Try for Consistency Over Perfection

Try to Achieve Consistency Over Perfection

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Too many people think the best way to achieve one’s exercise goals is to focus on perfection. This means putting yourself through your exercise regimen every day, no matter what the consequences or what else is happening in your life. 

They may be effective in reaching their goals of hitting a certain weight or attaining a certain level of fitness, but these people tend to beat themselves up whenever they’re forced to skip a day’s workout or shorten their workout period. 

The more they focus on the days they’re unable to work out, the less they enjoy the overall benefits. This is called the ‘paralysis of analysis’. Achieving perfection in the way you attain the goal becomes more important than the goal itself. This is an unhealthy way to pursue what should be a healthy lifestyle. 

It’s often seen in type-A personalities who have trouble pursuing hobbies or sports unless they’re obsessing about them and trying to achieve perfection in them. These people want to be the best in every aspect of their lives. This type of thinking may seem positive, but it can lead to negative consequences the longer it stays a priority in their life.  

Find a Partner that Supplies Balance

If you find that you lose yourself in workouts to the point of obsessing about your progress towards your goal, a partner might help you pace yourself. 

However, you have to be aware that you’re becoming obsessive and not ruin the relationship with your workout partner for both of you to gain anything from the partnership. A partner can help you slow down, enjoy the overall process again and focus on the ongoing benefits instead of beating yourself up because of a perceived flaw in your routine.  

A partner may help you achieve the desired consistency over perfection. The first step is realizing your obsessive compulsions and making an effort to change. 

3 Perbezaan Antara Pinjaman SME Bank & Skim Jaminan Kerajaan

Pemilik SME hanya mempunyai beberapa pilihan untuk mendapatkan pembiayaan untuk perniagaan SME mereka. Dua daripada yang paling biasa ialah pinjaman SME bank dan pinjaman jaminan kerajaan. Masing-masing mempunyai positif dan negatif tersendiri, jadi penting untuk memahami perbezaannya sebelum memutuskan yang mana satu sesuai untuk SME anda.

3 Perbezaan Antara Pinjaman SME Bank & Skim Jaminan Kerajaan


Produk pinjaman yang dikeluarkan oleh bank hanya disokong oleh kepercayaan kredit peminjam. Ini bermakna jika peminjam gagal membayar balik pinjaman, bank tersebut berisiko kehilangan wang. Oleh sebab itu, bank lebih berhati-hati apabila memilih siapa mereka memberi pinjaman dan sering memerlukan cagaran, seperti harta atau peralatan, sekiranya peminjam tidak dapat membayar balik pinjaman.

Pinjaman jaminan kerajaan disokong oleh kerajaan sebagai tambahan kepada kepercayaan kredit peminjam. Ini bermakna jika peminjam gagal membayar balik pinjaman, kerajaan akan membayar balik sebahagian daripada kerugian. Pinjaman ini kurang berisiko untuk bank, dan akibatnya, bank lebih bersedia untuk memberi pinjaman kepada perniagaan yang mungkin tidak layak dapat pinjaman bank.

Kadar Faedah

Apabila memilih pakej pinjaman, peminjam harus mempertimbangkan kadar faedah untuk melihat sama ada ia berpatutan atau tidak. Bank biasanya menawarkan kadar faedah yang lebih rendah kerana pinjaman dianggap berisiko rendah. Walaupun mempunyai kredit yang baik, bank itu akan menawarkan kadar faedah yang lebih tinggi kerana sifatnya yang berisiko.

Pinjaman jaminan kerajaan disokong oleh sumber yang bereputasi, oleh itu kurang berisiko untuk bank. Sekiranya berlaku kemungkiran, kerajaan bertanggungjawab untuk membayar balik sebahagian daripada pinjaman. Jadi, bank akan lebih bersedia untuk memberikan pinjaman kepada sumber yang mampu bayar balik.

Pilihan Yang Tersedia

Pinjaman jaminan kerajaan sering mencuba dan membantu kumpulan orang tertentu memperoleh pembiayaan. Orang yang tidak mampu mendapatkan pinjaman bank terus daripada institusi kewangan akan mendapat manfaat daripada pinjaman jaminan kerajaan. Sebagai contoh, SME selalu dipandang rendah oleh bank kerana kekurangan pengalaman dalam pasaran dan akan memilih pilihan yang kurang berisiko. Walau bagaimanapun, pinjaman jaminan kerajaan berusaha untuk membantu SME dengan menyediakan perlindungan tambahan kepada mereka untuk mendapatkan pinjaman mereka diluluskan oleh institusi kewangan.

Pinjaman bank juga mempunyai lebih banyak pilihan daripada pinjaman jaminan kerajaan. Mereka mempunyai pelbagai pinjaman yang berbeza seperti pendidikan, kereta, peribadi, pertanian dan perumahan. Walau bagaimanapun, pinjaman jaminan kerajaan cenderung memberi tumpuan kepada pinjaman pertanian, perumahan dan pendidikan. Sebagai perbandingan, bank menawarkan lebih banyak pilihan seperti pembiayaan semula, Islamik, berjangka, overdraf, kadar tetap pinjaman Flexi, dan sebagainya.

Ini hanyalah beberapa perkara penting yang perlu diingat semasa memutuskan sama ada pinjaman bank atau pinjaman jaminan kerajaan sesuai untuk SME anda. Pertama, pertimbangkan sama ada anda fikir anda akan layak untuk pinjaman bank. Jika tidak, pinjaman jaminan kerajaan mungkin menjadi pertaruhan terbaik anda. Kedua, bandingkan kadar faedah dan terma untuk melihat pilihan yang lebih berpatutan. Dan akhirnya, pertimbangkan apa yang anda akan lakukan jika anda tidak mampu membayar balik pinjaman; jika anda bimbang tentang ingkar, pinjaman yang dijamin kerajaan mungkin memberi anda ketenangan fikiran.

Invest in New Experiences Instead of New Things

Invest in Experiences Instead of Things

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Some people may be surprised to learn that research has shown we respond more positively to new experiences than to buying new things. The urge to acquire things is like feeding an addiction. It provides us with a ‘high’ that is a relatively short-lived experience. When the high fades, we feel compelled to buy something else to enjoy the feeling again. 

This up-and-down nature of the acquisition process doesn’t do us, or our bank accounts, much good over the long run. We may experience buyer’s remorse, especially when we’ve bought something we don’t really need or can afford. 

Researchers have noticed that we tend to derive much more satisfaction by investing in an experience. It can be a hobby, or a trip, or simply tickets to a movie.

Most people regard the act of doing something as a reward in itself. And that’s more valuable than buying something, even something you’ve wanted for some time. Enjoying an experience with a friend or family member heightens the pleasure we get out of the experience. Being able to talk about the experience with someone who has experienced the same thing seems to make it that much more worthwhile. But even people who undertake a new solo hobby are much happier overall. 

Become a Collector of Experiences

People who are constantly experiencing new things and taking on new challenges in their lives are seen as much happier and more content. They don’t experience the same up-and-down emotional feelings noticed in people who are constantly shopping to feel better about themselves. 

Start looking for more new experiences whenever you want to feel better about yourself. You’ll get more satisfaction and rewards out of the process and might make some valuable new friends along the way. 

Enjoy the Workout of a Beach Swim

Enjoy a Healthy Beach Swim

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Swimming off a beach is often a love-it or hate-it affair for people who love to swim. People who love it appreciate a break from the chlorine and chemicals of swimming pools. People who would rather swim in a pool generally hate it for the turbulence, currents and waves they have to deal with in ocean swimming. 

People who are dedicated swimmers are often people of habit. They’re often people who appreciate the meditative practice of swimming laps. And people who are used to the careful and calculated repetition of swimming laps in a pool that they know the length, depth, and water quality of find the whole familiarity of the exercise comforting. 

Ocean Swimming Provides a Better Workout 

Although you may be perfectly happy with the lap swimming routine you have worked out, swimming in the ocean provides a better workout and can be much more adventurous and rewarding. 

Swimming in salt water is much better for your skin and hair than immersing yourself in a chlorine bath regularly. But it’s the ocean waves and currents that provide resistance to your swim that make it such a better workout. 

Swimming in a pool is great exercise, particularly for people with knee problems. The lack of ground contact is easy on the knees and provides exercise that you can do for more than just a few minutes. But a swimming pool is a known quantity that offers a calm and clear environment. 

To really give yourself a workout the next you’re spending a week at the beach, get in the habit of swimming in the ocean every day. You can swim for your usual amount of time, but you’ll increase the physical benefits of your workout. Your muscles, hair and skin will thank you for the experience, and you’ll begin to look forward to visiting the beach again.    

Tips to Fight Fatigue

How to Feel More Energetic And Fight Tiredness

Modern-day life is increasingly busy with more and more daily responsibilities. Many people find themselves tired, and at the end of the day, they don’t have the energy to do activities they enjoy. Here are some tips for fighting fatigue and getting more energy. 

Get Enough Sleep

Getting enough sleep is essential for our bodies to function properly with enough energy to make it through the day. It’s important to make sure that you get enough sleep at night, so you don’t feel tired the following day. Making sure that you walk or do another type of exercise each day can improve the quality of your sleep and help you feel more rested.

Take a Break From Screens

Spending a lot of time looking at screens can cause our brains and eyes to become fatigued. This can also lead to poor quality sleep that doesn’t properly refresh your mind. Try taking scheduled screentime breaks, particularly right before bedtime, to lessen the stress on your eyes and brain.

Eat More Frequently

You may be tired because your body needs more energy. We get energy from the food we eat, and if you drink a lot of coffee or have a high metabolism, you may burn through your energy too quickly. You can help keep your body fueled by eating more frequently. Try eating smaller snacks throughout the day.

Drink More Water

Dehydration can cause people to feel very sluggish and low energy. Many people don’t drink enough water, especially since so many of us drink caffeinated beverages that cause dehydration. Try to match each cup of coffee you drink with at least one cup of water to keep your body hydrated.

See A Doctor

If you suffer from chronic fatigue that these lifestyle changes can’t solve, you may need to visit a doctor to diagnose the cause. Sometimes a hormone imbalance or vitamin deficiency can cause low energy levels. A certified physician can run the proper tests to diagnose these issues, help you find the right solution, and get you back to living an energetic life.

How To Deal With Muscle Soreness

Ways to Handle Muscle Soreness

Straining your body with many activities or a rigorous workout routine can leave your muscles feeling tight and sore. While uncomfortable, most muscle soreness is a normal part of the exercise process and signals that your muscles are stressed and are now becoming stronger. However, you can take steps to help alleviate this muscle soreness while your body recovers.

Heat Therapy

Sore muscles can benefit from strategically applied heat. Applying a hot compress to an area where muscles are sore not only feels good but helps to increase blood flow to the area in question. Increased blood flow brings essential oxygen and nutrients to those muscles, giving them everything they need to heal faster.


Like heat, massage is another great way to increase the blood flow to certain areas of your body. This can help muscles heal faster and relax your mind as your body recovers. Make sure you communicate with your massage therapist, so they don’t push too hard on sore muscles. The massage may feel a bit uncomfortable but should not be painful. Too much pain could damage your muscles more and increase healing time. 

Good Nutrition

Making sure your body has the nutrients to help your muscles heal can also speed up the recovery process. In addition to healthy meals that have a range of vitamins and minerals, you should ensure that you get enough protein during recovery. Furthermore, drinking plenty of water is necessary for the healing process. On the other hand, drinking too much alcohol or smoking frequently could lengthen recovery time as your body has to spread its energy between healing your muscles or dealing with other toxins.

Listen To Your Body

The most important thing for building muscle and dealing with soreness is to listen to your body and get enough rest for proper recovery. Make sure to schedule enough rest days and get plenty of sleep to ensure that you can fully recover before diving back into stressful exercises.


Can Sleep Trackers Help You Sleep Better?

How To Use A Sleep Tracker For Better Sleep

Studies have shown that a good night’s sleep is one of the most important parts of good overall health. We know that getting enough sleep improves mental and physical performance, but it’s still difficult for many adults to get good sleep every night.

One approach to getting enough quality sleep is to use a sleep tracker. These devices provide information about how deeply you’re sleeping, how long you sleep, and how much time you spend in various stages of your sleep cycle. This article will give tips on using this information to improve your sleep habits.  

Track Total Sleep Time

Sleep trackers are great at telling you how much time you spent asleep. This is one of the most accurate functions of these devices, and it is a great way to set goals and motivate yourself to go to bed on time and establish good sleep habits. Building awareness around your sleep habits is the first step to adjusting them.

Track Daytime Habits Too

Some sleep trackers will have journal capabilities that allow you to track other habits as well, including water consumption, caffeine intake, stress levels, or physical activity. Tracking these other habits can help you understand what factors might affect the quality of your sleep. Sometimes simply avoiding an afternoon coffee could be all you need to ensure you get a good night’s sleep.

Check In With A Doctor

Sleep trackers can be helpful tools, but they cannot accurately measure every aspect of your sleep health. If you have persistent problems sleeping, check in with your doctor. A trained physician may be able to help you pinpoint the exact cause of your sleeplessness and build healthy sleep habits.

Beauty Tips That Improve Your Health

Ways To Improve Both Your Beauty And Your Health

There are many beauty tips floating around on the internet, promising to make you look younger and more attractive. Many of these tips are effective, but not all the approaches to enhancing personal beauty are beneficial to your health. 

Making sure that your approach to beauty is also good for your health will ensure that solutions are long-term and won’t have any unforeseen negative effects. Check out our beauty tips that will also benefit your health.

Stay Hydrated

Drinking water is not only great for your overall health but can also have many positive effects on your beauty, particularly on your skin. Because of this, it is also important to avoid drinking too much alcohol, which will dehydrate you and have negative effects on your skin health.

Exercise Regularly

Staying active is not only important for cardiovascular health but will help improve the appearance of your body structure and skin. You may think that you need to be super fit to be more beautiful from exercise, but you actually only need 20 minutes with an increased heart rate each day to see the benefits of exercise.

Exfoliate Your Skin

Dead skin cells can build up on your skin and lead to pimples or skin irritation. Exfoliating is great for both your skin health and your physical appearance. Make sure to use a natural face wash each day to help keep your skin clear. You can follow it up with a natural moisturizer to keep your skin looking hydrated and rejuvenated.

Connection Between Health & Beauty

While they don’t always match up, there is a strong connection between health and beauty. A majority of the most effective beauty tips are also approaches to personal care that benefit your health. Be sure to look after your health to keep your body and skin looking their best.

Gaji Tak Cukup! Apa Cara Tambah Pendapatan Yang Halal Eh?

Sebenarnya, nak tambah pendapatan mudah je, jika berusaha!

Pernah tak, akhir bulan je, gaji tak cukup, pastu kena makan Maggi je? Masa tu, mesti lah kita berfikir, kan best jika kita ada pendapatan sampingan yang boleh anda boleh guna untuk menampung perbelanjaan. Selain itu, kita juga perlu sedar, pada masa yang sama gaji minima di KL hanya RM1,200 yang sudah tentu tidak cukup dengan kos sara hidup yang tinggi.

Oleh itu, kita perlulah berfikir cara tambah pendapatan secara halal. Walau dalam masa terdesak, cara kita menjana pendapatan perlulah halal untuk rezeki yang lebih berkat.

Mesti anda fikir, kalau gaji tak cukup, kena cari kerja baru ke? Tak semestinya! Kadang-kadang anda mungkin memerlukan skil-skil tambahan yang penting untuk anda lebih mahir dalam pekerjaan yang anda lakukan. Antara laman web yang anda boleh lawati termasuk iTrain di mana rakyat Malaysia boleh mengambil sijil-sijil profesional yang boleh membantu anda dan organisasi anda bergerak ke arah masa depan.

Adakah anda mempunyai apa-apa hobi? Baking ke? Menjahit ke? Kalau ada, apa kata anda tukar hobi itu ke bisnes sampingan anda sendiri? Pada zaman sekarang, anda boleh mengiklankan bisnes anda di media sosial. Dari baking ke menjahit serta melukis dan sebagainya, semua ini merupakan cara tambah pendapatan yang amat efektif.

Jana pendapatan tambahan boleh jadi mudah!

Kadang-kadang rasa satu kerja je tak cukup kan? Hah, oleh itu, untuk tambah pendapatan, anda boleh melakukan pelbagai kerja sampingan termasuk rider, dropship, e-hailing atau kerja secara freelance yang boleh anda boleh cari di media sosial atau daftar secara online di laman web seperti Jobstreet atau Bora.

Bila dah tambah pendapatan, langkah seterusnya yang paling penting adalah berdisiplin untuk merancang kewangan anda. Untuk itu, anda boleh mengikuti kursus kewangan di mana pakar-pakar kewangan akan memberi tips berguna bagaimana anda boleh menggunakan wang sedia ada anda untuk menambah aset anda.

Ingatlah, sifat paling penting dalam usaha menjana pendapatan adalah untuk sentiasa berusaha dan kerja keras. Bila dah ada duit, sifat komited perlu ada untuk anda elakkan pembaziran wang dan berhutang. Jom, semua, mula berusaha untuk masa depan yang lebih selesa!

If you're spending a lot of time in the sun this Songkran, please be aware of the dangers of drinking while you're out on the beach or anywhere you're getting heavy doses of sunshine.

The Dangers of Sun and Alcohol

Sun and Alcohol are a Dangerous Mixture

If you’re spending a lot of time in the sun this Songkran, please be aware of the dangers of drinking while you’re out on the beach or anywhere you’re getting heavy doses of sunshine. 

Alcohol eases inhibitions. And while this can make people more social and is generally seen as a positive, it can also cause people to lose their self-control. When you’re not self-aware enough out in the hot sun, serious problems can arise that need medical intervention if the problem is not dealt with soon enough. 

Dehydration Danger

People who drink and stay out in the sun are much more prone to getting a serious sunburn because the alcohol dulls their pain receptors. 

But one of the biggest problems from too much alcohol consumption in the sun is the danger of dehydration. Alcohol is a diuretic. It causes the body to sweat and pass urine more often. And a body that has run out of liquid is in danger of heatstroke and exhaustion. 

When we lose our inhibitions and self-awareness, we often don’t realize when we’re becoming dehydrated, particularly when we continue to drink more alcoholic drinks and add to the problem. 

Everyone should learn the warning signs of dehydration and speak up whenever you notice them in your friends and family. The most common symptoms are:

  • Feeling thirsty 
  • A dry mouth, eyes and lips
  • Feeling tired when they shouldn’t be
  • Dark yellow pee that smells strongly
  • Feeling dizzy and lightheaded

If you notice any of these symptoms in your friends or family members, you should be adamant in insisting they’ve had enough fun for the day. Cut them off from any more alcohol and make them drink water until their pee has turned almost clear. They’ll probably thank you for your attention, though it may not be until the next day when they’re feeling better.