10 things that might be wasting your time without your knowledge

How to manage time wasters effectively and efficiently | MyElearning

More often people realize that they did not manage to accomplish their goals. Majority of the people are fond of setting their plans annually. They are always driven by great vision when doing this. At this particular stage, a picture of them living in the desired future as planned is a great fulfillment. Some goals are always not achieved due to unavoidable circumstances which almost everyone understands depending with the nature of the circumstance. On the other hand, failure to concentrate and remaining determined towards achieving a goal may be also a better reason. Unknown to many, there are greatest time wasters that people always give chance hence facing great hindrance towards achievement of goals.

Common Time wasters

Perfectionism. It simply refers to the act of trying to always appear perfect or trying to make everything appear exact and correct. It’s quite crazy but you who is always trying to be perfect at everything needs to understand that even the five fingers of your hands are not equal and that’s why you are not likely to be 100% right always.Therefore, it is better to know that it is better to always try to make what you cannot do perfectly look better but not to waste time trying to be a perfectionist.

Complaints. After realizing that you have failed to achieve a goal, it is worth to accept and continue. However, this is not the case in many scenarios. Many a times people try to find excuses that enable them to complain. Trying to do this from time to time, not only limits you from exploiting your potential but also from achieving the right things at the right time.

Failing to prioritize. Having many goals outlined is not bad. As a matter of fact, it is the best thing ever one can be proud of since they act as the driver towards success. Even though having goals is the best thing ever, it is important to note that knowing how to prioritize them is always the most important. You cannot achieve everything planned at once. It is always better to move step by step. The order of importance, urgency and resources required are the great determinants towards deciding on priorities. Failure to plan well may therefore end up wasting your time and other valuable resources.

Waiting for inspirations.Getting inspired is the greatest thing ever.Infact most of the successful people always get their inspirations from either videos, books or someone they know. An inspiration without actions is futile. Therefore, trying to always get inspired without acting is a great waste of time.

Trying to please everyone. It is the worst thing one can ever do. Understanding that you lack the ability to make everyone happy is the greatest asset you can thank God for. Many have suffered depression in the past and currently just because they tried to please those who were not busy with them. To avoid wasting the greatest asset on earth-time, it is better to do things in your own way and appreciate your own self before others do it for you.

Fearing failure. Fear is the greatest devil and obstacle towards achieving great things. Fear is simply the thinking in the mind. By being fearsome, one becomes limited from trying new things thus limiting opportunities. Therefore is always better to take fear out of your life and concentrate on trying new things. Doing the opposite however only wastes time and allied resources.

Repeating  mistakes. A Swahili proverb, “Kosa si kosa, kurudia kosa ndio kosa”clearly demonstrate that a mistake done for the first time is not a mistake but repeating the same mistake is the worst thing to do. It is better to always learn from the first mistake done to avoid repeating such mistakes for the second time. Even though mistakes are inevitable and are like accidents in nature.One can always strive to avoid them. Failing to minimize mistakes has always been the hindrance towards achieving certain goals in time.

Spending time with people whom you do not share destiny with nor goals. Many are the times that people tend to share their goals with people who later turn out to be obstacles. Such people are characterized by being lazy and effortless at making things work out.

Concentrating on things that do not relate to your goals. Such things will fail to propel you towards achieving success. They will make you to walk in a parallel path with that of your goals. Such things may include learning skills that you have no interest in.Also forcing yourself into things you don’t understand is another case.

Spending too much time in bed. Millionaires for instance understand that poverty is made in bed and that’s the reason they rarely wake up late unless they are ill. Sleeping as if you are in the land of the dead will do you no good but waste your time and land you in the land of poverty.

It is therefore advisable to factor out the above highlighted factors from your path of success so as to be able to achieve your goals in time. There is nothing as painful as failing to achieve a goal you took your time to set. Regrets are not the best therefore try to always utilize your time adequtely since it is a very special resource that when used well brings wealth and when used badly it can bring poverty as well.

Recommended: Factors to consider before Purchasing a piece of land

A solid investment for a solid future is very essential. As a matter of fact, investing for the future is better than saving for the future. Cash in the bank can always be hit by inflation thus lowering its value bearing in mind that money loses its value with time. Solid investments can be in various forms depending on the nature. The common investment that most investors lay their hands on is land.Land by its market nature, is characterized by appreciation in price from the moment it’s acquired. Although acquiring land through purchase can be a better form of investment and sweet at the same time, it can also be sour and bitter on the other hand. Failing to consider some factors may make one regret investing in it.

Factors worth considering

Purpose-Purpose is the goal for buying the land. Taking time to figure out the purpose of the land is key. You may decide to buy the land for commercial purposes, Agricultural or even residential. With the subject of cost in mind, the purpose is a great determinant. Commercial plots are believed to be of high cost.

Prevailing restrictions-various zones have certain policies that must be adhered to. Some are marked “no trespass” and others “Not for sale”. As a buyer, you should not let ignorance sway you away from questioning the vital things because failing to do so might land you into a frying pan hence affecting you negatively in the long run.

Availability of Water. It is a natural resource but in certain places, that’s not the case. After purchasing a plot of land, one might be faced with serious scarcity of the said resource. Therefore to avoid regretting later as a buyer, you need to asses on the availability of this resource.

Access to Utilities.Being able to access some of the basic services such as health, banking and education is very key. When buying land, it is better to put into consideration such essentials. They act as the determinant to the cost as well. The nearer the services, the higher the cost of a plot and vice versa.

Climate. Putting climate into consideration  makes you understand weather you will be affected positively or negatively. Climate in some areas are suitable for agricultural purposes while others are not. The climate in other areas may also make you-the buyer to be affected by cold related diseases e.g. asthma. Therefore it is important to always remember this as a critical factor before making any purchase.

Additional costs involved. It is always better to know the hidden costs involved in any transaction. This becomes an enabler on how to plan well according to your budget thus being a great cost saver. Various costs such as construction and transport may be a great hindrance after purchasing a plot of land.However, by considering it, the costs can be eliminated by either deciding to buy the land or not to.

Level of safety. Who does not value safety? Definitely no one would admire or rather wish to live in an insecure place.It is therefore prudent to always consider the issues of security keenly. Not every area is safe therefore,when planning to buy a plot, mostly for residential purpose, it’s always better to assess the level of safety in the area.

Having considered the above factors, chances are that you will end up with the right decision and invest in the right place. Information is very key and therefore lack of it is like a cancer even though one can always do research using a number of methods. Any amount of money should therefore not be lost due to lack of information.

10 REASONS WHY SIR GEORGE INTERIOR AND HOUSING LIMITED IS THE MOST PREFERRED HOUSING COMPANY IN KENYA AND BEYOND

Photo courtesy of :SIR. GEORGE INTERIOR AND HOUSING LIMITED

Amidst the rise of other several construction companies in Kenya, Sir George Interior and Housing Limited still enjoys a great monopoly and remains to be the best in the Kenyan Construction industry. It highly leverages on its effective managerial system and high team spirit thus enabling it to deliver excellent results with regards to construction work. As it stands now, the company is the most preferred besides other companies being in existence. There are many reasons as to why this is happening, some of which are highlighted below.

Top most facts why Sir George Interior and Housing Limited is the most preferred Company in Kenya.

  • Quality driven. Majority of the companies in the land have the habit of chasing after deadlines and forgetting about the most important thing which is quality thus delivering poor projects at the end. However that is not the case with Sir George. The company fully appreciates quality and fully promotes it.Quality is the key backbone in every project the company undertakes.
  • Timeline Driven. Besides believing in high level of quality, the company always strives towards meeting the deadline set by its clients and also the internal timelines set by the Management. Time is the key to everything and the greatest asset that the company ensures it utilizes to have its projects completed in time.
  • Highly Competent staff. The Company is staffed with members who understand what they do and how what they do is supposed to be done with reference to construction work. It is due to this that the company is always able to deliver to its clients.
  • Cost efficient. Various companies either undercharge or overcharge hence ending up with a mismatch in the results expected and the actual results on ground. However that’s a different case with the Company. It only charges what is worth and what is favorable for the client. This at end makes the final relationship between them to be favorable.
  • High level of Dignity. The company under the management of one able Director, Eng.George Okoth, upholds high standards of honesty and transparency. Every transaction carried out under the company’s name is always kept in records both in soft copies and manual copies.
  • Mission driven. The company is always driven by its mission of ensuring that it manages its projects by being customer centric. Key aim being to always at all cost meet and exceed customer expectations.
  • High level of commitment. The company is always committed to ensuring client satisfaction through the provision of products and services which conform to the agreed requirement in respect of specification, cost and time. This is always achieved through a strict compliance to a quality assurance system, which is entrenched and developed for each individual’s discipline. The company is fully Committed to continually improve safety performance. Before a project commences, the team draws up a detailed and consultative work plan for job in question to meet stipulated requirements
  • Effective Equipment and Machinery. Having customer satisfaction and excellent results in mind, the company has modern equipment and its staff is also trained on operating them. Technology keeps changing and it has always been it’s culture to be up to date with advancements.                
  • Great work portfolio. Over the years the company has worked for various clients ranging from large and small corporate institutions and individual clients. In the previous projects that are deemed complete, the company has always left a landmark of quality and excellence.
  • Principled. The company in the course of its operations always drives its efforts towards adhering to its core principles which include:
    •  Directing and coordinating resources
    •  Scope and time management
    •  Quality management
    •  Cost control
    • Participation that ensures that the goals of the project are achieved.

It is with reference to above reasons that the company has remained outstanding and will still remain to be the best among the best. Effective and efficient Service delivery is the backbone to the company’s success since it’s what it believes in.Anyone who values quality and class can reach the company through.

Mobile.0721891598

Facebook.@George Okoth

Email.georgeokoth34@yahoo.com

Top Five profitable activities you can engage in during the quarantine period

Containing Ebola: Quarantine and the Constitution | Michael C ...

Being on quarantine is not easy nor is it a joke as many may think. It makes one to be idle since exposure and activities that one undertakes are reduced by almost 80%. As the meaning states, quarantine is the state of being placed in isolation to prevent exposure to a contagious disease or even to  prevent spread of a disease by an infected person. Besides being in confinement, there are a number of productive activities that one can engage in during the period.

  • Online teaching /Training

During this period that schools are closed, it is highly profitable to share or even teach on a new skill online. This will not only help the students but also you who is teaching them since the crisis have reduced the physical contact between them and the teachers in the locality.

  • Start an online store

Since majority of the people fear going to public places such as the supermarkets and malls due to the current pandemic, it’s advantageous to start selling various items that are highly demanded online. Starting such a business only requires a promotional platform that will get many people attracted to the merchandise on sale.

  • Affiliate marketing

Companies are looking for people who are experienced in marketing. They are highly in need of promoters for their products online so as to increase their customer reach. By doing so, the affiliate is able to get a percentage of the original payment by customer as a commission thus generating income.

  • Become a freelancer

A freelancing skill can be really productive during this period since freelancers in the past have been characterized with high payments. Being in possession of skills such as academic writing, article writing, web designing and copy writing is indeed a great blessing. However, being without such skills does not mean that you are left behind. You still have a chance of learning them and earning from them.

  • Become a translator

Since most workers in various companies have gone home on quarantine, demand for online translators is on the rise and those with the ability to do so are really reaping big from it.It is therefore advisable to engage in it.

The time we spend in quarantine should therefore not go into waste. Instead one should get engaged in activities that are beneficial mentally, socially and economically. Time is the only valuable asset we have that for sure cannot be removed out of our asset column.

THE CORONA VIRUS THAT MAKES YOU GO BROKE AFTER RECEIVING A PAY CHECK EVERY MONTH

Corona virus as we speak is indeed a very dangerous and malicious disease. It is the master killer that is giving every third world nation and other nation headache. Similarly, in the world of Money, there are also other factors which have similar characteristics to those of corona virus that  make majority go broke after receiving their paycheck. Some of the factors are self-created while others are as a result of influence. They refer to some of the individual financial habits that drain the bank account or rather the wallet without bringing back any cash flow. In other words they are the liabilities.

What are these factors?

Debt.When I was young, I used correlate wealth with high income. I used to believe that those who earn high were wealthy. However, in the real financial space, that’s not the case. Those who earn high are the ones who are prone to debt. They are always caught up in traps that definitely lead to debt.

A financially literate person will understand that there are two types of debt and that debt is neither bad.

Two types of debt you need to know

  • Good debt-refers to money borrowed that pays itself back or others help you pay. It can be an investment loan or even real estate investment.
  • Bad debt-refers to the money borrowed and the borrower struggles to pay it back all alone .At the same time it does not bring in any income.

Many high income earners t find themselves in bad debts more often because they tend to buy liabilities instead of creating assets. Such may include things like mortgage or car loan.

Trying to look rich to impress other poor people. The main problem with people who earn some cents every month is that they want to appear to be living a lifestyle that they are actually struggling to maintain. In most cases they will have to stretch on their budget to buy unnecessary things-Liabilities. At the end of the day they realize that they are broke a gain and in need of more money hence making them to go for debt.

Delaying to invest. Rarely do people remember about investing and if they remember then they always postponed their investment plans to give priority to other things which are not gainful to them in any way. As a result they end up repeating the same cycle every month and at the end of the year, they suddenly realize that they did not do anything concerning investment throughout the year.

Failure to make follow up on daily spending. Once somebody sees a paycheck, chances are that the person will start spending the money without budgeting for it.Budgeting mainly refers to the act of telling your money where to go instead of wondering where it went to. By failing to budget and also to make a track of spending will automatically lead to overspending.

In conclusion…

To be a millionaire, you have to put a lot of effort in what you regarding your finances. At the same time you should increase your financial IQ.It is always good to budget and also do a track of your daily spending to minimize overspending. Investment should be one of your key priorities.

ONE THING THAT MILLIONAIRES VALUE MORE THAN MONEY

Majority of the people always think that millionaires value their money than any other thing. However, you may be shocked to learn that they actually don’t value money that much and even if they do, then it is the second most important thing to them. To clear the air, millionaires value their time more than any other thing. They believe that time is the most valuable resource they have to create more money. ‘‘Time is money’’ a phrase commonly used by many. Ironically people who use this phrase mostly do not change the time they have into money and that’s why they live to chase after money thinking that is what millionaires do.

What you need to know about your time…,

  1. You can waste your time-It involves using your time to do things that will not be beneficial to you in the future or present.
  2. You can spend your time-Involves doing things that are presently beneficial to you but not beneficial in the future.e.g Scrolling through Facebook
  3. You can invest your time-involves doing things that are may not be useful to you currently but maybe so impactful in the future and will actually pay back. It involves things like learning about a new skill.

Unfortunately, when you check at how you use your time, you will realize that you either spend your life or Waste it and if you invest, then only a smaller percentage of it goes to investing. Of all the resources I know, time is the most unique resource since it is perishable. Once a second, minute or an hour passes, it never comes back and therefore,it remains the most unique and precious resource.

How differently do the Millionaires spend their leisure time?

Leisure time is the free time that people always have especially during weekends after a long week at work or even at the end of each day. Majority of the people always let their free time just pass without utilizing it effectively. However that should not be the case. Millionaires mostly spend their leisure time actively while the poor do spend their time passively.

During leisure time, millionaires always engage in activities such as training on a new skill, volunteering, playing golf at the golf club or even reading books. Poor people on the other hand, always spend such hours either sleeping or watching their favorite program on television. A quick review through this article will confirm to you that of the two parties, there is one who loses and the other who gains. The one who gains values time while the other who loses carelessly utilizes time.

In conclusion…

It is better to emulate the good habits of the rich and Millionaires to enhance the level of productivity in us .Time is the most precious commodity that is very perishable and that which requires special attention to be utilized well.

DON’T SAVE FOR RETIREMENT,INSTEAD DO THIS

Definitely everyone will become old at a given stage of life. Being old is the best thing ever; however the most important thing is how you plan for the old age. Majority of the people save in mutual funds and other schemes created by the government and financial entities. Saving for retirement is one of the best ideas one can buy, although there is one important thing which is better than saving and that is investing. Investing is simply making money work for you and get returns over a period of time. Saving on the other hand is the safe keeping of funds for use at a particular time. Saving is good but saving and investing is better. Therefore below are some of the recommended investment options for retirement.

Top recommended…                                  

  1. Investing in Bonds

You can decide to either loan the government or a company. The best thing with investing in bonds is that once the money loaned out matures, it is paid back with a certain interest and this creates a steady flow of cash. The duration in which the bonds mature is varied. There are short term, Mid-term and long term bonds. It therefore enables an investor to choose the type of bond to invest in.The return from bonds can be therefore used as source of retirement income.

  1. Real Estate

Investing in real estate does not necessarily mean buying land as some have always known. It simply refers to either buying a property that has either been developed or not. It can also involve renting out a property and getting back some returns. One can also invest in a real estate investment trust. That is where professionals are entrusted with the management of a property. They majorly do that by collecting rental fee on behalf of the investor then deduct their fee and pay the remaining amount to the investor.

  1. Investing for dividends

This can be done by buying stock from a company and keeping them for some time. When the company makes profit, it shares part of its returns with the shareholders. Dividends provides steady source of cash flow and especially if a company increases the percentage of sharing

  1. Saving in high interest accounts

Banks have accounts that yield interest over time.

What you have to do…

You only have to visit your bank and enquire more about their interest yielding accounts and start investing in such accounts. That will enable you to have a better retirement portfolio.

  1. Starting a business

Owning a business is a very great investment idea that one should not leave out. Majority of the 10% people who control 90% of the money are involved in one or two businesses. A business can be either online or physical. Therefore, investing in a business for retirement is also a very recommendable option.

Therefore….

You should consider changing from saving for retirement to investing for retirement since it is the best option for an old age.

HOW DANGEROUS IS CORONA VIRUS? SEE WHAT YOU NEED TO KNOW ABOUT THE DEADLY MASTER

Well just as the name suggest, Corona is not just like any other bacteria or normal disease that should be given little attention. It’s not like malaria which you can buy mosquito net to avoid biting from anopheles mosquito neither is it typhoid which you can treat your drinking water to kill the pathogens in it.

THEN WHAT IS THIS NEW MASTER KILLER …?

To start by, a virus is a very tiny microorganism that cannot not give rise to another one apart from a living cell. Corona virus(Cov) is a group of viruses that when affects a living body, especially those of humans, causes other severe infections such as Severe Acute Respiratory Syndrome (SARS-Cov) and Middle East Respiratory Syndrome (MERS-Cov).The virus is a member of corona family and it has never been experienced before.It also referred to as Covid 19.

How did it come into existence?

Corona virus is associated with animals, and therefore it is mainly transmitted from animals to human beings. Through research, it was revealed that Acute Respiratory Syndrome was transmitted from civet cats to human beings and Middle East Respiratory syndrome from camels. Majority of those infected by the virus were either regular shoppers or workers in the Wuhan Sea food market in china.

How will you know that you are Corona Positive?

Corona virus is associated with coughs, fever and breathing difficulties. In more serious scenarios, it can cause organ failure, pneumonia and most feared one which is death.

Is there a painkiller or Antibiotic for it?

Currently medics have not come up with a painkiller or an antibiotic for this killer virus. No antiviral has been developed for it yet. For one to survive therefore, he or she must have a strong immune system.Those who died of the virus are said to have been in bad health already and they were low on immune system at the time of infection.

How many people have been victim of the virus so far?

Medical report has it that it has caused death of people summing up to 2 ,663 in china alone and the most affected region is province of Hubei.Globally,the virus has affected more than 79,000 people. However, reports have it that 12,000 people affected in china have already recovered.

How dangerous is the virus?

World Health Organization (W.H.O) declared the virus as an international epidemic that should be given maximum attention as possible. Many countries since then have withdrawn their citizens from china and have also put in place measures to prevent their local citizens from being affected.

Preventive Measures…

To avoid this infection, one must cover the nose and mouth while sneezing, proper washing of hands and proper cooking of food especially meat. Avoiding close contact with those suspected to be victims is also highly recommended. Failure to which, Corona virus will easily get invited to you.

To conclude, Corona virus is very dangerous and just as the history of every new epidemic, it is a global hope that finally an amicable solution to the killer virus shall be found having in mind that medical expert and specialists are working round the clock to have the solution in place.

Share to let others know

6 Investment options you should consider before the end of 2020

A brighter tomorrow depends on the kind of investment you make today. This only begins by choosing the best investment plans. The better the plan, the higher the chances of huge returns since that’s one of the reasons for investing-to get returns.Therefore,before 2020 ends ,you should consider investing in any of the investments below.

  1. Money Markets

These are high yield accounts when it comes to interest as compared to just a normal savings account.

Why invest in money markets?

It is a great investment option having in mind that the cash invested in them gains a higher interest at the end of the day.

2.Bonds issued by Government

The government at a particular stage runs low on funds and therefore it is compelled to borrow from the public. A high rate is always offered e.g10%.Therefore, as an investor or someone passionate about investing, and is stranded on which investment to make; it is worth considering this kind of investment since it will provide you with better cash flow.

3.Real estate

Majority of the millionaires either hold their wealth in real estate or develop their real estate. Choosing on one will be a better move considering that the prices in real estate industry appreciate from time to time and therefore it remains a very promising venture.

4.Saving in high interest accounts

Banks have accounts that yield interest over time.

What you have to do…

You only have to visit your bank and enquire more about their interest yielding accounts and start investing in such accounts.

5.Business

Owning a business in 2020 is a very great investment idea that one should not leave out. Majority of the 10% people who control 90% of money are involved in one or two businesses. A business can be either online or physical. Therefore if investing is one of your goals in 2020, then you should give business a chance.

6.Shares

Getting dividends from shares you own in accompany is really sweet. It is what is referred to as making money work for you instead of working for money. Similarly, you can trade in stocks and get good returns. However, for you to invest in shares you must first open a CDSc account with a stock broker. This can be a bank which you a have an account with or a firm specialized mainly in stocks.

Why you should not be left out…

As a passionate investor, the above investment options should not leave you behind. Although you cannot consider investing in everything but it is worth trying one of them.

5 PROVEN WAYS OF CREATING WEALTH IN THE 21ST CENTURY

During the ancient days, our old fathers used to struggle and work very much hard to create wealth. They were always involved in activities such as working in the factories as either laborers or professionals. Some worked in the farms where they were always paid some peny.At the end, they ended up without a considerable amount of wealth as some had thought they could.

The 21st century which is also known as information period, however has enabled many to know about the best techniques on how to create wealth. Some of those ways include:

1) Budget Creation

The best thing that most people do today is that after withdrawal of funds from their main financial account to their savings account, what the wise do is the creation of well spending plan on how to use the funds to avid overspending.

2) Investments

The information age has really opened a lot of opportunities which when exploited can create more wealth. Such opportunities include investing in various sectors such as forex, trading, buying and selling of shares, bonds and also in real estate. Through such investments many people can actually create a lot of wealth.

3) Saving part of a good fortune

Most people also have fortunes that they have actually decided to save half of, just to enable them use them as a source of wealth in the future which is mostly done by selling the fortune that was set aside.

4) Buying Assets instead of Liabilities

Most people don’t understand the difference between assets and liabilities just because of the luxurious life they tend to live in. However, the wise buy tangible assets that can actually make them to grow more wealth instead of liabilities.

5) Getting professional advice

Most people these days who are much concerned on how to create wealth have chosen to seek consultancy service from financial experts and also from commercial firms just to let them be informed.

Therefore the above list shows some of the most used and preferred ways of creating wealth in the 21st century.

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