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TIPS ON WISE USE OF CREDIT CARDS

* Shop around for the best deal. Look for waivers on joining and annual fees.

* Limit the number of credit cards you carry based on your needs and payment capability(recommend a maximum of two cards only)

* Shop online only with trusted websites.

* Pay before the due date to avoid late payment and penalty charges

* Pay the amount due in full when you get your monthly statements to avoid interest charges. know the consequences of paying only the minimum amount.

* If you have a cash flow problem, pay the minimum amount for a start and work towards paying the full amount as soon as possible.

* Avoid using your credit card if you cannot make the monthly payments.

* Do not use your credit card to get cash advances from an ATM. Remember, each time you use your credit card to withdraw money, you are increasing your loan commitments in addition to paying upfront withdrawal charges and daily interest.

* Always check your credit card monthly statements to ensure proper transactions and charges are recorded. These statements will detail all your transactions, including fees and charges, payment due dates and the minimum payment. Call your bank if there are discrepancies in your statements or if you have not received one.

BENEFITS OF A CREDIT CARD

Benefits of credit card:

* It is a convenient and efficient mode of cashless payment.

* Enables purchase of products and services online-including airlines tickets.

* The statements will assist you to track your spending for budgeting purposes.

* Some credit cards provide free personal accident and travel insurance coverages.

* Attractive schemes, such as zero-interest installment plan, flexi-payment scheme and balance transfer.

* Earn loyalty points to enable you to redeem goods and/or services.

TIPS ON BUYING A CAR

* Shop around for a car that is reliable and meets your needs. Do some research and ask for advice from family and friends.

* if you decide to buy a used car, get a trusted mechanic and PUSPAKOM to first inspect the car.

* Consider the resale or trade-in value of the car, should you decide to sell it later.

* If you decide to apply for a loan, shop around for a package based on your affordability. Find out what is the effective interest rate you will be paying.

* Work out the budget based on your monthly income. Take into account the monthly installment and related running costs such as fuel, toll, parking fees, other expenses like road tax, insurance and regular servicing.

* Try saving more cash for the down payment and apply for a smaller and shorter loan tenure. The longer the loan tenure, the more interest you pay. In addition, applying for a longer loan tenure may not work in your favor should you decide to sell your car as the value of your car may be lesser than the outstanding loan amount.

* Do not use your credit card to pay for the down payment as doing so would mean getting myself into a loan high interest rates.

* Be prepared for unexpected expenses to cover repairs in case of a breakdown or an accident. It is advisable to know the availability of spare parts and the costs to replace them.

* Ensure that your car is adequately insured. There are two main types of motor insurance: comprehensive and third-party coverage.

老板最害怕的六種問題員工

每間公司管理層最頭痛的問題員工如下：

1）負面型：悲觀，嫉世憤俗、沒有熱情、不合作。

2）受難者型：認爲自己很可憐、感受到不公、喜歡怪罪別人、引發其他人的罪惡感。

3）抱怨牢騷型：到處訴苦、愛反抗、長期心懷不滿。

4）高高在上型：優越感、傲慢、自我中心、堅持自己永遠不會錯。

5）以退爲進性：表面上順從、謙恭、安靜、避免沖突、但是也逃避責任。

6）敵意攻擊型：愛逞強出頭、不滿足、愛爭辯、容易出現辱罵或暴力的行爲。

其實問題員工易傳染其他人，影響團隊工作士氣及效率，管理層宜立即將之“隔離”，阻止對方在發放負面信息，再詢問其不滿原因，進而再爲同事“解毒”，向同事再三言明公司或管理層方針。

过去不等于现在，现在不等于未来

每个人每做一件事情不可能每一次都一帆风顺，总会发现某些时候或场合出现问题或挫折。有些人会被这些挫折给吓倒。有些就会把它当成是教训，记下来免得下次同样错误再出现。而对于某些呢则一直被未来的事情而弄得自己心神不安或恐惧。其实，世界瞬息万变，什么情况都有可能发生。与其反复思考根本就不可能思考出什么结果的问题，还不如不去想它，好好的过每一个现在才是最重要的。

人类有太多地放不下，比如放不下爱情，放不下亲情，放不下面子，甚至放不下地位和名誉。因此这些人将会活得很累，活得很辛苦。要想做一个能拿得起也能放得下的人，必须要有一种很好的心态。宽容大度的告别曾经发生过的一切，心平气和的去面对无法预知的未来，还有那无法决定的成败得失，这样才能超脱，才能显得大方。

常会听身边朋友说对某某感情或事情应该“要拿得起，放得下”。 可是真正做到的有多少呢？要成为一位宽容大度的人不简单，需要不断进取。经常阅读一些名人的传记，在名人的身上吸取所需要的力量，作为自己成功的动力。

其次，可以尝试做自己害怕做的事情，消除失败恐惧感，建立自信心。 所谓“积少成多”，必须记得 大大的成就都归于小小的胜利所累积起来的。除此之外，得给自己机会。因为每个人都有犯错的时候，只要能改过，就是好的，可是你得给自己一个改过的机会，这样对自己才是一个公平的举动。

在失败的过程中找出适当的原因。人们最害怕的事情就是毫无理由的失败，即使是失败了，也得找出一个什么的理由。这样就不至于把自己的自信心也给输掉。

其实成功并不是说非得打败对手，独占鳌头，真正的成功是指自己的自我价值得到社会的肯定，自己的人生价值得到周围人的肯定，这才是真正的成功。

生活中的成功者！

相信每一位企业老板都在寻觅着-能主动积极去工作的人。虽然所招聘的员工的技能有所不同。可是，基本上，他们要找的是同一种人。那些能沉浸在工作状态中，独立自主地把事情做好的员工-将会成为老板最需要的人！其实，每一位员工都有实现企业终极期望的潜能。可是，真正能展现出潜质的人却少之又少。不等老板吩咐就做该做的事，将会在职场上表现出出类拔萃的一面。

绝大多数的人认为公司上班等于替别人工作。其实最终都是替自己工作的。虽说老板指派工作给我们。评价我们的工作绩效。可是最重要的是，怎么做是掌握在自己个人手中！ 构想和行动是靠我们自己决定的。

自愿承担能使自己朝着自己的梦想迈进的额外工作。判断自己的长处，选择能支持自己本性和发展目标的职场环境。对自己有信心，激励自己，积极主动地发挥自己的特长，争取表现的机会。

每个人身上都储藏着未被开发的潜能。以消极地等待其他人发觉自己的潜能。我们等待别人-以这种方式-告诉自己什么是因该做的以及在什么时间做。

远离不理解你的追求或对你的梦想的一部分不感兴趣的人。多和支持你，鼓励你的人在一起，多跟你尊敬，渴望向其学习的人共处。

做一个行动者而不是消极地等待别人的指令。自动自发的去寻找该做的事情！倾听，学习及以谦卑的态度对待身边的人。做一位说话算话，值得信赖的人。不用上司一连串的提醒或不断的要求，自动自发的把事情做好。在体会你身边的人的需要上领先他人一步，判断你的上司，周围的同事以及你的顾客的需求，主动予以协助。

提供解决办案而非林林总总的问题。在提出解决方案的同时，为工作注入新的理念和活力。

积极主动地工作。勇敢迎接挑战，立志让自己的工作随时保持在巅峰状态，让自己每天都站在别人无法企及的位置上，然后脚踏实地的一步一步朝目标迈进。

树立起行动迅速，做事敏捷，积极主动的形象。发挥出一种不寻常的技巧和能力，这也会让你拥有精彩和幸福的人生。

任何工作都有“百尺竿头，更进一步”的可能。能做到最好，就必须做到最好。永远以最佳的精神状态工作。每天精神饱满的去迎接工作的挑战，时时思考如何才能达到自己的目标。让行动充实自己的每一天，让自己与众不同，用共同的梦想和激情把周围的人新连接在一起。对自己的工作倾注全部热情。