Most people think success is a goal. I do not. I see success as a process. Most people define success only in terms of money. I do not. I think success is a combination of things — health, happiness, material prosperity, love of family and friends, wisdom, influence, and fulfillment.

Here is how I know someone is successful — If you are able to give from your abundance then you are successful. If you are able to donate money, spread happiness, inspire health, propagate love, share knowledge, motivate people, etc. then you are successful.

Most people think you need to work hard to achieve success. I do not think that is true. I believe the opposite is true. I believe you have to learn how to avoid work to be successful. I define work this way — if you’d rather be doing something else, then you are working.

You avoid work by loving what you do. Loving what you do is infinitely more powerful in achieving success than all the hard work in the world. If you love what you do, Nature will show you her secrets.

When Nature reveals her secrets to you, you have the golden key to being successful. Those secrets are the formulas for working less yet accomplishing more. For example, you can strain your muscles working hard to move a big rock or you can use one of Nature’s secrets and use a lever.

When you use a lever you work much less but you accomplish much more.People who say they work hard are really saying they are not smart enough or creative enough or lucky enough to have found an easier, more effective way to accomplish what they want. Hard work is not the answer.

Finding an easier, more effective solution is the answer. To find the easier solution, you need to be alert for a lazier way. People who work hard don’t have the time or the energy or inclination to find that easier way

Stuff comes flying at you from all angles. Emails, letters, phone-calls, faxes, visitors, customers, family, media. Stuff, stuff and more stuff. Everywhere. If only it would stop for a minute, you could catch your breath and get on top of it. But the stuff keeps coming. It’s relentless.

Because you’ve got no time to make time, here are 4 teeny-weeny words that will make all the difference.

Do
Dump
Delegate
Defer

Now that’s not so bad is it? Even the more forgetful of us can remember that little quartet. But what do they mean?

Do
As the famous footwear manufacturer Nike say – Just Do It! If stuff is in your face, and is important, then do it. It’s as simple as that.

Dump
Garbage, rubbish, trash, call it what you like, most people have a big round file under their desk which is waiting to be filled up. Whether you dump things for real, or just metaphorically, simply not doing things is a great time management tool. Would the world really end if you didn’t do it?

Delegate
Upwards, downwards, left or right, if it needs doing but could be done better by someone else, then delegate it. Can’t let go? Then remember by doing it yourself, your wasting your time, throwing your life away, and depriving someone of the learning opportunity that doing the task may present. So be generous and delegate instead.

Defer
Can’t do it right now? Then get out your diary and plan in time when you will do it. Notice that defer is your last option. If your defer pile is growing exponentially, then go back to the dump and delegate questions and try harder.

And that’s that. A snappy personal time management article, that probably took less than 60 seconds to read. Remember the 4 key-words – Do, Dump, Delegate and Defer and you’ll remember the importance of time management forever.

1. Time is limited. Time is a very special resource in that you cannot store it or save it for later. Everyone gets the exact same amount of time each and every day. If you don’t use your time wisely, you can never get it back.

2. Time is scarce. Most people feel like they have too much to do and not enough time. Lack of time is blamed for everything from not getting enough exercise, poor finances, unachieved goals, too much stress, bad relationships, and even an unfulfilled life. Time management helps you use the time that you do have in better ways.

3. You need time to get what you want out of life. You need time to do almost anything worthwhile in life. Waiting for more free time is a loosing game that almost never results in getting time for what you want. You need to learn how to make time for the things that are important to you. Even if you can only afford to give a small amount of time each week to your goals, you’d be surprised at how much progress you can make.

4. You can accomplish more with less effort. When you become more productive using improved time management skills and tools, you can accomplish more with less effort. Reducing wasted time and effort gives you even more productive time throughout the day. Both of these allow you to make time for a wide range of activities that bring more balance and fulfillment to your life.

5. Too many choices. In this day and age, there are so many ways you can spend your time, that you need some sort of plan to make intelligent choices.

Time management helps you make conscious choices so you can spend more of your time doing things that are important and valuable to you.

Happy new year from all of us at secretlab.media, secretschool.org. The only number is number 1. That’s why there’s no 2 or 3 god in this realm.

The things you should know :

1. Capital
2. Interest rate P.A
3. Month (Number of month deposit) / Tenure

Let say your capital is RM 17 K, your interest rate is 3.2% and number of month deposit is 3 month.

So,

= Capital x ( Interest rate P.A / 12 ) x Month
= RM 17 000 x ( 3.2% / 12 ) x 3
= RM 135.99

To view fixed deposit rate in Malaysia, click here