Business

老板，这才是人才流失的真相!

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据调查，超过50%的员工把一半以上的精力都花在了寻找下一份工作上…

这句话让很多老板不寒而栗！

内部布局混乱、高管分帮结派；

人才流失严重、企业无人可用。

到底该如何破解企业发展之困？

1.没有一致的利益难有人心的统一

人心不齐是因为利益不一致。人与人之间的矛盾也多源于这种不一致。现实中我们每天都浸泡在这种一致与不一致的纠葛当中，比如毫不相干的两个人组成家庭以后，因为共同目标而心向一处，即便有矛盾也会因为终极目标的一致而积极化解，相互妥协，一致对外，而一旦分道扬镳，不互害就很好了，因为这时他们是在考虑各自的利益最大化。公司就不同，公司的每个成员是怀揣着各自不同的预期走到一起的，试探、观望，以能够达到自己的最大预期为目地，达不到就会走人，老板想什么、公司发展如何都和他无关。传统的组织模式，老板和员工之间是雇佣和被雇佣的关系，利益的关注点不一样。员工只有工资和奖金，公司挣多挣少和他没有什么关系，挣多了老板也不会多分给他，挣少了老板也不敢不发工资给他。他只关心分在他碗里的东西够不够分量，至于锅里还有什么、有多少他不管，也管不着。这种利益的不一致就导致了不同的行为表现，比如，员工每天只工作8个小时，而老板恨不能24个小时都用来工作；遇到问题或者困难时，员工本能的会找借口不去做或者推责任，老板则是本能的去找方法解决问题，甚至于企业面临倒闭的时候，员工可以轻松的转身离开，而老板却无路可走，只有独自承担。

另一方面，因为信任的基础是双方利益的一致性，当利益不一致，老板和员工之间就很难有信任，不仅语言显的苍白，即便把心掏出来员工也未必会信，而没有信任，相互之间也如同隔皮猜瓜一样，猜不准各自的心，要统一就更难。人心不能统一，归根结底是因为利益不统一，那么先解决因自然就会带来果。有一句话叫钱在哪儿心在哪儿，这个世界上人们能看到的最真实的就是钱，所以我们可以尝试用钱这个实实在在的工具把大家拴在一条绳子上，自然就会达到人心的统一。

2.用股权统一个人利益和公司利益

相信大家都看过这样一个段子：新媳妇刚过门那天看见新郎家有老鼠出没，就只是看热闹，洞房花烛之后再看到老鼠就是穷追猛打，怒斥老鼠偷吃她家粮食。这个段子诠释的就是利益一致人心才会一致这个道理。在公司，如果个人利益和公司利益不统一，作为个体就会本能的只关注自己那一块儿，表现上就是到点儿上班，到点儿下班，没有创造力、主动性、责任心，这是最让老板头痛的，怎么办呢？最好的办法就是用股权把个人利益和公司利益统一起来。可以采用自主经营的模式，就是把经营权分一部分给员工，让每个自组织（小组或者部门）自主经营，共享其收益，而不是只有工资和奖金。这样就把公司的利益和自组织的利益匹配起来，让每个人都在为自己做，本质上也是在给公司做，比如稻盛和夫的阿米巴经营，韩都衣舍的小组制，还有中国农村的包产到户也是把土地的经营权放给了农民。还可以采用干股激励，根据业绩共享公司的利润，让关键人员享有股权对应的分红权，晋商的身股就是这样一种分红权。在干股激励基础上还有更好用的方法是增量激励，就是把比上年增加的利润大部分分给员工，没有增加时就不分，这样会鼓励大家关注公司发展，创造更多价值。不管是自组织还是干股激励，都非常简单好用，因为不需要变更章程，作为股权激励的第一步，可以积极去尝试，尤其是针对分支机构、门店、短期项目。但是这些模式最大的缺陷是只能统一利益，不能共担风险，亏了还是公司的，一旦遇到外部环境有重大变化导致公司亏损时，员工不仅不能和公司共担，还会选择离开。所以只可以在短期内使用，不可以长期使用，特别是对关键的核心人员，不仅要能共享，还要能共担，因为所有风险都由老板一个人承担，对公司的长远发展并不是好事。

3.用股权统一近期利益和远期利益

不管是自组织还是干股激励，都只是侧重于统一近期利益，不能和未来挂钩，但是那些核心人员特别是高管，他们更关注未来，如果看不到未来，他们会感觉不踏实。而且如果只有近期利益，没有远期利益，也不可避免的会出现一些涸泽而渔式的短期行为。所以就要考虑在自组织和干股激励的基础上再增加一部分，让他们看到未来。可以使用虚股激励、期权、股权认购、股权众筹等方式实现其享有对应股份的未来的增值权，这就把公司和个人未来的利益统一起来了，从另一个角度看也是把近期利益和远期利益统一了起来，因为收益与付出有时间差，尤其是那些长效性付出。具体操作方法我在以前的文章中也都有论述，这里不再赘述。虚股到一定阶段可以转成普通股，也可以不转，转或不转都能实现近期利益和远期利益的统一。但是期权、股权认购、股权众筹这些方式最大的缺点是需要修改章程，比较麻烦，而且不小心碰到小人的话，也会带来一些无谓的痛苦和消耗。

远期利益一定要和业绩挂钩，特别是增量业绩，如果没有增量，虽然有股份，也还是没有对应的分红权。这样才可以让他们既有安全感，又有使命感，既能鼓励他们不得不拼命为公司创造价值，又能防止他们偷懒、坐享其成。近期利益和远期利益的统一主要是针对核心层，当他们把青春押在这里，公司是应该让他们看到未来的，但是这需要一个过程，需要在公司成熟的时候再采用这种模式，刚开始可通过代持干股或者经营权共享去做。

4.统一了利益就会统一人心

当公司和员工之间的利益高度一致时，统一人心就是水到渠成的事情。

当利益一致时，信任就有了基础，老板和员工之间就很容易建立起信任。信任是管理的基本要素，有了信任，沟通会简单很多，沟通成本也就降低，效率也会提高，在这个基础上推行组织的扁平化，去中心化，也会相对容易，公司的文化建设也会变的简单，这一切都源于利益的一致性。

当利益一致时，也很容易实现员工特别是高管和公司之间的共创共享共担，让每个人发自内心给自己做，把曾经的不可能变成可能，变成人心所向往，不再需要那么多监督，不再有损公肥私的不道德行为，每个人都知道伤害公司也是伤害自己，关注公司就是关注自己。

统一了利益就会统一人心 ，但如何执行又是一门好学问。欢迎参加WMA 的《股权激励与股权设计》课程， 为自己的企业量身定制一套有效调动员工积极性的共赢商业模式！把企业做强做大！欲知更多，请浏览股权激励与股权设计网站。

企业家VS雇员的思维大不同

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在中文里“企业家”的意思有点含糊不清。如果你拥有并且亲自经营一个餐馆，你是不是一个企业家呢？如果你搞了一个只有三个人的创业公司，你也是企业家吗？

在英文中，“企业家”（Entrepreneuer）和“企业主”（Business Owner）其实是两个含义很不一样的词。只要你家里有个什么买卖，哪怕是个纯粹为了养家糊口的小卖部，你就是一个“企业主”，但你未必是“企业家”。二者之间的区别并不在于公司的大小。哪怕你由于什么特权，垄断了某种稀缺资源，根本不需要搞任何创新就能获得很好的利润，那你还是一个成功的企业主，但还不是企业家。

企业家是需要有精神追求

“企业家”，必须有点精神追求，所以才有“Entrepreneuership”这么一个高大上的词。什么叫企业家精神？标题的意思是“疯狂的天才：企业家宣言”。作者 Randy Gage 既不是学者，也不是一个严格意义上的“企业家”，他的主要工作是到各地演讲和写书，忽悠别人创业，告诉别人怎么做好企业家。这个工作听起来不靠谱，但发达商业社会需要很多这样的人，而且人们对他们是买账的。

此书中没有使用任何严肃的研究结果，没有什么新的“干货”思想。但我觉得，他对“企业家的思维方式”的论述，很值得拿出来说。

作者说，世界上大多数人浑浑噩噩，对身边不合理的事物安之若素，其思维方式可以称之为“畜群思维”——他这个词太难听，我们还是用一个好听点的，叫“雇员思维”。与之相对的，则是“企业家思维”。

比如我们平时在机场和银行之类的地方办事，感到效率非常低，办事员明明可以提高效率，但是他职权所在就得这么办，一般人也就无非抱怨几句“官僚主义”。每个人都是照章办事没责任，大家都指责某个神秘的“上头”，这种思维就是雇员思维。

而企业家思维，则是对现状不但不满，而且不服！我不管别人怎么想，我就认为这事不应该这么办，我非得改变。

主动与被动之别

换句话说，这两种思维的区别就在于前者被动，后者主动。

真正的企业家就好像艺术家一样，永远都不会退休。他们永远都有想法！有了想法，什么招聘员工、找投资人、品牌营销这些都是细节，想法才是企业家创业的核心。他们不断产生新想法，不断尝试，失败了就再尝试别的想法，就这么一直干下去。他们要冒很大的风险，但是他们往往低估风险，过度自信，非干不可。

企业家想法的关键，是想象一种不同的可能性。在别人还没想到有这个需求的时候，你已经安排人把这个东西给造出来了。比如说乔布斯搞iPad。之前世界上没有几个人认为自己需要一个iPad，等苹果公司把iPad做出来了，人人都想要一个。

如此说来，现代社会的新发明其实都是被发明了两次。第一次是企业家想出来，第二次是工程师做出来。企业家的任务不是问消费者想要什么，而是替消费者决定他们应该要什么！

作者说，每个公司都有20%的雇员非常懒惰，你就算把股份分给他们，他们也不会好好干活。他们彻底被动，你永远也影响不了他们。

但是有10%的人是即使你不给他们钱，他们也能把事办好，这些人就是天生的企业家。他们哪怕在麦当劳打工，都能主动把店里打扫得窗明几净，还要时不时地给你提各种合理化建议。对这样的人你也没法改变，你跟他们其实不是雇佣，而是合作关系，等他们有了足够经验就会自己出去创业。

你真正能影响的，也就是所谓“企业文化”有用的，是剩下那70%的人。

——他们，当然是最典型的，“雇员”。

雇员是光荣的劳动者

看到这里你可能会有一种感觉，“雇员（Employee）”，几乎成了一个略带贬义的词。事实上有雇员才有企业家，世界上大多数人都是雇员，“雇员”，是光荣的劳动者。但是我敢打赌，随着年龄增长，你会越来越反感“雇员”这个词。

说某某是个雇员，简直就等于说他是个听别人指挥、没有自由意志，必须依托于某个大组织才能生存下去的人。所以对于那些40岁开外的人，你可以称他为领导、老师、工程师，哪怕是“同志”（因为共同的志向走到一起来了，显然是合作关系），甚至“师傅”（对他专业技术的敬意），但是千万别强调他是个“雇员”。

不过现在是互联网时代，雇员和企业家其实已经没有那么明显的分界线。一个具有现代化管理思维的企业，可以充分调动员工的自主能力，雇员完全可以根据自己的想法改变企业。如果公司政策得当，这种合作关系也许可以一直持续下去，未必非得都出去自己创业。

并不一定是你非得自己拥有一个企业才需要“企业家思维”，每个人都应该有一点企业家思维。一个教授带五个博士生，其中四个人老老实实等着教授给安排任务，一个人整天出新想法，甚至给教授提各种要求，你猜谁将来能自己当教授？

文字来源：济南天若有情

扎心了老板！你的员工是不是：

1. 目标讨价还价，利益你争我抢

2. 部门各自为政，互相推诿扯皮

3. 不放权不积极，一放权就乱搞

4. 老人坐吃山空，新市场无人做

5. 成本浪费严重，没人关注利润

6. 工作散漫懈怠，组织效率低下

7. 只看个人利益，不管公司死活

是不是尝试过：

打鸡血、灌鸡汤，洗过脑、树榜样，谈使命、讲理想，抓考核、扣罚奖……没有用不说，搞得老板筋疲力尽，员工怨声载道！

员工没有积极性，根本上就是，要么分钱不够，要么分配不均！

企业最重要的工作就是解决利益一致的问题！

如何建立共创共赢、长期恒定的利益分配机制？

如何让员工主动加任务、提目标？

如何让员工自发降成本、要利润？

如何让员工不争资源，减少内耗？

如何让员工自己给自己干？

如何让企业自动运转？

答案是：自主经营与增量管理

什么是自主经营与增量管理？

公司将战略目标分解到各个部门，通过回归经营权，各部门自主经营、独立核算、自负盈亏，目标同增量相关联，自我复制，优胜劣汰，实现公司利润增长和员工成长，共创未来

学会销售神技，你也可以当销售高手！

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洗脑级别的销售神技，让客户无法拒绝你的产品！

从今天起，不被再抱怨产品卖不出去了，从今天起，让客户无法拒绝你的产品，从今天起，掌握到这些销售神技，成为销售达人绝不是什么问题。

1.当客户说：“我没时间！”

2.当客户说：“我现在没空！”

3.当客户说：“我没兴趣。”

4.当客户说：“我没兴趣参加！”

5.当客户说：“请你把资料寄过来给我怎么样？”

6.当客户说：“抱歉，我没有钱！”

7.当客户说：“目前我们还无法确定业务发展会如何。”

8.当客户说：“要做决定的话，我得先跟合伙人谈谈！”

9.当客户说：“我们会再跟你联络！”

10.当客户说：“说来说去，还是要推销东西？”

11.当客户说：“我要先好好想想。”

12.当客户说：“我再考虑考虑，下星期给你电话！”

13.当客户说：“我要先跟我太太商量一下！”

作为经销商，最怕的事情是被客户营销，甚至被客户“洗脑”。

彻底进入客户的节奏，这样的话彻底失去主动权，那就白瞎了！

如何做？很简单！这样给客户反“洗脑”。如何做到反“洗脑”？其实也很简单的，大致有以下几点可以有效的反“洗脑”。

1.坚定回答客户的疑问

或许我们在成交订单前都是要面临着大大小小的疑问，尤其是一些大客户问题更是多如牛毛的，甚至会让你厌烦了，这个时候我们一定是要做好准备，正确且耐心地回答好客户的问题，要是你没能做出良好的应对，只会被用户的思维牵制。

比如：客户常常说太昂贵了。销售可以详细的说明下，产品贵的原因。例如说明产品的配件等质量非常过硬，有多年的生产经验，在使用的过程中很多配件不容易坏，客户可节省使用过程中很多修配方面的投入等等。

2.给客户“洗脑”，需要主动出击

作为一个销售高手一定是要懂得如何进行察言观色的，比如说客户想知道的东西是什么，最为关心的一些信息是什么，还有用户的心理，都是要做好功课的，有时甚至需要临场应变。

千万别等着客户挑剔完了，然后你乖乖听着客户的话，这样你就失败了。所以，销售一定要主动入手，充分将正确解决好客户的问题。

3.千万别被客户拒绝吓坏

或许我们常常在卖货的时候，会遇到客户在找你产品的毛病，以及缺点，对于这样的话，我们一定是要做好相应的淡定的准备，一定是要沉住气，不能一听到客户说了要拒绝的话，而马上用折扣来留住客户，那么往往会让自己的货降值了，这样很容易让客户失去购买的兴趣。

因为我们都是要知道，“好货不便宜，便宜没好货”。要是这个时候你给客户爽快的打折的话，那么必然会让客户觉得你这个货肯定不是什么好货了。因此我们在面对客户找你产品的毛病，以及缺点时，千万别被客户的拒绝吓破胆了，沉着气就能挺过去了。

4.借用专家说法

人们对专家有一种盲目的信任和服从，这一点在海尔格拉姆著名的电击实验中已经得到了证明。在我们的生活中也如此，比如，每次遇到重大的流行性病毒传播造成公众恐慌的时候，就有媒体请专家出来发表看法，以化解公众的不安情绪。

所以，要给别人洗脑，最简单的策略之一就是直接引用专家的说法。以数字主导式的表达方式阐述观点。专家们说话时有一个常用的套路， 比如医学专家经常这么说： 要看一个人的身体是否真的患了癌症，主要看5个关键指标。

营销专家经常这么说：要看一个营销策划是否成功，主要看4个方面等等。是不是就觉得他们的思路很清晰，思维很全面很有深度了呢？如果是，那么恭喜你，你已经中了专家的圈套了，等着被洗脑吧。

5.设立针对性的评判标准

什么意思呢？就是要给你的客户人为的设立一个评判商品好坏的标准。比如聪明的护肤品，会在客户来店看车时候，告诉他买护肤品时应该如何选择，衡量标准是什么等等。这样，根据你的评判标准来看，你推荐的产品样样达标，无可挑剔，客户瞬间就被反“洗脑”。

6. 现场进行直接的可视化验证

百闻不如一见嘛！要让自己的说辞更有说服力，必须提供看得见摸得着的可视化证据。最简单的就是朋友圈的客户反馈截图，内容都是对产品的使用体会。如果你是一位新客户，看到这些真实用户对产品的评价，那么在进入你的朋友圈，开始关注这些客户评价时就已经开始被你“洗脑”了。成交自然更容易简单了。

市面上营销技巧基本都是以人性为基础，营销技巧会随市场、环境而不断变化，但人性是不会改变的！

投资理财中的五个“NO”!

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很多人要想在理财方面如鱼得水，并且能做到控制风险，获得稳健收益，最重要就是具备一定的投资理财知识。确实如此，但是除了有丰厚的知识，更重要的是谨慎做到以下五“NO”。

​第一的“NO”：勿投资那些自己根本不懂的领域

不少投资者上来就问“我想参与买股票，您给我讲讲怎样才能提高中签率吧”，“我想投资期货，该怎样开户操作呢？”其实提出这些问题的用户，自身对涉及的领域知之甚少，或者根本不懂，只是听说这些投资收益高，目前有不错的投资机会，看着“眼馋”，所以也不管什么风险不风险的。让大家伙儿说说，这样下去不是坐等亏损是什么？看不懂的坚决不买，否则资金将会面临很大风险。

​第二的“NO”：不要轻信销售人员推荐的“低风险高收益”产品”

有些销售人员为了业绩，会打着“保本保息”、“零风险高回报”、“年化收益率高达30%”等旗号来吸引投资者的注意。但越是“安全”或“高收益”，投资者就越要小心，谨记小心投资哪些看起来又无风险、又有高收益的产品。

​第三的“NO”：不要跟风投资

比如最近票据理财产品收益挺高，身边也有不少人都买了，我买点儿吧！股市有好起色了，赶紧开个户……这种跟风似的投资方式，看似涉及了不同领域，但是真能赚钱吗？真的能分散投资风险吗？最重要的是，你真的了解这些产品吗？如果投资总是抱有人家买什么我也买什么的投资态度，保证离你越来越近的不是财务自由，而是风险，这一个新手投资者一定要特别记住。

​第四的“NO”：不要把资金投资在投向不明的产品中

投资者在选择产品时，一定要了解资金投向，从而来确定风险。对于那些资金投向不明的理财产品，不要购买。在现实中很多产品销售人员为了让投资者买产品，会避谈资金投向，因此建议投资者，销售人员没有讲，我们自己要看清楚产品的介绍或者说明书，明确掌握资金的具体流向，才是个精明的投资者。

 

​第五的“NO”：绝不借钱做投资

很多人看到有投资机会不会轻易错过，哪怕手头儿没钱也得向亲朋好友借或是利用信用卡的免息期，甚至不惜铤而走险，借钱炒股，这显然是一种非常不理智的行为。任何投资都有风险。如果用于投资的钱是自己的，即使是亏损，大不了是长教训，心疼而已，无需承担后续责任，倘若是借来的钱发生了亏损，不但要用更多的钱去偿还，日后的负担也会更重。

一员工提出辞职，老板问了他一个与离职无关的问题

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一员工工作三年，总感觉到吃苦受累，而且前途暗淡，迷茫中他决定请辞。

了解情况后，老板问他，“你知道毛毛虫是怎么过河的吗？”员工给出了三个答案：

员工说“从桥上过”，老总摇摇头说：“没有桥”。

员工说“从叶子上过”，老总说：“叶子被水冲走了”;

员工又接着说“被鸟吃到肚子里就过河了”，老总强调：“那样的话，毛毛虫就死掉了，也便失去了过河的意义。”

那么毛毛虫究竟是怎么过河的呢？

最后老总告诉员工说： 毛毛虫要想过河，只有一种方法，那就是变成蝴蝶。毛毛虫在变成蝴蝶之前要经历一个痛苦的阶段，它在一个茧里面，暗无天日、没吃没喝。这种痛苦要经历很长一段时间。

如果你也在想辞职，那么请先审视自身：是否已经有了蝴蝶飞翔的本事！

跳槽穷半年，改行穷三年。

献给每天喊辞职、想辞职的人或周期性喊辞职、想辞职的人！

1.不要轻易离开团队，否则你要从零做起。

2.不要老想着做不顺就放弃，哪个团队都有问题，哪个团队都有优点。

3.跟对领导很重要，愿意教你的，放手让你做的领导，绝对要珍惜。

4.团队的问题就是你脱颖而出的机会，抱怨和埋怨团队就是打自己耳光，说自己无能，更是在放弃机会！

5.心怀感恩之心，感谢系统给你平台，感谢伙伴给你配合。

6.创造利润是你存在的核心价值，创业不是做慈善。

7.遇到问题请先思考，只反映问题是初级水平，思考并解决问题才是高级水平。

谁能最后享受到胜利成果？

第一：能始终跟着团队一起成长的人。

第二：对团队的前景始终看好的人。

第三：在团队不断的探索中能找到自己位置的人。

第四：为了团队新的目标不断学习新东西的人。

第五：抗压能力强且有耐性的人。

第六：与团队同心同德、同舟共济、同甘共苦的人。

第七：不计较个人得失，顾全大局的人。

第八：雄心博大，德才兼备，有奉献的人！

学会说话，给人温暖，给人鼓励，给人赞美，

给人信心，给人方便，给人希望，给人智慧！

不管你在哪里上班，请记住这些字！

第一则：工作不养闲人，团队不养懒人。

第二则：入一行，先别惦记着能赚钱，先学着让自己值钱。

第三则：没有哪个行业的钱是好赚的。

第四则：干工作，没有哪个是顺利的，受点气是正常的。

第五则：赚不到钱，赚知识；赚不到知识，赚经历；赚不到经历，赚阅历；以上都赚到了就不可能赚不到钱。

第六则：只有先改变自己的态度，才能改变人生的高度。只有先改变自己的工作态度，才能有职业高度。

第七则：让人迷茫的原因只有一个——那就是本该拼搏的年纪，却想得太多，做得太少！

送您一个字：干！

 

创业企业运用利润分红方式吸纳人才是可取的,但是公司初创没利润，怎么分？这也是在做前期激励需要考虑的。建议是没钱时分希望，企业稳定后才开始分红利，这样才能达到永续发展的境界。

企业在不同的发展阶段该如何进行股权激励？欢迎参加WMA 的《股权激励与股权设计》课程， 为自己的企业量身定制一套有效调动员工积极性的共赢商业模式！把企业做强做大！欲知更多，请浏览股权激励与股权设计网站。

找份合适工作才能让你活得精彩

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大学的时光是那么无忧无虑，然而，步入职场两三年，总是觉得步履维艰。以上的职场心情，也发生在你身上吗？若有，到底该怎么做才能够轻松而活？

有人说：刚开始上班两三年，是人生的分水岭；

少了些幻想，多了些实在；少了些幼稚，多了些成熟；少了些依赖，多了些独立；

少了些天真，多了些现实；少了些感性，多了些理性；少了些奢求，多了些追求；

少了些茫然，多了些实际；少了些浮躁，多了些淡然；少了些脆弱，多了些坚强。

总之，刚开始工作两三的职场生活，感觉活得越来越累。

把握好人生分水岭

其实，刚开始上班两三年要面临许多问题，包括感情、事业、生活还是自己，你都要很好地选择。记住：人生是单选题，选择你所选择的，放弃你所放弃的，才会活得轻松、自在。上班前，你可能执着某件事，夜晚睡梦中憧憬著明天；但当刚开始工作两三年，你要想清楚，那些梦想是否不切实际，你有必要找到适合自己的路，这样，才能早一日步入成功的港湾。上班前和刚开始上班两三年，你会有对世界不同的看法，你会从崇拜他人，到学习欣赏自己，甚至了解气质、风度、胸襟和内涵才最为重要。你不再是一个单纯的少年了，有必要为未来考虑。因为刚开始上班两三年是人生的分水岭也是关键的时刻，可以决定你的一生，成败也可以因此拉开。

勇于承担成就未来

每个人在刚开始上班两三年，必定会遇上很多难题考验，就算不必为买房子、吃穿发愁，但总有些东西是他希望得到却得不到的。 没有人会一直仅仅满足於上班之前的生活，他们会要求更高。工作上要升职加薪、对象要百里挑一……这样，他们才会有优越感，才会让別人更看得起他。但这种优越感，不是谁想要就能拥有的。

上班之前一无所有，那不是你的错，刚开始上班两三年，如果还身无分文，那就是你的错了。当然，不光要物质上富有，精神上更要充实。 物质上的财富有可能转瞬即逝，精神上的财富却可以天长地久。明白了这些，刚开始上班两三年的我们就要勇於承担，固然会活得累一些，但会其乐无穷，毕竟有所成有所不成。否则，碌碌无为，谁想过那样的人生呢？

创造自己想过的生活

一个刚工作一年的女孩想转换工作，別人问她原因，她说：“在原先的公司没有取得成就，怕会浪费青春。”的确，如果我们茫然地生活下去，未来只会混沌一片。我们有必要过好自己的人生，刚开始上班两三年是人生的分水岭，可以左右你的一生。这时候，不能以再像以前那样不谙世事了，但也不要让自己活得很累。因为，上班阶段没照顾好自己，老年时就会发现年轻时错过了很多而后悔不已。所以，年轻的上班族有必要明确自己的价值观、人生观。如果无法明智地做好选择，就会误入歧途。只有好好地思量抉择，有了明确的方向，之后才会干劲十足地冲刺，而且不会活得太累。

温馨提示：

从学习生涯转换成职场地带，其中的很多方面都要发生改变，你有必要做明确的选择了，因为它可以决定你的一生，而此刻人生观、价值观都会得到充分体现，若是选择错了，会活得很累且看不到未来人生。

Malaysia’s economy to moderate to 4.7%, World Bank

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The World Bank expects the Malaysian economy to ease to 4.7 percent prior to normalising to five percent next year.

In its East Asia Economic update, the bank noted that lower oil prices will dampen growth via delays in capital expenditures in the oil and gas sector, which is a key driver of the recent investment boom.

“Private consumption will moderate on tighter credit and a small impact from the introduction of the Goods & Services Tax (GST), before rebounding in 2016,” it said.

“A slight uptick in inflation is therefore expected despite low readings in the first half as lower oil prices are reflected throughout the economy.”

World Bank also expects current account to narrow, “although upside is possible if manufacturing export growth retains momentum from the fourth quarter.” It noted that soft oil prices were the key risk to near term growth, external and fiscal accounts.

“Although the government announced a slew of expenditure cuts to remain on a consolidation path, over a fifth of revenues depend on oil, including a yearly dividend from Petroliam Nasional Bhd (Petronas).”

It added that if prices of oil remain low, Petronas will be hard-pressed to maintain this dividend, particularly if it is to continue its large investment program.

Other risks include weakness within the global economy which could dampen export demand, renew volatility in capital flows as well as the realisation of contingent liabilities that have increased since the global financial crisis, it said.

Malaysia’s favourable economic prospects will support household income growth, albeit falling palm oil revenues will pose a challenge to smallholders’ livelihoods.

“While the introduction of GST may impact low-income urban households, most goods consumed by this group have been exempted or zero rated…Therefore, household income growth will remain on an upward, if somewhat slower, trend, with the share of the population earning less than US$4 (RM14.08) per day expected to decline further,” it said.

Resources:propertyguru.co

New development in Tropicana will appeal to first-time buyers, investors and those looking to upgrade

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RESIDENTIAL property projects focused on lifestyle are all the rage and this is usually reflected in its top-of-the-range common facilities.

In this, the upcoming Lumi Tropicana does not fall short.

In fact, the developer of the project, Thriven Global Bhd (formerly known as Mulpha Land Bhd), is aiming to take the concept to a whole new level.

“Lumi comes from the word ‘luminous’, and we see that word encompassing many of the elements that make up a quality lifestyle,” said group managing director Ghazie Yeoh Abdullah.

“We see ourselves offering a complete package that features an Australian lifestyle, which we consider ideal in balancing quality with practicality and sustainability,” he explained.

One of the services that Thriven will offer residents once they have moved in following Lumi’s completion in 2019 are housekeeping services.

This will be provided through a Thriven subsidiary company, bringing real meaning to the term “service residences”.

Ghazie seen here with the model of Lumi Tropicana, which Thriven’s kickstarter project for its Lumi Collection that focuses on affordable luxury.

Ghazie seen here with the model of Lumi Tropicana, which Thriven’s kickstarter project for its Lumi Collection that focuses on affordable luxury.

On top of that, they will also offer concierge services and rental management.

With this load off residents’ minds, it is likely they will have more time to use the various facilities that Lumi Tropicana has to offer, including a 190m long pool and a private 1.2ha podium rooftop park with rock climbing features and sunken tennis and futsal courts.

Lumi’s four 35-storey residential towers will also feature different facilities according to each block’s theme, namely Play, Action, Wellness, and Business and Lifestyle.

Ghazie said that the Play block would come with facilities suitable for families with children such as a kid’s jungle gym, study room and fully-equipped music room while Action features a squash court and table tennis, among other things.

Wellness will be the home for the gym, yoga and pilates zones and a self-spa section, while Business and Lifestyle will feature a fully-equipped conference room, meeting room, wine and cigar lounge as well as sky dining.

Units come in three categories featuring the smallest, a 80sq m two bedroom and two bathroom layout to the 206sq m three-plus-one bedroom and four bathroom unit featuring a large balcony.

“Each of the 744 units will be equipped with kitchen cabinets, hob and hood, wardrobes, air conditioning, shower screen, plaster ceiling and lighting and owners will find many of our signature touches in small details throughout their units,” Ghazie said.

Lumi Tropicana’s show units are done up in neutral tones.

Lumi Tropicana’s show units are done up in neutral tones.

He also said that Lumi took pride in offering affordable luxury, which meant rather than focusing on solely on expensive feature such as marble floors and such, they would also emphasise quality and practicality.

“This allows us to transfer the savings to other parts of the unit,” he said, adding that they would also offer furnishing packages for an additional sum.

Ghazie also said that with its location in an established neighbourhood, the project would be surrounded by various amenities including a golf course, an international school and several malls.

An LRT 3 station is also scheduled to be located right beside it.

He said the take up rate for the first two blocks, Play and Action, had been very encouraging.

Buyers range from those in their 30s to retirees in their 60s.

They include first-time buyers, investors and those looking to upgrade.

The sickle-shape block arrangement for Lumi Tropicana ensures all residents have unobstructed views. — Photos: RAJA FAISAL HISHAN/ The Star

The sickle-shape block arrangement for Lumi Tropicana ensures all residents have unobstructed views. — Photos: RAJA FAISAL HISHAN/ The Star

“We hope to be able to launch the third block at the end of the first quarter of next year and the final block at the end of 2016 or early 2017,” Ghazie said.

He added that prices for Lumi Tropicana started from RM900 per sq ft.

Lumi Tropicana will also include SOHO units and retail lots. The latter will not be sold but managed by Thriven’s subsidiary so that the tenant mix can be controlled and they are able to bring in businesses to add value to the property and the lives of its residents.

Ghazie also said that they expected the project to be completed by the middle of 2019 as construction started in the middle of November.

Lumi Tropicana is the first of Thriven’s Lumi Collection, a series that they intend to develop into a full-range hospitality management brand.

Resources: starproperty.my

King of the Hill

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Introducing 8Kia Peng, I-Bhd’s gift to Kuala Lumpur, that exudes class, elegance and prestige.

8Kia Peng stands tall above the rest and is a single tower block with CONQUAS compliance standard.

8Kia Peng stands tall above the rest and is a single tower block with CONQUAS compliance standard.

Tucked away on the prime terrain of Kuala Lumpur is Jalan Kia Peng, a road that is filled with historical essence dating back to the golden days of ‘towkay’ Choo Kia Peng, which the road is christened after.

The exclusive stretch was also home to many of Malaysia’s elites, including the country’s founding father, Tunku Abdul Rahman. This was aside to Jalan Kia Peng being selected as a premier location, where royalty often stayed during their visits to Kuala Lumpur, with some popular landmarks such as Istana Hinggap Terengganu, Istana Johore, as well as Istana Kelantan.

Today the semi-circular Jalan Changkat Kia Peng is lined with several chic and vibrant high-rise offerings juxtaposed against the age old bungalows providing breathing area from the hustle and bustle of the city, placed delicately within the city centre. Jalan Changkat Kia Peng is also home to several international embassies such as the South African Embassy and Philippine Embassy.

80% of the units offered at 8Kia Peng have direct views of the Petronas Twin Towers.

80% of the units offered at 8Kia Peng have direct views of the Petronas Twin Towers.

Stepping upon this territory of such distinguished lineage is I-Bhd’s pioneer Kuala Lumpur project, 8Kia Peng, dubbed King of the Hill. The development is one of the newer luxury additions to strut into this pioneer neighborhood of Kuala Lumpur and will offer a freehold 50-storey tower built upon a 1.05-acre peak. The development will offer 442 units in total, with 315 of those units sold as service apartments and the rest offered as small office home offices (SoHo).

8Kia Peng is a high-end development in the city by I-Bhd, the people who are currently building a city – I-city in Shah Alam. 8Kia Peng will establish I-Bhd as a high-end developer. Adding to that, 8Kia Peng will also be CONQUAS-compliant.

8Kia Peng is positioned above the rest, with its lowest unit located at level nine, 56m above the bustling Kia Peng, and equivalent to an 18 level tower that stands on this road.

Each unit within this residence is also designed to enable its residents to enjoy the natural vistas of the surrounding Kuala Lumpur city centre skyline.

Residents of 8Kia Peng can relax at the facilities deck while enjoying majestic views of KL city.

Residents of 8Kia Peng can relax at the facilities deck while enjoying majestic views of KL city.

The development is targeted at those looking for unobstructed views of the Petronas Twin Towers, as 80% of the units featured within the 8Kia Peng development will have a direct KLCC view which includes majestic views of the twin towers as well as the Kuala Lumpur Central Park.

The unit sizes available within the 8Kia Peng development range between 718 sq ft and 1738 sq ft with two bedrooms dedicated to a unit. The layout is ideal for own stay, or even double up as holiday homes that can accommodate family and friends.

Each prestigious unit of the 8Kia Peng development is also designed to befit the ‘life of a suitcase’ lifestyle, as each unit featured there is fully-furnished and presented in a ready-to-move-in condition. This is a rare feature of this property as many residences in the vicinity are fully fitted but only partially furnished.

Owners and visitors into the residence will be greeted by the prestige of a five-star hotel with the grand double-ceiling hotel lobby design that drape the walls of the reception. Residents can also hold private events at the sky lounge on 46th and 47th floors of the residence. The facilities floor takes centre stage as it allows for almost an entirely exposed deck-space embodying a water body, while offering breath-taking views of the neighbourhood as well as KLCC in the foreground.

I-City is a RM9bil integrated ultrapolis development spread across 72 acres of freehold land in section 7, Shah Alam the capital city of Selangor.

I-City is a RM9bil integrated ultrapolis development spread across 72 acres of freehold land in section
7, Shah Alam the capital city of Selangor.

Cleverly selecting plant species to carve out private spaces, residents are able to enjoy floating chill-out-decks, lounges, as well as secluded corners especially dedicated to
a jacuzzi, as well as water therapy and an infinity-edged pool.

Proud owners of this property need not worry about feeling secure at 8Kia Peng as the residents are ensured privacy with the security features as well as dedicated lifts to respective floors.

8Kia Peng is located within the Zone 1 of the Golden Triangle and is surrounded by some of Kuala Lumpur’s most popular landmarks, such as the Petronas Twin Towers, as well as Pavilion Mall and Suria KLCC. The residence is also located within close proximity to five-star hotels, such as Mandarin Oriental and Grand Hyatt. For the health conscious, Prince court Medical centre is also located within a short walk away.

The development is also easily accessible via road, MRT, LRT and monorail, aside from overhead bridges that are all currently in place.

The RM829mil development is affordably priced as compared to similar developments launched nearby at just RM2,300 per sq ft. The creation of 8Kia Peng – the King of the Hill – has always revolved around its address and is all still about the address.

Resources: starproperty.net

10 Things Productive People Do Before Bed

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The most productive people all have certain habits in their daily routines that contribute to their success. They understand that their success starts and ends with their mental and physical health, which is almost entirely dependent upon their habits before bed time.

So, here’re 10 things successful and super productive people do that leads them being in the top 20 percent of money earners in our society

1. They review their day

Steve Jobs was a strong proponent of living life to the fullest every day. He wonderfully explained this concept when he said: “Being the richest man in the cemetery doesn’t matter to me. Going to bed at night saying we’ve done something wonderful, that’s what matters to me.”

All successful and wealthy people, before going to sleep, they think about if what are doing has meaning. At the end of each day, they think about how have positively contributed to the world and review if the goals achieved are in line with their overall vision. Thus, they make plans to track their progress and take notes to put the best in every single things they do.

So today, before going to sleep, review your day because it will force you to clarify what you want and motivate you to take action on your goals.

 

2. They write down their thoughts

Emmy-winning talk-show host Ellen DeGeneres used to write down her thoughts, feelings and emotions when she was younger:  “Writing is truly cathartic, because it just lets it all out and brings the best out of you”.

Super productive and successful people write down their thoughts,  sensations, feelings and emotions. They try to analyze when and why things went right and wrong. They write to improve their communication and thinking skills to be a better leader. So, by writing things down you can help yourself to sharpen your thinking, clear your mind, destroy negative self-talk and pay attention to your most dominant emotions through the day. Journaling may tell you something that you haven’t really paid much attention to about yourself or about your life.

People like Theodore Roosevelt, Thomas Jefferson, Charles Darwin, Benjamin Franklin, Andrew Carnegie, Ralph Waldo Emerson and Winston Churchill kept a diary, so why not giving a shot?

 

3. They stick their noses into books

This is the proof that readers are great leaders. Microsoft billionaire Bill Gates is an avid reader. Each night before bed, he spends an hour reading a book, ranging on a variety of topics.

Many successful people in the world are voracious readers. They read at least for 10-20 minutes before going to bed every day and they learn from what others talk about. They expand their know-how to be better prepared to lead and motivate their team and build multimillionaire businesses.

Another big benefit from sticking your nose into a good book on a nightly basis is because reading  improve the long term health of your brain.

 

4. They set priorities for the next morning

With so many things happening on a daily basis it can be really easy to lose focus on what you are trying to accomplish. That’s why, before bed time, productive people review their schedule and plan for the following day.

They make a list of everything they have to do and before they start working they set priorities on the list. This allow them to go into the next workday feeling better prepared, more confident, and less stressed. Include this life-changing tip in your daily routine by writing down your top 3 to 5 most important tasks you need to do the next day. If for any reason you don’t do this, it should be the first thing you do every morning. And remember, every minute spent in planning saves 10 minutes in execution.

 

5. They spend quality time with family

“A man should never neglect his family for business.” -Walt Disney

Totally true! You have to spend quality time with your family in order to get connected and stay connected. Life is really hectic, and whatever you are an entrepreneur or an employee it always feels like there are a million things to do and the clock is against you.

But it’s really important to treat time with your family as a priority. So spend more time having meaningful conversations with your children, siblings or parents. Turn off the TV, eat dinner with your family and talk. The more time you spend together, the better chance you have of sharing quality experiences.

 

6. They get things done

Super productive people use their skills, talents, energies, and knowledge to the fullest extent possible. They do the things that need to be done, not just the things they like to do. They are willing to work hard and to commit themselves to getting the job done by the end of the day.

Nobody knows this better than US President Barack Obama that start the day the night before. When he awakens at seven, he already has a jump on things. We all have 24 hours and you need to use your time wisely, that’s why successful people squeeze the most out of those 24 hours as they can.

 

7. They do a digital detox

After being collapsed to the floor from exhaustion and lack of sleep, Arianna Huffington has been an evangelist for “unplugging”. In her best-selling book Thrive, she shares the importance of disconnect from our hectic life, relax and take care of our body and soul, redefining what it means to be successful in today’s world.

So, every night before bed, put your phone in another room, turn off the Tv and spent some time in stillness. You will feel your energy soar and overall health improve. In addition, you will have more time for other activities you really enjoy.

 

8. They spend time in nature

There is no greater example than Sir Richard Branson. However as Branson has demonstrated throughout his hectic business career, that doesn’t mean you have to cut out the things you enjoy most in life. To be refreshed and ready for anything, you need to find time to go in nature and have fun.

If you can’t swim in the crystal clear water of the Caribbean, having a walk routine could be a perfect way to turn off your thoughts about work after a stressful day and reflect on different things that interest you or to just empty your mind and enjoy the silence.

 

9. They meditate

Russell Simmons, Tim Ferriss and Oprah Winfrey, just to name a few, all meditate in the morning and before bed to perform to their full potential throughout the day. In fact, when our mind is more relaxed we are more receptive to ideas and find even easier to focus on frustrating tasks.

So set aside 10 minutes each day before going to sleep to meditate and let your thoughts flow naturally. The next day you will be more energetic, focused and productive.

 

10. They envision their future

Many successful people take a few minutes before bed to envision a positive outcome unfolding for the projects they’re working on. Oprah Winfrey is one of the world’s super productive people who use visualization techniques to picture tomorrow’s success and get clarity on challenges and obstacles. So, spend a few minutes each night visualizing yourself as successful the next day. This will help motivate you to make it happen because you’ve already seen it in your mind’s eye.

If you can develop these 10 habits of successful people you will increase your productivity overnight and your life will be a lot better. So, what successful habits do you practice before going to bed?

Resources: lifehack.org