Day: January 24, 2019

How To Distance Yourself From Toxic People Without Them Noticing

Whether it’s a fantasy football league, a book club or your happy hour crew, there may come a time when you feel the need to move on from social groups that no longer make you happy. Whether it’s you who has changed or it’s them, it’s completely normal for social interests to shift as we age.

Unfortunately, getting out of social engagements and relationships can be a delicate thing to maneuver. If you find yourself in that situation, here are some things to consider.

What can you do when you just don’t like being around certain friends anymore?

You must restrict access. When I tell some people that, they often say something like “but that’s not easy to do.”

My answer to that is this: “True, and it’s easier than living with the results when you don’t.”

I call this “hard/easy vs. easy/hard.”

When you make hard decisions up front, things become easier for you later. However, if you make easy decisions upfront, they become harder for you down the road.

One of the ways to restrict access without angering someone or burning bridges is called “benign neglect.” This involves any decision you make that allows a person in your life (or an activity associated with that person) to move toward the back. Doing that allows someone else to step closer in your life.

As a rule, there’s no need to burn bridges. Simply, don’t engage as often or engage in what we call “homeopathic doses. This is the minimal interaction necessary to address the individual over time”.

Are there times when you just need a break from some people?

Yes, this is not uncommon for most individuals. This is particularly true when the two of you have personal values that are not in alignment. Personal values don’t have to be exactly the same. Diversity is valuable, however, the values need to be “resonant” with one another.

When values are “dissonant” with each other, it creates varying levels of frustration and even conflict. When this happens, you’ll need a break from interacting with that individual.

See Also: 5 Signs You Need to Start Removing Toxic People

How do you address personal boundaries with your friends?

Most people don’t enforce the boundaries they desire in life. Worse yet, many people don’t communicate those boundaries to others.

Don’t make apologies for the boundaries and don’t get mad when people want to encroach upon them.

Why? Because it is inevitable that people will try to encroach. Simply state your boundaries clearly and politely, and then stand firm. Learning to say “no” is an important skill in setting boundaries.

One of the best techniques that I use to say no to someone is to say something like “If I said yes to that, I’m afraid I’d let you down.” You may say that because you don’t have the bandwidth, the knowledge or the expertise to do what they are asking but in any case, you’re not the person to do what they are asking.

Is it okay to say your interests or values have changed and you want to spend more time with your family or other friends?

It is inevitable that people’s interests and values change over time. For some people, there may be subtle changes. For most, they can be major changes in interests and values. In either case, changing interests and values are normal.

The key to growing throughout your life is to remember to “live in your flame and not your wax.” When you do things you hate to do (especially over time), you are in your wax. This means that you are doing things that are sapping your energy.

When you are doing things that you love with the people in your life, you are living in your flame. You are energized and excited.

If you want a life of harmony, strive to do things that are in your flame, not in your wax. Say yes to people and activities that make you feel alive, align with your values, and add to your experience of life.

Written by Dr. Ivan Misner, Ph.D., author of “Who’s in Your Room? The Secret to Creating Your Best Life”, and founder of Bni.com

The post How To Distance Yourself From Toxic People Without Them Noticing appeared first on Dumb Little Man.

Singapore’s Credit Culture raises $29.5M for its soon-to-launch digital loan business

Singapore’s digital fintech companies are attracting investor attention and dollars in 2019. Fresh from Singapore Life — a digital-only insurer — raising $33 million across two recently closed rounds, so Credit Culture, a digital loan specialist — has banked SG$40 million ($29.5 million) ahead of its imminent launch.

Credit Culture has raised its capital from Malaysia’s RCE Capital Berhad in a deal that allows the investor to potentially take a stake of up 30 percent in the startup. Its investment is via five-year bonds that are secured with the loan receivables from Credit Culture and include granted call options for taking that stake — in other words: this isn’t your regular startup deal.

RCE Capital Berhad said in a filing that Credit Culture has already raised SG$4 million ($2.9 million) via a seed investment, and it appears that it is financially set ahead of its launch.

“We are currently well-positioned with the recent injection of funds. That being said, we are always open to exploring various options to grow especially for regional expansion,” Credit Culture a representative told TechCrunch in an emailed response.

Founded by former bankers, Credit Culture is set to become one of Singapore’s first digital financial service startups after its parent company, DEY, secured approval to operate a moneylending business as part of a pilot to test online fintech services.

Since it hasn’t launched yet, there’s not a huge amount to say about the business, but its goal is to offer personal loans to Singapore-based customers using digital channels, so its website and mobile apps. The company plans to vet applicants using a mixture of existing platforms for data, including government initiative like MyInfo, and its own credit-scoring engine for creditworthiness assessment. It will also require face-to-face verification for loans to be granted, it confirmed.

Like Singapore Life and other digital-only ventures, including Hong Kong’s Bowtie, the objective is to pass on cost savings from being a purely online player — i.e. not operating branches and other physical consumer-facing outlets — and make prices fully transparent to applicants.

As you’d expect, Singapore is the initial focus for the company but it is already eying potential market expansions.

“We do have plans to expand to other Southeast Asian countries like the Philippines and Indonesia,” a spokesperson told TechCrunch. “There is a large potential given the need for personal financing and the large unbanked population segments.”

Robert Irwin let three mischievous African serval kittens run over Jimmy Fallon

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Jimmy Fallon invited The Tonight Show regular and Animal Planet host Robert Irwin back on the show, with his usual assortment of cute baby animals.

The 15-year-old son of the late Steve Irwin, Robert has the same level of infectious enthusiasm as his dad for all creatures great and small — including peppered cockroaches.

But that’s not all he brought to the show on Wednesday. Irwin introduced Fallon to three mischievous African serval kittens, a tiny Australian marsupial called a sugar glider, and an affectionate camel called Wednesday. Read more…

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