Showing posts from July, 2023

One of the open secrets to achieve your goal

When we talk about personal development, people often focus on instant gratification. They talk about motivation (which charges you up to take action and create results), mindfulness (a new term in a new world now), setting goals (not yearly goals, but short-term goals), managing time (because so many things pile up and everything becomes urgent and important), stress management (do I need to say more about this?), communication skills, and so on. Consistency and self-discipline are two keywords that have stuck in my mind. Today, I want to share more about these two words. Consistency Consistency is the state of being consistent, which means being constant or unchanging. It is the quality of being firm and regular in opinion, behaviour, or performance. It is also the state of being free from contradiction or variation. Consistency is often seen as a virtue, as it can be seen as a sign of reliability and trustworthiness. It can also be seen as a sign of strength and character. Consisten

Income Tax is Your Friend or Foe?

Today, I will be discussing a topic that is relevant to individuals who earn income, specifically income tax in Malaysia. This article will focus on individuals who have only one source of income, specifically from a salary or similar fixed income received every month or week. If you have multiple sources of income, it can be quite complicated and would require consulting a tax expert or attending courses to understand the details better, especially for business owners, entrepreneurs, and those with various income streams like rental and partnerships. Therefore, I will share my knowledge based on over 20 years in the financial industry and how I personally optimize my taxes. Let us begin with the fundamentals. Should we pay tax? Firstly, let's address why we need to pay income tax. It's simple; if you are a citizen of Malaysia and living in the country, you are obligated to pay taxes. Different countries have different tax systems, and Malaysia is no exception. Paying taxes hel

A Smarter Way to Decide When to Let Go and When to Continue

What happens? Have you ever been stuck in a situation where you're unsure whether to continue or give up? When you find yourself making no progress or achieving any results, what should you do? You might feel like you're lacking something, but you're not quite sure what it is. You read self-help books, delve into personal development, and seek motivation to keep going on your journey. Yet, somehow, you still find yourself stuck. Life is a rollercoaster of ups and downs (or as I like to say, mostly downs with a few ups). The key is to remember to get up every time you fall. Today, I want to share a simple analogy that I often use in Training Need Analysis, which can also be applied to personal development. While I'm not the original creator of this concept, I'd love to share how I utilize it in my chart. When you're feeling stuck, lost, or aimless, whatever term you prefer, try this self-check to gain clarity. Quadrant 1: Low ability and low passion If you find y