15 Ways to Boost Mental Energy Levels

1. Be Grateful
Remind yourself of the things you are grateful or thankful for in your life. Gratitude will make you think more positively and give you more mental energy. If you’re not having fun at work, be grateful that you have work and are earning a salary. If you’re having challenges in any aspect of your life, understand that challenges make you stronger, and be grateful that you don’t have a boring life.

Being grateful reminds you of what’s important. For example, you might be upset about being stuck in traffic. Being grateful for your family will remind you of the traffic’s relative insignificance.

Action item: Write down 5 things you are grateful for in your life.

2. Practice Negative Visualization
Negative visualization originated in a philosophy called Stoicism. Stoics periodically contemplate,but don’t worry about, “worst-case scenarios.”

Negative visualization is practiced to lessen the impact if these scenarios do come true. In addition, it’s intended to reduce insatiability and force you to appreciate what you do have.

Most of us spend our idle time thinking about the things we want but don’t have. We would be much better off, Stoics believe, to spend this time thinking of all the things we have and reflecting on how much we would miss them if they were not ours.

3. Surround Yourself With Great People
Humans are naturally social people. Building relationships makes us happy and gives us energy. Spend time with people who think positively, and have a lot of energy, and talk in a positive tone. It will make think more positively and give you energy.

Action items: Who in your life is overly negative? Should you be spending as much time with them as you do? What kinds of people would you like to spend more time with? Create a game plan for meeting or spending time with these people.

4. Think Positively
Thinking positive thoughts will make you feel more positive. Feeling more positive and optimistic will boost mental energy.

If you’re feeling sluggish or slightly depressed, forcing yourself to think positively is a great way to start reversing negative momentum. Momentum has a profound effect on our energy levels. Energy builds on itself. If your mental energy levels are declining, gets harder and harder to start improving them. If your mental energy levels are improving, it gets easier and easier to keep building it.

Focus on the positive in any situation. Take advantage of opportunities present as they present themselves. Instead of thinking about what could go wrong, think about what could go right, or go better than expected.

5. Declutter Your Mind
Most people are very busy and have a ton of different things on their mind. We receive information such as emails at a faster pace than ever before. Declutter your mind by delegating, setting reminders, taking notes, and keeping a calendar.

To avoid making mistakes, and to declutter your mind, keep as much as you can outside of your brain. For example, if you set a meeting with someone, put it in your calendar so you no longer have to remember it. Keep a to-do list. It will be enable you to be more present and conscious of what you’re doing in a given moment. Delegate what someone else can do for you.

6. Go Outside
Exposing your skin and eyes to sunlight will give you Vitamin D, which can boost energy.

In addition, our minds and bodies are used to being awake during the daytime and we naturally have more energy during the daytime. Getting exposure to sunlight reminds our body that it’s daytime and that we should have more energy.

Action item: if you’re feeling tired while at the work, take a short break outside in the sun.

7. Have Fun!
Don’t forget to allocate time to friends and family, hobbies, etc. These activities provide excitement and keep you motivated. It seems counter intuitive, however taking a break from work can actually help you get more work done. Having fun stimulates your brain in a way that improves energy levels.

Action item: Set times out of your week for hobbies or activities you find fun.

8. Stimulate your Mind
Keep your mind stimulated but not overworked. Mental challenge will give you energy, but too much may leave you fatigued. Without enough challenge you may become bored and lethargic. Try learning a new skill to stimulate your mind.

Action item: Make sure your experience some challenge throughout your daily life.

9. Meditate
Many people find meditation to be a great way to boost mental energy.  A basic definition of meditation is simply being conscious of mind and breath. While meditating, the goal is to not think about future or past. It’s to be present. I think of meditation as a time to let my thoughts flow freely and to take notice of my emotions, thoughts, and body.

Action item: Look for a meditation class.

10. Try New Things
If you stick too close to the same routine, your brain can go into “auto-pilot.” You become un-stimulated and don’t have to think as much. As discussed above, mental stimulation is essential for energy.

Try breaking your routine. Learn something new. Go on a spontaneous adventure to give yourself a fresh perspective. Try taking a different route to work. Go into a bookstore and pick out a random book from a genre you don’t normally read.

Action item: Choose an activity that you do consistently and adjust it in some way.

11. Practice Minimalism
Learn to say “no” and eliminate excess in your life. Throw away what you don’t need. When you have fewer items in your life, there is more space for things you want.

12. Focus on What’s in your Control
Stoics believe in focusing on what’s in our control, and not what’s our of our control. Wanting or hoping for things that are not in our control will disrupt our tranquility. Worrying about or hoping for something that we don’t have an impact on can cause anxiety.

Action item: List what you’re currently worrying about or hoping for and differentiate what is in your control from what is not.

13. Do What You’re Passion About
Taking part in activities, professionally and personally, that you’re passionate about leads to more happiness. Spending time on activities that you don’t enjoy can be exhausting.

Action item: What do you love doing? How can you arrange your career or lifestyle so you can do more of it?

14. Take Responsibility for Your Emotions
Emotions have a strong effect on your energy levels. If you are feeling sad or embarrassed, you will have less energy. If you are feeling proud or confident, you will have more energy.

By taking responsibility for your emotions, you will become less dependent on external validation or circumstances to influence energy levels. When you are responsible for your own emotions, your energy levels will always be high.

15. Be Present
Thinking negatively about the past can cause anxiety. Thinking about the future can give you anxiety. Be in the present moment. Accept the situation you’re in and take the best action you can. Wishing you were in a different situation, or wishing you had done something differently in the past will only cause anxiety. The past is out of our control.

source : lifehack , http://www.lifehack.org/articles/productivity/15-ways-boost-mental-energy-levels.html?ref=fbp&n=1

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農行2千萬貸款供年輕企業家申請

農業及農基工業部長拿督斯里依斯邁沙比利宣佈，農業銀行從即日起正式與該部合作以為年輕農業企業家提供總值2千萬令吉的貸款，以協助年齡介於18歲至40歲的年輕農業企業家開創農業事業。
他今日在新聞發佈會上表示，欲申請這項貸款的年輕農業企業家，需事先向農業部旗下的年輕企業家單位（UAM）註冊，以作審核及匯款的用途。
“這項貸款的申請者並不需任何抵押及擔保人。”
他透露，這項撥款共分兩個部份，即開發新農業企業計劃的撥款及現有農業企業計劃的撥款。
“開發新農業企業計劃最高貸款額為5萬令吉；而欲發展現有計劃的企業家，最高貸款額為30萬令吉。”
他說，申請者的償還期不得超過7年或84個月，貸款利率為平均每年3%。
“申請者必須根據我們所提供的指定課程來申請，除農業知識，課程也傳授金融及行政管理、市場等學問。”
他也說，欲知更多詳情，年輕農業企業家可撥打年輕企業家單位的熱線，03-27311600、瀏覽http://www.agrobank.com.my或前往臨近的農業銀行各大分行。

source:（星洲網）http://news.sinchew.com.my/node/345830

人力局總監：勞工法令修正‧聘外勞14天內呈報

大馬半島人力局總監傑菲里指出，根據在2011年修正後的1955年勞工法令，所有聘請外籍勞工的僱主受到強制須在14天之內向人力局呈報。

他指出，任何雇主若違反上述條規，可被罰款不超過1萬令吉。

他說，已經停止服務的外籍勞工，不論是因為被雇主解僱或自己辭職、工作准證到期或被遣送回國，雇主都必須在30天內向該局呈報。

他今日發表文告指出，上述兩項指示，都是1955年勞工法令第60K條文的規定。

他說，根據1955年勞工法令第57A和57B條文，雇主在聘請外籍女傭後30天內，須向人力局呈報。同樣地，有關女傭停止服務後，雇主也必須在30天內呈報。

“1955年勞工法令第33A條文也強制所有勞工代理在引進或供應勞工的14天前必須向當局登記，並保存有關外勞的資料，以便供人力局官員檢查。”

他說，相關表格可在人力局的網頁（jtksm.mohr.gov.my）下載。雇主若針對上述條規有任何疑問，可致電大馬半島人力局詢問，電話03-88865192。

Source :星洲日報 , http://news.sinchew.com.my/node/343287?tid=1

越沒錢越要投資vs沒剩錢如何投資

署名“投資新手”的讀者來信提出有關投資的問題，他說，有些人認為，沒有剩餘的錢如何投資，也有人說，越沒有錢、越要投資，到底該聽哪一方比較好？

他今年28歲，工作至今只有3年，目前基薪只是2千500令吉，加上一些津貼，扣除公積金、社險等，每月薪金凈值大約2千500令吉，每年有相等於兩個月薪金的花紅。

另外，每月的開銷包括房租、伙食、交通、電話加上網費、父母零用錢、保險費、大學貸款分期，用掉2千令吉，剩下大約500令吉，目前有儲蓄1萬5千令吉，其中一部份儲蓄是每年的花紅盈餘，公積金儲蓄並不多，大約是1萬令吉。

除了購買投資聯結保險，“投資新手”說沒有其他投資，想要增加多一些儲蓄，以便日後可以買車、或是購買房屋；可是，只靠每月的儲蓄，似乎沒有其他的來源，希望理財師提供一些這方面的建議供參考。

答：Gain Wealth財務規劃公司首席理財師李文暢說，談到投資，許多人都會說，沒有錢如何投資。在現實生活中，許多人安份守己，雖然工作薪水不高，需要負擔家人的生活，到了退休階段，孩子完成高等教育，自己也可以退下職場，過著財務自由的退休生活。

在這裡，我們摘錄美國著名財務顧問凱論朗瑟，對沒錢或不夠錢的投資者提供的一些建議，以便按自己的規劃達成財務目標。

建議1：掌握金錢流向

每月都要記錄每日的現金支出與收入，例如三餐、交通、休閒、飲料、其他消費等等，多數的人在記錄後，發現他們低估了某項費用的實際支出，詳細寫下自己的開支，雖然是一項瑣碎的事務，但是在界定自己花錢的方法後，可能會有很大的收穫。

建議2：設定目標

最好是能將自己想要實現的目標寫下來，除了教育基金、退休金、償還信用卡及其他費用的債務是需要達成的傳統目標，可能還要問問自己：“怎樣的夢想才能充實我的生命？”

建議3：目標排序

由於資源有限，必須確定哪個目標是你想要率先達成，例如開始投資和存款的目標，以便儲蓄購屋、年度旅遊、修讀碩士課程基金等等。

另外，中長期目標包括孩子的教育基金、可能換房屋、退休規劃等等。（這些舉例只供參考、實際情況將因人而異）

建議4：計算目標所需費用

對許多人來說，達成目標的障礙，往往是金錢的問題，主要是擔心負擔不起，不敢擁有夢想，若是你能真正算出實現夢想所需的代價，可能會有意外的驚喜！

建議5：調整花錢方式

這個步驟可以改變你的生活及支出方式，然後自行決定如何改變花錢的方法，以達成預定目標。

你可以將每月的支出分為3大類：

一：固定支出

這是每月必須支付的開銷，例如保險費、大學貸款分期、電話費、房租，假如日後購買房屋和汽車，房屋貸款與汽車貸款分期，也屬於固定支出，這些是無論你設定的是哪些目標，都不能避免的支出。

二：節制支出

這一項是你必須要花的錢，但金額是可以控制的，例如購買食物，可以購買必須經濟實惠的飯菜，避免購買昂貴的飲料等等。

三：完全節制支出

這些是你可以完全節制的支出，以便省下不少錢的奢侈品，例如禮物、衣服、嗜好、休閒、娛樂等開銷，這類支出是你決定目標後，可以完全刪減的項目。

美夢成真可以體驗到美好的滋味，當然，天下沒有白吃的午餐，在節省的過程中，可能要捨棄一些要求，以便累積一筆投資資金，進而豐富人生的旅程，開源節流可以更快速達成人生的目標。

由於“投資新手”目前現金不多，暫時不宜貿然行動，先累積多一些現金才探討投資計劃。

本期主答：Gain Wealth財務規劃公司首席顧問李文暢

source : sinchew daily , http://biz.sinchew.com.my/node/88086

高僧与少女的私生子

镇上有一个少女，有了身孕，父母问少女，孩子的父亲是谁。少女被逼无奈，说孩子父亲是附近庙里的一位高僧，孩子出世后，这家人抱着孩子找到了高僧。　高僧只说了一句“这样子啊！”便默默地接下孩子。此后，高僧每天抱着孩子挨家挨户讨奶喝。小镇里炸开了锅，说什么的都有。
高僧被人指指点点，甚至辱骂。
一年后，少女受不住内心的煎熬，承认孩子的父亲是另一个人，与高僧无关。少女及家人惭愧地找到高僧，看到高僧很憔悴，但孩子白白胖胖。少女满心愧疚。高僧淡淡地回了一句“是这样子啊！”便把小孩还给了少女。　
高僧被冤枉名声扫地，却始终不辩解，为什么呢？高僧说：“出家人视功名利禄为身外之物。被人误解于我毫无关系。我能解少女之困，能拯救一个小生命就是善事.　　
当我们被误解时，会花很多的时间去辩白。但没有用。没人会听,没人愿意听。人们按自己的所闻、理解做出判别，每个人其实都很固执。
他若理解你，一开始就会理解你，从始至终的理解你，而不是听你一次辩白而理解。与其努力而痛苦的试图扭转别人的判别，不如默默承受，给别人多一点时间和空间。省下辩解的功夫，去实现自身更久远的人生价值。
渡人如渡己。渡已，亦是渡人
我怕激情过后是陌生
我怕暧昧过后是冷漠
我怕努力过后是失败
我怕认真过后是痛苦
我怕挽留过后是回忆
我怕信任过后是利用
我怕做错过后是回忆
我怕梦见过后是不忘
我怕温柔过后是冷淡
我怕牵手过后是分手
我怕最后还是一无所有
我怕了那么多却发现该做的还是做了，
我怕了那么多却发现做了以后仍然不曾回头。
看不开，就背着。
放不下，就记着。
舍不得，就留着。
等有一天
背不动了，就看开了！
记不清了，就放下了！
留不住了，就舍得了！
所以说有些事情不要太计较，睁一只眼，闭一只眼，就会过去的。
珍惜眼前的人，做好眼前的事。一切都是美好的！
阴天，不一定会下雨。
分手，不一定最伤心。
憎恨，不一定会一辈子。
失望，不一定是绝望。
面对，不一定最难过。
孤独，不一定不快乐。
拥有，不一定要厮守。
沉默，不一定是冷漠。
失去，不一定不再拥有。
失败，不一定会放弃。
奇迹，不一定不出现。
凡事都要靠自己:
别哭穷，因为没人会给你钱；
别喊累，因为没人会帮你做；
别想哭，因为大家并不在乎；
别认输，因为没人希望你赢；
别靠人，因为只有自己最可靠；
别乞求，因为别人等着看笑话；
别落魄，因为一堆人在等着落井下石；
别回首，因为看到的是未修复的裂痕；
别离愁，因为只会才下眉头却上心头；
别低头，因为地上没有黄金只有石头；
别强求，因为硬摘的果实，没有甜头！
1.遇到爱你的人，学会感恩；遇到你爱的人，学会付出。
2.遇到你恨的人，学会原谅；遇到恨你的人，学会道歉。
3.遇到欣赏你的人，学会感激；遇到你欣赏的人，学会赞美。
4.遇到嫉妒你的人，学会低调；遇到你嫉妒的人，学会转化。
5.遇到不懂你的人，学会沟通；遇到你不懂的人，学会请教。
有个懂你的人，是最大的幸福这个人，不一定十全十美，但他能读懂你，能走进你的心灵深处，能看懂你心里的一切。最懂你的人，总是会一直的在你身边，默默守护你，不让你受一点点的委屈。真正爱你的人不会说许多爱你的话，却会做许多爱你的事。