Perbaiki laporan CCRIS

Apabila seseorang membuat pinjaman dengan institusi kewangan, maklumat kredit peminjam direkod melalui sistem dikenali sebagai Sistem Maklumat Rujukan Kredit Pusat (Central Credit Reference Information System) atau umum mengenalinya sebagai CCRIS. Sistem ini dikendalikan Biro Kredit ditubuhkan di bawah Akta Bank Negara 1958 dan mula beroperasi sejak tahun 1982.

Setiap institusi kewangan yang bernaung di bawah Bank Negara Malaysia (BNM) akan menghantar maklumat semua peminjam secara bulanan ke BNM untuk dimasukkan ke pangkalan data ini. Maklumat ini berkaitan jenis pinjaman, jumlah pinjaman, jumlah ansuran bulan dan pembayaran balik pinjaman. Maklumat ini sentiasa dikemas kini berdasarkan laporan dari institusi kewangan terbabit.

Dengan kata lain, laporan CCRIS adalah fakta dan rekod yang disediakan oleh institusi kewangan dan disatukan kepada satu badan iatu Biro Kredit. Namun begitu, laporan ini tidak memberikan cadangan mengenai status kredit seseorang individu kerana setiap institusi kewangan mempunyai dasar yang berbeza dalam membuat penilaian risiko kewangan setiap individu.

Dengan adanya sistem CCRIS, institusi kewangan boleh membuat semakan tentang komitmen kewangan seseorang yang ingin membuat pinjaman. Berdasarkan maklumat yang diperolehi dari CCRIS, ia membolehkan bank membuat pertimbangan sama ada untuk meluluskan permohonan pinjaman atau sebaliknya.

Tanggapan yang menyatakan CCRIS adalah satu senarai hitam tidak benar. Ia rekod pinjaman seseorang individu dengan institusi kewangan yang mungkin mempunyai rekod baik atau buruk.

Apa yang ada di dalam laporan CCRIS terdapat tiga komponen utama iaitu yang pertama membabitkan kredit belum jelas seperti pinjaman perumahan, sewa beli kenderaan, kredit kad, pinjaman peribadi atau overdraft. Apa yang dinyatakan termasuk maklumat jumlah baki, had, kelakuan pembayaran dan status undang-undang jika ada.

Kedua, akaun perhatian khas iaitu semua kemudahan kredit belum jelas yang masih dalam pengawasan rapi institusi kewangan.

Manakala, ketiga semua permohonan yang telah diluluskan kepada peminjam sepanjang 12 bulan lalu.

Setiap pinjaman diberikan skor dalam bentuk nombor untuk menunjukkan bilangan pembayaran terlepas. Sebagai contoh, 0 membawa maksud anda membuat pembayaran pada waktu yang ditetapkan dan 1 bermakna ada satu pembayaran terlepas untuk satu bulan.

Laporan CCRIS menunjukkan rekod pembayaran balik 12 bulan lepas sahaja, selepas itu data tertua dihapuskan.

Bagaimana untuk mengetahui rekod CCRIS tidak baik?

Penting untuk seseorang individu mengetahui status kredit diri sendiri sebelum membuat permohonan pinjaman. Laporan ini boleh didapati di BNM melalui kios yang disediakan dan anda boleh terus cetak dan dapatkan laporan CCRIS serta- merta dengan hanya menggunakan MyKad. Bagi sesiapa yang berjauhan, permohonan secara rasmi perlu dilakukan melalui borang yang disediakan di laman web BNM.

Berikut adalah petunjuk laporan kredit anda yang mungkin bermasalah untuk memohon pinjaman dari mana-mana bank.

1. Akaun di bawah status undang-undang (Tindakan undang-undang yang diambil) atau akaun perhatian khas.

2. Pembayaran yang lewat dari tarikh yang ditetapkan.

3. Penggunaan kad kredit yang tinggi menjadi petunjuk yang kurang baik.

4. Nisbah Khidmat Hutang (DSR) yang tinggi. Ini dilakukan dengan membandingkan jumlah pendapatan dan jumlah baki kredit / pinjaman.

5. Permohonan kredit atau pinjaman aktif yang berganda. Semakin banyak permohonan pinjaman yang dibuat semakin terdesak anda kelihatan di mata bank.

Terdapat tips untuk memperbaiki laporan CCRIS bagi meningkatkan peluang mendapat pinjaman.

Sekiranya anda mempunyai senarai penggunaan kredit yang tinggi, anda perlu jelaskan beberapa baris kredit anda sebelum mengemukakan permohonan pinjaman baru.

Anda perlu pastikan setiap pinjaman dibayar pada atau sebelum tarikh yang ditetapkan dan sekiranya tarikh pembayaran pinjaman sebelum anda menerima gaji, anda boleh cuba untuk minta bank untuk melambatkan kitaran bil, iaitu selepas anda menerima gaji.

Jika anda telah dikenal pasti mempunyai rekod pembayaran lewat, tunggu 12 bulan dari tarikh anda dikenal pasti lewat sebelum mengemukakan permohonan pinjaman.

Sekiranya anda ingin membuat pinjaman baru, hadkan jumlah permohonan pinjaman. Terlalu banyak permohonan pinjaman sebenarnya mengurangkan peluang anda untuk mendapatkan pinjaman.

Walaupun anda tidak bercadang untuk membuat permohonan pinjaman, saya sarankan anda untuk mengetahui status kredit dengan membuat semakan laporan CCRIS sekurang-kurangnya setiap 12 bulan, kerana laporan ini boleh bertindak sebagai rekod peribadi, untuk mengetahui berapa banyak sebenarnya jumlah kredit anda, berapa baki keseluruhan hutang dan juga rekod bulanan yang mungkin anda pernah tertunggak.

Bagi sesiapa yang pernah menjadi penjamin kepada pinjaman, laporan kredit bulanan juga dicatatkan dalam kredit CCRIS. Jika orang yang anda jamin itu tidak bayar pinjaman dengan tepat pada masanya, ianya sudah merosakkan laporan CCRIS anda.

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Kumpulan Kata kata Bijak Penuh Inspirasi Terbaru 2014

Kata kata Bijak - Pada dasarnya, kata bijak adalah kata yang dianggap dapat memotivasi keadaan seseorang yang tengah terpuruk. Disebut kata bijak karena bijak sendiri berkenaan dengan kemampuan untuk mengenali baik atau tidaknya sebuah pilihan. Kata kata Bijak sepintas mirip dengan Kata Mutiara, perbedaannya adalah kita dapat menmukan berbagai macam hal dalam kata mutiara tetapi sebagian besar kata bijak mengandung nasihat dan saran-saran.

Kata bijak biasanya berasal dari public-speech tokoh-tokoh terkemuka, yang kemudian dipublikasikan secara terpisah. Kata Bijak juga saat ini banyak dipublikasikan di dunia maya, karena nyatanya memang para peminat kata-kata bijak semakin membludak. Fenomena yang terjadi akhir-akhir ini adalah penyertaan kata-kata bijak ciptaan sendiri ke dalam blog ataupun website pribadi, sehingga hal tersebut semakin memperkaya eksistensi kata-kata bijak di dunia maya. Dibawah ini adalh beberapa kata-kata bijak yang berasal dari tokoh terkemuka maupun penulis amatir, semoga bermanfaat :

Ketika seseorang berusaha menjauhi hidupmu, biarkanlah. Kepergian dia hanya membuka pintu bagi seseorang yang lebih baik tuk masuk.

Kadang masalah adalah sahabat terbaikmu. Mereka buatmu jadi lebih kuat, dan buatmu menempatkan Tuhan di sisimu yang paling dekat. 

Jangan yakinkan diri bahwa dia menyukaimu, hanya karena dia bersikap manis padamu. Kadang kamu hanya sebuah pilihan ketika dia bosan.

Jangan pernah meremehkan diri sendiri. Jika kamu tak bahagia dengan hidupmu, perbaiki apa yang salah, dan teruslah melangkah.

Jangan membenci mereka yang mengatakan hal buruk tuk menjatuhkanmu, karena merekalah yang buatmu semakin kuat setiap hari.

Terkadang, kamu berpikir seseorang telah berubah tanpa kamu menyadari hal itu terjadi karena dia mulai bersikap dewasa.

Sesuatu yang menyenangkan bagaimana seseorang mampu membuatmu tersenyum, hanya dengan memikirkan dirinya. Happy

Jadi dirimu sendiri agar ketika seseorang mencintai, kamu tak perlu takut jika dia akan temukan dirimu bukan orang yang ingin dia cintai.

Perasaan yang paling berbahaya adalah iri, karena iri hati melahirkan kebencian dan kebencian akan membunuhmu perlahan.

Tak peduli seperti apa hidupmu, kamu selalu punya pilihan untuk melihat dari sisi baiknya atau sisi buruknya.

Hanya karena seseorang terlihat kuat di hadapanmu, tak berarti dia bisa begitu kuat ketika tanpamu.

Jangan selalu katakan "masih ada waktu" atau "nanti saja". Lakukan segera, gunakan waktumu dengan bijak.

Hidup terlalu singkat jika hanya menyesal. Hidup hanya sekali, namun jika digunakan dengan baik, sekali saja cukup!

Hidup ini bukan hanya mencari yang terbaik, namun lebih kepada menerima kenyataan bahwa kamu adalah kamu. Jadi dirimu sendiri.

Orang yang bijak adalah yang tahu siapa yang harus dia percaya. Orang yang lebih bijak adalah dia yang selalu bisa dipercaya.

Sadarilah, mengeluh tidak menyelesaikan apapun. Mengeluh hanya akan menambah beban dihati. Berhentilah mengeluh, segera bertindak!

Jangan jadikan kegagalan kemarin sebagai penghambat hari ini. Semangat untuk membuat hari esok lebih baik, melalui hari ini.

Perbuatan adalah cerminan isi hati. Jika hati dipenuhi kebaikan, maka sikap dan tindakan akan baik, pun sebaliknya.Orang yang malas telah membuang kesempatan yang diberikan Tuhan, padahal Tuhan tidak pernah menciptakan sesuatu dengan sia-sia.

Jangan nilai orang dari masa lalunya karena kita semua sudah tidak hidup di sana. Semua orang bisa berubah, biarkan mereka membuktikannya.Jadikan kepandaian sebagai kebahagiaan bersama, sehingga mampu meningkatkan rasa ikhlas tuk bersyukur atas kesuksesan.

Kadang kamu harus buat keputusan tuk mengalah, atau kamu akan kehilangan dia yang kamu cinta hanya karena kamu keras kepala.Dalam cinta, ketika ada yang berbeda, jangan mencari siapa yang salah, karena kamu dan dia adalah tim yang sama dengan tujuan yang sama.

Orang yang bisa mengendalikan emosinya adalah pemenang hidup sejati.Jika bertanya, jangan mendiktekan jawabannya, agar informasi baru bisa bertamu.

Sebenarnya tantangannya bukan me-manage waktu tapi me-manage diri kita sendiri.Anda mengetahui apa yang sharusnya tidak dilakukan ketika Anda "gagal". Jadi Anda menciptakan pengetahuan baru dan itu bukan kegagalan.

Lebih mudah melakukan sesuatu dengan benar daripada menjelaskan mengapa Anda tidak melakukannya dengan benar.Seringkali kamu ragu untuk mengucapkan apa yang ada dihatimu karena kamu tidak yakin dia akan mendengarkanmu.

Yang penting itu bukan apa yang kita ketahui tapi apa yang kita bersedia pelajari.Jgn menyerang orang karena iri ; dengki agar relasi dan rejeki terus bersemi dalam hidup ini.

Pria, Jika wanita marah, ajaklah dia berbelanja atau ke salon. Niscaya amarahnya langsung hilang.Meski disakiti berkali-kali, wanita bijak tetap bisa memafkan dan semakin tegar seperti batu karang.

Makanan enak yang ditawarkan ke pria yang sedang marah, akan memedam amarahnya.Menangis mungkin bukan solusi tapi terkadang dapat menjadi obat penenang.

Wanita bijak seperti angsa diatas air. Anggun namun tetap bekerja. Tetap tegar meski terluka.Jangan pikirkan kegagalan kemarin, hari ini sudah lain, sukses pasti diraih selama semangat masih menyengat.

Marilah kita membaikkan diri, sebelum menyesal pun tidak ada gunanya.Wahai Yang Maha Lembut,manjakanlah hatiku yang sendiri ini, bahagiakanlah aku dalam pernikahan yang penuh cinta, yang mesra, yang setia.

Wahai Yang Maha Cinta, sandingkanlah aku dengan jiwa pilihan-Mu, yang karena kebaikanku - baikkanlah ia, tapi jika ia lebih baik - baikkanlah aku.Bukan kemiskinan yang merendahkan, tapi hati yang menistai kebaikannya sendiri.

21 Cara Meningkatkan Motivasi Diri

Artikel motivasi ini memaparkan 21 cara berkesan untuk meningkatkan motivasi atau memotivasikan diri anda terutamanya tatkala perasaan lemah, tidak bermaya, atau putus asa melanda diri anda!

Berikut ini adalah 21 cara!

1. Kenal pasti apakah yang menyebabkan anda kehilangan semangat atau motivasi dan fikirkan langkah terdekat yang anda patut lakukan untuk mengembalikan atau meningkatkan motivasi diri anda.
2. Baca buku motivasi terutamanya biografi orang-orang yang berjaya.
3. Berdoa dan memohon kekuatan dan hidayah daripada Allah.
4. Mendengar lagu-lagu yang dapat memberi semangat dan inspirasi kepada anda.
5. Mencipta satu ritual – misalnya “Jika orang lain boleh, saya pun boleh.”
6. Tidur sehingga anda benar-benar sihat dan segar semula. Kurang tidur boleh menyebabkan kelesuan dan kebosanan.
7. Bersenam atau melakukan aktiviti-akitiviti fizikal sekurang-kurangnya 3 kali seminggu supaya badan dan minda sentiasa sihat cergas dan cerdas.
8. Bertekad untuk menyiapkan semua kerja anda yang tertunggak / menyelesaikan masalah yang anda hadapi dengan penuh kesungguhan sehingga selesai!
9. Membuat atau mengkaji semula perancangan kerja atau hidup anda.
10. Menghadiri seminar motivasi.
11. Mendirikan sembahyang / solat khusus khusus untuk mendapat taufik, keampunan dan petunjuk dari Allah S.W.T.
12. Bermain musik kegemaran anda sekiranya anda pandai bermain alat musik - mana tahu dapat pula mencipta suatu musik atau lagu yang hebat!
13. Menatap gambar-gambar yang dapat memberi inspirasi dan semangat baru kepada anda.
14. Meditasi.
15. Menyusunatur pejabat / rumah / fail, kemas rumah dsb. - pejabat / rumah yang kemas mengarah kepada pemikiran yang cerdas, teratur, tenang dan produktif.
16. Berjumpa dengan kaunselor untuk mendapat khidmat nasihat.
17. Berjumpa dengan kawan-kawan yang positif untuk mendapat pandangan, nasihat serta motivasi.
18. Keluar makan dengan ahli-ahli keluarga atau dengan kawan-kawan rapat lagi positif.
19. Beriadah - bersiar-siar bersama ahli keluarga - tempat yang baik untuk melakukan ini ialah bersiar-siar di Mall yang besar dengan berjalan agak laju sedikit atau sekali-sekala ke pantai yang indah lagi nyaman.
20. Mengadakan kenduri doa selamat atau berjumpa dengan ibu-bapa jika masih ada.
21. Melancong di dalam atau ke luar negara dengan tujuan mendapat semangat atau idea-idea baru.

Pilihlah mana-mana satu yang sesuai bila-bila masa anda memerlukan suntikan motivasi. Insya-Allah, semangat, motivasi dan kecergasan diri anda akan kembali kuat.


"Orang yang berjaya dalam hidup adalah orang yang nampak tujuannya dengan jelas dan menjurus kepadanya tanpa menyimpang." - Cecil B. DeMille


sumber
http://www.ugmc.bizland.com/ak-memotivasidiri.html

10 Ways to Become a Better Leader

How would you describe a strong leader? In one leadership study, qualities such as assertiveness, adaptability, intelligence and conscientiousness were cited as the most important. "Research clearly shows that transformational leaders - leaders who are positive, inspiring, and who empower and develop followers - are better leaders," explains psychologist and leadership expert Ronald E. Riggio. "They are more valued by followers and have higher performing teams."

So what can you do embrace these characteristics and become a better leader? Transformational leaders are usually described as enthusiastic, passionate, genuine and energetic. These leaders are not just concerned about helping the group achieve its goals; they also care about helping each member of the group reach his or her full potential.

Consider some of the following tips for how to become a better leader and think about ways that you can implement these strategies in your daily life.

1. Learn More About Your Leadership Style

Understanding your current leadership style is essential. What are your strengths? Which areas need some improvement? One way to start assessing your skills is to take this leadership style quiz to get a general idea of how you lead. Once you have completed the quiz, read about the major characteristics of your dominant style. Are these qualities helping or hindering your leadership? Once you've determine which areas need some work, you can begin looking for ways to improve your leadership abilities.

2. Encourage Creativity

Intellectual stimulation is one of the hallmarks of transformational leadership. Followers need to be encouraged to express their creativity. Effective leaders should offer new challenges with ample support to achieve these goals. One way to foster creativity is to offer challenges to group members, making sure that the goals are within the grasp of their abilities. The purpose of this type of exercise is to get people to stretch their limits, but to not become discouraged by barriers to success.

3. Serve As a Role Model

Idealized influence is another of the four key components of transformational leadership. Transformational leaders exemplify the behaviors and characteristics that they encourage in their followers. They walk the walk and talk the talk. As a result, group members admire these leaders and work to emulate these behaviors. If you want to become a better leader, work on modeling the qualities that you would like to see in your team members.

4. Be Passionate

Would you look to someone for guidance and leadership if they did not truly care about the goals of the group? Of course not! Great leaders are not just focused on getting group members to finish tasks; they have a genuine passion and enthusiasm for the projects they work on. Start by thinking of different ways that you can express your zeal. Let people know that you care about their progress. When one person shares something with the rest of the group, be sure to tell them how much you appreciate such contributions.

5. Listen and Communicate Effectively

Another important characteristic of transformational leadership involves a focus on providing one-on-one communication with group members. Good leaders should express sincere care and concern for the members of their group both verbally and nonverbally. By keeping the lines of communication open, these leaders can ensure that group members feel able to make contributions and receive recognition for their achievements.

6. Have a Positive Attitude

Transformational leaders have an upbeat, optimistic attitude that serves as a source of inspiration for followers. If leaders seem discouraged or apathetic, members of the group are likely to also become uninspired. Even when things look bleak and your followers start to feel disheartened, try to stay positive. This does not mean viewing things through rose-colored glasses. It simply means maintaining a sense of optimism and hope in the face of challenges.

7. Encourage People to Make Contributions

Let the members of your team know that you welcome their ideas. Leaders who encourage involvement from group members are often referred to as democratic or participative leaders. While they retain the final say over all decisions, they encourage team members to take an active role in coming up with ideas and plans. Research has shown that using a democratic leadership style leads to greater commitment, more creative problem-solving and improved productivity.

8. Motivate Your Followers

Transformational leaders also provide inspirational motivation to encourage their followers to get into action. Of course, being inspirational isn't always easy. Fortunately, you don't need motivational speeches to rouse your group members. Some ideas for leadership inspiration include being genuinely passionate about ideas or goals, helping followers feel included in the process and offering recognition, praise and rewards for people's accomplishments.

9. Offer Rewards and Recognition

A good leader knows that offering effective recognition and rewards is one of the best ways to help followers feel appreciated and happy. It may also come as no surprise that happy people tend to perform better at work. According to researchers Teresa Amabile and Steven Kramer, leaders can help group members feel happier by offering help, removing barriers to success and rewarding strong efforts.

Susan M. Heathfield, About.com's Guide to Human Resources, offers some great tips on how leaders can express recognition and reward team members. Some of these strategies include listening without distraction, putting your praise in writing and publicly thanking people for their efforts.

10. Keep Trying New Things

Who says leadership is a one-way relationship? As you work toward honing your leadership skills, don't forget to look to your followers for feedback an inspiration. Pay attention to the things that have been effective in the past and always be on the lookout for new ways to inspire, motivate and reward group members.

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How To Learn From Your Mistakes

One of the best ways to relieve stress is to learn from your mistakes. Unfortunately, it’s difficult to find the balance between seeing too many things as someone else’s fault and seeing too many things as your fault. And in both cases, rumination can take root and cause too much stress. But how can you learn from your mistakes if you don’t realize when you’ve made one?

There’s no easy answer on how to learn from your mistakes that will work every time, though chapters have been written about it in classic books like The Road Less Traveled, and opportunities to address the topic have been missed in others, like The Four Agreements. However, there are some strategies you can use to learn from your mistakes that will work in various situations most of the time. When you’re trying to learn from your mistakes, consider the following:

Reframe Your Mistakes

First, use reframing to stop thinking of your mistakes as failures. They can be more accurately described as opportunities for learning—people generally learn more from mistakes than they learn from successes. With each mistake, you can learn valuable information that can be used for future success.

Be Forgiving

Next, maintain perspective and don’t take mistakes too seriously. Blaming others for our mistakes can be a defense mechanism for those who are harsh with ourselves when we mess up—we stay in denial because we can’t take our own harsh self-condemnation. Be forgiving. Just changing your outlook on this can make it less threatening to recognize when you’re responsible or partially responsible for things going other than you’d planned. And that makes you more able to learn from your mistakes.

See What You Can Change

Rather than thinking of who is more responsible for a situation—you or another person—look at the situation as a whole in terms of what you can change. If you view taking responsibility through the lens of personal control—what can you change next time, what do you have control over?—makes it an empowering experience to learn from your mistakes.

Look Beyond

Look at other sides of the same situation. How do different people in the situation feel. How might things have gone differently if you’d made different choices? Look at the situation in different ways. Play with it. And see what you can learn for next time.

Ask Questions

Ask for impartial opinions. Have a few trusted friends who will tell you the truth, and who can see things from both sides, and ask them what they see. Sometimes we’re too close to a situation to make sense of it at first, but an observer who isn’t so emotionally attached, and who can deliver their opinion with love and tact, is what we need to help us learn from our mistakes.

Pat Yourself On The Back

Congratulate yourself for whatever growth you’ve gained from dealing with each difficult situation you encounter and each mistake you make. Remember that these things add value to life as much as the more pleasant experiences we all value. And be glad that you always have the opportunity to learn from your mistakes in one way or another.

How To Be Successful In Life: 13 Tips From The World’s Most Successful People

No matter how old you are, where you’re from or what you do for a living, we all share something in common—a desire to be successful. Each person’s definition of success is different, however, as some may define success as being a loving and faithful spouse or a caring and responsible parent, while most people would equate success with wealth, fame, and power.

We all want to achieve success so we could live a comfortable life—have financial freedom, drive a nice car, and live in a beautiful house. However, although success can be achieved, it does not come easy.

There are a lot of tips and strategies out there on how to be successful in life, but I am still a firm believer that there is no better way to succeed than to follow that footsteps of those who have already done so. Here are 13 success tips from some of the world’s most successful and renowned people:

1.Think big.

From Michelangelo Buonarroti, Great Renaissance Artist: “The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark.”


2.Find what you love to do and do it.

From Oprah Winfrey, Media Mogul: “You know you are on the road to success if you would do your job and not be paid for it.”


3. Learn how to balance life.

From Phil Knight, CEO of Nike Inc.: “There is an immutable conflict at work in life and in business, a constant battle between peace and chaos. Neither can be mastered, but both can be influenced. How you go about that is the key to success.”


4. Do not be afraid of failure.

From Henry Ford, Founder of Ford Motors: “Failure is simply the opportunity to begin again, this time more intelligently.”

5. Have an unwavering resolution to succeed.

From Colonel Sanders, Founder of KFC: “I made a resolve then that I was going to amount to something if I could. And no hours, nor amount of labor, nor amount of money would deter me from giving the best that there was in me. And I have done that ever since, and I win by it. I know.”

6. Be a man of action.

From Leonardo da Vinci, Renaissance Genius :“It had long since come to my attention that people of accomplishment rarely sat back and let things happen to them. They went out and happened to things.” 

7. Avoid conflicts.

From Theodore Roosevelt, 26th President of America: “The most important single ingredient in the formula of success is knowing how to get along with people.”

8. Don’t be afraid of introducing new ideas.

From Mark Twain, Famed Author: “A person with a new idea is a crank until the idea succeeds.” 

9. Believe in your capacity to succeed.

From Walter Disney, Founder of Walt Disney Company: “If you can dream it, you can do it.”


10. Always maintain a positive mental attitude.

From Thomas Jefferson, 3rd President of America: “Nothing can stop the man with the right mental attitude from achieving his goal; nothing on earth can help the man with the wrong mental attitude.”


11. Don’t let discouragement stop you from pressing on.

From Abraham Lincoln, 16th President of America: “Let no feeling of discouragement prey upon you, and in the end you are sure to succeed.”


12. Be willing to work hard.

From JC Penny, Founder of JC Penney Inc.: “Unless you are willing to drench yourself in your work beyond the capacity of the average man, you are just not cut out for positions at the top.”

13. Be brave enough to follow your intuition.

From Steve Jobs, Co-founder of Apple Inc.: “Have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.”

Featured photo credit: Portrait of smart young business executive via Shutterstock

What Is Success?

If you believe success is simply making (or having) a lot of money, you may be setting yourself up for failure.

 

I'm often amazed at how many people define success as making (or having) a lot of money.

It's very strange, because many of the people who think this way are harried, stressed and, frankly, pretty miserable. 

 

The way I see it, everybody's definition of success can be mapped on a simple grid, with one axis being the amount of money that you have and the other being the amount of happiness in your life, like so:

The way a lot of people think, success should be defined as follows:

To my mind, however, a much more sensible definition of success is:

There are two reasons why this definition is better. First, there's no point to being rich if you're not enjoying yourself. Second, you're more likely to get rich if you're happy doing whatever you're doing.

Being unhappy, of course, can definitely spur people to action. However, the action should be pointed at trying to become happier–not trying to become richer, in the rather naive belief that being rich, in and of itself, will make you happy.

Needless to say, if you're struggling to put food in your mouth and keep a roof over your head, none of this applies. When you're just trying to survive, you're not thinking about happiness.

Even so, I'd rather be poor and happy than rich and miserable.
Real Way to Get Rich

Of course, all things considered, I'd prefer to be rich and happy rather than poor and happy. However, I believe that it's easier to get rich if you start from a place of being happy–with what you're doing and why you're doing it.

For example, I spent six years as a marketing executive, making big money with lots of perks. (And when I say perks, I mean perks like two weeks in Munich and Paris doing "market research.")

However, while I was successful by most people's standards, I wasn't particularly happy–because there was always a voice inside me saying that I was born to be a writer, not a marketing parasite.

When I made the leap to writing full time, my income dropped to almost nothing. Even so, I was far happier doing what I knew I was supposed to be doing rather than pursuing a career that to many people would define "success."

But here's the thing. I now make more money than I made back then (even adjusted for inflation), and I work about half the hours. I'm 100% convinced that this is because I defined success as being happy rather than being rich.

I've noticed this pattern with almost every really successful person I've met. I can't think of a single person who's pursued a career purely because it's lucrative and who's happy as a result. They may be rich, but they're losers.

How about you?