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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Things To Do When Waiting For Exam Results

After your exams, you binge on caffeine, spend sleepless nights and bear a lot of stress. Well, it happens, especially when the result day is close. At times, the stress you have after exams is far intense than the stress you have during exams. There is no doubt that coping with this stress is difficult, but the tips below can help you keep the anxiety at arm’s length.

Move on

No matter what you do, you can’t go back in time to make changes. What is done is done. There is no use of comparing the answers. As a matter fact, doing so will do nothing except adding to your level of anxiety. So, take your time and move on.

Stay away from online forums

After your exams, stay away from online forums until the result announcement day. Although these forums are great places to spend time on, you shouldn’t go there just to see what others have to say about their performance in the exams. Reading the remarks of others about the exams on these online platforms may intensify your stress. Don’t sit idle

What you need to do is keep yourself busy. In other words, if you keep yourself occupied, your mind won’t pay attention to the result day. For instance, you can get a job or join a gym to keep yourself occupied. You can also start a hobby, such as gardening or photography.

Talk to a Friend

Spend time with your close friend and share your worries with them. Keeping it to yourself will only increase your depression. What you need to do is let your worries come out gradually at a certain pace rather than growing it inside you.

Write your worries on paper

In your free time, write you worries down on a piece of paper and then burn it down. While it seems odd, this technique will work wonders and you will feel better.

Sleep Well

Sleeping well is necessary if you want to stay fit both mentally and physically. It will also improve your quality of life. Ideally, you may want to get at least 8 hours of sleep in 24 hours.

Don’t drink

Alcohol can’t help you to stay happy. Instead, you should eat something healthy. You can drink milk or fruit juice, for instance. Be positive

Why should you be optimistic? Well, the biggest benefit of being positive is that it will help you lower your stress level. And this will help you deal with the stress on the result day. The least you can do is smile at others whenever you meet them. According to scientists, when you smile, you release a chemical known as endorphine. The stress hormone called Cortisol is also reduced. Therefore, you can get rid of stress by smiling.

In short, you will find these tips helpful. Keep in mind that stress will have a bad impact on your health. To stay in good shape, what you need to do is keep yourself busy, eat healthy and smile at others.

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The Eurozone Train Wreck Continues Into 2017

The European Union seems to be trying to hold itself together, but it is indeed wobbling itself apart like an aircraft engine with an unbalanced propeller and the vibrations are getting worse reverberating from one side of the continent to the other, where no nation is spared from the challenges which await – so what can we expect in 2017 you ask?

Well, “Brexit” has already had some effect on Germany and other nations are considering similar exits from the EU, which could quicken its demise. The recent Italian vote was problematic as is the condition of the Italian banks. Remember when Greece got caught short? Do you remember in 2014 what was going on in the EU? Let me remind you quickly:

MSNBC Money “China, France drag on global manufacturing revival,” published on February 3, 2014, written by Jonathan Cable and Koh Gui Qing which stated; “Manufacturers around the world enjoyed a solid start to the year as order books swelled, surveys showed on Monday, though a struggle for growth in China and a downturn in France took the shine off the overall picture. Euro zone factories had their best month since mid-2011 and, with unemployment near record highs, increased headcount for the first time in two years. They were led by a sharp pick-up in Germany and a revival among the states on the region’s periphery. But France, the bloc’s second biggest economy, remained a drag on the region.”

As an example Greece, when they entered the EU they had a bad credit rating and any loans would of cost them a lot in interest, when they joined the EU they effectively got the same rate on loans as Germany who as you probably know are very stable in the financial sector, so Greece took loans out at low interest rates for years.

Yah, Greece has always been a financial disaster like Argentina or Zimbabwe… now it’s all gone sour they are left with huge debts and so on, Italy and Spain are in the same boat and seeing as the UK loaned ALOT of money to Spain and others we are massively exposed to the crisis. Spain for example has more empty property (new builds) than the ENTIRE USA.

Real estate tanked in Spain, we all read about that in the WSJ, few in the US realized it was that bad. In 2008 China was challenged even after their 2008 stimulus as their municipals did elaborate growth projects, building for the sake of it?

Remember the original plan for the EU was to introduce one currency (which they did) and then introduce a EURO Government to manage it, the second part never happened and now the backlash is huge, and it doesn’t really matter that the 2008 crisis started in the US. The EU wasn’t doing that well before the crisis. And we shouldn’t blame the US for the crash, let’s not forget one of the enablers was AIGs London Office selling insurance often with guarantees in excess of 130% of face value on those mortgage bundles and credit default swaps.

Yes, we have some socialists in the US and when the capitalists and socialists get together or start using each other it is as if everyone loses their brains. So, the slow-motion train wreck and Eurozone melt-down continues, who is to say if it can continue for long without falling apart, and once that engine falls off the plane, its coming in for a very hard landing. Let’s hope that doesn’t happen in 2017.

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Whither the World’s Fair?

The moniker “Expo 2017” is currently being bandied about in North America. In the US, various optimists, often plain vanilla citizens like you and me, have launched web sites and forums promoting a return of the world’s fair–or Expo 2017 in this case–to America. In Canada, at least four cites and/or organizations have recently promoted the idea of an “expo”, with one of the first efforts publicly unveiled in Montreal in 2007.

In America, the idea of a world’s fair–an officially sanctioned one, that is, will conceivably remain a distant dream until Washington comes to its diplomatic senses and rejoins the Bureau of International Expositions, or BIE–the governing body in Paris which awards world’s fairs in much the same fashion as the IOC decides who gets to hold the next Olympic Games. Just like the Olympics, an aspiring world’s fair applicant is required to invest a considerable amount of energy and expense putting together a bid, and, of course, impressing the appropriate officials. Unless, perhaps, you’re the city of New York which, after a clash with French dignitaries, decided to hold its 1964/1965 World’s Fair without BIE approval. At the time, superpower America had enough clout that many of the nations who were subsequently prohibited by the BIE from participating decided to show up anyway, posing as trade and tourist organizations.

Right after New York, and only a skip across the border, the city of Montreal staged what is often considered to be the most successful (and BIE approved) world’s fair of all time. Set on a sprawling venue of two man-made islands and a peninsula in the middle of the Saint Lawrence River, Expo 67 introduced a number of technological and cultural “firsts”–including the now ubiquitous moniker “expo” itself.

There are “expos” for everything now, from computers to kitty litter, while the mighty world’s fair that spawned these cheap imitations hasn’t been seen in North America for decades. Even if a city here managed to secure an official bid for “Expo 2017” it would be for a much smaller affair, a “recognized” expo limited by the BIE to 25 hectares exhibition area. That’s because there have always been two types of world’s fairs, a very large one (a “universal expo”) and, in-between, a smaller one (a “special expo”)–both of which are now, respectively, called “registered” and “recognized” fairs. In 2017, unfortunately, only the smaller recognized expo is allowed.

Nevertheless, I would argue that the world’s fair not only needs a major boost in North America, but that North America desperately needs another world’s fair. No other event has the collective potential to attract a huge audience to the latest cultural and scientific endeavours humankind has to offer. With our planet in the precarious state we have put it in, and North America no longer as influential and respected as it used to be, a world’s fair, properly staged and presented with the latest social and environmental initiatives, could be the political and technological beacon of hope this continent is yearning for. Of course, that might mean that Expo 2017 would need to encompass a great deal more than 25 hectares exhibition area and would need to address a lot more than the narrowly restricted theme (the fair’s purpose) officially allowed by the BIE for a smaller “recognized” expo. This could be done, with a little creative thinking (and without resorting to New York’s 1964 strategy), but that’s for another article to address.

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LYFT Driverless Car Network

Not so long ago in the past and to be more specific, it has been just 4 years since the announcement of LYFT as a large competitor for Uber. Today the company has grown in size and popularity and is definitely making waves in terms of pricing along with coverage. This company was first thought of as a fly by night company to be hauled away in the next big growth of Uber. However, this has been a far thought for LYFT. This company has been silently building itself and engulfing its efforts in technology. Their most recently talked about innovation to be brought online will be a Driverless Car Network.

Now many have bogged at the idea of Driverless cars, but they are becoming more and more trendy as time moves on. Innovators such as Mercedes has put self-driving capabilities in many of its models, followed by General Motors Nissan, Toyota, Audi, Volvo, and Tesla. Self-driving cars are no longer a talk of possibility; they are now here to stay. For that reason, GM has jumped on the forefront to invest $500 million in LYFT’s initiative for their Driverless Car Network. This effort essentially will change the way how we commute and reduce the risks associated with impaired drivers or drivers which are inebriated. As opposed to going out in the car yourself to make a pickup of a friend or parents, a simple call or selection in the LYFT app will send a Driverless LYFT vehicle to the pickup aid of the designated person and taking them safely to their next location without incident. This means that the 94% of road accidents which are caused by human error will be drastically dropped due to the car being driven by Artificial Intelligence. Roadways will be more accessible with less vehicles cluttering the highways as more accessibility for carpools and more ability to work while riding effortlessly to work or to school. Many traffic jams are accounted by accidents which occur during morning or evening rush hour. Imagine not having to deal with such delays and being able to effortlessly get home while finishing up a project for work, school, or leisure. This is the future the LYFT is in the process of unveiling to the world in 2017. As far as designs for the Driverless Car Network that LYFT will unveil in 2017, its all just speculations as LYFT along with General Motors has managed to keep talks or leaks about the designs under heavy guard. At the moment these companies stand at the cusp of changing the way how we all use our vehicles and LYFT is the company that is driving the helm.

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