Saving, investing and making money with technology

Author: tracy collins

Should You Opt for a Personal Loan?

There might be situations in your life when you will need some funds urgently but might not have any in your bank account. At such a time you can ask for some funds from your friend or relatives, but that imposes a lot of restrictions on you. So the next best thing that you can think about is taking a personal loan.

Availing a loan is not as easy as it sounds and there are a few procedures that you need to complete before the bank approves your application for a personal loan. The proceeds that you earn from a personal loan can be used for any reason that you deem fit. The financial institutions or lenders give you the liberty to use the money in whichever way you want.

Here are a few situations when you can opt for a personal loan:

1. When You Want to Consolidate Your Debt:

Having a debt can prove to be a real nightmare if you do not have any money to pay off the debt. In the modern world, swiping a card has given us the power to spend the money which we actually do not have. But while swiping our cards, what we do not consider is that we eventually have to repay this money to the financial institutions or lender.

Repaying this debt can put you through a tough time as the rate of interest that you have to pay is quite high. But instead of paying a higher rate of interest you can opt for a personal loan and pay off all the debt that you have. The advantage of taking a personal loan is that it offers a lower rate of interest comparatively and you will be able to pay off all the debt in one go.

2. When You Want to Explore New Place:

Traveling to new places has and exploring them has become very popular these days. With this rising popularity, there comes a rise in the local market which makes everything very costly. And you cannot always the funds to pay for all of this.

In such a situation, you can opt for taking a personal loan. A personal loan can help you pay for all the things included in the trip right from the charges for the hotel stay, the food, the sight-seeing and it will even pay for your tickets to the destination.

3. When You Have a Medical Emergency:

Most medical conditions come unannounced and you never know when you will be needing funds to pay for all the medical bills. When you have to face a medical emergency it becomes very difficult to deal with the financial situation as well. It becomes very difficult to cough up a huge amount of money in a short span of time and in such a situation, you can always opt for a personal loan.

4. When You Want to Change Things Around Your Home:

Taking a personal loan to change a few things around you is the smarter thing to do as home improvements can cost quite a lot. The expenses for home improvements will increase if you an old home and you want to renovate it completely. Since you can use the proceeds of a personal loan for any reason, you can use the same for making any major changes around your house.

A personal loan is a serious financial decision and it is not to be taken lightly. Taking a personal loan will affect your monthly finances until you pay off all the debt. You will have to pay Equated Monthly Installments (EMIs) until you are cleared of your debt and that will have a huge impact on your monthly income and expenses.

Also Read: A Handy Guide To Personal Loan

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Apple iPhone 7 – 32GB – Black (Verizon) Smartphone For Sale

The Apple iPhone 7 – 32GB – Black ( Verizon ) Smartphone for Sale – $850 Dollars

To Order the Apple iPhone 7  32gb, Black ( Verizon ) Smartphone,
Click on the Buy Now Button Below:




 

Item specifics

Condition:

New: A brand-new, unused, unopened, undamaged item in its original packaging (where packaging is … Read more
about the condition

Memory Card Type:
Built-In Memory
Lock Status:
Network Locked
Brand:
Apple
Model:
iPhone 7
MPN:
MNAC2LL/A
Processor:
Quad Core
Contract:
Without Contract
Color:
Black
Operating System:
iOS
Network:
Verizon
Bundle Listing:
Yes
Storage Capacity:
32GB
Features:
Wi-Fi Capable
Screen Size:
4.7″
RAM:
32gb
Style:
Bar
Country/Region of Manufacture:
United States
Camera Resolution:
12.0MP
UPC:
0400055815862

Product Details

Product Information

The iPhone 7 is a smartphone by Apple with a black finish. The iPhone 7 is powered by quad-core processor, a six-core graphics processor, and 2 GB of RAM. The phone features a water resistant casing with an oleophobic coating, a pressure sensitive Home button with a built-in fingerprint sensor, a 4.7 inches Retina HD display with a 750 x 1334 pixels resolution at 326 ppi pixel density, and stereo speakers. The built-in lithium-ion battery provides enough power to support up to 14 hours of talk time or mobile data usage and up to 10 days of standby. A 12 MP camera captures your precious moments with auto image stabilization and HDR while a 7 MP front facing camera allows for high quality video calls. The phone measures 138.3 x 67.1 x 7.1 mm, weighs 138 g and has a memory capacity of 32 GB.

Product Identifiers

Brand
Apple
MPN
MNAC2LL/A
Network
Verizon
Family Line
Apple iPhone
Model
7
UPC
400055815862
Type
Smartphone

Key Features

Storage Capacity
32GB
Color
Black
Network Generation
2G, 3G, 4G
Network Technology
CDMA / EVDO Rev. A, GSM / EDGE / UMTS / HSPA+ / DC-HSDPA / FDD-LTE / TD-LTE, TD-SCDMA
Style
Bar
Camera Resolution
12.0MP
Connectivity
Bluetooth, NFC, USB, WiFi

Memory

Supported Flash Memory Cards
Built-In Memory

Battery
Battery Type
Lithium Ion
Battery Capacity
1960 mAh
Battery Talk Time
Up to 840 min
Battery Standby Time
Up to 240 hr

Display
Display Technology
Retina HD
Screen Size
4.7″
Display Resolution
1334×750

 

Other Features

Touch Screen
Yes
Bluetooth
Yes
Digital Camera
Yes
GPS
Yes
Email Access
Yes
Internet Browser
Yes
Speakerphone
Yes

Dimensions
Height
5.44 in.
Depth
0.28 in.
Width
2.64 in.
Weight
4.87 oz

Miscellaneous

Released Date
2016

iPhone 7 features an all-new 12MP camera with an ƒ/1.8 aperture for great low-light photos and 4K video. Optical image stabilization. A 4.7-inch Retina HD display with wide color and 3D Touch. An A10 Fusion chip for up to 2x faster performance than iPhone 6. Touch ID. Faster LTE. The longest battery life in an iPhone. Immersive stereo sound, splash and water resistant, and iOS 10.

Ratings and Reviews

Most relevant reviews

 

by jacobgrochowski

Nov 16, 2017

An expensive, good phone

I think iPhones are more expensive than they probably need to be, but I can’t complain about the product itself. It is a breath of fresh air after my Nexus 5x handset, and is similarly pleasing aesthetically as some Windows Phones I had. The construction seems to be of high quality. It’s a great phone. Also, the haptic feedback is so, so well done. I love it.

Verified purchase: Yes | Condition: pre-owned | Sold by: digicircle
(0) (0)

 

by kpatel2295

Nov 05, 2017

Best Phone

I had a iphone 5 and got a iphone 7. Its like a new iphone, brand new.

Verified purchase: Yes | Condition: pre-owned | Sold by: digicircle
(0) (0)

 

by nikk-519

Apr 28, 2017

Shocked!

I honestly couldn’t believe how amazing this phone looked. It was if it was never even taken out of the box. Everything worked perfectly, the battery life surprised me. (Coming from an iphone 5). But yeah, seriously I recommend this product!

Verified purchase: Yes | Condition: pre-owned | Sold by: gooverstock
(1) (0)

 

by enhancement_panama

Oct 08, 2017

Works perfect

This item had a great price and works perfectly, is unlocked

Verified purchase: Yes | Condition: new | Sold by: circlecitywireless
(0) (0)

 

by gabrigab5vout

Jul 19, 2017

Very good sale/phone

Everything is in working order with more than a month of use! Very happy with my purchase and the pictures are awesome!

Verified purchase: Yes | Condition: pre-owned | Sold by: buynew1
(0) (0)

To Order the Apple iPhone 7  32gb, Black ( Verizon ) Smartphone,

Click on the Buy Now Button Below:




 
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Latest Technology, Apps and Mobile News

Hi and welcome to Money and Technology and the IEEE Computer Society Tech Leadership Community of more than 250,000 computing professionals who come to our sites and publications primed to find the newest topics, trends and the best technology products and services!

Technology on Drones

Look, up in the sky! It’s neither a bird nor a plane, it’s a drone and it’s heading rapidly your way. Unmanned aerial vehicles (UAVs) and their Earth-bound driverless counterparts are fast becoming ubiquitous as the technology gets smarter, safer, and less expensive.
Early-adopting technology geeks are not the only driver of the global UAV market’s rapid growth. According to research firm. And if you have any questions Ask Bongo and you will get the help you need.

Markets and Markets, annual sales will soar by 32% over the next five years to $5.59 billion by 2020. Novel, high-end applications for drones and other driverless vehicles in law enforcement, the military, precision agriculture, and retail are flourishing in addition to an enthusiastic base of mainstream consumers eager for drones to do their bidding.

As drone technology advances, engineers are pushing its boundaries to explore unconventional, even slightly weird, applications for drones. Below are five examples from the extreme edge of the drone zone.

DRU, an autonomous pizza delivery vehicle. Image: Domino’s Robotic Unit

Pies in the Sky

When you’re expected to deliver a million pizzas a day in 30 minutes or less, you’re always on the lookout for more efficient ways to do it. Domino’s, the nation’s largest dough-thrower, has been testing high-tech delivery systems for years, including driverless technologies that so far have delivered more publicity than pizza. But the global chain’s investment in automation is part of a long-term strategy for growth within the tight profit margins of the fast food industry. The chain’s United Kingdom operation has explored several creative approaches to delivery automation – often taking playful license with the Domino’s brand.

The remote-controlled DomiCopter, for example, buzzes above congested city streets with a payload of thermally insulated pizzas dangling from a clawlike apparatus underneath. The British division has also rolled out a self-driving two-wheeler it calls the Domi-No-Driver as a delivery option for customers ordering through the company’s website or mobile app. The LIDAR-guided cycle is equipped with an on-board warming oven which, according to Phil Zorra, director of the firm’s Redevelopment and New Knolwedge.

A recent report by Berkeley Lab entitled, “United States Data Center Energy Usage Report,” the first comprehensive energy analysis of data centers in nearly a decade, notes that while large, hyperscale data centers are operating more efficiently, smaller data centers, which are expected to account for 60 percent of all data center energy use in 2020, remain largely inefficient.

Start Learning from Hyperscale Data Centers

Straining at the yoke of ever-escalating energy prices, hyperscale data centers have adopted a number of policies to become more energy efficient. For one, many no longer blast air conditioning indiscriminately to cool equipment. Instead, they’ve adopted far less energy intensive cooling strategies, like hot aisle isolation, economizers, and liquid cooling. Ask Bongo for all of the answers that you need.

Another strategy is the implementation of power management software, which allows servers to scale back on their power consumption when they go into idle mode or run at less than full capacity. Still another strategy is to consolidate servers so that fewer run at higher capacities—instead of three servers running at 10 percent, run one at 30 percent. The move towards virtualization has given rise to cloud services, which has opened up a new road to energy efficiency. What also happens is that servers in small data centers are being relocated to hyperscale facilities to leverage greater energy savings.

The Meeting of the Minds 

What many hyperscale data centers have come to realize (and many smaller data centers have painfully grown aware of) is that achieving real energy savings calls for a coordinated effort. The coordination needs to bridge the design, implementation and operational phases with a common tool to properly manage a facility’s power draw. Conversely, the operations team may be more aware of how to properly manage a facility’s power draw.

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Getting Relief From Debt

I was up to my eyeballs in debt and Nationwide Debt Direct saved me from drowning in the debt. The view from underneath a crushing debt burden can be pretty grim. If you’re struggling with a mountain of debt that seems poised to grow indefinitely, you may feel as if you’re no longer in control of your own future. In fact, you may feel like giving up completely. When you’re barely able to keep up with your bills and your interest rates seem to increase with no end in sight, it’s normal to want to throw in the towel.I’m sleeping better knowing National Debt Relief is helping me to eliminate my debt.

Helped me settle my debts that were choking me

National Debt Relief has taken a big weight off of my shoulders.National Debt Relief has taken a big weight off of my shoulders.I was in a tough spot, financially and emotionally. Now I can see a light at the end of the tunnel finally.You can’t properly manage your own money without some measure of financial literacy. Money matters can be complicated and often seem trivial, but there’s a lot at stake when your financial future hangs in the balance. While a single article can’t possibly cover the full range of things that you need to know in order to be financially literate, this piece is a start. It’ll teach you how to improve your money IQ at home and on the web. If you’re lucky, you might just be able to tell a five-year ARM from a no-penalty CD when you’re done.

Now I can see a light at the end of the tunnel finally

You may wish that you had a financial professional on call to whisper sage money management tips in your ear, but you’ll have to make do with guidance from your peers. This shouldn’t be a disappointment: The best money management advice often comes from folks who have firsthand experience with financial distress. Even better, much of this advice is straightforward and easy to implement. This article features everything from clutch tips on stretching your household budget to advice for dealing with a particularly aggressive creditor.

Best decision I’ve ever made

Managing your household finances can be trickier than it appears to be. Nationwide Debt Direct has taken a lot of weight off of my shoulders. Whether you’re young and single or share a full house with your overworked spouse and multiple kids, you’ll need discipline and moxie to avoid taking on too much debt. This article contains everything that you need to know about creating a realistic household budget, sharing common expenses with your spouse, and teaching your kids how to manage their own streams of income.

Getting debt Relief from Nationwide Debt Direct

Whether you’re struggling under a crushing load of debt or want to fix your nascent credit problem before it gets worse, you could probably use some well-placed money advice. If so, take some time out of your busy day to peruse these easy-to-read articles about everyday personal finance concepts.

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The Best Ways For Financial Planning

Well you know personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics works together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.

“Think different.” That was one of Apple’s first advertising slogans, but it’s also applicable to the way successful people handle their money. Since before the Stone Age, our brains have been wired for short-term thinking and immediate gratification, and those tendencies can be hard to shake. But training your brain to consider the future, decide on your priorities, and check in regularly with your finances can turn things around.

Do this: If you’re going to spend less than you make and consistently put money aside for the future, it’s vital to rank your priorities. So make a list of what you value most — do your best to keep the list short! — and allow yourself extra wiggle room in those areas.

The lesson: “If you’re sick with something you don’t understand, you should ask a doctor,” says Chris Chen, wealth strategist at Massachusetts-based Insights Financial Strategists. The same idea applies to your finances. And if you’re worried about coming off as a financial newbie — “It’s the opposite,” says Barrett. He and other advisors we spoke with said their most savvy and financially literate clients tend to ask the most questions.

These great steps of financial planning are used by the best financial planners, specifically Certified Financial Planners (TM), when creating and implementing financial plans for their clients. However, these steps can and should be followed by every investor or individual.

The lesson: “You can’t have it all” is the pessimist’s way of looking at things. The optimists? “You can have what you value most.” That’s how many successful people look at their money, and it’s a big reason why their wealth has grown — instead of diminished — over time.

Rusty Tweed, the president and owner of Tweed Financial Services, first entered the financial services industry close to 25 years ago. In the time since, Mr. Tweed has demonstrated a deep commitment to the idea that every client deserves access to a comprehensive, detail-oriented approach to financial planning that ultimately leads to a secure financial future aligned with the personal financial goals and objectives expressed by the client. As the president and owner of Tweed Financial Services, Mr. Tweed has repeatedly gone above and beyond in order to live up to the ideals upon which his company was founded almost a quarter of a century ago.

Private Wealth Management1,2 brings your financial life and legacy together, creating a comprehensive plan that’s customized for you. Your Private Wealth Advisor will be your personal guide and single point of contact, working diligently to understand what you want to achieve in life and how you define success. Then, with a team of specialists in investment management, credit and banking solutions, financial planning, trust and estate services, and risk management, your advisor will develop a plan that’s designed to help you:

Pass on assets to your heirs

Manage medical expenses in retirement

Maintain your standard of living into retirement

Protect your wealth and property

Navigate complex employee benefit plans

Support a cause that’s important to you

Use credit to manage cash flow and income

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Why Brands Should Work With Bloggers

Well I think whenever someone is first introduced to the world of blogging, invariably the first question is “How do bloggers make money?”

They want to know how writing articles and posting them on a webpage can turn into cash. It is a fair question for sure. After all, if you are not familiar with the concept at all, then you wonder if it is a legitimate way to earn an online income. When speaking about communications Nancy Behrman is a great communicator.

If you can get paid for something while you are sleeping and it does not require you to exchange future time for money, then you have a low maintenance passive income stream.

The individual transactions are smaller but they happen more often and don’t require your time. Every morning when I wake up I can log into my Google Adsense account and see that I made money while I was sleeping.

Here are some ways that bloggers make money. I won’t be able to go into great detail on how each of these work, nor have I used every one of these to make money.

Some bloggers only focus on how to do 2 or 3 of these really well, while others try to add as many of these as possible to their income buckets. I like to try and master one and then move to the next once I get a handle on one. Also, visit our Make Money page as we are constantly adding new income ideas for you.

I know, it’s a daunting prospect – little blogger trying to play with the big brand boys. Well, you know what? You can do it! Really. And what it starts with – the most critical part – is understanding your value as a blogger. Each and every one, big to small blogger, has value. And if you know and understand the value you have, and how your unique influence has an effect on others, you are way ahead of the game.

Getting brands to understand that, in some instances, can be a little more difficult. But you are your best advocate for you and your brand. Yup, I said it – you yourself are a brand. And as the front (wo)man, the first line of everything and you have the power to make the most of what you have to offer.

How does this work? Anytime someone clicks on your ads, you earn money. The most popular is Google Adsense. On average clicks earn between .15-.50 cents per click, but I have personally seen as much as $5.00 for a click.

Well you know that companies have been using celebrity spokespeople for decades, with varying degrees of success. While hiring A-listers to promote products will likely always be a popular marketing strategy for certain multimillion-dollar brands, savvy businesses are tapping into a new model of using endorsements to boost a brand’s profile and credibility. Few professionals can legitimately claim the status as a truly innovative force in their industry in the way in which Behrman Communications founder Nancy Behrman ,she has been able to cover the course of her illustrious career in public relations and brand building.

In developing the Behrman PR strategic approach, Ms. Behrman has succeeded in altering the public relations industry as a whole and has a remarkable track record of transforming brands and elevating even the smallest of concepts into multi-million dollar ventures that clearly benefit from the worldwide recognition created by Behrman Communications.

The idea is to adopt a broader definition of what makes an effective spokesperson. Musicians, actors, and professional athletes are incredibly expensive, and the resulting campaigns are often difficult to measure

For some companies, it’s far more valuable to hire an affordable spokesperson with a track record of good ROI. Someone with a built-in community, social reach, and real world expertise in brand collaboration.

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The Best Ways To Finance Your Business

A great way to fund your business is factoring.Factoring is a finance method where a company sells its receivables at a discount to get cash up-front. Factoring is often used by companies with poor credit or by businesses such as apparel manufacturers, which have to fill orders long before they get paid. However, it’s an expensive way to raise funds.The Companies that are selling receivables generally pay a fee that’s a percentage of the total amount.

And also, If you pay a 2 percent fee to get funds 30 days in advance, it’s equivalent to an annual interest rate of about 24 percent. For that reason, the business has gotten a bad reputation over the years. That said, the economic downturn has forced companies to look to alternative financing methods and companies like The Receivables Exchange are trying to make factoring more competitive.

The companies that participate in this exchange has great advantages than if they don’t participate. Because the exchange allows companies to offer their receivables to dozens of factoring companies at once, along with hedge funds, banks, and other finance companies. These lenders will bid on the invoices, which can be sold in a bundle or one at a time.

And speaking of funding businesses, I think there are plenty companies that can be of great help. But none are better than Capital Alliance.

You can get a bank loan

Lending standards have gotten much stricter, but banks such as J.P. Morgan Chase and Bank of America have earmarked additional funds for small business lending. So why not apply?

Read more on what you need to know about filling out a loan application.

Attract an Angel Investor

And when you pitch an angel investor, all the old rules still apply: be succinct, avoid jargon, have an exit strategy. But the economic turmoil of the last few years has made a complicated game even trickier. Here are some tips to win over angel interest:

Also add experience: Seeing some gray hair on your management team will help ease investors’ fears about your company’s ability to deal with a tough economy. Even an unpaid, but highly experienced adviser could add to your credibility.

Capital Alliance was founded to solve a major problem that small businesses were facing: access to capital. Their mission is to provide quick, simple, and transparent solutions for businesses to obtain capital. Since it’s inception, Capital Alliance has funded over $500 million to thousands of small businesses.

But don’t be a fad-follower: Did you start your company because you are truly passionate about your idea or because you want to cash in on the latest trend? Angels can spot the difference and won’t give much attention to those whose companies are essentially get-rich-quick schemes.


And most definitely you should know your stuff: Because you will need market assessments, competitive analysis and solid marketing and sales plans if you expect to get anywhere with an angel. Even young companies need to demonstrate an expert knowledge of the market they are about to enter as well as the discipline to follow through with their game plan.

Keep in touch: An angel may not be interested in your business right away, especially if you don’t have a track record as a successful entrepreneur. To combat that, you should formulate a way to keep them in the loop on big developments, like a major sale.
Read more on finding an angel investor.

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The Best Ways To Make Your Life More Environmentally-Friendly

Well, you know today’s homeowners are more aware than ever of the demands their appliances, lawns and heating and cooling needs have on the planet’s limited supply of fossil fuels. And you have to use green energy nowadays, because of high electric bills prices. And speaking of the industrial industry and real estate. A very prominent man that’s big on property development I know, Marty Stallone is the executive vice president of Metropolitan Development Group, an Eastern Pennsylvania land development company that offers a wealth of services pertaining residential, commercial, and industrial property development. The Ivy League-educated Mr. Stallone has overseen MDG’s remarkable rise in recent years, drawing on his extensive professional experience coupled with the exceptional education attained during his time at Cornell University.

Likewise, steady increases in the cost of those fuels mean that those homeowners often feel the cost of inefficient home energy use where it hurts the most: in their account balances after monthly energy bills are paid.

It’s best to go green these days. Because going green is much more cheaper than the regular way.Green, sustainable, energy-efficient…there are so many ways to say “eco-friendly” that it can feel overwhelming to consider making some environmentally friendly changes. Creating an eco-friendly home can start small, with just a few easy steps. As you save money, you can move into bigger changes to save even more. You may be surprised to learn that saving the planet can also save your wallet!

There are many homeowners out there now, that are looking for ways to make their homes more eco-friendly. Marty J. Stallone is doing a great job as an executive vice president of metropolitan development group. And whether this comes from a wish to help the environment or a desire to cut heating and cooling costs, the steps are often the same. Some eco-friendly home improvements are small, simple, inexpensive steps. Others require more time, money and expertise. Here, we’ll look at 10 popular home-efficiency tips that can fit almost any budget. While the best combination for your home’s needs may vary, these home-improvement options include a number of projects and possibilities that could mean energy and cost savings for you and your family.

You can also find an energy calculator to assess your current energy usage. And there are many sites that have calculators that will automatically tally up the energy efficiency of your house. It is also helpful if the site can also produce a graph or tally that can demonstrate what your house’s potential could be after making some minor changes.

Sometimes the best new house is an older house. Consider the amount of building materials and fossil fuel saved by buying an existing home rather than building a new one. A good quality older home can be renovated and retrofitted to make it more environmentally friendly, at a lower cost than if you were starting from scratch.

Right from the start, experts recommend integrating renewable energy systems into the design of a new home, whether it is solar panels, residential wind turbines, or micro-hydroelectric generation. If the initial investment is too steep to consider at the time of construction, planning during the design phase for an eventual switch over to renewable energy will save the owner considerable trouble (and money) later.

However, just as important as the source of the energy you use is how much of it you use. A well-designed home should allow you to minimize your energy needs. This can be accomplished by, for example, choosing efficient appliances, installing LED lights, and using programmable thermostats which will provide you with the cooling and heating you need only when someone’s home. And don’t forget the low-tech solutions: a simple clothesline for drying laundry will further cut down on energy needs.

Children learn from the influences around them. Part of growing up is creating the habits that will follow your children throughout their lifetimes and shape them as they mature. Instilling a healthy lifestyle in your children when they are young can help build the framework for an entire lifetime of healthy habits.

Here are 7 ways to lead your children toward a healthy lifestyle:
Eat at least one meal a day as a family – Use this opportunity to teach your children about food choices and healthy portion sizes.
Get your children outside and involved –Teaching your children the joys of sports early can help them find their talents and teach them to appreciate exercise as a form of fun, not something to be abhorred.

Turn off the technology – Getting your children out of their seats and aware of the world around helps them become more self-aware in mind and body. Communicating in-person with other children and adults establishes social skills that can’t be learned online and are essential for a successful future.

Stack on the support – Talking positively, encouraging your children, and rewarding their good behavior helps reinforce healthy habits. This helps build your child’s self-confidence and can help create a strong future leader.

Focus on extracurricular activities – A healthy lifestyle includes socializing, enhancing skills, learning new talents, and achieving goals. Extracurricular activities allow your child to explore these areas of healthy living.

You should always teach them responsibility – Giving your child responsibilities early teaches them ownership and how to complete tasks required of them, as well as consequences.

Make sure to never use food as a reward – The use of food as a reward is one way to create food motivation, which can be detrimental if your child grows up seeing food as a special reward and was not taught how to limit this reward.

And always Lead by example – Make sure that you are active, healthy, and also explore activities, socializing, and other interests outside of work.

Expose them to good influences – Exploring  your child to a positive environment with positive role models, healthy food options, outside activities and intriguing mental challenges can help them become more positive individuals, which in turn will help them make choices that perpetuate a healthy outlook and a healthy lifestyle.

Make sure their school offers daily, quality Physical Education – Quality physical education programs are needed to increase the physical competence, health-related fitness, self-responsibility and enjoyment of physical activity for all students so that they can be physically active for a lifetime.

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PatPat: The Ideal Application for Mothers Who Like Taking Advantage of Extreme Online Bargains

When it comes to applications for shopping, there are a great number to choose from; some of them tend to be better than others. As time goes by, there is always one that knocks it out of the park, such as the PatPat app.

PatPat: An App for Budget-Conscious Mothers

This application, which was presented to the public in 2014, differs from all the other ones that are currently on the market, as it is geared toward hardworking mothers on a budget who want to provide their families with the accessories, toys, and clothing they love but are not able to do so due to the high markups that accompany them.

Attain up to 90% off on High-Quality Goods

Many people in the media are already referring to this app as the mommy of all shopping applications. It offers the latest and high-quality essentials at meaningful discounted prices (up to 90% off). With the PatPat app, one can finally say goodbye to the middleman and thus to high price tags, as it works directly with product manufacturers; therefore, it is able to offer its users with the lowest prices in the industry.

You Can Save and Earn Money at the Same Time

PatPat Ambassadors can attain money/credit by sharing this application. Yes, mothers can earn some money and save at the same time.

The PatPat Ambassador Rewards and Benefits program is very simple to put into good use. First, you have to make sure that you are informed about all the PatPat promotions. For each new user who utilizes your invite code, which will take twenty-five percent off their first order, you will earn $5.00 credit. For every $1,000 wallet credits you earn through referrals, you will be able to redeem for $700.00. For every $500.00 wallet credits, you will be able to redeem for $300.00.

Noteworthy Benefits of the PatPat Ambassador Program

For all referred users’ subsequent orders, you will receive a 5% commission, while they receive 10% off each order. With your one-of-a-kind PatPat invite code, you will receive personalized promo material. As a PatPat Ambassador, you’ll attain exclusive holiday gifts, and receive additional benefits when you refer other ambassadors into the program.

Rules

There are a couple of things that PatPat Ambassadors need to meet. For one, a minimum of thirty referred orders (individual orders using your referral code) must be met every month. At the end of each month, wallet money can be redeemed. In order to request a PayPal transfer or check, you’ll just have to send a request to ambassador@patpat.com. Duplicate accounts for a single user are not allowed. Any earning made through additional accounts will be deducted from total earnings at the end of every month.

It’s Easy to Join!

To apply for the PatPat Ambassador, feel free to send your name and PatPat account email to ambassador@patpat.com. Make sure that the email subject reads ‘Apply for PatPat Ambassador.’

Get Started Today!

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Making A Living In The Music Business

When it comes to music, I have seen it over and over again. Musicians who have been promoting themselves for years or just starting out who are very cautious of any new online tools or services that can either help their careers get launched or further the growth of their popularity. Speaking of the music business John Jesensky is a great composer and conductor currently living in Los Angeles. John received his Bachelors of Music in Composition from the Hart School of Music where he studied with such composers as Stephen Gryc, David Macbride, Larry Alan Smith, and film composer Joseph Turrin.

I know this because I know the music business very well. Maybe it’s that old saying “Once bitten, twice shy.” because it is true that in whatever era you look back on, the musicians and bands that went the indie route instead of signing to some Major Label have been burned by distributors, stores, the media, and certainly live venues. And that is why, there is a very high resistance to any new digital companies or tools that pop up comes from some negative experience in their past.

Some people say it’s like comparing apples to oranges, when it comes to major record labels and minor record labels. And you know its not fair to these newer digital companies or to yourself.

The music business has really grown a lot. And today there are many new companies promising online exposure and easy-to-use web site templates, let alone digital revenue collectors that may or may not pay their artists, that I can understand the reluctance to accept anything new. Its true that If you align yourself with the wrong start-up company you might get burned.

And you know companies like Spotify, for an example. This company took most of Europe by storm years ago and now are in full operating mode here in the U.S. But listen up…Spotify is going to be around for a long time! Also, the streaming music business, at any level, is really just a new way of thinking about getting your music heard, and yes the royalties paid out by Spotify (and other streaming companies) are extremely low at this time, as are the are the many copycat companies that are doing their best to attract and support independent music online.

Today, I have something different for you. Instead of writing about the subject of record distribution, and how labels, distributors, and music retailers work together, I have come up with a True/False and Multiple Choice test for you to take. It covers music business issues and simple everyday music marketing ideas that you should know a bit about.

I have ulterior motives for this approach. I am always amazed how many well intentioned, yet supremely business naïve, musicians exist in the world. For 15 years now I have been writing articles, columns, and books related to the business of music. John Ross Jesensky is a great musician and he continues to thrive in the music business.

I am hardly alone in this endeavor. There are now countless websites, publications, workshops, and conferences, (both online and off), dedicated to helping independent musicians learn how the music business operates. Yet countless acts try to establish themselves by remaining ignorant of how the distribution and selling of their music actually works.

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