Thursday, October 2, 2008
10 tips on achiving financial sucess
Debt
10. Face Facts
Before you go any further, you need to sit down and work out exactly what you owe, to whom you owe it, and what interest rate you are paying. This information will be very helpful with the rest of these tips. It is very easy to think of all of our debts as small payments each pay, but when you add them all up they can amount to a massive debt. This can be a very scary task but unfortunately it must be done. If you need to, get a friend or family member to sit down with you to help you go through old bank statements to make sure you miss nothing out. The good news is that once you have done this, the hard part is over. You have faced the debt and now it is time to kill it.
9. Stop Spending
Be satisfied with what you have. For the next few months you are not going to be able to spend money on treats. It is very important to be able to resist all of those wonderful things that we all want to have. If you are always wanting to buy new things, you are going to find it very hard to stick to the tips in this list and that can lead to failure and, even worse, more debt, unless you can start being satisfied with what you have. Chances are, shopping is what got you in to this predicament in the first place, so nip it in the bud now. You absolutely must stop acquiring new debt.
8. Increase Your Income
While this is not always possible, you should certainly try to increase your income (even if by only a small amount). The more money you have to put on debt, the faster you will eradicate it. You can take a part time job at a supermarket, at a fast food restaurant, or even just offering to do odd jobs around the neighborhood. There are a huge variety of part time jobs available in all manner of areas.
Debt Counseling
7. Pay Yourself
It is very important that you give yourself enough money to spend each pay cycle. If you try to skimp in this area, you will break your budget and undo all of the good work you have achieved. This is not to say that you should not be trying to reduce expenses, which is also very important. When working out your “play” money, be sure to include everything you might normally spend money on. If you leave something off you can put the whole budget out of whack.
6. Stop Saving
Until you are out of debt, stop saving. In fact, if you have savings put aside, you should immediately transfer the full amount on to your debts. Your savings account will be making you far less interest than the money you will save by reducing debt at high interest. Here is a very basic example:
Savings @ 5% : $10,000 (Total interest earned in one year: $500)
Credit Card @ 21% : $10,000 (total cost of debt for one year: $2,100)
By putting your $10,000 on to your debt, you are saving $2,100 in interest charges at the expense of $500. It would be utterly foolish to leave your money in the savings account.
5. Consolidation Loans
Unless you have managed to get so deeply into debt that you can’t make minimum payments on all of your loans and cards, you should definitely not get a consolidation loan. If you are in such a bad state that you simply can’t afford your debts, a consolidation loan may be the only choice you have short of bankruptcy. Make sure you shop around and get the lowest rate possible. You should also try to keep the term down as it will become a part of your debt budget (item 1) and you want to clear your debts as soon as possible.
4. Reduce Expenses
Frugal living can be very rewarding. Not only do you save money, but you learn a lot about survival and taking care of yourself. There are some very simple ways you can reduce expenses. For example, perhaps you go out on the town twice a week - reduce it to one night and have the other night in - you can still enjoy yourself but you won’t be paying bar prices for liquor. If you always buy brand goods at the market, start buying generic - you can save a lot of money doing this. You should also consider buying in bulk as bulk buying is almost always cheaper. Keep your eyes out for good deals and coupons. While this may seem like a difficult step, you will eventually find that you prefer to live like this because of the many rewards that come from exercising your brain in seeking out ways to reduce spending. A very beneficial side-effect to this (which I have personally experienced) is that you can dramatically reduce the amount of trash you produce by buying only what you need and buying in bulk. This can be looked at like a game. When I was following this plan, I found myself trying every week to reduce the amount of money I was spending. The less I spent, the better I lived (as a result of home cooking and pride in my efforts). Do not buy pre-packaged or prepared meals - you are paying a lot of money for nothing. You should also be aware that certain meats, like chicken, can go up in price dramatically when you buy skinned and boneless. It does not take much time to do this yourself.
Credit Card Debt
3. Credit Cards
Credit cards can be as good a tool to get out of debt as they were to get you into debt in the first place. If you have a credit card with a low interest rate that is not maxed out, consider moving a higher interest debt (or as much of it as you can) to the card. The interest savings may seem low, but every penny counts.
If you have maxed your cards out, the first thing you need to do is cut them up. You will not be using credit cards on this plan (and if you absolutely need one for important internet purchases, get a pre-paid credit card).
2. Budget
First of all, this budget will include all of your income and all of your expenses, but, it will not include any of your debts - they will go on your special debt budget (see item 1). In this budget you should list your total income, your total outgoings, and your total surplus. As a part of this budget you should also include your required spending money (item 7). It is imperative that you stick to this budget - it is your lifeline. If you are not honest when creating it, you will find the whole thing collapses within one or two pay cycles. Include every expense.
1. Make a Debt Budget
This is different from your regular budget. Your regular budget will tell you how much money you have left after all other expenses have been paid, the debt budget will tell you what you owe and how much to pay on each debt.
Transfer the total surplus from your budget to the debt budget. This is the most important money you have - it is the money that will give you financial freedom.
Next you need to itemize all of your debts in order of highest interest paid to lowest interest paid. Pay the minimum amount required on all but the highest interest debt - this is the only time you should be paying minimum payments. Keep doing this until you remove the high interest debt entirely. Once this is done, put 100% of the money you were spending on that debt to the debt with the next highest interest; keep doing this until you have paid all of your debts off. This creates a snowball effect and you will be amazed at how quickly your debt is reduced. It is one of the best motivators for people working on debt reduction. You should remember to do this in conjunction with item 3 (transfer highest interest debts to lowest interest debts where possible).
Once you have paid all of your debts off, start putting the full amount of your debt payment money into savings and investments. You were already living without the money - why not keep doing so and save it for something special.
Monday, September 29, 2008
Crimson Eyes
This place was where I come for my peace of mind and take a break from daily routines. I observe people consumed in their own worlds, smiling and laughing. Sometimes my blank mind wonders whether those smiles are real. Other times I wonder even if it is real, how long will it last?
I wasn’t always like this. I can remember though hazy, that sometimes I used to smile. I use to think this world was bright and colorful. But now it’s just black and white with shades of gray. I used to love my life, hang out and have fun with friends but all those are nothing but memories down the river of time.
Everyday it gets a little harder to get out bed, a bit harder to get myself ready. But I’m used to painting a smile over my lips. I would like to have friends, go out to movies and dates. I would also like people to ask for my number and get invited to parties. But they will always remain as a colorless dream.
Sometimes I lie on my bed and wonder if this is a nightmare. Then I pinch myself to get out of it. Yet somehow I never wake up. That is why each and every night I get completely deranged. It feels like I’m stuck in a reality where rotting in the never ending abyss is not even scary.
Some people would define me as a maniac but then again I stopped caring about what people say years ago. No one considers me of their own kind. I wish to meet the unwanted like me. But that is when the wind of realization punches me in my guts and knocks the air out of me.
My head filled with empty thoughts. My heart numbed by this loneliness I face each day. I was stoical from the day I was born. But sometimes this pain is a little more unbearable. I always minded my own business, being happy loving people and caring for others was mainly why I lived. Then to realize it was all just a waste of time. Any person would break down…why should I be an exception?
I remember feeling the wind in my hair. I remember feeling the rain on my skin. I remember happiness and somehow I recall what it felt like to smile.
Every so often I sat on my window pane and saw the innocent bright eyed children playing bringing back shadows of past when I was just like them, how sweet was it to play for long tiring hours and come back home where my mother was waiting for me with milk and cookies. And when I fall down and scrape my knee she would put medicine. Now, I don’t have a person to call my own let alone a home.
I remember sitting around with flowers and looking at the cute neighbor, and hiding behind the fence where we shared our first kiss only to find him gone two days later. I can still see the day after years of waiting I finally graduated from college with my degree only to wander aimlessly around disregarding any comments from anyone telling me that I was hell-bent on wasting my life. Day after day, coming home late and making my mother worried. Then I remember the day I went for a picnic and came back to find my mother in eternal rest lying on the bathroom floor.
I remember the day when I decided to sell everything and move somewhere, where her reminiscences would not haunt me. The tapes unreeled before me showing me the day when I met the new home owners and sold them everything while I packed and moved to New York. I remember getting a job as a lawyer and a partner of the firm.
I remember working vigorously for hours and finally hitting rock bottom one day. I remember going into the bathtub and playing Tic Tac Toe with razorblades on my wrist. I watched mesmerized as the blood flew steadily ticking the seconds away on my life. And I remember gladly going under just to be discovered by the house maid landing me in hospital and then mental asylum.
Now I am lying on my bed again, staring at the blank cream colored ceiling up above, wondering how if feels like to be dead. But no matter how hard I try I am still trapped in my nightmare sewn up into reality. This is the pain you feel when every exhaled breath feels like a silent scream.
Sometimes I wonder if she was alive, whether I would not have gone insane. And then I start to think it was good for her. She didn’t have to witness as much as suffering and hurt of the cruel world as I did. Maybe it was good for me too. Even I can boast that I have been through hell and back to anyone who would listen.
Now thirty years passed down the sands on time in my life but there has always been the fact in my heart that though how easy I have always given up and ended up a looser. Now I’m not going to give up and end up in inferno for eternity.
Everything in my life that happened made me stronger, apathetic I agree, but definitely stronger than anyone. It made my skin thicker and made me learn faster. I can’t give up again because I am a fighter. After all even if it is the same old sun, it is a bright, beautiful new day
How to spot a liar!
Quite often a person feels the need to lie about something - if you are the person being lied to, there are a few simple tips for catching the liar out. This is a list of the top 15 tips.
< Physical expression will be limited and stiff, with few arm and hand movements. Hand, arm and leg movements are toward their own body as the liar tries to take up less space.
2. A person who is lying to you will avoid making eye contact.
3. Hands touching their face, throat & mouth. Touching or scratching the nose or behind their ear. Not likely to touch his chest/heart with an open hand.
4. Timing is off between emotions gestures/expressions and words. Example: Someone says, “I love it!” when receiving a gift and then smiles after making that statement, rather then at the same time the statement is made.
5. Gestures/expressions don’t match the verbal statement, such as frowning when saying “I love you.”6. Expressions are limited to mouth movements when someone is faking emotions (like happy, surprised, sad, awe, ) instead of the whole face. For example; when someone smiles naturally their whole face is involved: jaw/cheek movement, eyes and forehead push down, etc.
7. A guilty person gets defensive. An innocent person will often go on the offensive.
8. A liar is uncomfortable facing his questioner/accuser and may turn his head or body away.
9. A liar might unconsciously place objects (book, coffee cup, etc.) between themselves and you.
10. A liar will use your words to make answer a question. When asked, “Did you eat the last cookie?” The liar answers, “No, I did not eat the last cookie.” alt="Liar Liar" vspace="4" width="219" border="1" height="209" hspace="4" />
11. A statement with a contraction is more likely to be truthful: “ I didn’t do it” instead of “I did not do it”
12. Liars sometimes avoid “lying” by not making direct statements. They imply answers instead of denying something directly.
13. The guilty person may speak more than natural, adding unnecessary details to convince you… they are not comfortable with silence or pauses in the conversation.
14. A liar may leave out pronouns and speak in a monotonous tone. When a truthful statement is made the pronoun is emphasized as much or more than the rest of the words in a statement.
15. Words may be garbled and spoken softly, and syntax and grammar may be off. In other-words, his sentences will likely be muddled rather than emphasizedSunday, August 10, 2008
Leaving...
They always say that they will be back...rarely a case when they are except for terminator..and might i remind you that its full of crap like any other damn movie where they say they will be back!Well kiss my ass if you..cuz i know u ain't coming back. But that's okay. Cuz we will meet soon enough. If u don't come back I will go after you..cuz thats what we always do...we follow the people we love..Cuz we dont wanna be left alone when they go into the darkness..
Theirs a beautiful song into the dark-death cab for the cutie. Its a song that deals with people leaving but on a higher level that i have ever heard before.Mainly one of the reasons why i dig it. And also lets not leave out the fact that its acoustic and the video is awesome.
Love of mine some day you will die
But I'll be close behind
I'll follow you into the dark In this song lyrics the guy is saying that even if u go i'd still follow u into the dark.Beautiful song great lyrics but i wonder if actually anyone wud follow me into the dark...
No blinding light or tunnels to gates of white
Just our hands clasped so tight
Waiting for the hint of a spark
If heaven and hell decide
That they both are satisfied
Illuminate the no's on their vacancy signs
If there's no one beside you
When your soul embarks
Then I'll follow you into the darkNo i let u be the judge of what a love like that is about.A love so tight u cant let go..so willingly u wud follow them into the death pit..Beautiful and short life seems.. When u haven't got our love besides u life seems dull and long..so why live people might ask...cuz when u live u know that theres hope for u to meet someday....
Thursday, April 10, 2008
REMINISCE
"PAST IS HISTORY
TOMORROW IS A MYSTERY
TODAY IS A GIFT
THAT'S WHY IT'S A GIFT"
Don't forget to take your experiences from the past but never ponder over it.Cause if your history was different you probably wouldn't be where you are today-> that aside you would't be who you are today.So don't be afraid ,DOnt be sad.Psych yourself for tomorow and enjoy the present .What the hell!.....ENJOY LIFE CAUSE ITS A ONCE IN A LIFE TIME EXPERIENCE!!!!!!!....
Saturday, December 29, 2007
Saturday, December 8, 2007
Voice beyond the shadows.
No one intends to become a drug addict or alcoholic. Our experiences show that the drug addict or alcoholic was usually an intelligent and often creative person with much hope for the future.

However, they were unable to deal effectively with life’s problems and turned to drugs or alcohol as a means of dealing with unwanted situationsThe person usually takes drugs because they attempt to compensate for some personal deficiency or life situation. They may be depressed, in pain or incapable of dealing with a loss of a loved one or extreme circumstance. It could also be as simple as a need to fit in and make friends, or a way to lose weight. Regardless of the reason, the person begins to seek "help" in the form of drugs or alcohol

Drugs are essentially a pain-killer. They lessen emotional and physical pain and provide the user with a temporary escape from problems. When a person is unable to cope with something in life and take drugs as a result, they feel they have found a way to deal with the problem.They are now addicted. They become difficult to communicate with, withdrawn and begin to exhibit the strange behavior associated with being on drugs. The more the person uses to try to counter this effect, the more desperate he becomes

Their use begins to affect their personal relationships, their job, their bank account, and anything of previous value to the addict. Now the person's entire focus becomes centered on using drugs and getting more drugs, regardless of the cost. They sacrifice everything to avoid the pain of withdrawal, the guilt of what they have done and the problems they have been running from

At this point, the average drug user does one of three things:
1.Continues using drugs and becomes more and more lost, unhealthy and degraded until he eventually becomes homeless or dead.
2.Gets arrested for some drug-related activity and goes to jail or prison.
3.Attempt to quit drugs in any one of a variety of ways. He may try to stop on his own, or go to a drug addiction treatment center or program. Sadly, the success rate of traditional treatment is not high and most addicts continue to relapse. This destroys the addict’s confidence and leads him to feel he will remain a slave to drugs forever.
All you can do is give them home and make them trust themselves and help them to overcome this addiction with ur support and love.Don't isolate them.
Wednesday, December 5, 2007
Socially un-acceptable?
Then I met Jille.She was a devil in disguise and just my kind.We were hybrid demons. We hung out almost always and suddenly everyone else was withdrawing from me. I used to feed off their energy and their fright.But they were full of so much fear that they just went away.Of course Jille was much more cold hearted than that to know what fear was.
Days grew shorter and nights grew longer.Time started slipping away and I was falling down fast into the well of nothingness.I felt empty and hollow.I didnt feel my heart beat for 5 years until Jille decided to move to another country and she was caught in a train accident which nearly cost her , her life but now she is barely living.Everyday she is tormented and tortured with a new kind of pill.The hospitial people treat her as if she is an experiment.
I write this because she is a mime and cannot speak in a language that all understands.But I can. I am writing this cause she can't.I am talking on behalf of her because she can't.You see right after the accident her boyfriend who was going to marry her left her saying that she is a paralysed person and that he doesn't love her anymore.An he called her a deforemed b*tch.But is it ok to call whoever u want whatever Just because we hybrids are much more advanded than u mentally does not mean we should not be socially unaccepted.Just because u fear us doesn't mean that we won't hurt you mortal human being. We will and soon the army of hybrids like myself and jille will rise and punish you immoral homo sapien sapiens.
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By:-Jummi
Land of the pure?
I think that some of our parents and society is ashamed that we are muslims and so trying to hide that fact with making a lot of us wear western clothes and all.It just goes to show that WE as Muslims and Non-addicts arent doing our part to save the population of Maldives.->MUSLIMS SHOULDN'T NOT USE SUBSTANCES LIKE ALCOHOL AND ALIKE
5 years ago in Maldives there was only 6 people with aids and all were aged between 24- 30.But right now there are more than 600 girls and boys altogether in Mal'e alone between the age 12-18.Althought the media tells everyone that Maldivians are 100% percent muslims Im not so sure abt it.->MUSLIMS SHOULD NOT HAVE PRE-MARITIAL SEX.
Not too long ago there was this incident of ishaaru (Choaty of kudahenveiru) being murdered.Let me tell you innocent people of Maldives and Government->MUSLIMS DON'T KILL OTHER MUSLIMS.
Is this the Maldivian dream we always saw. Our beautiful land turning into evil? Wake-up youth of Maldives.The time is now more than ever to take the lead and make the nation once again great just like how it was before:D
My broken wings

I know this will not remain forever
Tuesday, December 4, 2007
Purely skin deep

Mistakes
We all are humans.We are not perfect.We make mistakes,sometimes small sometimes big. Whether it is a mistake of trusting the wrong foe or fooling a friend or simply doing soemthing absolutely stupid like videotaping ur sister's firstnight and selling it over the net.You might ask what is my point exactly? My point is when others make mistakes we don't forget or forgive easily but when we do the same mistake we expect them to forgive us easily as if its not a big deal.Why is it that we expect the things out of others that we can't even give to them? Is it a humanly flaw or somehow the effect of community on us?
Monday, December 3, 2007
->to be or not to be?
The next issue is how do you really know if the guy is serious with you?...well it isnt really obvious whether or not he is really intrested in you.Most of the guys just see ur vagina and nothing else and all they wanna do is screw but maybe that guy is really in to you.If he is really into you he won't try to force u or presssure u in any way to do so.If you decline his invitation then he would simply accept the fact and wouldn't go to other female homosapien sapiens.
FOr guys how do you that she is really serious with you? She wouldn't wanna have sex with you until your married.
Sex is important but after marriage.Trust me when i say I get horny too but hey everyone should learn to control themselves and all.After all just think abt the great happiness u will get when you go to heaven.The feeligns are much pure and lovely.So ali I dont think it raises much question
Sunday, December 2, 2007
Love....

Saturday, December 1, 2007
Butterfly

The best things..
Also the best things in life come in series....like enemies->friendship->love and prison break. The best thing they don't last forever if u neglect them but they will fly just a centimeter away from ur reach..learn to appereciate the small things that make you laugh, for the big things they won't wait forever but the small things--the memories will always linger.If we just knew how to accept the small things....
