|
Written by Pierre Maré
|
|
Monday, 06 September 2010 06:42 |
|
You may want to be goal directed and take the serious route, but it doesn’t seem fitting. Smiles on the other hand are infectious. So if you don’t smile as a matter of principle, your career choice is not making people happy.
Have you read the news today? If it doesn’t disturb you, then you need to read it again. I am not sure what the item is that disturbs you, but there must be something. As far as your day job is concerned, no doubt you don’t smile all that much, probably because having fun is not a quality encouraged in the workplace. Unfortunately, I can’t stop reading the news, but there is always some interest to be had in following the ragged progress of things. And then there are all those “man marries donkey” articles or “goat beauty contests”, that populate the less portentous pages, put there with the intent of making me smile. Yesterday, as I stood in a queue at a grocery store, I noticed that the cashier was smiling and being friendly continuously. She even managed to crack a smile for me in spite of my creased shirt, three day stubble and hair from hell. I had to check myself as I wondered whether she was on drugs or religion: sometimes smiles can be as simple as natural friendliness. I called and thanked the store manager. I hope that something really good goes her way. If it doesn’t have some reward, what’s the point of doing it or bothering with it in the first place. A smile seems just about perfect, and I am reaffirming the smile and laughter for myself. Here’s why. The thing that strikes me about enjoyment expressed as smiles and laughter is that it is seen as a sign of weakness. Perhaps people believe that if you laugh at a situation, for instance, Great Aunt Arabella’s devastation at the loss of a porcelain doodat to a clumsy visitor, you don’t have a full grasp of the situation. I think, exactly the opposite may be true. If you have the ability to laugh at something that is absurd, it shows that you understand the situation well enough to see the absurdity which, schadenfreude aside, shows quite a depth of understanding. The same obviously holds true for memos about the misuse of office stationery, repetitive warnings about spending too much time in the toilet during working hours, so please don’t take the newspaper with you. People who take everything seriously are probably unbalanced and won’t make good employees. They might for instance, spend too much time debating obvious productivity gains in the face of change, and slow everything down. They might also be a drain on workplace morale as they frown at people who smile and allow their ambition and ingenuity to seize the moment. But the quality that impresses me the most, is the ability to laugh at yourself, and I don’t see enough of that at all. OK, so it’s important to be competitive and have everyone take you absolutely seriously. But does that mean you have to walk around in an expensive suit and drive an expensive car as the sole proof of the fact that you know what you are doing? All it might mean is that you are badly overpaid. The ability to smile about something and change the rules or your mind, as you go along, to suite the moment and avert the looming catastrophe, speaks of a certain kind of unbeatable confidence. People take spontaneous confidence far more seriously than suits and cars, especially now when the infallibility of bankers and bureaucracy have been shown to be dubious at best. There are plenty of schemes that have formalised customer satisfaction with certain types of behaviour, but these don’t work well. “Have a nice day” has been so overused that it now means nothing. The waiter or waitress who shows up with a plastic smile asking if everything is alright makes me want to throw the mushrooms, especially if the mushrooms are the tinned variety, cause for amusement and laughter in its own right, though probably inappropriate and not a good example for my daughter. For some reason, it seems to be that smiling is a career choice. You may want to be goal directed and take the serious route, but it doesn’t seem fitting. Smiles on the other hand are infectious. So if you don’t smile as a matter of principle, your career choice is not making people happy. |
|
Written by Pierre Mare
|
|
Friday, 27 August 2010 09:15 |
|
This is column number three hundred. Just seven hundred and one to go and I will be quite a happy chappy. A thousand and one thoughts: that’s my goal.Hands up everyone who remembers all those teachers who tried so hard to discourage kids when they said “I thought...” Can you remember the sniggers from the class as the teacher uttered that standard, brain dead comment about “What thought did when he heard...?” It never stopped me thinking, but it did teach me to keep my mouth shut. Now I am making up for lost time. Thoughts are extremely underrated. Here are the three things I know about thinking. Number one, it is a survival technique. Number two, it is progress. Number three, it is fun. Survival technique? That’s a no-brainer. If we didn’t have the capacity to think, we would be like bees. Bees are held up as a model of productivity, however, put a bee in front of a glass window and it becomes a different story entirely. A couple of moments ago I spent a few minutes watching a bee bump into the same spot of glass wondering whether to chase it out with a piece of paper. I walked away thinking of the sting. If that bee had the capacity to think about heading right, it might be able to be a bit more productive and wouldn’t die on the windowsill. If we didn’t think, we would die of doing the same thing over and over again, perhaps starve or succumb to terminally broken noses in doorways. If you still think a bee is a desirable role model, you need to rethink that one. The hive mind goes nowhere. On that note, let’s head into number two, the issue of progress. Perhaps, if bees had the ability to think, they might even have been able to evolve to the point where they stopped collecting pollen over weekends to chill out with a beer and a braai, or some television. How would they get this right? By delegating. Pollen could be collected by others. There is only one workforce larger and more rigid than bees: the ants. The ants could be delegated to do the collection in return for honey. That, apart from the conflict between variable schedule rewards and unionisation, seems to be most of the labour equation. And in third place, most importantly, thinking is fun. If bees had the capacity to think, they would have console games, books and collections of Swedish art movies, or perhaps more fittingly, lots of copies of the Star Wars Clone War movies. Let’s use the example of the console game. If you have ever played one, you will have come across the level boss. You will know how frustrating and draining it is to fight the creature umpteen times with absolutely no effect. You will also know that you do it because sooner or later you are going to figure out how to put the sucker down. And that takes thought. So what it boils down to is that if you don’t think, you don’t progress, you don’t have fun and you run the risk of bumping into things repetitively. I often wonder about those people who do what they have to all week and then head home to the television. Why do they do it? What legacy does such a life produce? How do they measure their ambitions? For my part, I am still playing the game of thinking, though not for the sake of survival or progress. I am waiting for the level boss of problems to come along, and then I am going to hack at the sucker until it gives in and dies, preferably with a nice point score. It has to be a game. It has to be fun. I could spend an endless amount of time on setting up a hypothesis and chasing up observable phenomena, but that would be drudge work. I have noticed that people who think often stare into middle distance, with cryptic smiles, then wander of to do something else. They don’t need much help along the way. They seem to enjoy life more and complain less about the long gaps between weekends. I have seven hundred and one chances left to stare into middle distance. Stick around and see what happens. |
|
|
Private Portfolio - Tricks of the trade |
|
|
|
|
Written by Artur Illmer
|
|
Friday, 27 August 2010 09:12 |
|
Much has been said and written on the costs and levies that are involved when dealing with banks and similar financial institutions. Despite this public attention and even governmental scrutiny, very little positive has come for the consumer. It is up to the client to find ways and means to reduce transaction costs. Electronic banking, special packages for juniors and seniors are punted by the industry to alleviate the client’s predicament. There, however, exist lesser publicised activities that are also very lucrative. These are contained in the so called bank assurance model. The major players in the insurance industry are mainly linked to banking institutions. The symbiotic benefits of this business model are phenomenal. Who of us has not had the experience when applying for a loan or similar facility at a bank being faced with a whole proliferation of life and short term insurance requirements that need to be complied with? These should not only be conducted in-house but are also punted as conditional for the final approval of the loan. Time and again I have come across the amazing results this practice gives rise to. Many property transactions for instance involve sectional title units. For a home loan to facilitate the purchase of such a unit the bank will insist that you take out short term insurance to cover this unit in the event of loss or damage. Surely anybody involved in the property business should be aware of the fact that it is a requirement of the law pertaining to sectional titles that the whole property of the body corporate complex should be insured. This ensures amongst others that common property and amenities can also be adequately insured. The cost of this insurance is usually split on a pro rata basis between all the unit holders and is contained in the monthly levy that is payable to the body corporate. I have come across numerous cases where sectional title unit holders have dutifully paid premiums on the bank’s insurance as well as a second premium contained in the body corporate levy. Do not even try to obtain a refund since you enjoyed cover albeit in reduced form when a claim were to have been paid by both insurers. Who is to blame in this situation? The client of course, he should have pointed out to the bank that he already has insurance. A second example of good business that I have come across in recent times pertains to the requirement of life insurance to cover the loan debt in the event of death. With property prices, there are only a few individuals of the younger generation that can afford a loan on their own. So one often finds partnerships like boy and girl friend jointly applying for such a loan to purchase a property. Where there are two parties involved, each can own a share in the property. The loan agreement will however hold both parties jointly and severally liable in the event of default on the loan repayments. The death of a party does not necessary mean default. The bank will however insist that each party takes life insurance equal to the total value of the loan. This life insurance pays out on death and not on default. So if one party dies, the full outstanding loan is paid off while the deceased party was actually only responsible to pay for his share of the outstanding loan. The surviving party enjoys the benefit of being absolved from having to pay for his share of the debt. If this surviving party is however not an heir to the deceased party’s estate one can only wonder what these heirs will have to do to address this enrichment of the surviving party by the life insurance proceeds that were used to cover his debt. The answer you will get is that it is a requirement of the bank, take it or leave it. |
|
This Week in th KHUTA - Do you have what it takes to achieve your goals, reach your potential? |
|
|
|
|
Written by Tanyala Mwilima
|
|
Friday, 27 August 2010 09:11 |
|
Some people are born privileged and reaching their goals in life is a smooth sailing process, while for others it is a battle of endurance in search of their dreams. It is with the latter that the battle is really fought. So what inspires you, what motivates you, what drives you towards the achievement of your goals with nothing but a dream? Growing up in the small town of Grootfontein, we didn’t have much going on there, no bigger dream to look up to; basically a dream beyond that town was unthinkable, almost unrealistic. Our generation was mostly inspired by the doctors, lawyers and journalists on our television sets and it was from there that I discovered my purpose. From the first time I saw NBC news anchors Jackie Pickering, Robin Tyson and Mark Verban on my family’s television set, I was fascinated. Back then I didn’t know what it took to be like them, or what profession that was, all I knew was, that was the direction I wanted to take in life and every step I had taken since was to lead me to that goal. Years later I found my way to university with nothing but N$2000 in my pocket, unreliable accommodation, unpaid tuition fees and sleeping on an empty stomach one too many a times. Worst still half my family thought I was a lost cause and not worth a helping hand, I tell you those were years of hardship. Through it all, I worked odd jobs just to make ends meet, from cleaning floors of restaurants to baby sitting and practically living on prayer most of the time. Sometimes when the battle became unbearable, I had thought of giving up but then I looked around and saw people who seemed to be in worse situations than I was, but chose to press on, I was inspired. In my first year at varsity, I remember my lecturer making reference to this quote “it’s a mango of a tree that I thought will never grow, it’s a plum, a gem, a fine moment in my career when I needed it most to justify my existence.” This was about a young man who was describing his ascent to success. This quote became my source of hope, a reminder that I too can someday reach my potential and come to describe my success with such conviction and a sense of accomplishment. I tell you, my quest in search of my degree was filled with hardship and failures. Too often I felt like giving up, but the fear of ending up on the streets of broken dreams kept me going. Inspired by my favorite quote, I decided to crawl if that’s what it took to reach the finishing line and thank God I made it. Today, here I am, living part of my dream and still paving the way to a bigger dream. If you believe in yourself, in your dreams, and surround yourself with those that believe in you, you surely will reach your potential. Take the opportunity to learn from experts in your area of interest and be the best that you can be. Sometimes all you need is inspiration from great minds that have walked your path and made it to remind you now and again that the dream is worth fighting for and it is within reach. Know that in spite of adversities, you can overcome. Do not be deterred by your struggles or discouraging people (believe you me, they have their own battles to fight). Remain focused on your goals. Like an athlete’s race to glory, with hard work, determination and perseverance, you too can become that “mango of a tree, that plum, that gem”. Go on, make your mark, achieve your goals, and define your destiny. |
|