Tag Archives: The Ultimate Game of Life

Becoming $1,000 Richer in Just 5 Tips

What may seem to be a minuscule purchase at the time, could be burning a hole in your pocket, and often times it goes overlooked. Establishing best practices can save you $1,000 in a week if executed consistently and honestly, who couldn’t use an extra $1,000 around, am I right? Rammit Smith, author of, “I Will Teach You To Be Rich” provides these important tips when it comes to saving:

1)Optimize Your Cell Phone Bill

When buying a new cell phone, Sethi likes to pay a little bit more upfront by choosing the unlimited data and text messaging plan. He then sets a three-month check-in on his calendar, and analyzes his spending patterns after a few months to see where he can cut back.

-Estimated Savings: $20- $600

2) Create a No Spending Day Once a Week

Choose one day each week and challenge yourself to not spend a single dollar.The key to this tip is putting it in your calendar so it becomes a consistent system.

Estimated Savings: $5-$75

3) Postpone a Large Purchase Until Next Month

Set a reminder on your phone to remind you about the desired purchase and most likely you will either realize you don’t need the object anymore or it may even be on sale now.

Estimated Savings: $50-$3,000

 

4) Go Cash Only

Take a limited amount of cash out of your checking account that will last for a few weeks. This habit will force you to become a conscious spender.

Estimated Savings: $50-$300

 

5) Forget The Bar Scene- Ask Your Friends To Your House

Copyright:ridofranz
Copyright:ridofranz

 

Even if this is only done once or twice a month, it is one of the most cost effective decisions according to Sethi. This factors out costs such as, gas, food, drinks, tips, taxicab, valet, etc.

Estimated Savings: $50-$200

 


 

 

Read The Rest of Sethi’s Tips at:  http://www.businessinsider.com/how-to-save-money-quickly-2015-6?op=1#ixzz3dZ6lfNV0

Climate Change: Dark days ahead…

It’s commonly known that climate change is happening and not for the better; ‘eco-friendly’ and the ‘green movement’ are at last a trend, and for the most part, people are finally taking a plunge to make the world a more sustainable stomping ground. However, these are all important steps to reach the light at the end of the tunnel, but take a look at the research below that shows where investment needs to improve to get us there faster…   

The International Energy Agency estimated in a recent report that the world needs to spend $359 trillion between now and 2050 to avoid catastrophic climate change.

It isn’t just that we’re not investing enough money; we’re not investing enough money by a factor of more than 17.

And that’s a moral, economic and geopolitical failure.

Screen Shot 2015-12-10 at 10.21.14 AM

Meanwhile, if we don’t do anything to try to limit climate change, the world will spend $318 trillion by 2050 on the kind of greenhouse gas-producing energy and transportation infrastructure that actually fuels climate change. To limit climate change, that money needs to be spent on clean infrastructure, not dirty energy projects. And beyond shifting the money we are already projected to spend on dirty energy to clean infrastructure, the world needs to invest an additional $40 trillion over 35 years to keep the rise in global temperatures below 2 degrees Celsius.

The extra $1 trillion per year investment in clean energy that is needed, above and beyond what we are already projected to spend, has been dubbed the “clean trillion” by nonprofit sustainability advocacy group Ceres, and that’s what we should really be aiming for.

 

“The world needs to be shifting trillions into clean energy, not just billions,” Christopher Fox, a director at Ceres, told The Huffington Post.


Read more from the original source here: http://www.huffingtonpost.com/entry/stop-climate-change-cost_56532267e4b0879a5b0b8a1b?utm_hp_ref=business

 

[VIDEO] Frightening Reasons You Should Watch Your Diet This Holiday

“It’s the Holidays… ” seems to be everyone’s excuse to ease their guilty conscience, post stuffing dessert in their face… It’s the phrase that clears the responsibility of eating healthy; however, it could also be the phrase that slowly kills you. Watch this video below unravel the reasons you should keep close to your healthy eating habits this holiday season:

 

 

How To Handle Your Money From a New Job

After countless interviews, patiently waiting, and anxiously negotiating, you finally landed that new job! Many of us get caught up in the emotions of success and satisfactory emotions after the acceptance, but there is one more factor to analyze; how this transition will affect your finances. Thankfully, experts have established what to do with your money when you start your new job:

1. Make sure you understand your new compensation package.

Job seekers tend to focus just on salary, says Cameron Laker, CEO and cofounder of human resources and recruitment firm Mindfield. But before you start your new job, you should sit down and review all the ways in which your finances will be changing.

2. Adjust your budget.

If you’re taking a lower-paying job to join an exciting new startup or follow your passion, you’ll need to carefully consider how you’re going to scale back. If you’re going to be making more money, you’ll have to plan ahead in order to avoid lifestyle creep.

3. Decide what to do with your former workplace’s 401(k).

If your former employer offered a 401(k) plan to save for retirement, you’ll have several options: keeping it as-is, rolling it over (industry jargon for moving it) into your new 401(k), or rolling it into an IRA.

For most people, he says, rolling over retirement accounts into an IRA is “the path of least resistance.” Usually, it will offer lower-cost investments than their new 401(k).

4. Change over your insurance.

In many cases, you won’t be able to start using your new health insurance plan until you’ve worked at the company for thirty days. During the transition period, you’ll want to enroll in COBRA to keep your old coverage going, Oliver says. That can be expensive, since you’ll be taking over the costs that were once covered by your employer, but it’s still worth the peace of mind that comes from knowing that you’re prepared in case of emergency.

Once you’ve given your notice, your company has 14 days to give you the option to receive COBRA coverage. If you say yes, your coverage will begin on the day after your benefits would normally end.

5. Understand how vesting works.

Does your new employer offer vesting that will allow you to earn equity over time? If so, you’ll want to figure out exactly how that works. Generally, companies will grant you options from the start, but they only become yours as they vest over time. Likewise, you may be given stock, but the company will retain the right to repurchase it if you leave, unless it has fully vested.


Read more: http://www.businessinsider.com/what-to-do-with-your-money-when-you-change-jobs-2015-7#ixzz3fo9v559c

Research shows Selfishness Sucks…the life out of you!

Turns out, being selfish can affect you more than just losing you a few friends. There are two types of happiness that result from either self gratification or having a purpose in life and these scientist have figured out the affects each have on your human genome.

“Researchers from UCLA’s Cousins Center for Psychoneuroimmunology and the University of North Carolina found that people who have high levels of what is known as eudaimonic well-being — the kind of happiness that comes from having a deep sense of purpose and meaning in life (think Mother Teresa) — showed very favorable gene-expression profiles in their immune cells. They had low levels of inflammatory gene expression and strong expression of antiviral and antibody genes.

However, people who had relatively high levels of hedonic well-being — the type of happiness that comes from consummatory self-gratification (think most celebrities) — actually showed just the opposite. They had an adverse expression profile involving high inflammation and low antiviral and antibody gene expression.”


Original Source: www.eurekalert.org

Two Ten Minute Workouts to Melt Fat Fast!

If you can spare ten minutes, you’ve got plenty of time in your busy day to complete these two workouts that are catered to you from Fitness expert holly Perkins. She has developed these workouts with some upbeat jams synced to each workout. We provided the workout and tunes, you bring on the pump. Time to rock out that workout!

For an Upper Body Workout:tenmin2

For a lower body workout:tenmin1


 

Original Source: http://www.buzzfeed.com/sallytamarkin/5-three-song-workouts

 

You Can Now Afford Healthy Eating Thanks to This…

It’s a common assumption that having a healthy diet often comes with a pricey grocery list, but believe it or not, there are ways to beat the price tag when your grocery shopping for healthy foods; you just have to know what to look for. Whether you are a business owner with a busy day or a high performance athlete, everyone has a budget and everyone needs a healthy diet to keep them rocking throughout their day. Thanks to registered and licensed dietitian at Urban Nutrition, Nicole Chase, and nutritionist and author of “The One One One Diet,” Rania Batayneh, we have 5 of your next grocery list items:

Sweet Potatoes

You can find this versatile veggie for $.50 apiece at Trader Joe’s.

Photo:Wally Hartshorn
Photo:Wally Hartshorn

While one serving contains about 40 grams of carbs, there’s no need to feel bad about consuming carbs if they’re coming from sweet potatoes, Batayneh tells us. “They provide your muscles and brain with energy, as well as a host of other nutrients to keep your body running smoothly. High in fiber, they help maintain healthy blood sugars. They also contain beta-carotene, a precursor for vitamin A.”

 

 

Dried Beans

Beans are often overlooked, but they’re a great economical ingredient to add to your grocery list.

“A serving of beans — about ½ to ¾ cup — offers eight grams each of muscle-building protein and satiating fiber, making them a healthy and economical add-on at breakfast, lunch, or dinner,” says Batayneh. “Dried beans are cheaper than canned beans but require advance planning, as they generally require soaking for a couple hours.”

Chase agrees that buying dried beans in bulk is the least costly option, and recommends using them as the base for meatless meals.

Eggs

“At around $.20 per egg, eggs are one of the most economical (and environmentally friendly!) sources of protein,” says Batayneh.

“Both the whites and the yolk are valuable sources of nutrients: The whites offer six grams of high quality protein, while the yolk provides choline, a B vitamin that plays a role in brain and liver health, as well as zeaxanthin and lutein, two antioxidants that boost eye health.”

What’s more, egg preparation options are endless. Try them scrambled, hard-boiled, soft-boiled, poached, or whip up an omelet or frittata.

Jicama

If you’re looking to munch without loading up on hundreds of calories from chips, crackers, or other crunchy snacks, jicama is your answer.

“Ditch the chips and try sliced jicama, a non-starchy vegetable with a crispy, juicy flesh,” says Chase. “Jicama is a tuber vegetable that can be found in the produce section of your local grocery store. With only 25 calories per half cup, sliced jicama packs in 20% of the daily value for vitamin C and is a good source of fiber.”

Chase recommends peeling and slicing the veggie to use in place of chips as a dipper for appetizers.

Canned Tuna

“The American Heart Association recommends consuming at least two servings of fatty fish per week, but for the time- or money-conscious, that can be difficult,” Batayneh tells us. “Canned tuna (or salmon) removes both of those obstacles.”

Cans of Tuna isolated against a blue background
© kitchbain

You can find two-serving cans for about $.70 each, and they’re rich in omega-3 fatty acids, she says. “Omega-3 fatty acids improve heart health by reducing blood triglyceride levels and slowing the growth of atherosclerotic plaques. Their consumption is also correlated with a reduced risk of depression.”

 

 

 


 

To view more affordable, healthy grocery items, read more here: http://www.businessinsider.com/the-healthiest-cheapest-foods-2015-7

Hack: Defeat Your Worst Enemy- Dehydration

Get this: our bodies are made of 50% water and two of our vital organs needed to survive (our brain and heart) are made up of 73% water. So the statistic that 7% of Americans drink NO water in their day, should literally make you get up out of your chair and grab a glass for their sake.

Full-on dehydration occurs when you lose more fluid than you take in, and your body lacks the water and other fluids necessary to carry out basic bodily functions. Symptoms of moderate dehydration include:

– Dry, sticky mouth

– Sleepiness

– Thirst

– Few or no tears when crying

– Dry skin

– Headache

– Constipation

– Dizziness

– Lightheadedness

– Extreme fussiness or sleepiness in infants and children

– Irritability and confusion in adults

– Very dry mouth, skin and mucous membranes

– Lack of sweating

– Little or no urination

– Sunken eyes

– Shriveled and dry skin that lacks elasticity and doesn’t bounce back when pinched into a fold

– In infants, sunken fontanels — the soft spots on the top of a baby’s head

– Low blood pressure

– Rapid heartbeat

– Rapid breathing

– Fever

– In the most serious cases, delirium or unconsciousness

Water for the active

For the physically active, water has added benefits. It prevents achiness, and it flushes toxins from the body. “Drink in advance of activity and during and after as well,” Cartwright said. “By the time thirst kicks in, you are dehydrated.”

What about sports drinks?

Cartwright is also an adjunct faculty member with the Department of Nutritional Sciences at the University of Arizona. She often has to remind her college students that energy drinks and sports drinks are not the same thing. She recommends sports drinks that contain six percent glucose or less for endurance athletes as well as for people who live in extreme environments (such as college students walking all day in the Arizona heat) or anyone engaged in an activity that causes them to sweat profusely. Otherwise, water is preferable. Cartwright is leery of the smart water craze. “There’s no reason to buy smart waters,” she said. “It does have added vitamins, but for some people it makes them nauseous, and it doesn’t really do anything except cause them to spend more money.”


Learn More At: http://www.livestrong.com/article/1006640-thy-enemy-dehydration/

Exclusive Insight From The Mindful Gurus Themselves

These kids who have benefited from social-emotional learning from a charter school in Mar Vista, California have more of a grasp on what’s going on inside their mind than most adults do. Whether your brain feels like a jar of glitter being shaken up or you find a peaceful place and take deep breaths, we could all take a few notes from these mindfulness gurus themselves in the video, “Just Breathe” by Julie Bayer Salzman & Josh Salzman (Wavecrest Films)