Global Digital Store – Ebooks and Softwares

Tag: lifestyle

Saving for college now could help you avoid financial pitfalls later

Borrowers who are 60 and older are struggling with college bills, which can affect their retirement goals and lifestyle.

Read More
https://investornews.vanguard/saving-for-college-now-could-help-you-avoid-financial-pitfalls-later/

Views: 0

March 25, 2020
Preventing child obesity in the next generation must start before conception

The key to preventing obesity in future generations is to make their parents healthier before they conceive, leading health researchers suggest.

In a series of papers, published in The Lancet Diabetes and Endocrinology, the researchers say that the time before couples conceive represents a missed opportunity to prevent the transmission of obesity risk from one generation to the next. They argue that a new approach is needed to motivate future parents to live a healthier lifestyle.

There is now a wealth of evidence that the risk of obesity and its associated conditions, such as heart disease diabetes and some cancers, could impact the developing baby. In turn, when the child becomes a young adult they may pass the risk of obesity on to their children – it is a vicious cycle.

Views: 0

February 27, 2020
Writing a Financial Plan on Your Own

[ad_1]

Like anything in life, you need a plan to succeed. That applies to your personal finance too. No one is completely secure financially unless you have accumulated millions of dollars and decide to live off the nest egg for the rest of your life.

Unfortunately, for most people, they are unprepared for retirement. Financial planning is crucial in reaching your goals of retiring comfortably. But having say that, how does one go about writing a financial plan without any formal education?

Below is a quick step-by-step guide to writing your own financial plan. Of course, a professional financial planner may be able to give you a more comprehensive financial plan but this will be a good step forward in understanding your needs and clearing some stumbling blocks.

1. What Are Your Objectives?

Don’t be afraid to dream – you only live once. Think about the size of the home, the education, your family, etc. Just pen these thoughts down of how you want the future to look like. Once you list down your ideals, remember to factor in mundane issues like kids education, insurance, etc.

Your goals should include:

* Education. Regardless of your age, extra education and training are needed either for a career switch or self-improvement. A lot of people are taking college courses (even with teenagers) or upgrading to an MBA to climb the corporate ladder. Even if college education is out for you, you still have to plan for your children’s college degree, unless you intend to leave them to their own devices.

* Career. What field do you desire to work in? Is it a creative job or a typical 9-5? Or do you want to be your own boss? Do you want to create multiple source of passive income?

* Lifestyle. Is work or family more important? Are you contended with “simpler living?” Do you desire a Porsche or BMW? Do you want to live in a mansion, a seafront house, etc? Do you have expensive hobbies life golf? These all cost money so tabulating the expenses and matching it to your income is necessary to achieve your lifestyle goals.

* Retirement. Don’t forget about retirement. It is a moment when you lose your income. So how do you want to live while retired? Will you downgrade your house, live with your children, or move to a retirement community?

* Insurance. Nothing is certain in life. You need to be insured for worst case scenarios. Every financial plan must have provisions for insurance.

These objectives may seem daunting but they need not be wishful thinking. The actual money set aside could be much less than you think, if effective financial planning is involved.

2. Plan Your Income

Of course, your financial plan isn’t just about your dreams. How are you going to pay for it? I assume you don’t have a sugar daddy, so you should be following a life of employment. Most people have their career path charted in this format – go to college, get a job, work hard up the ladder and retire.

There is nothing wrong race except there is high uncertainty in today’s globalized environment. People change jobs all the time due to layoffs or to seek fresh challenges.

Instead of a day job, you can consider starting a businesses or becoming a freelancer to sell your skills. Business isn’t just for those with money, MBAs or connections. You can start a home business to mange lawn care, making money online with a website or a vending machine business.

Besides becoming your own boss, you can find other income through network marketing or investing.

Investing is efficient in building side income as it is simply growing the money you already have. You can buy gold, stocks, bonds, real estate, etc.

Regardless if you are a business owner or an employee, you should not let your money sit idly under your mattress. Even putting your money into an online savings account is more profitable.

3. Writing Your Financial Plan

At its core, a financial plan is a lifelong budget. You’ll be budgeting not just your next paycheck, but for your entire life. Planning involves knowing how you’ll get there and when you’ll get there. There are no hard and fast rules.

You have to be rational enough to assess your current situation, creative enough to see what is possible, and have the integrity to follow through with the plan. Remember, just because it’s on paper doesn’t mean it will happen – you have to decide to follow through and live up to your goals.

Get started by doing the following:

* Timeline. Establish where you want to be in five years? Ten? Thirty? Fifty?

* Research necessary costs. Your current “bills” plus 5% inflation per year. Don’t forget to factor in life insurance, health insurance, car insurance, etc.

* Research luxury costs. What you “want” to do. Cruises, nice cars, nice house, etc.

* Plan income strategy. For most people, they start with salaries. But don’t forget that your job isn’t your only means of income. Starting a side business, a money making hobby, or even making money online are viable options for extra income.

* Plan Investments. Investing is simply a must to counteract against inflation. You can invest in anything. Just make sure you know what you’re doing, and don’t put all of your eggs in one basket. As you age, financial security should become more and more important.

Try to factor in every cost and possible incomes. Whenever you aren’t sure about the numbers, be conservative. Also, bear in mind that a financial plan is ALWAYS about your goals. It’s not just about the money – it’s about getting what you want out of life. Money is just the tool.

[ad_2]

Source by Barry Ritz

Views: 0

February 10, 2020
Are You Getting Your Share of Mailbox Money?

[ad_1]

Does your business allow for “mailbox money” and a lifestyle you love? If not, what would it take for you to create this?

Let’s start with the definition of mailbox money. This is money you receive in both your inbox and your physical mailbox.

I first heard the term from Mary Morrissey. When I heard her definition I realized I have had mailbox money for years.

Based on how you have your business set up you likely have a general idea of a minimum amount of money that will arrive daily whether it be a few hundred or a few thousand. Beyond the baseline, you likely won’t know from day to day how much cash will arrive. The reason? Multiple streams of revenue that fluctuates from day to day.

Multiple streams of revenue is exactly what it sounds like; money that comes from various sources. One way to create multiple streams of mailbox money is with information products; yours and those you sell for others.

The more information you have to offer that your market has an interest in the more revenue you can generate.

If you have no products of your own you can start by becoming an affiliate seller. Make sure whomever you sell for and whatever you make available you are selling an outstanding product or service you are proud to make available to your market. Never, ever, ever sell anything you can’t put your personal stamp of approval on.

Keep this in mind.

Don’t sell simply to make money. Making money simply for the sake of making money may be short lived. Start from the point of, “What would create the greatest value and truly serve my market?” When you think in terms of being of service, the money will follow for a long time to come.

You may have to test a few products to identify your markets’ sweet spot both with the type of information you are introducing and the price point.

Some online entrepreneurs are very successful by selling other experts’ products. Others prefer to create their own. Still others like a combination of the two.

I lean towards the latter.

If you’re planning on developing your own products now is the perfect time to begin. However, you will be well served to plan out what you introduce.

Follow these simple steps to move you in the right direction.

• Identify what your potential customers are interested in. A survey can help considerably in this area.

• Determine what knowledge you have that people would be willing to pay for.

• Decide the format for the information product; video, audio, MP3.

• Determine method of delivery; ClickBank, autoresponder, other.

• Determine method of payment; PayPal, credit card.

• Develop the product.

• Develop a landing page. If you’re not qualified you can find plenty of eager designers on elance.com or get a free or low cost template program.

• Market.

Obviously, there’s more detail I could cover, but this will be a great place to start. I can assure you that when you have several things to offer your market, both yours and those of other experts, you’ll get very used to watching your “mailbox money” arrive on a daily basis.

So much in fact, you will know what it means to have a lifestyle business.

What’s your experience with mailbox money? Are you getting your share?

[ad_2]

Source by Kathleen Gage

Views: 0

February 10, 2020
Lifestyle Changes

[ad_1]

Lifestyle Choices: Learn to Overcome Emotional Overeating

Overcoming emotional overeating can seem overwhelming, and setbacks can be expected. But the good news is, there are lifestyle choices that you can make to help overcome this problem.

The key word is choice – you can choose to follow a healthy lifestyle. Sometimes it helps to break things down into small, specific steps you can take (just trying to lead a “healthier lifestyle” is a bit vague!). Following are some of these specifics. And remember, setbacks and relapses are not unusual. Don’t beat yourself up; just start fresh tomorrow.

It is never too late to start afresh and start feeding your body with the nutrients it needs to sustain itself and function better as a whole.

Under-nourished people usually do not have the time or knowledge to ingest proper food and are thus losing out on a healthy lifestyle and risk putting their lives in jeopardy.

Exercise

Experts are in general agreement that regular exercise three to five days a week is most beneficial. This exercise should consist of at least 20 minutes of cardiovascular exercise (such as vigorous walking, jogging, biking, etc.) followed by some light toning or weight training. Committing to this regimen full-force is not necessarily the best way to go; if you can only exercise once or twice a week, that’s still better than nothing and will hopefully pave the way for more in the future.

Exercise is said to relieve emotional overeating in several ways. For one, exercise produces endorphins which are the body’s natural “feel good” hormones. For another, exercise prevents boredom and mindless eating, which is what you might be doing if you weren’t exercising! And finally, exercise will likely boost your self-image, helping to break the cycle of low self-esteem and poor self-image that “feeds” emotional overeating disorder.

Nature

Never underestimate the healing power of nature! For those with emotional overeating disorder, choosing to spend more time out in nature can be particularly beneficial. After all, in the natural realm there are no media messages to mess with your self-image, and being in nature connects you to your origins and the origins of food.

Some experts theorize that detachment from food and its natural source plays a role in emotional overeating disorder. Getting involved in nature and exploring and appreciating it can go a long way toward reconnecting with our biologically normal view of food. Maybe you can kill two birds with one stone and do your regular exercise outdoors!

[ad_2]

Source by Michael Oscar Pisani

Views: 0

February 9, 2020
Affiliate Marketing – An Online Business That Is Recession Proof

[ad_1]

Are you looking for an on-line business that is recession proof? Would you like to start a business that no matter what the economy is can still provide a substantial income that would allow you to maintain a quality lifestyle for you and your family? Well look no more, that business is called Affiliate Marketing.

Picture this scenario: You visit a huge warehouse stocked with thousands of sale items. Let’s say you decide you want to sell some of these items but you don’t want to purchase them upfront (in case they don’t do well); you don’t want to stock inventory of the items in order to bypass the shipping; and you really don’t want to keep track of the orders. Basically, you just want to know when the item sells and that you’ve made a profit.

The bad news is, if you went to a physical warehouse and told the owner that this is the way you want to do business, you’d be shown the door. The good news is, as an Affiliate Marketer, you could run your on-line business exactly this way. The warehouse would be your websites or blogs which is where your visitors would come. The links on your site page will take the visitor to the on-line merchant who has the inventory of products you are promoting. If it is a material product that requires shipping, that is handled by the merchant. You will become a member of an Affiliate Network that will handle promotions, tracking orders and making deposits into your on-line money account! The best part is, your business would be a 24/7 operation, which means you could be making money while you sleep.

No matter what the state of the economy is, people will always make purchases on the internet. It ranges from impulsive buying to purchasing items of necessity, to buying gifts for others or buying information to help improve the quality of life.

Is this an easy business to start, not in the sense that you don’t have to invest the time required to set up your sites, your networking accounts and tools to help generate traffic to your sites. But there is a plethora of free information on the internet about Affiliate Marketing. Do your research and get the knowledge, the tools and develop the skills that will ensure your success.

Here’s to Great Success!

[ad_2]

Source by Connie Sloane

Views: 0

February 8, 2020
Taekwondo Drug Testing

[ad_1]

Every athlete which will participate in any athletic events including Taekwondo tournaments are sanctioned to undergo drug testing which is to be performed solely by their respective Anti-Doping Agency which practices the Protocol for Olympic Movement Testing.

In the past, there were already several athletes who have been sanctioned by the board and were not allowed to participate in Taekwondo tournament because they failed this drug test. So it is a must that every Taekwondo athlete should never refer to the use of drugs just to enhance your potentials.

History of Drug Tests amongst Athletes:

The history of drug test amongst athletes originated during the Summer Olympic Games which involves Carl Lewis and Ben Johnson in their 100m dash competition. Ben Johnson crossed the finish line in a remarkable finish which made him the fastest man alive but this was soon disregarded after he was positively diagnosed to have anabolic steroids in his system a week after the competition.

This revelation prompted the Olympic Game organizers to have urine drug screens on its participants so as to guarantee that fairness and equality will remain in the competition. Drugs which are prohibited to be used by these athletes include stimulant drugs, beta blockers, masking agents and anabolic androgenic steroids. These drugs are known to help increase and enhance the athletic performance of athletes after they are taken but will also result to several negative side effects which are detrimental to the athletes’ health in the long run.

How is the drug test performed?

The drug test will take place at any time during the competition. The athlete is unaware when it will take place but a Doping Control representative will notify the athlete if the time for his or her drug testing has been scheduled. He or she will then be required to comply with the policies and arrive at the Doping Control Station so he or she can proceed with the drug test procedure.

The Doping Control Representative allows him or her to bring a chaperone but the athlete should remain in the sight of the DC representative all throughout the drug testing procedure.

What will happen if the athlete refuses to take the random doping test?

Any athlete who refuses to take the random doping test will be duly sanctioned by the Organization in charge of the event and may receive an athletic suspension of two years such as what has happened to Park Hyo Ji, a South Korean Taekwondo athlete.

How to pass the required drug test for Taekwondo athletes?

There is no safer way to pass the urine test for Taekwondo athletes than to do practice a clean and healthy lifestyle. In the end you will be the sole benefactor of your healthy living. Do not fool yourself because honour and prestige which is earned through hard work is always sweeter compared to something acquired through deception. If in doubt, consult the list of banned substances and supplements which are available in all area agencies. Again always cover yourself, if you are taking something that isn’t on the accepted list, that doesn’t mean it has no performance enhancing properties. Write to your Governing Doping Agency to get the all clear prior to starting a new or unknown supplement.

Keep in mind the Five Tenets of Taekwondo. Be true to your oath as a student and live the principles of you were taught.

[ad_2]

Source by Brendan Mark Smith

Views: 0

February 7, 2020
Book Review: Breaking Through, Being Healthy In Mind, A 250 Pound Weight Loss Story

[ad_1]

I recently finished two of this author’s eBooks: Breaking Bad, Overstanding Behavior from an Abusive Father, Breaking Point 1, and Understanding Manifestation, Create a Vision and Hold on Tight, Overstanding Book 1. The author, Jason Criddle, is a product of mixed race and broken home. His father, a black man, severely beat him when he was young, and when Jason was nine-years-of-age his father left him and his white mother to their own devices.

I was impressed with this author’s writing style as well as his forthright openness about his childhood and the insights into his eventual success. Consequently, I just had to read this book too. But the primary reason I looked for this weight loss reading in particular is the personal journey that I’ve experienced with obesity.

I was a slender youth, an active athlete in high school, and well-muscled – “lean and mean” while in the Marine Corps. However, about fifteen years ago I came to the realization that I’d gained from 3 to 5 lbs. annually for the past twenty-five years. When I was in the Corps I weighed 185 lbs. Since then, the high-water mark for me was 308 lbs. I felt terrible, it hurt to sit with that large belly in the way, and each of my joints ached when I walked. So, I’ve been searching for diets to bring me back to my optimum weight.

Slim Fast and other supplements didn’t help. Atkins, liquid, and a number of other diets didn’t help. I’ve read a few books that have helped to some degree… books about quinoa, healthy slushies, juicing, paleo-diet, even hypnosis, and self-affirmations, all have helped. But I needed to find something that was all-encompassing, something that would touch all aspects of life. I found it in Breaking Through. Our author has presented us with a change in living, a change in life, and a new method of thinking. It’s not just diet and, in fact, this is not a diet book. It’s about keeping active, eating smart at correct intervals, and thinking positively.

I’m proud to say that I’ve lost 21 pounds, down to 287, about a pound or two over each of the past three months. That is in fact the best way to lose weight – slowly, but consistently. If you tend to gain weight over the holidays and need to start a healthier lifestyle this, of course, isn’t the answer to everything, but it’s certainly a start and it’s an inspiring read!

[ad_2]

Source by Christopher E Gregory

Views: 0

February 7, 2020
Lifestyle Diseases

[ad_1]

There have been increasing reports of several lifestyle diseases affecting the people from several countries of the world. One of the main reasons for this is lack of time to think about good health. Some of the other reasons include, lack of awareness, bodily disorders, excessive work related stress, etc. The rural uneducated people do not follow the basic principles of nutrition. Most of them are also poor.

Hyper tension and excessive blood sugar levels are the most important risks affecting the lives of many people. Besides several other contributing factors, excessive salt in the body seems to be facilitating increase in the levels of blood pressure. Kidney is the vital organ which does control blood pressure levels. According to the medical researchers, the readings above 140/90 are known as the hyper tension. lesser salt intake, relaxation, drinking green tea, consuming two or three garlic cloves in the morning, etc are some of the natural remedies Balanced diet or nutritious food and brisk walking are also helpful. Avoiding the risky decisions, planning the work perfectly, avoiding disappointment, inclusion of fun in one’s life, meditation, yoga, management of time effectively, healthy inter personal skills,etc would also aid in reducing unnecessary stress.

Good sleep can reduce higher glucose levels. Our blood needs only certain minimum levels of glucose. The excessive amounts can cause several health problems. The excessive glucose in the blood would lead to its clotting. The body might lose its immunity. Consuming our food at regular intervals would go a long way in reducing the risk of high glucose levels. Natural herbs such as neem leaves, lady finger, garlic, onion, green tea, etc are of great help to maintain normal blood sugar levels.

Obesity is one of the major factors in reducing the effectiveness of the people. It is also responsible for the onset of the above mentioned health hazards. Several factors do play a role in the increase in our body’s weight. Many people seem to be getting good awareness about the ill effects of excessive weight.

Stroke, cardio vascular diseases, loss of eye sight, etc are some of the consequences of improper lifestyle. Medical scientists do suggest to include more vegetables in the diet. Stress seems to be basically the mind’s problem. Higher glucose levels too cause stress.

Proper medication, nutritious diet, regular exercise, etc would go a long way in maintaining the normal levels of both glucose and salt.

[ad_2]

Source by Tirumala Prasad

Views: 0

February 3, 2020
A Cardiologist Could Save Your Life

[ad_1]

Everyone has to see a doctor at some point in their lives. Unfortunately there is not one doctor that can diagnose or treat every problem. If you are having any issues or concerns with chest pains, high blood pressure, shortness of breath or issues with your blood vessels your doctor will most likely refer you to a specialist that deals specifically with these types of issues. This specialist is known as a cardiologist and they deal with preventing, diagnosing and treating diseases of the heart and blood vessels.

When you are referred to a cardiologist you can be sure that you are seeing a doctor who is highly trained in a very specific area. These doctors have an extensive educational background which includes four years of medical school and three years of training in general internal medicine. Following that they will spend another three years or more in specialized training. In order for these doctors to become certified they must have completed a minimum of ten years clinical and educational training and then pass a two-day exam that is administered by the American Board of Internal Medicine.

There are a variety of reasons that your doctor might refer you to a cardiologist. If there is any suspicion that you might have a significant heart or related condition you are a good candidate for a referral. Some patients that have heart murmurs or any signs of change in their ECG will also be good candidates for a referral. These doctors will be involved in the treatment of any heart attack, heart rhythm disturbances or heart failure. They are also very involved in helping patients who are affected by heart disease return to a normal life and they counsel patients about the risks as well as the prevention of heart disease.

Every patient has a different experience with a cardiologist. All patients will be required to undergo an initial consultation where the doctor will review their medical history and perform a physical examination. This examination may be a little more in-depth than what patients are used to and may include such things as having their blood pressure, weight, heart, lungs and blood vessels checked. Depending on the patient’s symptoms and the doctor’s findings on the examination a diagnosis may be made at that point. In some cases additional testing such as an ECG, x-ray or blood test may be required in order to make a definitive diagnosis. Pending the results and diagnosis the doctor may recommend medication or some lifestyle changes.

For some people the thought of going to a doctor is scary at any age. The thought of being referred to a specialist may be even more frightening for some people. It is important to remember that your doctor would not make a referral to a specialist unless they truly thought it was necessary. It is always better to be cautious and if there are any concerns about issues pertaining to the heart you definitely want to be in the hands of an experienced cardiologist.

[ad_2]

Source by Aloysius Aucoin

Views: 1

January 31, 2020