Thursday, April 30, 2015

I am 28 now. I don’t think about the past or regret things much these days.
But sometimes I wish that I had known some of things I have learned over the last few years a bit earlier. That perhaps there had been a self-improvement class in school. And in some ways there probably was.
Because some of these 16 things in this article a teacher probably spoke about in class. But I forgot about them or didn’t pay attention.
Some of it would probably not have stuck in my mind anyway. Or just been too far outside my reality at the time for me to accept and use.
But I still think that taking a few hours from all those German language classes and use them for some personal development classes would have been a good idea. Perhaps for just an hour a week in high school. It would probably be useful for many students and on a larger scale quite helpful for society in general.
So here are 16 things I wish they had taught me in school (or I just would like to have known about earlier).
1. The 80/20 rule.
This is one of the best ways to make better use of your time. The 80/20 rule – also known as The Pareto Principle – basically says that 80 percent of the value you will receive will come from 20 percent of your activities.
So a lot of what you do is probably not as useful or even necessary to do as you may think.
You can just drop – or vastly decrease the time you spend on – a whole bunch of things.
And if you do that you will have more time and energy to spend on those things that really brings your value, happiness, fulfilment and so on.
2. Parkinson’s Law.
You can do things quicker than you think. This law says that a task will expand in time and seeming complexity depending on the time you set aside for it. For instance, if you say to yourself that you’ll come up with a solution within a week then the problem will seem to grow more difficult and you’ll spend more and more time trying to come up with a solution.
So focus your time on finding solutions. Then just give yourself an hour (instead of the whole day) or the day (instead of the whole week) to solve the problem. This will force your mind to focus on solutions and action.
The result may not be exactly as perfect as if you had spent a week on the task, but as mentioned in the previous point, 80 percent of the value will come from 20 percent of the activities anyway. Or you may wind up with a better result because you haven’t overcomplicated or overpolished things. This will help you to get things done faster, to improve your ability to focus and give you more free time where you can totally focus on what’s in front of you instead of having some looming task creating stress in the back of your mind.
3. Batching.
Boring or routine tasks can create a lot of procrastination and low-level anxiety. One good way to get these things done quickly is to batch them. This means that you do them all in row. You will be able to do them quicker because there is less start-up time compared to if you spread them out. And when you are batching you become fully engaged in the tasks and more focused.
A batch of things to do in an hour today may look like this: Clean your desk / answer today’s emails / do the dishes / make three calls / write a grocery shopping list for tomorrow.
4. First, give value. Then, get value. Not the other way around.
This is a bit of a counter-intuitive thing. There is often an idea that someone should give us something or do something for us before we give back. The problem is just that a lot of people think that way. And so far less than possible is given either way.
If you want to increase the value you receive (money, love, kindness, opportunities etc.) you have to increase the value you give. Because over time you pretty much get what you give. It would perhaps be nice to get something for nothing. But that seldom happens.
5. Be proactive. Not reactive.
This one ties into the last point. If everyone is reactive then very little will get done. You could sit and wait and hope for someone else to do something. And that happens pretty often, but it can take a lot of time before it happens.
A more useful and beneficial way is to be proactive, to simply be the one to take the first practical action and get the ball rolling. This not only saves you a lot of waiting, but is also more pleasurable since you feel like you have the power over your life. Instead of feeling like you are run by a bunch of random outside forces.
6. Mistakes and failures are good.
When you are young you just try things and fail until you learn. As you grow a bit older, you learn from – for example – school to not make mistakes. And you try less and less things.
This may cause you to stop being proactive and to fall into a habit of being reactive, of waiting for someone else to do something. I mean, what if you actually tried something and failed? Perhaps people would laugh at you?
Perhaps they would. But when you experience that you soon realize that it is seldom the end of the world. And a lot of the time people don’t care that much. They have their own challenges and lives to worry about.
And success in life often comes from not giving up despite mistakes and failure. It comes from being persistent.
When you first learn to ride your bike you may fall over and over. Bruise a knee and cry a bit. But you get up, brush yourself off and get on the saddle again. And eventually you learn how to ride a bike. If you can just reconnect to your 5 year old self and do things that way – instead of giving up after a try/failure or two as grown-ups often do -you would probably experience a lot more interesting things, learn valuable lessons and have quite a bit more success.
7. Don’t beat yourself up.
Why do people give up after just few mistakes or failures? Well, I think one big reason is because they beat themselves up way too much. But it’s a kinda pointless habit. It only creates additional and unnecessary pain inside you and wastes your precious time. It’s best to try to drop this habit as much as you can.
8. Assume rapport.
Meeting new people is fun. But it can also induce nervousness. We all want to make a good first impression and not get stuck in an awkward conversation.
The best way to do this that I have found so far is to assume rapport. This means that you simply pretend that you are meeting one of your best friends. Then you start the interaction in that frame of mind instead of the nervous one.
This works surprisingly well. You can read more about it in How to Have Less Awkward Conversations: Assuming Rapport.
9. Use your reticular activation system to your advantage.
I learned about the organs and the inner workings of the body in class but nobody told me about the reticular activation system. And that’s a shame, because this is one of the most powerful things you can learn about. What this focus system, this R.A.S, in your mind does is to allow you to see in your surroundings what you focus your thoughts on. It pretty much always helps you to find what you are looking for.
So you really need to focus on what you want, not on what you don’t want. And keep that focus steady.
Setting goals and reviewing them frequently is one way to keep your focus on what’s important and to help you take action that will move your closer to toward where you want to go. Another way is just to use external reminderssuch as pieces of paper where you can, for instance, write down a few things from this post like “Give value” or “Assume rapport”. And then you can put those pieces of paper on your fridge, bathroom mirror etc.
10. Your attitude changes your reality.
We have all heard that you should keep a positive attitude or perhaps that “you need to change your attitude!”. That is a nice piece of advice I suppose, but without any more reasons to do it is very easy to just brush such suggestions off and continue using your old attitude.
But the thing that I’ve discovered the last few years is that if you change your attitude, you actually change your reality. When you for instance use a positive attitude instead of a negative one you start to see things and viewpoints that were invisible to you before. You may think to yourself “why haven’t I thought about things this way before?”.
When you change your attitude you change what you focus on. And all things in your world can now be seen in a different light.
This is of course very similar to the previous tip but I wanted to give this one some space. Because changing your attitude can create an insane change in your world. It might not look like it if you just think about it though. Pessimism might seem like realism. But that is mostly because your R.A.S is tuned into seeing all the negative things you want to see. And that makes you “right” a lot of the time. And perhaps that is what you want. On the other hand, there are more fun things than being right all the time.
If you try changing your attitude for real – instead of analysing such a concept in your mind – you’ll be surprised.
You may want to read more about this topic in Take the Positivity Challenge!
11. Gratitude is a simple way to make yourself feel happy.
Sure, I was probably told that I should be grateful. Perhaps because it was the right thing to do or just something I should do. But if someone had said that feeling grateful about things for minute or two is a great way to turn a negative mood into a happy one I would probably have practised gratitude more. It is also a good tool for keeping your attitude up and focusing on the right things. And to make other people happy. Which tends to make you even happier, since emotions are contagious.
12. Don’t compare yourself to others.
The ego wants to compare. It wants to find reasons for you to feel good about yourself (“I’ve got a new bike!”). But by doing that it also becomes very hard to not compare yourself to others who have more than you (“Oh no, Bill has bought an even nicer bike!”). And so you don’t feel so good about yourself once again. If you compare yourself to others you let the world around control how you feel about yourself. It always becomes a rollercoaster of emotions.
A more useful way is to compare yourself to yourself. To look at how far you have come, what you have accomplished and how you have grown. It may not sound like that much fun but in the long run it brings a lot more inner stillness, personal power and positive feelings.
13. 80-90% of what you fear will happen never really come into reality.
This is a big one. Most things you fear will happen never happen. They are just monsters in your own mind. And if they happen then they will most often not be as painful or bad as you expected. Worrying is most often just a waste of time.
This is of course easy to say. But if you remind yourself of how little of what you feared throughout your life that has actually happened you can start to release more and more of that worry from your thoughts.
14. Don’t take things too seriously.
It’s very easy to get wrapped up in things. But most of the things you worry about never come into reality. And what may seem like a big problem right now you may not even remember in three years.
Taking yourself, your thoughts and your emotions too seriously often just seems to lead to more unnecessary suffering. So relax a little more and lighten up a bit. It can do wonders for your mood and as an extension of that; your life.
15. Write everything down.
If your memory is anything like mine then it’s like a leaking bucket. Many of your good or great ideas may be lost forever if you don’t make a habit of writing things down. This is also a good way to keep your focus on what you want. Read more about it in Why You Should Write Things Down.
16. There are opportunities in just about every experience.
In pretty much any experience there are always things that you can learn from it and things within the experience that can help you to grow. Negative experiences, mistakes and failure can sometimes be even better than a success because it teaches you something totally new, something that another success could never teach you.
Whenever you have a “negative experience” ask yourself: where is the opportunity in this? What is good about this situation? One negative experience can – with time – help you create many very positive experiences.
What do you wish someone had told you in school or you had just learned earlier in life?
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Gandhi’s Top 10 Fundamentals for Changing the World“You must not lose faith in humanity. Humanity is an ocean; if a few drops of the ocean are dirty, the ocean does not become dirty.”
“The difference between what we do and what we are capable of doing would suffice to solve most of the world’s problem.”
“If I had no sense of humor, I would long ago have committed suicide.”
Mahatma Gandhi needs no long introduction. Everyone knows about the man who lead the Indian people to independence from British rule in 1947.
So let’s just move on to some of my favourite tips from Mahatma Gandhi.
1. Change yourself.
“You must be the change you want to see in the world.”
“As human beings, our greatness lies not so much in being able to remake the world – that is the myth of the atomic age – as in being able to remake ourselves.”
If you change yourself you will change your world. If you change how you think then you will change how you feel and what actions you take. And so the world around you will change. Not only because you are now viewing your environment through new lenses of thoughts and emotions but also because the change within can allow you to take action in ways you wouldn’t have – or maybe even have thought about – while stuck in your old thought patterns.
And the problem with changing your outer world without changing yourself is that you will still be you when you reach that change you have strived for. You will still have your flaws, anger, negativity, self-sabotaging tendencies etc. intact.
And so in this new situation you will still not find what you hoped for since your mind is still seeping with that negative stuff. And if you get more without having some insight into and distance from your ego it may grow more powerful. Since your ego loves to divide things, to find enemies and to create separation it may start to try to create even more problems and conflicts in your life and world.
2. You are in control.
“Nobody can hurt me without my permission.”
What you feel and how you react to something is always up to you. There may be a “normal” or a common way to react to different things. But that’s mostly just all it is.
You can choose your own thoughts, reactions and emotions to pretty much everything. You don’t have to freak out, overreact of even react in a negative way. Perhaps not every time or instantly. Sometimes a knee-jerk reaction just goes off. Or an old thought habit kicks in.
And as you realize that no-one outside of yourself can actually control how you feel you can start to incorporate this thinking into your daily life and develop it as a thought habit. A habit that you can grow stronger and stronger over time. Doing this makes life a whole lot easier and more pleasurable.
3. Forgive and let it go.
“The weak can never forgive. Forgiveness is the attribute of the strong.”
“An eye for eye only ends up making the whole world blind.”
Fighting evil with evil won’t help anyone. And as said in the previous tip, you always choose how to react to something. When you can incorporate such a thought habit more and more into your life then you can react in a way that is more useful to you and others.
You realize that forgiving and letting go of the past will do you and the people in your world a great service. And spending your time in some negative memory won’t help you after you have learned the lessons you can learn from that experience. You’ll probably just cause yourself more suffering and paralyze yourself from taking action in this present moment.
If you don’t forgive then you let the past and another person to control how you feel. By forgiving you release yourself from those bonds. And then you can focus totally on, for instance, the next point.
4. Without action you aren’t going anywhere.
“An ounce of practice is worth more than tons of preaching.”
Without taking action very little will be done. However, taking action can be hard and difficult. There can be much inner resistance.
And so you may resort to preaching, as Gandhi says. Or reading and studying endlessly. And feeling like you are moving forward. But getting little or no practical results in real life.
So, to really get where you want to go and to really understand yourself and your world you need to practice. Books can mostly just bring you knowledge. You have to take action and translate that knowledge into results and understanding.
You can check out a few effective tips to overcome this problem in How to Take More Action: 9 Powerful Tips. Or you can move on to the next point for more on the best tip for taking more action that I have found so far.
5. Take care of this moment.
“I do not want to foresee the future. I am concerned with taking care of the present. God has given me no control over the moment following.”
The best way that I have found to overcome the inner resistance that often stops us from taking action is to stay in the present as much as possible and to be accepting.
Why? Well, when you are in the present moment you don’t worry about the next moment that you can’t control anyway. And the resistance to action that comes from you imagining negative future consequences – or reflecting on past failures – of your actions loses its power. And so it becomes easier to both take action and to keep your focus on this moment and perform better.
Have a look at 8 Ways to Return to the Present Moment for tips on how quickly step into the now. And remember that reconnecting with and staying in the now is a mental habit – a sort of muscle – that you grow. Over time it becomes more powerful and makes it easier to slip into the present moment.
6. Everyone is human.
“I claim to be a simple individual liable to err like any other fellow mortal. I own, however, that I have humility enough to confess my errors and to retrace my steps.”
“It is unwise to be too sure of one’s own wisdom. It is healthy to be reminded that the strongest might weaken and the wisest might err.”
When you start to make myths out of people – even though they may have produced extraordinary results – you run the risk of becoming disconnected from them. You can start to feel like you could never achieve similar things that they did because they are so very different. So it’s important to keep in mind that everyone is just a human being no matter who they are.
And I think it’s important to remember that we are all human and prone to make mistakes. Holding people to unreasonable standards will only create more unnecessary conflicts in your world and negativity within you.
It’s also important to remember this to avoid falling into the pretty useless habit of beating yourself up over mistakes that you have made. And instead be able to see with clarity where you went wrong and what you can learn from your mistake. And then try again.
7. Persist.
“First they ignore you, then they laugh at you, then they fight you, then you win.”
Be persistent. In time the opposition around you will fade and fall away. And your inner resistance and self-sabotaging tendencies that want to hold you back and keep you like you have always been will grow weaker.
Find what you really like to do. Then you’ll find the inner motivation to keep going, going and going. You can also find a lot of useful tips on how keep your motivation up in How to Get Out of a Motivational Slump and 25 Simple Ways to Motivate Yourself.
One reason Gandhi was so successful with his method of non-violence was because he and his followers were so persistent. They just didn’t give up.
Success or victory will seldom come as quickly as you would have liked it to. I think one of the reasons people don’t get what they want is simply because they give up too soon. The time they think an achievement will require isn’t the same amount of time it usually takes to achieve that goal. This faulty belief partly comes from the world we live in. A world full of magic pill solutions where advertising continually promises us that we can lose a lot of weight or earn a ton of money in just 30 days. You can read more about this in One Big Mistake a Whole Lot of People Make.
Finally, one useful tip to keep your persistence going is to listen to Gandhi’s third quote in this article and keep a sense of humor. It can lighten things up at the toughest of times.
8. See the good in people and help them.
I look only to the good qualities of men. Not being faultless myself, I won’t presume to probe into the faults of others.”
“Man becomes great exactly in the degree in which he works for the welfare of his fellow-men.”
“I suppose leadership at one time meant muscles; but today it means getting along with people.”
There is pretty much always something good in people. And things that may not be so good. But you can choose what things to focus on. And if you want improvement then focusing on the good in people is a useful choice. It also makes life easier for you as your world and relationships become more pleasant and positive.
And when you see the good in people it becomes easier to motivate yourself to be of service to them. By being of service to other people, by giving them value you not only make their lives better. Over time you tend to get what you give. And the people you help may feel more inclined to help other people. And so you, together, create an upward spiral of positive change that grows and becomes stronger.
By strengthening your social skills you can become a more influential person and make this upward spiral even stronger. A few articles that may provide you with useful advice in that department are Do You Make These 10 Mistakes in a Conversation? and Dale Carnegie’s Top 10 Tips for Improving Your Social Skills. Or you can just move on to the next tip.
9. Be congruent, be authentic, be your true self.
“Happiness is when what you think, what you say, and what you do are in harmony.”
“Always aim at complete harmony of thought and word and deed. Always aim at purifying your thoughts and everything will be well.”
I think that one of the best tips for improving your social skills is to behave in a congruent manner and communicate in an authentic way. People seem to really like authentic communication. And there is much inner enjoyment to be found when your thoughts, words and actions are aligned. You feel powerfuland good about yourself.
When words and thoughts are aligned then that shows through in your communication. Because now you have your voice tonality and body language – some say they are over 90 percent of communication – in alignment with your words.
With these channels in alignment people tend to really listen to what you’re saying. You are communicating without incongruency, mixed messages or perhaps a sort of phoniness.
Also, if your actions aren’t in alignment with what you’re communicating then you start to hurt your own belief in what you can do. And other people’s belief in you too.
10. Continue to grow and evolve.
”Constant development is the law of life, and a man who always tries to maintain his dogmas in order to appear consistent drives himself into a false position.”
You can pretty much always improve your skills, habits or re-evaluate your evaluations. You can gain deeper understanding of yourself and the world.
Sure, you may look inconsistent or like you don’t know what you are doing from time to time. You may have trouble to act congruently or to communicate authentically. But if you don’t then you will, as Gandhi says, drive yourself into a false position. A place where you try to uphold or cling to your old views to appear consistent while you realise within that something is wrong. It’s not a fun place to be. To choose to grow and evolve is a happier and more useful path to take.
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Tuesday, April 28, 2015

Nepal’s Historic Sites, Before and After the Earthquake

6 Wrong Ways of Using your Credit Card

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Updated: Thursday, February 26, 2015, 14:53 [IST]
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Credit cards are widely used and accepted and the current trend of using credit card has made it a necessary evil.
These plastic cards are of great use when in financial need or when we run short of cash. However, the cash back offer and reward points also tempt us to make more use of it.
Many individuals use credit cards, but it depends on how smartly you use or you get fooled using it.
Here are some ways which you should avoid using credit cards:
1) Not more than one Credit Card
Holding credit card is good but having more than one can negatively impact your finances.
Having more than one credit card will make it difficult to track balances and statements even points you have earned.
2) Paying only Minimum Balance each month
Carrying forward each month balance amount will definitely hurt your CIBIL score. Moreover, you need to pay interest on the amount and late payment fees to the bank.
If you are not able to pay your balance each month, it means that you should cut your spending.
3) Closing Old Accounts
If you are planning to improve your credit score and build your credit history, closing of old accounts is a wrong decisions.
But you may think of getting rid of old accounts, which is a better option. Because old credit history is actually good for your score.
4) Neglecting Safety Issues
If you are an online shopper then make the most use of your credit cards, though you should be careful with your credit card safety. Here are few tips to save you from credit card frauds.
5) Redeem Reward Points
One must always keep track of cash back offer and reward points accumulated in the account. If the points are not used in the mentioned period it is said to be lapsed.
One can check the bank reward points catalog and plan the spending accordingly.
6) Use at right place
Now, with ease one can use the credit card to pay utility bill and premium payment rather then spending on luxury.
By paying such bills you will block you credit with necessary spending.