Before You Leap As Guarantor

I received a call from my dad this morning
saying that finally he decided to get the
ISUZU DMAX. He is self-employed and
consider his age nearly 55, the bank
required him to get a guarantor for the
hire-purchase contract.

I used to have a wrong definition regarding
guarantor until I read an article recently.
Guarantor is more than just a prove of
good character to someone. We ought to
know the obligation and rights for a
guarantor before we agree and sign on
the agreement.

WHO CAN BE A GUARANTOR?

Anyone can be a guarantor as long as
the person can meet the legal requirements
to be a guarantor. However, since a guarantor
would be liable to pay the debts of the borrower
in the event the borrower defaults, you
should consider becoming a guarantor only
if you are sure that you can pay the debts of
the borrower in the unfortunate event that
he/she fails to do so.

The legal requirements of a guarantor include
the following:
• Must be 18 years old or above
• Must not be a bankrupt
• Must be of sound mind and have the mental
capacity to understand the guarantee document
and the responsibilities and obligations of a guarantor
• Must have freely consented to being a guarantor
(i.e. should not have been forced or must not have
entered into the contract under undue influence,
fraud, misrepresentation or by mistake)

To apply as a guarantor, he/she needs to provide
the finance institution with the following
documents:
1. Copy of I.C and driving license
2. Latest three months' salary slip
3. Latest three years' Form J and EA Form
4. Copy of bank statement or savings passbook

Nevertheless, the final decision whether or not
to accept you as a guarantor lies with the
financial institution. Click here for more
information on hire-purchase and here on guarantor.

Health & Fitness Goal

Recently,the topic of fast
foods has been highlighted in
news report and other local
press this past week. The fast
-food industry has been blamed
for many lifestyle-related
diseases.

In fact, more and more people
having the awareness being
healthy. There are plenty of
seminars, workshops available
to educate and improve our health.
There are MLM companies making
a lot of money in selling health products.

The way I define health is the ability to
balance between body-mind-spritually.
It is always my intention to achieve a
balance between these areas. Based on
the above, I have created a to-do-list
for myself.

1. Sleep early and wake up ealier
2. Eat more produce, less product
3. Reduce the intake of fast food,
take more organic food
4. Continue to educate myself on health
living, figure out the improvement areas,
create the awareness among the people
living together.
5. Exercise regularly - jogging twice a week.
6. Don't worry, be happy.
7. Get rid of bad habit - biting fingernails.

Inline with the Government’s efforts to
promote a balanced diet as part of
healthy living, do have a review on
our health. Let's move forward with
a goal and create a to-do-list so that
we can be more healthy, more vitality
and more energetic this year.

Be On Your Own

This morning when I flipped
through the notes taken
during one of the training
session I attended last year,
I was caught by these words
again.

Be on your own!

I think most of us familiar
with the phrase. We need to
move forward in life, we need
personal development. Be on
your own - is one of the key
principles for effective
personal development.

There are plenty of books,
training sessions out there
that provide you with useful
ideas or skills but you decide
what you learn, use or reject.

Mentor is another important
resources in providing unbias
opinion and valuable advise.
But at the end of the day, the
main influence is you. You
are your own trainer and
motivator.

Run the race of your life on
your own. It is you choice,
it is your victory, and yours
alone. When you cross the
finishing line because you
choose to win on your own.
Life is truly a do-it-yourself
experience.

Better Way To Use Cellphone

An article was sent to me by a
friend of mine that concern about
my complaint on the cellphone
recently. It is about a more
convenient, healthier and better
way to use cellphone.

Cellphone is so common nowadays.
Cellphone makers come out with
more and more sophisticated phone
every few month. Most youngsters
having cellphone, even some of the
primary school children carrying a
phone to school.

We cannot deny the benefit and
convenience that cellphone bring to
our daily life. However, there are
some concern on the effects of
cellphone radiation on human health.
At this moment, there are few
conclusive studies to prove or
disprove on the theory.

In my personal experience, I did
feel the cellphone is emitting heat.
It causes muscle pain when I place
the cellphone in my pocket. Imaging
when we use the radiation emitting
device to our head for hours per week
could have health consequences.

Therefore, it is recommend to use a
hands-free headset. I think it is a lot
more convenient to have our hands
free while taking especially during
driving. More safer and definitely
will reduce the potential health risks.

Goal Setting "Ready-Fire-Aim"

Today is the 3rd of February 2007.
Have you set your goal for 2007?
Or you still wondering what goal to be set?

Goal setting is not an easy task, sometimes
it gives a lot of headache to set a reachable
goal. I faced the same problem while I was
in my early twenties, I am not sure whether
I should think big or I should start from small.
I started to search around for more information.

In general, goal can be categorized under:
1. Health & fitness goal
2. Family & relationship goal
3. Time management & organizaion goal
4. Personal finance goal
5. Career goal
6. Education & training goal
7. Personal growth & interest goal
8. Recreation & leisure goal
9 Home improvement & real estate goal

It's important for us to have a goal. It
will serves as the guide where we are
heading to? It will help us to achieve our
dream step by step. Therefore, I would
start with reachable goal, rather than a
sky high goal. The reason is very simple,
I need to build the confident level so that
I can move forward faster.

Momentum is important!

In one of the article I read some time ago,
most people can understand the following
process of shooting - that is "ready, aim, fire".
This is one of the problem solving method
under project management. In fact, this method
has been closely guarded by the professional
engineers and project management specialists
as their personal domain and source of power.
However, there is another theory on
"ready-fire-aim". Rather than spend too
much time for preparation and aiming the
target, one should go ahead to fulfill the
burning desire before the momentum die
off.

If you have some target want to achieve,
put it into action today, now. You can
always come back and review for a more
precise target. Clearly, the later theory
will give better speed and excellence. If
you feel you want to do something for
yourself in 2007.

Now is the best timing!
Just do it, do it now.