Stay Healthy and Wealthy

When you make those New Year’s resolutions, you’re thinking about fresh starts and the year ahead. What you might not realize is that some resolutions also could save money. Here are some popular resolutions that could help get you and your finances in shape in 2017.

Quit smoking: You can save money by stopping a pack-a-day habit, which can cost between $1,825 and $3,650 per year, depending on the cost of cigarettes in your area. Nationally, a pack-a-day smoker is going to spend an average of $2,000 annually on cigarette costs.

Set up and stick to a realistic budget: If you want to resolve to stick to a budget in 2017, you must start with a realistic plan. People tend to make financial resolutions the same way they do a weight loss plan. If you start with lofty goals they will be unachievable within a month. List your priorities for spending rather than restricting your spending. Focus on necessary expenses then include a certain amount for retirement savings. Then with the remaining money you have each month, set aside a little for enjoyment. It’s critical you have rewards in your budget.

Exercise regularly: You’ll save money in several ways with regular exercise. On average, Americans are spending $7,800 annually on health care, according to the National Association of Health Underwriters. But exercise brings real savings. “If people are eating right and exercising three times a week for 20 minutes a day, they see prescription costs decrease by 70 percent and medical costs decrease by 30 percent,” says Ric Edelman of Edelman Financial Services. Stop spending money recklessly: One of the best ways to stop spending your money recklessly is to track where it is going each month. Check with your credit union and download their free mobile budgeting app that shows expenditures by category so you can monitor your spending. A great way to get your spending under control is quit trying to “keep up with the Joneses”. If you want to fix your bad spending habits in 2017 start hanging out with other spendthrifts because you will likely become one yourself.

Eat healthier: A healthy eating plan can be as — or more — economical than fast food. It’s a total myth that eating healthy is expensive. Buy smaller but leaner cuts of meat, eat protein-rich beans and buy produce in season when it’s freshest and least expensive. A smaller amount of a leaner cut can slice your food bill and your bad cholesterol.

Build an emergency fund: Nothing takes the stress out of financial situation like spare cash. If you are among the millions of Americans that don’t have enough money set aside to cover unexpected expenses or emergencies, then you should resolve to build one in 2017. Experts recommend putting enough money in a savings account to cover six months’ worth of expenses in case of unexpected emergencies like job loss, maternity leave or medical issues. You can always apply a small amount of your paycheck towards this account, so you make sure it is hidden from you.

Pay off high-interest debt: Paying down credit card debt is one of the most popular short-term goals in 2017. Try focusing on paying off your high-interest credit card debt before other debts because it is more expensive. And, it you are motivated by seeing those results first hand, start by paying off your card with the lowest balance first so you can feel that sense of accomplishment. Create your estate plan: An important 2017 resolution would be to tie up any financial loose ends for your loved ones so they aren’t left trying to pick up the pieces. Make sure you have a will or trust that designates who’s in control of your assets. You certainly don’t want the state court system to make that decision for you. Don’t forget to designate a guardian for your children, and someone who will make financial and healthcare decisions for you if you are unable to do so.

Develop common financial goals with your partner: Many times finances are the biggest source of conflict between couples. It’s important that couples sit down and create a financial plan. It doesn’t usually work to try and manage their finances separately.

Any of these resolutions can help improve your financial security in 2017. I suggest tackling one financial tip each month so you don’t get overwhelmed. Then as you get accustomed to the new approach to spending and saving, add another. By the time 2017 starts dwindling toward 2018, you will find you’ve made progress on achieving your financial goals.

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10 Ways Entrepreneurs Can Change the Social & Economic Story

Men and women who create for-profit and nonprofit new ventures can and should do things of the kind that the President-Elect is likely to neglect, negate, or avoid. Entrepreneurs can quietly change the story, one organization at a time, whatever government may or may not do.

Here are ten ways venture founders can alter the course implied by what we know of Donald Trump’s intentions. They are all within our own authority, not those of government. We can:

  1. actively appreciate the economic and social needs of disadvantaged groups and consider how our own organization can make a difference-or start a new one that can; at least ensure that our own organization does not contribute to disadvantage;
  2. be inquisitive about rural and underserved populations adversely impacted by political, economic and tech change-and examine ways that our organization can make a positive contribution, including the offer of products, services or employment;
  3. create inclusive policies on gender, gender identity, race, national origin & religion; offer all employees dignity & respect, provide healthcare, parental leave, clear policies on sexual harassment, & the opportunity for participation in decision-making and sharing organizational success;
  4. take the opportunity to participate in the life of local communities to mutual advantage, through direct civic engagement, as well as supporting employee volunteering; become involved in community supported enterprises;
  5. evaluate all practices of the organization that may contribute directly or indirectly to climate change-and introduce ways that will reduce pollution; seek to be powered by clean energy and move to zero waste;
  6. ensure that the pay ratio between the highest and lowest paid members of the organization does not exceed 20:1 (as it was in 1965) to reduce financial inequity, given that the ratio between average American CEO pay and worker pay is now 303:1;
  7. re-examine the consequences of all purchasing decisions, in order to avoid pain and hardship, either in supplier organizations or the local and global community; research supplier behaviors on socio-economic parameters;
  8. commit to support the lifelong learning of all members of the organization, regardless of where they are starting or what position they hold-through internal development programs and external qualifications;
  9. employ socially responsible financial policies that do not disfavor any stakeholder, either close at hand or nationally, as well as avoiding immoral or self-serving practices, such as the avoidance of repatriating foreign profits;
  10. build a widely communicated progressive corporate story that is reflected through the behaviors of everyone in the organization and enshrined in all official organizational procedures; regularly monitor its reality.
  11. GEI scores 137 countries on 14 pillars of a healthy entrepreneurship ecosystem

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Mobile Content Market Trends and Opportunities

The mobile content market covers many forms of media such as music, text, pictures, videos, etc. These media forms can be accessed using a mobile device which can be a smartphone or tablet handheld device. Devices such as iPhone, iPad, and Android devices have transformed the way consumer access content.

Mobile Content Market Drivers and Opportunities

The demand for mobile content is growing rapidly. Various factors attribute to the growth of this market.

Market Drivers

Rapidly increasing disposable incomes, innovative products and technologies, and mobile devices with advanced features tend to boost the growth of this market. Decreasing prices with the competitor’s product with increasing mobile bandwidth and speed has also supported the growth of the mobile phone content industry.

A market intelligence firm has stated that the global and the U.S. mobile phone content market was worth $6.5 billion in 2011. It is anticipated to reach a total value of $18.6 billion in 2017, with a CAGR of 19% during the forecast period of 2011 to 2017.

Market Opportunities

Joint ventures between publishers and marketers and the role of devices and network in the mobile content industry will provide further opportunities for key players in this market. In addition, trends such as growth of social networking and availability of multiple options for substitute products in mobile content industry will support the growth of the market. Key players also have untapped opportunities in the sector of free and fee-based mobile phone content services.

Segmentation of the Mobile Content Industry

The global market for this report is segmented in two major parts which are the revenue-generated and user-type. These two segments are further divided into mobile games, mobile music, and mobile video.

Dominant Mobile Games Sector

The same market intelligence company has stated that the mobile games sector is expected to be the largest segment in the industry and reach a value of $11.4 billion by the end of 2017. Mobile games sector was the largest market sector in 2011 with a revenue share of 53.3%. It is predicted that this segment will further solidify its position in the overall market with a 61.7% market share by the end of 2017. The mobile games market worldwide was worth $3.5 billion in 2011 and will amount to $11.4 billion in 2017 with a 21.9% CAGR during the forecast period.

U.S., the Dominant Regional Sector

According to geography, the global mobile device market is segmented into U.S., Europe, Asia-Pacific, and Rest of the World. The U.S. market for mobile content stood out as the largest regional market with an impressive revenue share of 30.3% in 2011. Faster adoption of mobile content in U.S. will considerably increase the market share to 41% by the end of 2017.

Mobile Content Marketing Trends

It is predicted by market analysts, that in the coming few years the mobile market’s revenue will double than the current figures within a year.

Consumers while buying mobile device content tend to compare content features, smart devices, and innovative technologies in the market. This factor tends to impact the mobile content industry greatly. The demand for mobile content will continue to grow in future as more mobile devices arrive every month on the market.

Mobile Optimized Sites Vs. Apps

In addition, the competition is growing between mobile optimized sites versus mobile-native content. This trend is one of the biggest struggles for mobile content provides whether to invest in mobile optimized sites or to invest in mobile-native content like apps.

According to Forbes, one of the key components to monetizing the mobile content is by selling apps. However, selling apps for two dollars a piece is not the only way to make apps profitable. Selling ads is one of the way companies can make profit.

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How Can I Set Up An Online Business?

If you’ve been considering setting up an online business you’ve most likely been motivated by sheer volume of buying and selling that is now taking place on the internet.

More and more people are buying products and services online. And if you set up your own online business you can claim your cut of this expanding marketplace. Here are the 5 steps to follow to set up an online business.

1. Pick Your Market

If you’re going to set up an online business your first task is to determine what type of business it’s going to be. Are you going to sell products or services? You can sell your own products or you can sell products produced by other businesses who will pay you commissions on your sales. Or you may choose to set up a membership website or offer teaching and coaching services online.

Getting a website online isn’t as complicated as you may think. Initially you’ll need to purchase a name for your website (known as a domain name). Next you need to ‘rent’ some space on the internet (known as website hosting). Lastly you’ll need a software package that will make it possible for you to put written text, images, videos etc onto your website. There are many website building programs available that make this whole procedure very easy.

3. Get Visitors To Your Website

When you website is online you have to get potential customers to visit it. There are two main ways to do this. You can use free website traffic techniques or paid website traffic techniques. Both have their pros and cons and the most effective traffic tactic to use a mixture of both.

4. Develop A Customer List

It’s doubtful that your website visitors will want to buy anything from you on their first visit to your website. They may visit your website and never return. But obtain a visitor’s email address with a special email capture form, you can remain contact with them via email. Your emails can keep them informed about your business and encourage them to return to your website. If you offer something of value for free in return for someone’s email address they are more likely to give you their email address. This can be something as straightforward as a free report or eBook that is relevant to your industry.

5. Provide Value

The content material on your website and in your emails, articles or blog posts has to be more than continuously trying to sell. When you provide high quality, useful information to your target audience will come to know, like and trust you. Your prospective customers will then be more willing to buy from you and continue to be as loyal customers for many years.

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Real Talk on Overcoming Addictions

There comes a point in your life when you say “enough!” The fight within becomes so unbearable that you say.” No more, that’s it I’ve had it.” You’re done being a victim. A quick shift in consciousness appears. You hit rock bottom.. There is no way but up. You realize that you have to look yourself in the mirror and get real with yourself and become the person you know that you can become. Decide now and realize that “one day” is an illusion, “one day” never comes. Do the things that need to be done, now. The drugs, the sex, the feeling sorry for yourself, the hypocrisy, the porn, the lying, the whining and complaining needs to become a thing of the past.

Sometimes the truth hurts and sometimes the truth about yourself needs to be revealed. Lying to yourself and waiting on something outside yourself to save you ain’t gonna happen. You save you. Only the individual knows his or her truth. The doubts and fears are brought to the surface. We all know what we have to do in order to save ourselves. We have to go to the place that we don’t want to go. We have to get uncomfortable. The shift in thought becomes freedom. Look within and find the source of your misery. Face that demon and overcome it. We can be shown the way to end suffering, but it’s up to us to make the first step. We have to man up. Start with the small things and then gradually do bigger things. Start being grateful for the things you have now. Act the part or fake it till you make it and become liberated. There are people in the world who have so little and they are so happy. Happiness is a state of mind. Act happy, act free, become an actor. Don’t tell others your intentions either. Shut your mouth and move in the direction of right thought and actions. There are people in the world with every luxury that the world provides and they are miserable as hell. Happiness is not in material objects, otherwise those with the most wealth and stuff would be the happiest.

The kingdom of heaven is of no use if we think we can bring our vices with us. Heaven is a mindset. The old self, thoughts and habits associated with that old self has got to go. A new self has to be created. It can begin with a creation of a new attitude, a new way of seeing things and deciding to let go of things that don’t serve us any longer. Life is a journey and we all have obstacles to overcome. Dwelling on the past is useless. Leave the past in the past where it belongs.

Winston Churchill was the prime minister of the United Kingdom from 1940 to 1945 and again from 1951 to 1955 and he has a famous quote that reads, “If you are going through hell, keep going.” Don’t stop in hell and extend your visit, move on. Hell is a passing phase and for those who know where the keys to heaven are can enter. Heaven and hell are states of mind. Get tired, get fed up and do the things necessary to leave hell and enter heaven. Pray, meditate, read books, listen to motivational talk and fight to overcome temptation with everything you have. Change the way you think now. Stop listening to useless opinions, negative commentary from so-called experts. Resist being distracted by things that have nothing to do with the improvement of your life.

Learn from your mistakes and look forward to the future you want. Leave the past in the past. Get out of your comfort zone and get talked about. People gonna talk about you anyway, they’re talking about you now. Realize that not everyone will like you. Don’t take it personal. Not everyone like God, so why would you be any different? It’s almost 2017 and it’s time out for playing.

Technology is available almost everyone on earth. If you live in an industrialized nation, then there are no excuses if you want help for your addictions or destructive habits. The internet is full of free information and videos on practically any subject. YouTube is a great source for getting help in overcoming addiction. There are people from all over the world that will give free advice and tips. Just as technology can be used for bad, technology can also be used for good. I love technology, because it has helped me in overcoming a very bad addiction. I am free now. It took hard work, praying, meditating, counseling, books, videos and going deep within. Start with noticing the silent self talk within. Be aware of the voice in your head and watch it. The voice has always been there, notice the voice and separate yourself from that voice. Look at the voice from a distance. Silence yourself and resist falling asleep. Silence your electronic devices and spend time alone and watch your thoughts. You will start to think about what you are thinking about. Realization of the false self shows itself. Next, you will see the addict, the complainer, and that false self for what it is. A new way of seeing is revealed. If you have ever said,”what was I thinking?” That realization is a glimpse into consciousness awakening.

Going through hell can be a great teacher. Decide now and change your mind. Quit playing and realize that life is passing regardless. Get fed up and make the change for a better life now. Do what you know you should do. Free your mind now.

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