April 2018

Tips That Will Help You Get Along Better With Your Colleagues

Our place of work is somewhere that we constantly return to and it is the one place we spend a majority of our lives at. I know this sounds depressing but it will only be that way if your working environment is a hostile place and your colleagues are constantly at your throat. So here are some tips that will help improve your relationship with all your co-workers: 

Be kind to everyone 

Walk around with a smile on your face, share your meals and say a good word to whoever comes your way. Offer your help when you can see someone who needs it and be a source of comfort for all those who you work with. Be the one who everyone loves, thanks to your concern for their physical and even mental well-being. 

Respect them  

Do not mock or belittle anything that a co-worker says or does, as this is rude and shows your lack of respect for them. The more respect and honour that you show to those who share a co-working space with you, the more respect and honour they will give you. Because you have to give respect to get respect. And if you are disrespected then always take the good from everyone and ignore the bad, try to get along with even those people who are often mean to you. Learn what you can from them and always show them respect. 

Do not talk about anything controversial 

Stay clear of any topics that will make any or all of your colleagues uncomfortable to be in the same room as you. Especially at a serviced office, do not try to argue about anything that will make them want to get up and leave. Because even if they want to, they will not be able to since they all have to work with you and cannot really avoid you or leave work. If they peg you for someone who likes to talk about controversy and as someone who forces his/her opinions on others, then no one will come near you. I am not saying that you should not be yourself, I am just saying that you need to remember that this is a place of work and not a debate contest. 

Do not gossip! 

This is rude, pitiful and a huge waste of time too. No matter how fun you think gossiping is, it is always best to mind your own business and not stick your nose into other people’s lives. Gossiping will get you into a whole lot of trouble and after a while all of your colleagues will lose their trust in you. Remember you are an adult who is at work not a petty teenage high schooler. You gain absolutely nothing from hurting your co-worker’s feelings. 

Remember these points and you are sure to have a more pleasant relationship with your colleagues.

What To Consider When Obtaining A Loan For Yourself

Today with the amount of things we want to buy, the money we actually possess to own such things is rather limited. This has led many banks and other financial institutions to monetarize on this opportunity and offer loans. However not anyone and everyone is granted with such loans, there are certain criteria you’ve got to meet in order to be amongst the privileged few. Even then, you need to consider certain factors too, especially when you are taking such loans for your personal use. Here are some of them. 

Am I qualified 

 As mention previously in order to be amongst the privileged few who are allowed with the personal loan Hong Kong obtaining facility, there are certain requirements you’ve got to satisfy. Your age, credit rating, income, place of residence are a few such factors that are analyzed before granting such schemes. So if and when you are applying for such borrowings, consider if you meet their set requirements. 

The purpose 

Merely because you have the ability of obtaining a loan, you shouldn’t blindly apply for one to buy the latest iPhone or whatever. Your purpose of obtaining this scheme should be of value. Although you might currently think that the money you have to spend is increasing, technically, it is your cost that is increasing. After all, at the end of the day you’ve got to repay it all along with the interest, and if your purpose of obtaining it wasn’t worthwhile, then you are going to end up regretting such a decision in the first place. However, if it were to purchase a car, or a tax loan Hong Kong or even a flexi loan where you can draw funds when you need, consider your ultimate purpose and then apply for it.  

The extra cost 

Here it is interest which is defined as the extra cost. The rate of interest you have to pay on the total amount you took as borrowings from the bank, differs from one place to another. While some might charge high interest rates others have a more affordable interest rate. So do consider the rates as well before you apply for such borrowings.  

In addition to the above you also need to consider the time factor as well. The time period for which you can divide your cost and pay your initial amount, helps you allocate funds appropriately. Thus being able to set aside a standard amount every month from your monthly earnings. This way you can make much more economically sound decisions with regards to paying back while also maintaining a good credit rating throughout. So consider the above and apply for a loan smartly!