your financial destination, the more challenging issue is how to sustain it. You must be aware that it is much more easier to achieve your financial destination than sustaining it. To sustain it, you need to stay in control at all times. Bear in mind that the more wealthier you are, the higher risks you are exposed because more swindlers will prey on you than others. You also need to be guarded against your own temptations which more than often make you stumble. What bring you up may bring you down as well. That is the law of nature that has been operating throughout the human history.

James Oh