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Because of the large number of decisions we all have to make in life, it is advisable to adopt a simple problem solving scheme:

Define the problem that we need to decide upon. It may sound redundant. The Leader must first of all decide what he wants to decide upon. Decisions always spell change. Our decisions will always introduce us into different directions. Thus, we have to know what we want. Nothing will be accomplished what we want.

Get rid of preconceived ideas concerning the problem. It is important that we have a clear picture in our minds about the problem we are facing or the situation we wish to change regardless of how we presently feel about it.

Gather correct and complete information pertinent to the problem. Every solution reached has to be based upon reality. If we are determined to make an effective solution, we have to search for the reasons that will prevent us from making good solutions.

Assertiveness is an essential tool to get what you want in a given situation. As a tool, it takes time and constant price to develop it. Here are some ways to get what you want in a given situation:

1. Know what you want to say.

The clarity of your intent to communicate gives you the power to focus on your main idea. Thus, you can deliberately emphasize essential points in your statements by giving stress to important words, increasing the volume of your voice and slowing down you nonverbal assertive cues.

2. Be direct and sincere.

Whether you say "Yes" or "No", mean it and speak from the heart. You may please some people but you being honest, straightforward, and tactful in communicating can win the hearts of more people.

3. Be specific.

If you know what you want to say, you can present concrete and vivid details of your main idea. Clarity of your thought and sincerity of feeling provide you a direction to present your stand with conviction.

Assuming that you have valid, substantive, and reasonable message, how do you express it? What tone of voice do you use? Are you conscious of your posture, gesture, ad facial expressions as you say it?

It is not the message per se that make or breaks communication. The manner by which a message is put across counts a lot.Use creative speech to lessen the barriers to effective communication.

Creative speech has two aspects, the substance and the conduct. The former refers to the message itself. This element asks the question "What," that is, what is the message about.

The second aspect pf speech focuses on he conduct by which the message is transmitted. How is it expressed? Is the approach employed to convey the message appropriate to the occasion? Being gentle and creative in speech and manners is a virtuous conduct.

Do you still remember your childhood times? The time you were playing with your friends, running and having some fun while the rain is still pouring, catching butterflies and dragonflies at the back of your house or even the time you are pointing and counting the seven colored rainbows up in the sky.

Well, those were so awesome that no one can buy from. Things that was so lovely to recollect. Life is so beautiful, isn’t it? Reminiscing the past is good. It may make us feel better from the busy work life that we have now and even from the polluted workplace that we are in now. Appreciating what God gave us, our lives, is really something that really helps us to forget our stressors and motivate us to strive harder in our career. Well definitely, above all of this, it is soundful to take care of our selves and thank our dear Lord for giving us a wonderful life to live.

Remember this. Life form us. Sins deforms us. School informs us but only God can transform us. Allow him to enter in your life to be a better person.

• Spend Less. Lesser stuff and lesser expenses equals to more money!

• Make personal budget. This is vital for families and individuals and can be the best ever way to save money.

• Bulk is better. Think about shopping and buying in bulk. Save money grocery shopping by setting up meals in move forward and bulk-buying.

• Make sure a sale is a sale. Do your price research before you entrust to making a luxurious purchase in a retailers money-off sale.

• Buy second hand. Sure, we all like to buy new. But there are huge money funds to be made in buying second-hand.

• Don't carry too much debt. Some debt in our lives may be necessary.

• Save some money. Each week get into the habit of putting a quantity, however small into your reserves.

• Shop intelligently. Think markets, superstores, farmer's market, restricted shops, marts and supplies.

• Eat in more willingly than out. This is a enormous area where you can save cash.

• Use less. This money tip is a lesson we all need to learn using less.

Sit down, relax, and carefully talk about your finance matters with your family.

Use all the money you have to pay your credit card bill. Just keep enough for your basic needs sch food, utilities and your house rental.

Tighten your belts, control your self, have a self - discipline and do not spend for anything else until your debt is fully paid.

If you have asset or stuffs that are not so important to keep, I am telling you, sell them and have the revenue to get out of credit card debt immediately.

Negotiate with your credit card company for a lower interest rate. Surrender your card and tell them that you can not afford to continue with their big interest rate. Your monthly payment will be reduced, but still will have to pay! It is the best to be open and straightforward with your creditors.

You will be in bigger trouble if you do not do this as soon as possible.

Mutual funds could be a combination of Lending investment and ownership investment, depending on their type. Mutual funds are usually classified into stock fund, balanced funds, bond fund and money market funds.

It is a very good alternative to bank deposits but what are the advantages of it?

1. Low initial investment

Mutual funds is a great equalizer.Most of the people call it the secret of the rich which is now usable to the meager people. Banks do not really treat people evenly, but we really do.

2. Diversification

It mixes with different types of investments within a portfolio

3. Convenience and cost efficiency

Mutual fund take the stress away from small investors who want to invest in the financial market.

4. No more tax and additional charges

Mutual funds invest in stocks and securities that are already subject to a final withholding tax.

5. Liquid investment

You can get your cash easily if you need it.