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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The Features Of Soccer Cleats

Soccer cleats refer to a firm ground soccer shoe, fitted with studs or cleats to provide traction on most grass surfaces and outdoor soccer fields.

The first soccer shoes were ordered by King Henry VIII in 1526 when he wanted another pair to play football with. One that was tougher than his ordinary shoes. As the game got formalized in the mid 19th century, so did the accessories one needed to have while playing the game, the most important of which were the football shoes.

Vulcanization of rubber was an important invention for the manufacture of cleats whose primary purpose was protection of the players’ feet. And so on from there, many innovations and generations later, football boots have come to represent the advancement of shoe making technology and materials and its importance in football, a game which enjoys absolute popularity amongst all the nations of the world. Today’s soccer cleat

Is not built so much for protection as for performance enhancement of the player! It does not even cover the ankle of the player. The cuts and organization of the studs are to suit different purposes. Amateur players use plastic studded cleats for hard ground. A wet ground requires detachable studs for better grip. These could be metal, plastic or rubber. Rubber soles are provided for indoor football shoes and there are special shoes for artificial turf.

Football blades where the studs have blades facing in different directions to minimize ankle injury to the wearer and deliver excellent grip are also an innovation that has drawn flak for causing a disproportionate number of injuries to other players.

A combination of synthetic fibers with or without leather is used for the upper, nowadays, with emphasis on the lightness of the boot. Carbon fiber as a new material, provides extreme lightness and is extremely flexible.

Additional features have been introduced like rubber ridges and shaping the boot for the ball enhance the player’s performance. There are shoes fitted with microchips that capture’s the player’s performance metrics and transmits it to a tablet or PC.

The latest is the environmentally friendly shoe, made with recycled and renewable material. This is also extremely lightweight.

Football cleats of the Future – Some interesting crystal ball gazing

· One young player predicts that the cleats of the future will have retractable studs, allowing him to use them as ordinary shoes· Autolacing capabilities which will be good – the wearer, after tying the laces steps back into the heel of the shoe. While stepping back, he pushes a lever which lock the laces in place. Then the lever is disconnected in case the player steps back again while playing.

· Recyclable material and carbon fibers used in building aircraft will definitely be the order of the day in creating lightweight boots that contain material used in the last world cup! Not only that, each pair of boots will be recycled and rebuilt to suit that customer’s requirements.

Boots that fit like a sock… such silhouettes will be more in demand for better performance and comfort.

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4 Content Marketing Trends for Business Owners

As we approach 2017, it’s interesting to think about where we’re headed in the coming year when it comes to marketing our business.

All business owners want to stay on top of their game by being prepared for what’s ahead but in today’s fast-changing world, what does that look like?

Below are some content marketing trends you’ll want to prepare for when marketing your business in the coming year:

1) Incorporate More Social Media Graphics, Infographics, Visuals and Videos. Since your followers are 80 percent more likely to read your content if you use coloured visuals, this area needs to be built up more across your social media channels.

The popularity of visual content will only increase, so you must be prepared. Using Facebook live is still a hot commodity so be sure to dive into that opportunity too!

2) Build a Team. 60 percent of marketers in one survey said content creation was their biggest challenge last year.

To overcome this obstacle, get a team of people to help make content development and publishing easy. This includes having a good writer and social media specialist.
3) Tap Into Influencers. 90% of consumers trust peer recommendations where only 33% trust ads.

Consumers have begun to tune out traditional ads and increasingly connect to their social networks to guide their buying decisions. That’s why connecting with influencers is so important.

What is an influencer? “Influencers are people with significant networks (followers, readers, etc.) who can speak to a broad range of products and services with the ability to sway opinions in their favor.” – Jess Estrada.

Identify influencers to reach out to in your industry. Follow them on social media and see where you can strike up a conversation.

4) Drive Content Marketing Leads into a Funnel. High value content is one thing, but if you don’t build in a strategy that continues building rapport with prospects in the right way, you are leaving money on the table.

Content Marketing is a highly effective way to segment your audience and send them targeted follow-ups and offers, instead of adding them to your main email list.

Creating an Effective Content Marketing Plan for 2017

One of the biggest mistakes I have seen businesses make is they jump into content marketing without a strategy. While trying to appeal to their target market, they slap together a couple of eBooks and free offerings and hope it will be enough to drive sales.

The first step to making content marketing really work for you is to have a solid, smart content marketing plan in place.

Make sure you outline the following essentials in your content marketing plan:

Understand Who You Are Marketing to. Before starting any kind of marketing strategy, it’s vital you understand who your ideal target market is. There’s no point in investing your time and money into marketing when you don’t have a clear understanding of who you want to buy from you.

A Comprehensive Review of Past Efforts. Review your past content marketing efforts and results from 2016. This helps you to see what was most effective, what wasn’t, and develop a plan to improve for next year.

Set Goals and Benchmarks to Determine Future Campaign Success. Having a clear understanding of what you want to accomplish and what that will look like is important.

Develop Content Ideas that Align with Sales Goals. Here’s some example sales goals:

o Boost sales of Mega Fit Bootcamp by 25%.

o Get 50 new leads a month into our sales funnel.

o Create an eBook on Sales Tips for People Who Hate to Sell to drive leads to the funnel.

Plan a Content Marketing Calendar with Dates and Deadlines. Create an editorial calendar that clearly lays out your dates and deadlines so you can easily prioritize your efforts. This eliminates the “what do I write” problem.

It also makes it much easier to work ahead on content and delegate to team members.

I hope you’d enjoyed these highlights, stats, and facts to help you prepare for content marketing in the coming year.

I’m curious: What changes do you plan to make to your social media strategy in 2017?

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Tips for Developing Astute Investing Skills

Learn to discern conflicting analyses, reports, and data as you research investing opportunities

As an investor, you must make decisions based on your study, research, and personal opinions and beliefs. You should not depend solely on the research and opinions of others. There is much good advice and information available to you.

However, there’s also a lot of differing information that you must cut through to make informed investing decisions. Here’s what you can start doing now:

Understand decisions made by entities independent of publicly traded companies

General Electric (NYSE:GE), through its Power & Water division, GE Hitachi, offers advanced and sophisticated technology for the nuclear energy industry. The GE Hitachi nuclear alliance unites GE’s design expertise and history supplying reactors, fuels, and services worldwide with Hitachi’s proven experience in advanced modular construction. This is all well and good.

Nonetheless, previously, the Canadian Press noted that, “A Federal Court ruling has thrown out the preliminary approvals for a series of new nuclear power reactors in Ontario.” Therefore, this is a case of weighing company initiatives against the landscape and mindset of the jurisdiction in which they operate, or may wish to operate with new projects. You must be aware of this when you invest.Understand the difference between company outlooks and what’s going on in the marketplace

Cameco (TSX:CCO) (NYSE:CCJ), regarding its long-term prospects was very positive about its outlook and the outlook for the uranium industry in general. The company did say in its 2013 annual report that any development or expansion of its remaining projects would depend on how market conditions develop. Cameco’s intention is to build up Cigar Lake and to expand the McArthur River/Key Lake operation.

Commercial production commenced in May 2015 at Cigar Lake with a total of 11.3 million pounds (100% basis) produced by the end of the year. The expectation is that the build up to licensed capacity of 18 million pounds per year will be in 2017.

What’s’ happening in the marketplace? In 2014, Mining.com reported that poor markets caused Cameco to put its Millennium uranium mine on hold. The highly prospective Millennium deposit is on the shores of Slush Lake in Saskatchewan. Cameco had asked the Canadian Nuclear Safety Commission (CNSC) to postpone a hearing scheduled in June 2014 into a licence application for the Millennium Mine project. The estimation is that this project has in excess of 50 million pounds of uranium.

Consider company strategies and the new economy

Sears Canada (TSX:SCC) Sears Holdings (NASDAQ:SHLD) never seemed to transform its operations as other retailers. Sears Canada dispensed some of its best stores and raised hundreds of millions of dollars in the process. Sears Canada was a mainstay in Canadian downtowns and major shopping malls.

The Company’s Toronto Eaton Centre flagship store became a Nordstrom (NYSE:JWN) store. Sears Canada has seen its target consumers taken away by bulk stores and higher-end retailers, not competing with them effectively.

Consider government reports

These are reports prepared by any level of government: federal, provincial/state, or regional or municipal. Oftentimes, federal government pronouncements paint a rosier picture than what is really happening in the economy. This is especially true at election time. You must look at what other government agencies are saying, not just the political figureheads of parties. Consider what U.S Federal Reserve Chairman Janet Yellen said in the past. She told the Joint Economic Committee of Congress that under present policies, the federal government’s deficits, “will rise to unsustainable levels.”

As an investor, you must consider what that will do to the U.S economy, the business environment, and businesses. By extension, what will this do in the coming years to Canada’s? When the U.S. rolls over, it typically nudges Canada who’s napping on its shoulder.

Due diligence means more than just studying the latest quarterly results of companies. It means studying and discerning between different government, economic, as well as marketplace reports that often are contradictory. It’s your responsibility to discern between the wheat and the chaff. If this means taking longer to make an investment decision, so be it. In the end, you will make a better investment decision.

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Unlike Last Season, Early Schedule Will Challenge Cubs In 2017

The celebration has ended, the 108 year drought is over, and baseball on Chicago’s North Side should return to normal. In other words, fans of the Cubs can go back to worrying.

Several big concerns face them as they look toward the 2017 season, in addition to the nearly impossible task of topping the World Series Championship they earned in October. No team has won the Fall Classic back to back in this century, although a much shorter span than the Cubs endured between titles.

That trip to the World Series was made easier by the early schedule, an arrangement the Cubs will not enjoy next April. Chicago did not play a winning team until April 18 against the Cardinals, which was their fifth series of the season. The Cubs did not play another winning team until May 2, when they played the Pirates. Spending the first month against the likes of Cincinnati, Arizona, Atlanta, and Milwaukee would provide nearly any team with the confidence needed to carry them through the most important stretch of the season. To emphasize just how important a hot start is, examine the National League from last season.

All four of the teams who reached the Division Series posted winning percentages over.700 during the first week of 2016, led by the Cubs and Nationals winning eight of their first nine games. The Giants were victorious in six of their first eight, and the Dodgers won seven of their first ten.

The advantage of opening against non-contenders will not be available to the Cubs in 2017, when the early part of their schedule features matchups against the only two teams that had winning records against Chicago last year. They open in St. Louis on April 2nd, a Sunday night game between the two rivals that will be broadcast on national television.

What could make that initial series even more troubling for the Cubs is the strong possibility that one of their most exciting players from last year will be playing for the opposing team. Center fielder Dexter Fowler, Chicago’s spark plug at the top of the batting order, is a free agent. Many baseball writers have projected St. Louis as the most likely team to sign Fowler. After the series in St. Louis, the Cubs must play the team that nearly eliminated them in the NLCS. The Dodgers, who won both of their regular season series against the Cubs in 2016, have the opportunity to avenge their playoff loss on the opening weekend in April.

The hot start Chicago used to build momentum for their World Series run last year is far less likely to befall them in 2017, simply because of the competition. Instead of opening against last place clubs like San Diego and Cincinnati, the Cubs will be tested right out of the chute by teams expecting to be contenders.

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