SAVERS ARE LOSERS

Dear Readers and Visitors,

Lots of people providing financial advice usually tell people to “save their money” to get ahead. This have proven very true in the past, prior to changes in 1971. However, the question arises whether this is still true in today's context. Before we discuss further, it may be appropriate for us to touch on the significant events in 1971, where economic measures taken by U.S. President Richard Nixon in  unilaterally canceling the direct convertibility of the United States dollar to gold that essentially ended the existing Bretton Woods system of international financial exchange. Due to the above changes, some financial advisers advocate that Savers are Losers. Though it might sound radical, however does it really make sense to save your money in today's economy? The answer is yes and no. Why we say that the answer to the question is in the affirmative because some of you may be aware that the inflation rate is very much higher than the savings rate you earn from fixed deposit. As a result, it does not make sense to save in the form of deposit except for your contingency and emergency purposes. This is crucial for those who do not have insurance policy for their needs. With this in mind, of course it makes more sense to hold securities in other forms than hard cash. Consequently, people became more incline to invest in commodities, real estate, shares and bonds as their hedging and investment tools which they believe to generate higher yields. This is true to some extent, if you enter and exit at the right timing. Timing is always the issue in any form of investment. You don't need a genius to figure it out for you. However, when there is heavy speculation, then the price will go up. Those who entered the market much earlier will make some profit. That is the game. The question that arises is when will the price reach its peak level. To have a better guage of the situation, you need to have relevant information that has an impact on those commodities. Your entry and exit point of your investment is crucial. The difference will give rise to the return of your investment. This will be the mechanism you ought to know. However, you also need to know that if these prices  keep on increasing, the appropriate authority will have to step in so as to reflect that they are tackling the issue. As a result, you may see the reversal trend appears on the market. Such an unhealthy trend so called to be curbed by the policy makers by imposing a much higher saving rate so as to reduce its impact to the society. If this issue is not well addressed, then this will add unnecessary burden to the lower income group especially, salary earners. If left unchecked, it will cause chaos to society at the end of the day. As such, If these trends for the long term are in the upward trend, then it makes more sense to invest on the above instruments rather than savings. As the market is flooded with liquidity, the investors have to turn them into other forms of instrument other than cash. Then the above argument holds water. However, at the accumulation stage of wealth, you may need to save by cutting down unnecessary expenses so long as you spend on the area where it can give you a better return in terms of health, enhance your productivity or assets value. Here, you must be cautious of spending on those areas that really can generate a higher yield to you. Every cent you save must be well spent to enhance those values so that you are either able to reduce your expenses substantially now or in the near future. Then you are actually added value to your net worth at the end of the day. By now, we hope we have given you a good insight of accuracy of the above statement so as to enhance your wealth management skills at the end of the day. This is crucial so as to reduce your unnecessary worries so as to lift you up in this critical aspect of life. No doubts money will bring you unnecessary misery, but lack of it will also give you tremendous misery as well. Of course, the latter is much better than the former, we believe. Please don't forget to share with us your views, both good and bad. Thank for your time to read this article. Wishing you a great success.

The Nine Habits of Highly Healthy People

by Jonny Bowden 
For years, business and motivational gurus have known that there are basic habits that seem to predict professional success and excellence. Books like
"The Seven Habits of Highly Effective People", by motivational speaker and business guru Stephen Covey, PhD has sold over 15 million copies alone, to people hungry for the secrets of success.

We don't yet have the perfect formula for long life, happiness and physical health, but a little careful distillation of the massive amount of research on health and longevity reveals that cultivating nine basic habits will significantly increase the odds of your living long, well and happily, in a robust, healthy, weight-appropriate body.

1. Eat your vegetables. No kidding. And I'm talking at least 9 servings a day.. Unless you're following the most stringent first stage of the Atkins Diet, you should be able to consume 60-120 grams of carbs a day (depending on your weight and exercise level), and you'd have to eat a stockyard full of spinach to get to that amount. Every major study of long-lived, healthy people shows that they eat a ton of plant foods. Nothing delivers antioxidants, fiber, flavonoids, indoles, and the entire pharmacopia of disease fighting phytochemicals like stuff that grows.


2. Eat fish and/or take fish oil. The Omega-3's found in cold-water fish like salmon deserve the title of "wellness molecule of the century". They lower the risk of heart disease, they lower blood pressure, they improve mood and they're good for the brain. And if you're pregnant, they may make your kid smarter!


3. Connect. And I'm not talking about the internet. In virtually every study of people who are healthy and happy into their 9th and 10th decade, social connections are one of the "prime movers" in their life. Whether church, family, volunteer work or community, finding something you care about that's bigger than you that you can connect with and that involves other people (or animals) will extend your life, increase your energy, and make you happier. Only always.


4. Get some sun. At least 10-15 minutes three times a week. Interestingly, a recent study of four places in the globe where people lived the longest and were the healthiest noted that all four places were in sunny climates. Sun improves your mood and boosts levels of cancer-fighting, performance-enhancing, bone-strengthening vitamin D, a vitamin most people don't get nearly enough of.


5. Sleep Well. If you're low in energy, gaining weight, grumpy and looking haggard, guess what?- chances are you're not sleeping nearly long enough nor well enough. By sleeping "well", I mean uninterrupted sleep, in the dark, without the television on, in a relaxing environment. Nothing nourishes, replenishes and restarts the system like 7-9 hours sleep. Hint: start by going to bed an hour early. And if you've got a computer in the bedroom, banish it.


6. Exercise every day. Forget this 20 minutes three times a week stuff. Long lived people are doing things like farm chores at 4:30 in the morning! Our Paleolithic ancestors traveled an average of 20 miles per day. Our bodies were designed to move on a regular basis. New studies show that merely 30 minutes a day of walking not only reduces the risk of most serious diseases, but can even grow new brain cells!


7. Practice Gratitude. By making a list of things you're grateful for, you focus the brain on positive energy. Gratitude is incompatable with anger and stress. Practice using your under-utilized "right brain" and spread some love. Focusing on what you're grateful for- even for five minutes a day- has the added benefit of being one of the best stress-reduction techniques on the planet.


8. Drink red wine or eat grapes. The resveratrol in dark grapes is being studied for its effect on extending life, which it seems to do for almost every species studied. (So does eating about 1/3 less food, by the way.) If you've got a problem with alcohol, you can get resveratrol from grapes, peanuts or supplements. (And if you're a woman, and you choose the alcohol option, make sure you're getting folic acid every day.)

9. Get the sugar out. The number one enemy of vitality, health and longevity is not fat, it's sugar. Sugar's effect on hormones, moods, immunity, weight and possibly even cancer cells is enormous, and it's all negative. To the extent that you can remove it from your diet, you will be adding years to your life and life to your years.

This list may not be perfect and it may not be complete, but it's a start. As my dear grandmother used to say, "Couldn't hurt". Not one of these "habits" will hurt you, all will benefit you, and some may make the difference between life and death.

And it's never too late to start cultivating them.

Enjoy the journey!

A Beautiful Story!

A blind boy sat on the steps of a building with a hat by his feet. He held up a sign which said: 'I am blind, please help.' There were only a few coins in the hat.

A man was walking by. He took a few coins from his pocket and dropped them into the hat. He then took the sign, turned it around, and wrote some words. He put the sign back so that everyone who walked by would see the new words.

Soon the hat began to fill up. A lot more people were giving money to the blind boy. That afternoon the man who had changed the sign came to see how things were. The boy recognized his footsteps and asked, 'Were you the one who changed my sign this morning? What did you write?'

The man said, 'I only wrote the truth. I said what you said but in a different way.'

What he had written was: 'Today is a beautiful day and I cannot see it.'

Do you think the first sign and the second sign were saying the same thing?

Of course both signs told people the boy was blind. But the first sign simply said the boy was blind. The second sign told people they were so lucky that they were not blind. Should we be surprised that the second sign was more ?

Moral of the Story: Be thankful for what you have. Be creative. Be innovative. Think differently and positively.


The most beautiful thing is to see a person smiling…

And even more beautiful is, knowing that you are the reason behind it