FBR Likely To Raise Salaried Sector Tax To 25 Percent
Wednesday, April 27, 2011
posted @ 9:48 AM, ,
Simple Living Manifesto: 72 Ideas to Simplify Your Life
Thursday, April 14, 2011
- Make a list of your top 4-5 important things. What’s most important to you? What do you value most? What 4-5 things do you most want to do in your life? Simplifying starts with these priorities, as you are trying to make room in your life so you have more time for these things.
- Evaluate your commitments. Look at everything you’ve got going on in your life. Everything, from work to home to civic to kids’ activities to hobbies to side businesses to other projects. Think about which of these really gives you value, which ones you love doing. Which of these are in line with the 4-5 most important things you listed above? Drop those that aren’t in line with those things.
- Evaluate your time. How do you spend your day? What things do you do, from the time you wake up to the time you go to sleep? Make a list, and evaluate whether they’re in line with your priorities. If not, eliminate the things that aren’t, and focus on what’s important. Redesign your day.
- Simplify work tasks. Our work day is made up of an endless list of work tasks. If you simply try to knock off all the tasks on your to-do list, you’ll never get everything done, and worse yet, you’ll never get the important stuff done. Focus on the essential tasks and eliminate the rest.
- Simplify home tasks. In that vein, think about all the stuff you do at home. Sometimes our home task list is just as long as our work list. And we’ll never get that done either. So focus on the most important, and try to find ways to eliminate the other tasks (automate, eliminate, delegate, or hire help).
- Learn to say no. This is actually one of the key habits for those trying to simplify their lives. If you can’t say no, you will take on too much.
- Limit your communications. Our lives these days are filled with a vast flow of communications: email, IM, cell phones, paper mail, Skype, Twitter, forums, and more. It can take up your whole day if you let it. Instead, put a limit on your communications: only do email at certain times of the day, for a certain number of minutes (I recommend twice a day, but do what works for you). Only do IM once a day, for a limited amount of time. Limit phone calls to certain times too. Same with any other communications. Set a schedule and stick to it.
- Limit your media consumption. This tip won’t be for everyone, so if media consumption is important to you, please skip it (as with any of the other tips). However, I believe that the media in our lives — TV, radio, Internet, magazines, etc. — can come to dominate our lives. Don’t let it. Simplify your life and your information consumption by limiting it. Try a media fast.
- Purge your stuff. If you can devote a weekend to purging the stuff you don’t want, it feels seriously terrific. Get boxes and trash bags for the stuff you want to donate or toss. Here’s my guide on decluttering. Here’s a post on starting small. More on purging below.
- Get rid of the big items. There’s tons of little clutter in our lives, but if you start with the big items, you’ll simplify your life quickly and in a big way.
- Edit your rooms. One room at a time, go around the room and eliminate the unnecessary. Act as a newspaper editor, trying to leave only the minimum, and deleting everything else.
- Edit closets and drawers. Once you’ve gone through the main parts of your rooms, tackle the closets and drawers, one drawer or shelf at a time.
- Simplify your wardrobe. Is your closet bursting full? Are your drawers so stuffed they can’t close (I’m talking about dresser drawers here, not underwear). Simplify your wardrobe by getting rid of anything you don’t actually wear. Try creating a minimal wardrobe by focusing on simple styles and a few solid colors that all match each other.
- Simplify your computing life. If you have trouble with too many files and too much disorganization, consider online computing. It can simplify things greatly.
- Declutter your digital packrattery. If you are a digital packrat, and cannot seem to control your digital clutter, there is still hope for you. Read this guide to curing yourself of this clutter.
- Create a simplicity statement. What do you want your simple life to look like? Write it out.
- Limit your buying habits. If you are a slave to materialism and consumerism, there are ways to escape it. I was there, and although I haven’t escaped these things entirely, I feel much freer of it all. If you can escape materialism, you can get into the habit of buying less. And that will mean less stuff, less spending, less freneticism.
- Free up time. Find ways to free up time for the important stuff. That means eliminating the stuff you don’t like, cutting back on time wasters, and making room for what you want to do.
- Do what you love. Once you’ve freed up some time, be sure to spend that extra time doing things you love. Go back to your list of 4-5 important things. Do those, and nothing else.
- Spend time with people you love. Again, the list of 4-5 important things probably contains some of the people you love (if not, you may want to re-evaluate). Whether those people are a spouse, a partner, children, parents, other family, best friends, or whoever, find time to do things with them, talk to them, be intimate with them (not necessarily in sexual ways).
- Spend time alone. See this list of ways to free up time for yourself — to spend in solitude. Alone time is good for you, although some people aren’t comfortable with it. It could take practice getting used to the quiet, and making room for your inner voice. It sounds new-agey, I know, but it’s extremely calming. And this quiet is necessary for finding out what’s important to you.
- Eat slowly. If you cram your food down your throat, you are not only missing out on the great taste of the food, you are not eating healthy. Slow down to lose weight, improve digestion, and enjoy life more.
- Drive slowly. Most people rush through traffic, honking and getting angry and frustrated and stressed out. And endangering themselves and others in the meantime. Driving slower is not only safer, but it is better on your fuel bill, and can be incredibly peaceful. Give it a try.
- Be present. These two words can make a huge difference in simplifying your life. Living here and now, in the moment, keeps you aware of life, of what is going on around you and within you. It does wonders for your sanity. Readtips on how to do it.
- Streamline your life. Many times we live with unplanned, complex systems in our lives because we haven’t given them much thought. Instead, focus on one system at a time (your laundry system, your errands system, your paperwork system, your email system, etc.) and try to make it simplified, efficient, and written. Then stick to it. Here’s more. Another good article here.
- Create a simple mail & paperwork system. If you don’t have a system, this stuff will pile up. But a simple system will keep everything in order. Here’s how.
- Create a simple system for house work. Another example of a simple system is clean-as-you-go with a burst. Read more.
- Clear your desk. If you have a cluttered desk, it can be distracting and disorganized and stressful. A clear desk, however, is only a couple of simple habits away.
- Establish routines. The key to keeping your life simple is to create simple routines.
- Keep your email inbox empty. Is your email inbox overflowing with new and read messages? Do the messages just keep piling up? If so, you’re normal — but you could be more efficient and your email life could be simplified with a few simple steps.
- Learn to live frugally. Living frugally means buying less, wanting less, and leaving less of a footprint on the earth. It’s directly related to simplicity.Here are 50 tips on how to live frugally.
- Make your house minimalist. A minimalist house has what is necessary, and not much else. It’s also extremely peaceful (not to mention easy to clean).
- Find other ways to be minimalist. There are tons. You can find ways to be minimalist in every area of your life. Here are a few I do, to spur your own ideas.
- Consider a smaller home. If you rid your home of stuff, you might find you don’t need so much space. I’m not saying you should live on a boat (although I know some people who happily do so), but if you can be comfortable in a smaller home, it will not only be less expensive, but easier to maintain, and greatly simplify your life.
- Consider a smaller car. This is a big move, but if you have a large car or SUV, you may not really need something that big. It’s more expensive, uses more gas, harder to maintain, harder to park. Simplify your life with less car. You don’t need to go tiny, especially if you have a family, but try to find as small a car as can fit you or your family comfortably. Maybe not something you’re going to do today, but something to think about over the long term.
- Learn what “enough” is. Our materialistic society today is about getting more and more, with no end in sight. Sure, you can get the latest gadget, and more clothes and shoes. More stuff. But when will you have enough? Most people don’t know, and thus they keep buying more. It’s a neverending cycle. Get off the cycle by figuring out how much is enough. And then stop when you get there.
- Create a simple weekly dinner menu. If figuring out what’s for dinner is a nightly stressor for you or your family, consider creating a weekly menu. Decide on a week’s worth of simple dinners, set a specific dinner for each night of the week, go grocery shopping for the ingredients. Now you know what’s for dinner each night, and you have all the ingredients necessary. No need for difficult recipes — find ones that can be done in 10-15 minutes (or less).
- Eat healthy. It might not be obvious how eating healthy relates to simplicity, but think about the opposite: if you eat fatty, greasy, salty, sugary, fried foods all the time, you are sure to have higher medical needs over the long term. We could be talking years from now, but imagine frequent doctor visits, hospitalization, going to the pharmacist, getting therapy, having surgery, taking insulin shots … you get the idea. Being unhealthy is complicated. Eating healthy simplifies all of that greatly, over the long term. Read abouthow to simplify your eating habits.
- Exercise. This goes along the same lines as eating healthy, as it simplifies your life in the long run, but it goes even further: exercise helps burn off stress and makes you feel better. It’s great. Here’s how to create the exercise habit.
- Declutter before organizing. Many people make the mistake of taking a cluttered desk or filing cabinet or closet or drawer, and trying to organize it. Unfortunately, that’s not only hard to do, it keeps things complicated. Simplify the process by getting rid of as much of the junk as possible, and then organizing. If you declutter enough, you won’t need to organize at all.
- Have a place for everything. Age-old advice, but it’s the best advice on keeping things organized. After you declutter.
- Find inner simplicity. I’m not much of a spiritual person, but I have found that spending a little time with my inner self creates a peaceful simplicity rather than a chaotic confusion. This could be time praying or communing with God, or time spent meditating or journaling or getting to know yourself, or time spent in nature. However you do it, working on your inner self is worth the time.
- Learn to decompress from stress. Every life is filled with stress — no matter how much you simplify your life, you’ll still have stress (except in the case of the ultimate simplifier, death). So after you go through stress, find ways to decompress. Here are some ideas.
- Try living without a car. OK, this isn’t something I’ve done, but many others have. It’s something I would do if I didn’t have kids. Walk, bike, or take public transportation. It reduces expenses and gives you time to think. A car is also very complicating, needing not only car payments, but insurance, registration, safety inspections, maintenance, repairs, gas and more.
- Find a creative outlet for self-expression. Whether that’s writing, poetry, painting, drawing, creating movies, designing websites, dance, skateboarding, whatever. We have a need for self-expression, and finding a way to do that makes your life much more fulfilling. Allow this to replace much of the busy-work you’re eliminating from your life.
- Simplify your goals. Instead of having half a dozen goals or more, simplify it to one goal. Not only will this make you less stressed, it will make you more successful. You’ll be able to focus on that One Goal, and give it all of your energy. That gives you much better chances for success.
- Single-task. Multi-tasking is more complicated, more stressful, and generally less productive. Instead, do one task at a time.
- Simplify your filing system. Stacking a bunch of papers just doesn’t work. But a filing system doesn’t have to be complicated to be useful. Create a simple system.
- Develop equanimity. If every little thing that happens to you sends you into anger or stress, your life might never be simple. Learn to detach yourself, and be more at peace.
- Reduce your consumption of advertising. Advertising makes us want things. That’s what it’s designed to do, and it works. Find ways to reduce your exposure of advertising, whether that’s in print, online, broadcast, or elsewhere. You’ll want much less.
- Live life more deliberately. Do every task slowly, with ease, paying full attention to what you’re doing. For more, see Peaceful Simplicity: How to Live a Life of Contentment.
- Make a Most Important Tasks (MITs) list each day. Set just 3 very important things you want to accomplish each day. Don’t start with a long list of things you probably won’t get done by the end of the day. A simple list of 3 things, ones that would make you feel like you accomplished something. See this article for more.
- Create morning and evening routines. A great way to simplify your life is to create routines at the start and end of your day. Read more on morning routines and evening routines.
- Create a morning writing ritual. If you enjoy writing, like I do, make it a peaceful, productive ritual.
- Learn to do nothing. Doing nothing can be an art form, and it should be a part of every life.
- Read Walden, by Thoreau. The quintessential text on simplifying.Available on Wikisources for free.
- Go for quality, not quantity. Try not to have a ton of stuff in your life … instead, have just a few possessions, but ones that you really love, and that will last for a long time.
- Read Simplify Your Life, by Elaine St. James. One of my favorite all-time authors on simplicity.
- Fill your day with simple pleasures. Make a list of your favorite simple pleasures, and sprinkle them throughout your day.
- Simplify your RSS feeds. If you’ve got dozens of feeds, or more than a hundred (as I once did), you probably have a lot of stress in trying to keep up with them all. Simplify your feed reading. See How to Drop an RSS Feed Like a Bad Habit.
- But subscribe to Unclutterer. Probably the best blog on simplifying your stuff and routines (along with Zen Habits, of course!).
- Create an easy-to-maintain yard. If you spend too much time on your yard,here are some good tips.
- Carry less stuff. Are your pockets bulging. Consider carrying only the essentials.
- Simplify your online life. If you have too much going on online,
- Strive to automate your income. This isn’t the easiest task, but it can (and has) been done. I’ve been working towards it myself.
- Simplify your budget. Many people skip budgeting (which is very important) because it’s too hard or too complicated.
- Simplify your financial life. Article from a financial planning expert here.
- Learn to pack light. Who wants to lug a bunch of luggage around on a trip? Here’s an article on using just one carry-on.
- Use a minimalist productivity system. The minimal Zen To Done is all you need. Everything else is icing.
- Leave space around things in your day. Whether they’re appointments, or things you need to do, don’t stack them back-to-back. Leave a little space between things you need to do, so you will have room for contingencies, and you’ll go through your day much more relaxed.
- Live closer to work. This might mean getting a job closer to your home, or moving to a home closer to your work. Either will do much to simplify your life.
- Always ask: Will this simplify my life? If the answer is no, reconsider.
posted @ 11:16 AM, ,
Money Market and General Upadtes - 08-04-2011
Saturday, April 9, 2011
- After showing a relative ease for a couple of months, inflation jumped to 13.16 per cent last month because of high prices of food items and a partial increase in prices of petroleum products in domestic market and a slight rise in electricity tariff. Inflation had fallen from 15pc in December last year to 14.2pc in January and 12.91pc in February because of a government freeze on oil and electricity prices. The impact of overall increase in inflation last month was mainly because of food prices (56.46pc) and house rent (12.08pc), totaling 68.54pc.
- Developing Asia, a diverse group of economies including China, India, Azerbaijan, Thailand and Fiji, is expected to grow 7.8 percent in 2011 and 7.7 percent in 2012, robust rates albeit slower than the 9 percent seen in 2010, Asian Development Outlook report. At the same time, inflation is expected to quicken to an average 5.3 percent this year from 4.4 percent in 2010, before easing to 4.6 percent in 2012. Some countries such as Vietnam and Pakistan could see inflation rates climb well into the double digits.
- Pakistan’s foreign exchange reserves have declined to $17.637 billion on April 2, 2011, as compared to $17.9 billion during the previous week. The reserves held by central bank fell to $14.261 billion as compared to $14.54 billion during the last week, similarly, the reserves held by commercial banks other than SBP also declined to $3.376 billion as compared to $3.41 billion. The reserves touched a record high to $17.9 billion on March 26 on handsome inflows of remittances and exports earnings. Remittances sent home by overseas Pakistanis soared 20 percent in the first eight months (July-February) of the current fiscal year, in the wake of a tightening of noose around illegal channels, a stable rupee and contribution of charity money after flood ravages.
posted @ 10:00 AM, ,
Cherished Number Plates
Friday, April 8, 2011
posted @ 10:01 AM, ,
Money Market, Forex and General Upadtes - 07-04-2011
Thursday, April 7, 2011
posted @ 5:02 PM, ,
Monday, April 4, 2011
posted @ 11:24 AM, ,