The Guardian Life Insurance Company of America (Guardian), one of the largest mutual life insurance companies and a leading provider of employee benefits to midsize and small companies, offers employees and employers tips for leveraging their employee benefits in one of the worst economic environments since the Great Depression.

Guardian’s employee benefits experts compiled these money saving tips and educational resources just in time for the fall open enrollment season when millions of employees make important decisions about their benefits for the coming year. Additionally, Guardian recently launched an educational campaign including a dedicated Website and enhanced enrollment services to make it easier for employers to manage and employees, to understand and select their benefits.

Open Enrollment Tips

Sign-up for voluntary benefits
1) Consider taking advantage of voluntary benefits (sponsored by the employer, paid by the employee). They give you greater choices and discounted access to benefits to help ensure protection needs meet your specific lifestyle. They are usually more affordable than individual coverage and require limited or no medical underwriting.
2) Sign up for voluntary benefits earlier rather than later. Some voluntary benefits like life insurance plans may automatically increase coverage amounts each year, building up greater coverage than what you initially signed up for. These increases have no impact to premiums so it pays to enroll early.

Look for the freebies or perks
3) Use your health insurance plan to get a discount on your gym membership. Health insurance plans with a wellness focus often offer these discounts to encourage employees to stay fit, keeping your long-term costs of care lower. Need estate planning or will preparation advice? Check your life insurance coverage to see if free or low cost legal services are available. For example, Guardian has WillPrep Services* that give plan members access to online planning documents and professional assistance with advanced health care directives, estate taxes, financial and healthcare power of attorney, guardianship and conservatorship, trusts and wills.

Keep more money in your pockets
4) If a high deductible health plan is one of your medical plan options, consider opening a health savings account if available. Money in HSA funds build tax-free and you keep it even if you change jobs. You can use the money to pay for qualified health expenses if necessary and if no health care needs arise, you are building your money up on a tax-advantaged basis.
5) All high-deductible plans are not created equally. Look for a plan that doesn’t require you to pay out-of-pocket for common preventative screenings. Critical illness insurance can be bundled with your health plan to provide greater coverage when serious illnesses strike. A new industry feature on critical illness insurance is a hospital rider where if you face an extended hospital stay, you can receive a check of up to $500 for each day you’re in the hospital — up to ten days. You can use the money any way you want, but many employees choose to use this extra cash to cover high deductibles, co-payments, or even child care.

Use it, don’t lose it
6) Look for a dental plan that has an annual maximum rollover — these newer plans became popular in the past three years and allow you to roll over a portion of your unused benefits to the next year. These plans are doing for the dental industry what rollover minutes did for the mobile phone industry.
7) Consider signing up for a flexible spending account which allows you to pay for qualified healthcare, dependent care and even transportation expenses with before-tax dollars. It’s a use it, or lose it account so don’t forget to use the money before the year-end
deadline. Qualifying purchases may include: medical and dental deductibles and copayments, over the counter medications, eye glasses, child care, and transportation related to your employment.

Don’t give up on your 401(k)
Open Enrollment is a really good time to take a look at your company retirement plan contributions. With only a few short months left in the year, you have time to make adjustments, if necessary, to ensure you reach your contribution goal.
9) Now is the time to start up contributions again, if you stopped contributing during the market turmoil earlier this year. Saving through your employer-sponsored retirement plan helps you automatically follow one of the wisest investment strategies–dollar- cost averaging, putting the same amount of money in the same investment consistently, regardless of market movement. Over time, this can reduce the overall cost of your investments.

If you lose your job, keep your benefits
10) If you lose your job, some of your benefits may be portable. Make sure you ask your HR executive about the ability to maintain key benefits at affordable group rates in the event of job loss.

Guardian Educational Campaign and More Tips

Guardian’s Web page www.guardianenrollmenttips.com, offers free online tips, an interactive benefits quiz and resources for employers and their employees. The company is also sponsoring a radio awareness campaign this fall to encourage employees to spend more time learning about their benefits.

“In the midst of economic downturn employers are looking to effectively deliver competitive benefits programs that fit their budgets and meet the diverse needs of their employees,” said Elena Wu, Group Marketing Officer, Guardian. “Voluntary benefits and plan designs that offer value for the benefits buck are increasingly becoming important vehicles for helping employers to strike that delicate balance between controlling expenses and keeping their employees motivated and happy with quality employee benefits. Guardian is committed to giving midsize and small employers and their workforce greater access to not only benefits, but also education that will help them to make better decisions and be more competitive with larger companies.”

Guardian’s services designed to relieve the administrative burden for employers and improve employee understanding and management of their benefits include:

– Customized enrollment success plans designed to increase employee participation to help employers communicate benefit offerings through on-site enrollment meetings and turn-key employee communications.
– Bilingual enrollment services including Spanish language enrollment materials as well as in-language phone support.
– Personalized enrollment kits available to plan sponsors that offer voluntary life or disability insurance, where the employees’ names and addresses are already filled in on their enrollment forms and cost information is conveniently displayed and personalized based on employee’s age and salary making the enrollment decision easier.
– Employee online enrollment available to eligible existing Guardian customers after initial enrollment, gives plan sponsors the option of allowing their employees to update and select their benefits directly using the Internet if they are a new hire or re-enrolling.
– Face-to-face enrollment meetings with our nationwide team of benefit advisors at no extra cost.
– Toll-free employee benefits hotline where support is available in over 50 languages.
– 24/7 access to Guardian’s online benefits website, Guardian Anytime, which includes provider locators, health resources, glossaries and plan information.
– Guardian’s WorkLifeMatters Employee Assistance Program that offers support on a range of matters such as elder and child care, retirement planning and stress management.

*WillPrep Services are provided by Integrated Behavioral Health, Inc., and its contractors.

Source: The Guardian Life Insurance Company of America

Modern conveniences such as electronic equipments, gadgets, and tools as well as entertainment through television, magazines, and the web have predisposed us to confine our attention mostly to physical needs and wants. As a result, our concepts of self-worth and self-meaning are muddled. How can we strike a balance between the material and spiritual aspects of our lives?

To grow spiritually is to look inward.
Introspection goes beyond recalling the things that happened in a day, week, or month. You need to look closely and reflect on your thoughts, feelings, beliefs, and motivations. Periodically examining your experiences, the decisions you make, the relationships you have, and the things you engage in provide useful insights on your life goals, on the good traits you must sustain and the bad traits you have to discard. Moreover, it gives you clues on how to act, react, and conduct yourself in the midst of any situation. Like any skill, introspection can be learned; all it takes is the courage and willingness to seek the truths that lie within you. Here are some pointers when you introspect: be objective, be forgiving of yourself, and focus on your areas for improvement.

To grow spiritually is to develop your potentials.
Religion and science have differing views on matters of the human spirit. Religion views people as spiritual beings temporarily living on Earth, while science views the spirit as just one dimension of an individual. Mastery of the self is a recurring theme in both Christian (Western) and Islamic (Eastern) teachings. The needs of the body are recognized but placed under the needs of the spirit. Beliefs, values, morality, rules, experiences, and good works provide the blueprint to ensure the growth of the spiritual being. In Psychology, realizing one’s full potential is to self-actualize. Maslow identified several human needs: physiological, security, belongingness, esteem, cognitive, aesthetic, self-actualization, and self-transcendence. James earlier categorized these needs into three: material, emotional, and spiritual. When you have satisfied the basic physiological and emotional needs, spiritual or existential needs come next. Achieving each need leads to the total development of the individual. Perhaps the difference between these two religions and psychology is the end of self-development: Christianity and Islam see that self-development is a means toward serving God, while psychology view that self-development is an end by itself.

To grow spiritually is to search for meaning.
Religions that believe in the existence of God such as Christianism, Judaism, and Islam suppose that the purpose of the human life is to serve the Creator of all things. Several theories in psychology propose that we ultimately give meaning to our lives. Whether we believe that life’s meaning is pre-determined or self-directed, to grow in spirit is to realize that we do not merely exist. We do not know the meaning of our lives at birth; but we gain knowledge and wisdom from our interactions with people and from our actions and reactions to the situations we are in. As we discover this meaning, there are certain beliefs and values that we reject and affirm.  Our lives have purpose. This purpose puts all our physical, emotional, and intellectual potentials into use; sustains us during trying times; and gives us something to look forward to—a goal to achieve, a destination to reach. A person without purpose or meaning is like a drifting ship at sea.

To grow spiritually is to recognize interconnections.
Religions stress the concept of our relatedness to all creation, live and inanimate. Thus we call other people “brothers and sisters” even if there are no direct blood relations. Moreover, deity-centered religions such as Christianity and Islam speak of the relationship between humans and a higher being. On the other hand, science expounds on our link to other living things through the evolution theory. This relatedness is clearly seen in the concept of ecology, the interaction between living and non-living things. In psychology, connectedness is a characteristic of self-transcendence, the highest human need according to Maslow. Recognizing your connection to all things makes you more humble and respectful of people, animals, plants, and things in nature. It makes you appreciate everything around you. It moves you to go beyond your comfort zone and reach out to other people, and become stewards of all other things around you.

Growth is a process thus to grow in spirit is a day-to-day encounter. We win some, we lose some, but the important thing is that we learn, and from this knowledge, further spiritual growth is made possible.

Building an effective and lasting relationships is a necessity for several reasons. For example in a group or organization, the well being of the people depends on how efficient and effective that group or organization works.

The group or organization is also dependent on how the members work well with the management.
An ineffective group or organization can really be very frustrating.  An effective group or organization can also ask so much on their members, that sometimes the members would be having no life outside the walls of the area where they work or sacrifice the other aspects of their life just to meet deadlines. For an organization or group with this kind of scenario, relationships can be stressed or suffer from breakdown.

People or other entities who depend on these groups or organization also suffer.
Society is defined as a web of relationships, which requires all parties to work and contribute their share in order to achieve  a common goal. Having a relationship that is good, where cooperation and respect are manifested, can make society work better. In this way each member works for the good of the whole and towards achieving a common goal. This can only be attained with effective and efficient relationships.

Understanding the other parties’ feeling and position creates an effective and efficient relationship. The easiest method to understand what is important to another party is to ask them what they want and listen to what they have to say. When the other party realizes this, they would feel the importance given to them

Effective and efficient relationships require parties to openly express their feelings and positions on all matters pertinent on the relationship. Assuming that the other party understands our needs and give us when we need it without asking for it is not a good practice.

Respect is the key to relationship. In order to create a more effective relationship, parties should treat each other with respect.  We can show respect just by listening to the other party and by trying sincerely to understand how they function. You can also show respect to other parties by confirming that they are doing everything they can.

The opposite of respect is quick forming of judgements based on unfounded facts and prejudice.

Respect is the very foundation for a great relationship. This also means respecting yourself and respecting others.

Another key area in forming an effective relationship is to tackle differences of the other party directly. Differences between parties or people are quite interesting. For example in a conversation where each party listens to the other party, you may observe that each is having two different perspectives.

Work towards a win-win solution for both parties.
This can be done when at least one party acknowledges that the relationship is important. That party would then exert more time, effort and energy to understand the other party’s needs and deal with it to get it out of the way. Should they fail, it is comforting for that party to know that they tried.

Effectively listening and no pre-judging. This is important if parties are to understand each other.
Informal discussions are conducive for parties. They bring out issues and concerns comfortably. They also feel more relaxed making them think more clearly.

Developing an atmosphere where the other party can express their feelings when they need to.
When parties fail to express whatever is on their mind or their feelings, it can get in the way of building an effective relationship.
Parties should be aware that certain things exist naturally but should be controlled in any dealings in any relationship.  Human nature is one. Some of these things found in a relationship also include a history of stereotyping or mistrust, blaming the other person or party for a strained relationship, excluding the other party’s feelings when focusing on a task, no clear and defined objectives, roles and expectations of each party in a relationship is also unclear.

Relationships are important to anyone, addressing issues and problems right away is a must to further improve the relationship. As they say ‘No man is an Island’.

When you feel strongly about something without logical basis to it, that’s called intuition. It comes in three impressions: clairvoyance or “the third eye”, sensing clearly and feeling through listening.

Clairvoyance is when your eye goes beyond what it can see. This is when you know what is happening somewhere.

Sensing clearly is basically what we refer to as “hunch” or “gut feel.” This is the time when you are overwhelmed with a feeling and you can’t explain it and all you can say is “I just know.”

On the other hand, feeling through listening or clairaudience is being able to “listen” between the lines. Intuition also happens at times when a certain sound, whatever it is – be it a car’s honk or a bird’s twitting – ushers in an intense feeling.

They say only a number of people are gifted with intuition. Astrologers even insist that people born under the Scorpio or Pisces signs are naturally intuitive it almost borders on E.S.P. But studies have been sprouting left and right that proclaim that anyone can develop intuition.

Why the need to develop intuition, you ask? Why not let your emotional and psychological state as it is? First and foremost, intuition promotes good communication. It makes you more sensitive to the people around you; it often keeps you from hurting those you love because you are intuitive enough to understand them. Intuition also makes you far more creative than ever. Intuition means releasing more creative juices for any means of expression. Lastly, intuition has a healing power. This healing power is not in the physical sense, but in delving deep into your soul to eradicate some negative energy buried in it.

With that being said, are you ready to develop your intuition? Here are some ways to unlock this gift:

1. Hypnosis
Oh yes, get yourself hypnotized. Hypnosis is not limited to watching a pendulum move back and forth. Perform self-hypnosis or you can avail of hypnotic programs that can strengthen your intuition.

2. Meditation
Meditating means finding peace in yourself. If your mind and heart are cluttered with too many baggage and hurt,  you wouldn’t be able to quiet down that part of you that could eventually initiate intuition. There are so many ways to meditate: take a yoga class, or just simply practice some breathing that could bring you straight to Zen.

3. Think positive!
A worry-free, fear-free state could do so much to improve your intuitive ability. By staying positive, you attract good energy that would be able to easily recognize imminent feelings and events.

4.  Just let go.
What does this mean? If you are on the brink of making a huge decision, let go of all the inhibitions and head to a quiet place where you could find out where the letting go has brought you. Sometimes you just have to listen to the voice within you, and that voice wouldn’t come out unless you let go.

5. Never expect.
After letting go of the inhibitions and all those things that stop you from thinking and feeling clearly, never expect for an answer right away. Never expect that the “hunch” would fall on your lap immediately. Give it a little time then you’d just get surprised that — wham! — now you have your answer.

6. Believe in your first impressions.
When you see someone for the first time and think that he is a bit too arrogant for your taste, chances are that impression actually holds true. Most of the time, first impressions are brought by intuition.

7. Stay happy!
See? All you need to be intuitive is to stay happy! Happiness attracts immense power and such power includes intuition. In tapping your intuition, your motivation must be happiness and contentment. Given that premise, intuition will fall to you easily.

Intuition is helpful, because sometimes it leads you to something that cannot be achieved otherwise. A lot of lives have been saved by intuition alone. Decisions are easier done if armed by this gift. Develop intuition now and reap benefits you have never imagined.

It’s always best to set up a personal goal where you can accomplish the most in record time, maybe like mowing the lawn in an hour before the big game on TV. A correct and positive attitude in whatever you do will make things easier, and even enjoyable.

Here are some tips to make it through the week even if you’re just sitting in your favorite couch. An idea takes time to form in your head and is always at work while you are busy sitting.

Having a bit of positive thinking can help you realize things that are never thought possible. Thinking big is indeed the American Way and that what made our country prosperous.

1. Take passionate action towards living your life by design. Talk is cheap. Action = deposits in the bank of a passionately authentic future. Without it, passion is void.

This is a perfect example where dreams are made of where you start by tinkering with your mind, then with your hands. And if the idea weakens, you can always go back to it later until you finish it.

2. Commit to yourself as well as those you love to create powerfully a life you can love. Instead of reacting, commit to creating from your heart and soul, out of love rather than fear. The American Dream will always be there, but a dream will still be a dream without motion. Be amazed as the transformation begins.

3. Recognize and embrace the thought that each moment is perfect regardless of its outcome. Every time you hit on something that may appear too extreme, why not give it a shot and see if it will work. You will be surprised to see of there are other ways to get the task done in time. If you are not pleased with the outcome, decide to use that moment to learn from and make the appropriate shift.

4. Dwell completely in a place of gratitude. Learn to utilize what you have in your hands and make use of it in the most constructive way. Slipping into neediness will become less of a habit when you repeatedly shift towards gratitude, away from poverty consciousness.

5. Use a Passion Formula of Recognize/Reevaluate/Restore in place of the Shoulda/Woulda/Coulda whirlwind. The former is based in increased knowledge and abundance while the latter focuses on scarcity and lack. As you face people or tasks that may seem harder than scaling the summit of the Himalayas, allow yourself to realize that the task is just as important as giving out orders to your subordinates. You would rather be richly passionate!

6. Keep humor at the forefront of thought, laughing at and with yourself when possible. You may find yourself quite entertaining when you loosen up! I am yet to see a comedian ever go hungry even though his jokes are as ‘old as great-grandma’. Life has so much to offer to allow you to mope around in self pity. Humor is very attractive, very passionate: life-giving.

7. Believe that you are the architect of your destiny. No one can take your passionate future from you except for you! Create your life authentically. As long as there’s still breath in your body, there is no end to how much you can accomplish in a lifetime. The concept of thinking big is all about enjoying your work, which would lead to celebrate a discovery that is born within your hands. Watch everything flow into place with perfect, passionate precision.

It’s interesting how people get wallowed up by something trivial as learning to use a computer, when nowadays that top computer companies are manufacturing software that even the kids can do it. I don’t mean to be condescending, but that’s the idea of not having any positive thinking in your life-you’ll just end up as a dim bulb in a dark corner. So instead of subjecting yourself to what you will be doomed for, make your path by taking the first step with a positive attitude.

Meditation is most commonly associated with monks, mystics and other spiritual disciplines.  However, you don’t have to be a monk or mystic to enjoy its benefits.  And you don’t even have to be in a special place to practice it.  You could even try it in your own living room!

Although there are many different approaches to meditation, the fundamental principles remain the same.  The most important among these principles is that of removing obstructive, negative, and wandering thoughts and fantasies, and calming the mind with a deep sense of focus.  This clears the mind of debris and prepares it for a higher quality of activity.

The negative thoughts you have – those of noisy neighbors, bossy officemates, that parking ticket you got, and unwanted spam– are said to contribute to the ‘polluting’ of the mind, and shutting them out is allows for the ‘cleansing’ of the mind so that it may focus on deeper, more meaningful thoughts.

Some practitioners even shut out all sensory input – no sights, no sounds, and nothing to touch – and try to detach themselves from the commotion around them.  You may now focus on a deep, profound thought if this is your goal.  It may seem deafening at first, since we are all too accustomed to constantly hearing and seeing things, but as you continue this exercise you will find yourself becoming more aware of everything around you.

If you find the meditating positions you see on television threatening – those with impossibly arched backs, and painful-looking contortions – you need not worry.  The principle here is to be in a comfortable position conducive to concentration.  This may be while sitting cross-legged, standing, lying down, and even walking.

If the position allows you to relax and focus, then that would be a good starting point.  While sitting or standing, the back should be straight, but not tense or tight.  In other positions, the only no-no is slouching and falling asleep.

Loose, comfortable clothes help a lot in the process since tight fitting clothes have a tendency to choke you up and make you feel tense.

The place you perform meditation should have a soothing atmosphere.  It may be in your living room, or bedroom, or any place that you feel comfortable in.  You might want an exercise mat if you plan to take on the more challenging positions (if you feel more focused doing so, and if the contortionist in you is screaming for release).  You may want to have the place arranged so that it is soothing to your senses.

Silence helps most people relax and meditate, so you may want a quiet, isolated area far from the ringing of the phone or the humming of the washing machine.  Pleasing scents also help in that regard, so stocking up on aromatic candles isn’t such a bad idea either.

The monks you see on television making those monotonous sounds are actually performing their mantra.  This, in simple terms, is a short creed, a simple sound which, for these practitioners, holds a mystic value.

You do not need to perform such; however, it would pay to note that focusing on repeated actions such as breathing, and humming help the practitioner enter a higher state of consciousness.

The principle here is focus. You could also try focusing on a certain object or thought, or even, while keeping your eyes open, focus on a single sight.

One sample routine would be to – while in a meditative state – silently name every part of you body and focusing your consciousness on that part. While doing this you should be aware of any tension on any part of your body.  Mentally visualize releasing this tension.  It works wonders.

In all, meditation is a relatively risk-free practice and its benefits are well worth the effort (or non-effort – remember we’re relaxing).

Studies have shown that meditation does bring about beneficial physiologic effects to the body.  And there has been a growing consensus in the medical community to further study the effects of such.  So in the near future, who knows, that mystical, esoteric thing we call meditation might become a science itself!

Energy therapies are considered complementary and alternative health practices. Acupuncture is the best known, but others are gradually being integrated into health care practices in the United States.

Energy therapies come from many cultures and are based on ideas about natural energy fields. They aim to create a free flow of energy by clearing, balancing and stimulating the human energy system. Though energy therapies are not well understood or always embraced by traditional medical providers, proponents believe that a balanced energy system encourages wholeness — emotional, physical, mental and spiritual well-being.

Mayo Clinic Women’s HealthSource provides a synopsis of three energy therapies:

Healing touch: Also known as therapeutic touch, healing touch is meant to stimulate the body’s self-healing processes. Gentle touching moves energy from the practitioner to the recipient, strengthening and reorienting the recipient’s energy flow within and around the body. Some people find healing touch relaxing. There’s little evidence to suggest other health benefits.

Qi gong: The Chinese word “qi gong” combines the term “qi” (chee), which means life force or vital energy, and “gong” (kung), meaning accomplishment or skill. Qi gong has many forms and is a common health practice throughout China. Two of the most common forms are tai chi and kung fu. In general, qi gong combines rhythmic movements, breathing techniques and focused intentions. Some approaches increase energy while others are used to cleanse and heal the body.

Reiki: In a reiki session, the practitioner’s hands are positioned either on or a few inches above the recipient’s body. The goal is to raise the amount of “ki”, or life force energy, in and around the person. The reiki practitioner uses between 12 and 15 different hand positions, holding each one for several minutes until the flow of energy slows or stops.

Like healing touch, reiki can promote relaxation. One study suggests it may positively affect blood pressure and heart and respiration rates.

Because of a lack of research, it’s hard to say for certain that energy therapies are completely safe and work or don’t work. Still, for people drawn to these approaches, they may be worth a try.

Source: Mayo Clinic

Being humiliated gives us the ‘push’ to speak up and fight for ourselves to save our face from the next embarrassments. It may be a bitter experience, a friend’s tragic story, a great movie, or an inspiring book that will help us get up and get just the right amount of motivation we need in order to improve ourselves.

With the countless negativities the world brings about, how do we keep motivated? Try on the tips I prepared from A to Z…

A – Achieve your dreams. Avoid negative people, things and places. Eleanor Roosevelt once said, “the future belongs to those who believe in the beauty of their dreams.”

B – Believe in your self, and in what you can do.

C – Consider things on every angle and aspect. Motivation comes from determination. To be able to understand life, you should feel the sun from both sides.

D – Don’t give up and don’t give in. Thomas Edison failed once, twice, more than thrice before he came up with his invention and perfected the incandescent light bulb. Make motivation as your steering wheel.

E – Enjoy. Work as if you don’t need money. Dance as if nobody’s watching. Love as if you never cried. Learn as if you’ll live forever. Motivation takes place when people are happy.

F – Family and Friends – are life’s greatest ‘F’ treasures. Don’t loose sight of them.

G – Give more than what is enough. Where does motivation and self improvement take place at work? At home? At school? When you exert extra effort in doing things.

H – Hang on to your dreams. They may dangle in there for a moment, but these little stars will be your driving force.

I – Ignore those who try to destroy you. Don’t let other people to get the best of you. Stay out of toxic people – the kind of friends who hates to hear about your success.

J – Just be yourself. The key to success is to be yourself. And the key to failure is to try to please everyone.

K – keep trying no matter how hard life may seem. When a person is motivated, eventually he sees a harsh life finally clearing out, paving the way to self improvement.
L – Learn to love your self. Now isn’t that easy?

M – Make things happen. Motivation is when your dreams are put into work clothes.

N – Never lie, cheat or steal. Always play a fair game.

O – Open your eyes. People should learn the horse attitude and horse sense. They see things in 2 ways – how they want things to be, and how they should be.

P – Practice makes perfect. Practice is about motivation. It lets us learn repertoire and ways on how can we recover from our mistakes.

Q – Quitters never win. And winners never quit. So, choose your fate – are you going to be a quitter? Or a winner?

R – Ready yourself. Motivation is also about preparation. We must hear the little voice within us telling us to get started before others will get on their feet and try to push us around. Remember, it wasn’t raining when Noah build the ark.

S – Stop procrastinating.

T – Take control of your life. Discipline or self control jives synonymously with motivation. Both are key factors in self improvement.

U – Understand others. If you know very well how to talk, you should also learn how to listen. Yearn to understand first, and to be understood the second.

V – Visualize it. Motivation without vision is like a boat on a dry land.

W – Want it more than anything. Dreaming means believing. And to believe is something that is rooted out from the roots of motivation and self improvement.

X – X Factor is what will make you different from the others. When you are motivated, you tend to put on “extras” on your life like extra time for family, extra help at work, extra care for friends, and so on.

Y – You are unique. No one in this world looks, acts, or talks like you. Value your life and existence, because you’re just going to spend it once.

Z – Zero in on your dreams and go for it!!!

If you’ve placed second in a writing contest, will you jump for joy and push for better results the next time or will you be discouraged and find an excuse not to join again?

In life, you are always filled with choices. You may opt to have a pessimist’s view and live a self-defeated life or you may decide to take the optimist’s route and take a challenging and fulfilling life.

So why nurture an optimist’s point of view? And why now?

Well, optimism has been linked to positive mood and good morale; to academic, athletic, military, occupational and political success; to popularity; to good health and even to long life and freedom from trauma.

On the other hand, the rates of depression and pessimism have never been higher. It affects middle-aged adults the same way it hits younger people. The mean age of onset has gone from 30 to 15. It is no longer a middle-aged housewife’s disorder but also a teen-ager’s disorder’ as well.

Here’s how optimists are in action and researches that back up why it really pays to be an optimist:

Optimists expect the best

The defining characteristic of pessimists is that they tend to believe bad events, which will last a long time and undermine everything they do, are their own fault.

The truth is optimists are confronted with the same hard knocks of this world. What differs is the way they explain their misfortune—it’s the opposite way. They tend to believe defeat is just a temporary setback, that its causes are confined to this one case.

Optimists tend to focus on and plan for the ‘problem’ at hand. They use ‘positive reinterpretation.’ In other words, they most likely reinterpret a negative experience in a way that helps them learn and grow. Such people are unfazed by bad situation, they perceive it is a challenge and try harder.

They won’t say “things will never get better,” “If I failed once, it will happen again” and “If I experience misfortune in one part of my life, then it will happen in my whole life.”

Positive expectancies of optimists also predict better reactions during transitions to new environments, sudden tragedies and unlikely turn of events. If they fall, they will stand up. They see opportunities instead of obstacles.

People respond positively to optimists

Optimists are proactive and less dependent on others for their happiness. They find no need to control or manipulate people. They usually draw people towards them. Their optimistic view of the world can be contagious and influence those they are with.

Optimism seems a socially desirable trait in all communities. Those who share optimism are generally accepted while those who spread gloom, panic and hysteria are treated unfavorably.

In life, these people often win elections; get voted most congenial and sought for advice.

When the going gets tough, optimists get tougher

Optimists typically maintain higher levels of subjective well-being during times of stress than do people who are less optimistic. In contrast, pessimists are likely to react to stressful events by denying that they exist or by avoiding dealing with problems. Pessimists are more likely to quit trying when difficulties arise.

They persevere. They just don’t give up easily, they are also known for their patience. Inching their way a step closer to that goal or elusive dream.

Optimists are healthier and live longer

Medical research has justified that simple pleasures and a positive outlook can cause a measurable increase in the body’s ability to fight disease.

Optimists’ health is unusually good. They age well, much freer than most people from the usual physical ills of middle age. And they get to outlive those prone to negative thoughts.

So why not be an optimist today? And think positively towards a more fulfilled life.

Why not look forward to success in all your endeavors? Why not be resilient? Like everybody else you are bound to hit lows sometimes but don’t just stay there. Carry yourself out of the mud and improve your chances of getting back on the right track. And why not inspire others to remove their dark-colored glasses and see life in the bright side?

Lois Goodell, IIDA, who heads the largest interior design practice in Boston at CBT, shares seven easy to implement changes that will improve morale, productivity, and position your organization for the post-recession future at little or no cost:

Reconfigure: If cutbacks have emptied workstations and created dead zones in the office plan, reconfigure the space to increase the density. Fill empty seats and arrange workstations to improve workflow and visibility, which improves communication and morale.

Redeploy: Increase the density of workstations to open up other areas on the floor. Use “found” space to create room for collaboration. Keep the furnishings, redeployed from across the office, simple to encourage informal meetings.

Readjust: As individuals take on additional work when staff is reduced, they may require more filing space or different surfaces to support their new responsibilities. See what’s needed to be effective and adjust the workstation components accordingly.

Rethink: Senior staff responsibilities are increasing, too. Configure private office furniture to facilitate communication, mentoring, and accessibility. With travel budgets slashed, it’s time to have IT install a webcam.

Restack: More costly than re-planning a single work area or even an entire floor, the investment in restacking several floors to achieve more effective adjacencies delivers surprising paybacks. Improved communication across business units addresses shifting demands — speed-to-market, new products and services, or streamlined operations.

Reinvigorate: Take advantage of the public spaces to raise visibility. Multi-function rooms, cafes, and conference rooms can be used to bring people together for training, to host events for clients, colleagues, or community.

Refresh: For a small investment paint provides a big return. Used strategically, color can bring a professional polish to the office or just refresh spaces that are showing “wear and tear.”

Whatever changes you make now should anticipate further change. Evaluate your resources holistically — your facilities, your inventories, your requirements, and your budget. As Goodell notes, “Smart moves today provide positive, short-term impact, and the opportunity to position for the long-term.” Focusing on improved efficiencies, flexibility, and cost-effective solutions for your facilities fosters a workplace culture that is agile, collaborative, and sustainable.

Source: Lois Goodell