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What are the 5 financially healthy habits?
Image result for how to live a responsible financial life
Financial habit #1: Regularly review and update your financial plan. Financial habit #2: Set financial goals that
are meaningful. Financial habit #3: Create a budget and use it to guide your spending. Financial habit #4: Find
passive income to improve your income.
What’s the 50 30 20 budget rule?
One of the most common percentage-based budgets is the 50/30/20 rule. The idea is to divide
your income into three categories, spending 50% on needs, 30% on wants, and 20% on savings.
Learn more about the 50/30/20 budget rule and if it’s right for you.
Many young people are deficient in vitamins and minerals due to improper diet. Studies show that fewer than 32 percent of Americans eat the required servings of vegetables each day. Also, the American diet is comprised of too much of processed sugar and not enough fruits and water. A deficiency in essential vitamins and supplements can only spell trouble for the skin. If your body does not get the required nutrition for skin renewal, tissue repair and for its organs to naturally d…
acne remedy, vitamins for acne
Many young people are deficient in vitamins and minerals due to improper diet. Studies show that fewer than 32 percent of Americans eat the required servings of vegetables each day. Also, the American diet is comprised of too much of processed sugar and not enough fruits and water. A deficiency in essential vitamins and supplements can only spell trouble for the skin. If your body does not get the required nutrition for skin renewal, tissue repair and for its organs to naturally detoxify, then your chances of getting acned skin, along with other health problems, are likely to increase.
Vitamin A strengthens the protective tissue of your skin and helps in acne remedy. It reduces the production of sebum and works in repairing the tissue that skin and mucous membranes are made of. It’s also a powerful antioxidant. Antioxidants are important and needed to help rid your body of toxins that have built up. A lack in Vitamin A can cause acne!
The Complex B vitamins are also helpful in preserving healthy skin through the relief of stress. Stress has been identified as a major trigger for acne for some people. The B vitamins should always be taken together. Thiamine is an antioxidant, helps circulation, and aids in digestion. Riboflavin works with Vitamin A and is essential for healthy skin, hair, and nails. Niacinamide helps with the metabolism of carbohydrates in your system and improving circulation. Niacinamide shortage in your diet can cause acne. Pantothenic Acid or B5 is popular for helping to reduce stress and is needed for the adrenal glands to function properly. Vitamin B6, or Pyridoxine is important for the correct function of your immune system and antibody production.
Vitamin C with biofavonoids is also referred to as the “super vitamin” and can play an important role in your acne remedy. Vitamin C is instrumental in at least 300 metabolic functions in your body, is needed for tissue growth and repair, and flushes toxins from your system. Vitamin C also improves immunity and protects against infection. If you have diabetes, check with your doctor for the dosage that is best for your body.
Chromium, widely used for weight loss also helps fight acne. Chromium should be taken in an added form since chromium in foods is not easily absorbed. Much of it is lost in processing and high doses of sugar cause the loss of chromium.
Zinc aids in acne remedy by regulating the activity of the oil glands. It promotes the healing in tissues and helps to prevent scarring. Zinc promotes a healthier immune system that in turn aids in the healing of wounds. In addition, a powerful antioxidant that helps prevent the forming of free radicals, or toxins that can harm your body.
Finally, Vitamin E is a powerful antioxidant. It improves healing and tissue repair and prevents cell damage by inhibiting oxidation of fats and the formation of free radicals.
One interesting fact about acne can be noted that is a multivitamin with added chromium supplement will give you most of what your body needs for the day. It should be also noted that taking too much of a vitamin or mineral can also be toxic and dangerous. Read the recommended dosage and stick with it.
With enough vitamins for your body, you are assured of a well nourished body. Your body organs, cells and tissues can perform optimally on the inside and you get to see the benefits on a physical level.
“EIGHTY PERCENT OF SUCCESS IS SHOWING UP”
WOODY ALLEN
Beauty Basics – Eight Tips For Naturally Beautiful Skin
Not sure what to look for when choosing cosmetics? Need some advice on taking care of your skin? Here are eight tips to help your skin look and feel it’s best.
1) Select moisturizers made with vegetable oils. The lotions, creams and body oils that you use should be made with vegetable oils, not mineral oil. Vegetable oils, (like olive oil, sweet almond oil, corn oil, etc.) contain fatty acids which help to moisturize and soften the skin.
Mineral oil is derived from petroleum and does not contain anything that helps to nourish the skin.
2) Look for herbs and herbal derivatives in your cosmetics. Herbs and their derivatives (essential oils, extracts, infusions) contain natural chemicals which soothe, tone and help condition the skin.
Two herbs which are especially useful in natural cosmetics are Lavender and Tea tree. The essential oils of both lavender and tea tree are gentle, natural antiseptics.
3) Once a week soak your feet in warm water, and gently exfoliate dead skin with a pumice stone. Follow up by moisturizing your feet with a natural foot oil or foot lotion.
4) Every week soak in a tub of bath salts. Salt, especially salts mined from the Dead Sea in the Middle East, are rich in minerals and help draw impurities out of the skin.
5) After a shower or bath, seal in moisture by using a body oil or lotion made from natural vegetable oils.
6) If you have blemishes and your skin is dry, moisturize your skin in the morning and at night with products that contain vegetable oils which are high in essential fatty acids.
Essential fatty acids help to soften and hydrate the skin and they can also help soothe minor irritations. Vegetable oils that contain large amounts of essential fatty acids are: corn oil, sunflower seed oil, safflower oil, borage oil, blackcurrant seed oil and evening primrose oil.
7) Look for toners and astringents that are made without ethyl alcohol, rubbing alcohol or isopropyl alcohol. These ingredients are solvents that are extremely drying to the skin.
8) Every time you wash your hands, moisturize them with a natural lotion or cream to help them stay soft.
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7 Habits of Outrageously Successful Work At Home Businesses
Do you ever wonder why some homebased businesses are outrageously successful while others barely get off the ground?
It’s no secret that some work at home maverics have cracked the code. Discover 7 Habits ro creating your own work at home empire.YES YOU CAN BUILD WEALTH TO RETIRE RICH
Work from home, work at home, home based income businesses, home based career
You’ve read the ads or seen the infomercials. “Build a six or seven figure income while lounging in your pajamas in your work at home business.”
For many people who hear this, their scam detector goes up and they become defensive. Why? Because they have heard countless horror stories of people who have lost their shirt trying to create a business from home.
However, the truth is there are thousands of home based entrepreneurs around the country who have cracked the code, created their place in the world and taking it to the bank.
There are certain habits which I believe are consistent with all of these enterprises. Here are seven habits or traits when implemented work to insure an outrageously profitable venture.
1. Find a hungry target market and look for a product or service to meet their needs. I am surprised how many frustrated entrepreneurs miss this.
What often happens is someone gets excited, hit by an entrepreneurial seizure and tries to start a business with a product or service and feels it will sell simply because of their emotional attachment. Keep your mind open when looking at home based business income opportunities.
However, make sure someone wants to buy whatever you have to sell before you jump in.
Don’t get me wrong you want to have a passion for what you do. However, if you love 8 track tapes it might be a problem. And depending on your age you might be thinking, “What’s an 8 track tape?” Get my point?GENERATIONX STARTING A BUSINESS WANT TO BE WEALTHY?
However, if you find a group of people who are hungry for what you have is like shooting fish in a bucket. When you find a group that has a problem they want solved they will pay you to do it.
2. Understand nothing happens until a sale is made. I am amazed at how many budding entrepreneurs say they hate sales.
This is unfortunate because everything else in a business is an expense. If you don’t have sales coming in the door eventually the doors will close.
Sales and marketing if done correctly is the engine to a company’s success. The key is to add value to the customer at every opportunity. One of the vital things to remember is the first time you obtain a client is the most expensive.
But the real wealth is built when you have the opportunity to sell to a customer over and over again. Some companies even take a loss to get the customer in the pipeline because they realize the real money is on the back end and the true profit is in the lifetime value of the customer.
Robert Kiyosaki Author of Rich Dad Poor Dad says, “Business and investing are team sports.” The average investor or small-business person loses financially because they do not have a team. Instead of a team they act as individuals who are trampled by very smart teams.”
While you are building a home based business you don’t want to do it alone. There are only 24 hours a day and you can’t do everything.
You want to look for opportunities to outsource all non revenue generating activities. Successful proprietors don’t waste a lot of time on filing and organizing.
4. Focus on the business not just working in the business. What separates you from being able to create a company that provides you with great income and lifestyle versus one that you are chained to the doors is a matter of focus.EARN ADDITIONAL INCOME TO PAYOF CREDIT CARDS
Successful entrepreneurs focus on the big picture.
I’m saddened when people say, “No one can do what I do.” This might be true however it presents a great challenge. You are now a slave to your business.
The business no longer serves you. The goal must be to take “you” out of as much of your business as possible.
Look for ways to remove you, automate and systemize the process. One of the ways to do this is to use the leverage of technology. You might want to use a website that allows people to order your product or service 24/7.
Or you might write a book which can be sold while you are sleep. Get the picture.
5. A highly successful home based business has a central theme or mission. Many home based businesses never reach success because they are trying to do too many things at the same time.
You might be saying, “But I want to create multiple streams of income.”
The problem with multiple streams of income can be a nightmare if approached incorrectly. New entrepreneurs often make the mistake of trying to create several profit centers from non aligned businesses.
The reason you will almost never have success with this strategy is you can not build momentum. Each business has a totally different business model and you can’t leverage the energy of one to another.
However, the successful home based entrepreneur understands the law of momentum. For example, if you were an author one of your products would be the book.
What does home based mean in business?
By Entrepreneur Staff. Home Based Business Definition: A business whose primary office is in the owner’s home. The business can be any size or any type as long as the office itself is located in a home.
However, you could spin that product into an empire by leveraging it into an e-book, tape set, work-book, seminar, boot camp and coaching program.
Do you see the power of having one central product or theme and how you can leap frog to success? You want to be focused and committed to a central theme. Once you have success you can add another stream of income. This trait is one of hidden keys to success.
6. Resilient and quick to adapt to change. This is one of the distinct advantage solo-entrepreneurs have over large companies.
Often time’s large corporations invest thousands of dollars in a project and even when they know it’s not working they are slow to change. In Corporate America this may not kill a business because one mistake is just a cog in the wheel.
However, in small business your ability to change on a dime allows you test things and when things work you do it with massive all out action. And when something is not what working you simply let it go, test something else and move forward.
7. Commit to continual education. Now, I am not talking about another degree or certificate. There are plenty of people with plaques on their walls that aren’t able to create the income and lifestyle they want.
However, I love the quote by one of the leading experts in self-development. Jim Rohn says, “Formal education will make you a living; self education will make you a fortune.”
Personal development and specialized knowledge often is the difference between a fledgling operation and one that has an outrageously bottom line.
Why? Because successful people know that the best investment they can make is in self.
Make sure that you are always staying ahead of the curve and immerse yourself in your area of expertise. You can do this by attending seminars, tele-classes, boot camps or participating in coaching programs.
Do you want to build wealth from home? Cut your learning curve by modeling one or all of these traits from successful home based businesses.
You will find when you model those who have had success you will too if you embody the same traits. Start today and you will be on your way to outrageous success.
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Many people have a question when thinking of buying a timeshare. Does it make financial sense or does it make sense at all to buy a timeshare? Well the answer can be both yes or no depending on who is buying and for what purpose it is being bought. In this article we will discuss why it makes sense to buy a timeshare. One of the most traditional answers could be that you own it, but when you rent something you don’t own it. Timeshare industry has grown by leaps and bounds since its inception in this country and many notions that people had earlier have been clarified. Timeshare is no more a small business. Big hotels and resorts are into timeshare business now. It is estimated to be a Five billion dollar a year industry worldwide and approximately two million Americans have timeshares. You might be wondering what lured so many people in America alone to timeshares. Here are some reasons.Vacation Planning)
Consider this fact you pay rent to stay in a hotel. You pay the rent for staying in a hotel for a week. Suppose it is $900. If you consider a period of 30 years, multiply the cost of living in a hotel for 30 years with $900. It will be $27,000. You spend that much amount and only get a suite with only a bathroom. Now consider this, if you buy a timeshare for $10,000 which has a maintenance fee of $450 annually. The cost for 30 years will be $10,000 plus 450 multiplied by 30. The answer will be $23,500 which is $3,500 less than renting a hotel suite. But here is the interesting fact. You still get to own your timeshare property which will earn some money if not the original price. So your actual expenditure on your vacation will be way less than renting a hotel suite. Then who can ignore the comfort of a home in a timeshare property. A typical timeshare unit has two or three bedrooms, more than one bathroom, a kitchen, a laundry room and a pool plus not to forget all the resort facilities.
Does it make sense now? It does because it also saves you from the hassle of planning your vacation each year because you know when you have to go in turn offering you a guaranteed vacation every year.UNLIMITED RESORT VACATIONING WORLDWIDE)
How many hotel rooms can accommodate large families and friends? With a timeshare vacation you can invite who ever you want and can host reasonable size gatherings.
A timeshare is like money lying safely in your bank. You can sell it whenever you want. Not only that if you buy a deeded plan, the timeshare gets inherited to your heirs also.ADDITIONAL INCOME START HERE CLICK NOW
Compare the timeshare with buying a vacation home. You don’t have to worry about upkeep and maintenance also. The management company will take care of everything. You just have to pay the maintenance fee for that. But what a pleasure you can live like you are living in a hotel and still get a feel of your home and have to do nothing.
Health is wealth! We all have heard of this term in this journey of life. We understand its meaning, but its relevance and deepness are realized only when you are down! Being physically fit is the best reward that one could ever have.
There is no gift that is more valuable than the gift of health. The health industry is booming and there is a reason behind that.
People are becoming extra cautious of their health especially due to awareness and the tedious routines which is increasing tendency of diseases in young people too!
Here is how you can step on the pathway of being physically fit!
Exercise: You should incorporate exercise in your routine to stay fit and active. Exercise reduces the stiffness in your body and improves blood flow which keeps you active throughout the day.
You can do swimming, cycling, yoga, running or jogging. It is very easy to include these in your routine if you spare some time. FREE INFORMATON
I will not only maintain the weight of your body but would also improve metabolism and immunity. Both of these are important ingredients in the recipe of health!
You can join group classes or a nearby gym to attain continuity. If you are part of a group of people who are fitness conscious then it will help you in attaining the routine quickly.
Yoga is a combination of cardio and strength. It helps you in learning how can you balance, meditate and focus on things.
There are a variety of exercises available and it is always a good practice to include some strength training sessions. You need to gain muscle as you start to age as they drain out of strength.
So lifting some weights, dumbbells under supervision will prove to be a good idea!
Healthy food and beverages: It is important to include foods that are rich in Iron, Vitamin D, C & B in your diet for a healthy body.
f you are a non-vegetarian, you might already be getting enough of these but if you are a vegetarian, you need to be extra cautious of your diet! Go for regular health check-ups to address any deficiencies that you may have!
Smoking and alcohol and rather make a habit to drink coconut water, coriander seeds to water and juices daily.
Value of being physically fit
It is important to create a culture of wellness to yield sustainable results of health in long run. Being healthy and physically fit has a direct correlation to happiness and success.
A healthy mind rests in a healthy body! Staying physically fit not only impacts your persona and lifestyle but also improves your performance at work.
In order to drive the business forward and inspire your team, a good leader should maintain mental and physical wellness.FREE INFORMATION
At every stage of life, you are constantly pushed beyond your threshold/ comfort zone. A healthy body has stamina and mental ability to endure the challenges at every stage of life. This helps you in maintaining your cool and also reduces symptoms associated with anxiety and Great Health.
Are you finding that your networking efforts are wearing you out – and your network does not seem to be growing?
Here are the myths that must be disspell so that you can spend quality time – not quantity time – on building your professional network
networking, contact building, list building, small business sales, business development
If you’re networking with strangers, you’re wasting your time. A consultant friend of mine recently complained, “I’m doing 2-3 networking events a week – and I’m worn out.”
When I asked why she felt networking was important, she replied, “One of my marketing goals is to do at least 1 networking event a week.”
(I pointed out that she just admitted to doing 2-3 a week – and perhaps doing 1 a week is smart and doing triple that goal is causing some of the fatigue.) But there’s much more to the great American business myth of networking.
Myth 1: The more you network, the more effective your networking activities become.
Truth 1: It’s much more important to become well-known in 1-2 circles than to spread your networking activities over many different groups. Depth beats breadth every time.
I then asked her how networking was working for her. She said, “I don’t think I have gotten a shred of business out of it in the last six months.”
Her rationale for doing networking: “Everybody knows that you build a business by networking!” Does this make any sense? Or worse, does it sound familiar?STARTING A BUSINESS ONLINE
See if this networking scenario has happened to you:
You meet someone for 30 seconds. They mumble something about real estate as you are tuning them out. They ask you what you do, and you say you are in insurance.
After 10 seconds of staring blankly at each other, you both head to the celery sticks for lack of anything better to do.
Myth 2: The cocktails and miniature wiener circuit is the way to network to success
Truth 2: Networking with strangers to build business is about as effective as going to a bar to get married. In the words of Dr. Phil, “It simply ain’t gonna happen that way.”
Here’s why you’re not going to meet your business soul mate at a networking event:
1) You aren’t going to do business with someone after meeting them for a few minutes and getting handed a poorly printed card.
2) Businesses are built on relationships and not “30-second commercials,” no matter how effective and intriguing.
3) Most of us have major trouble in explaining what we do, much less getting past that explanation and listening for what prospects need.
4) Networking with strangers is not targeted or specific and in fact is completely random. For some people, networking is exactly as effective as cold calling, which is the least effective marketing tool there is.
So am I saying that networking is a waste of time? Absolutely not. What I’m saying is you need to start networking smarter.
Here are a few thoughts to jog your noggin:
* Network by having coffee or lunch with people one on one. Get to know them and their business. They may become a prospect, alliance partner, or referral source.
But aim first and foremost to make them a friend. The rest will follow naturally.
* If you’re going to network with strangers, go with the goal of making 2-3 lunch or coffee dates with people you find interesting.
* Ask every happy customer you have (they’re all happy, right?) for just one referral of someone who would be interested in your type of goods or services, then call and use their name.
(“Hi I’m Fred and Ginger said I should call you. Isn’t Ginger great?”) You already have one thing in common – Ginger!
* Create a network “hit list” of the exact kind of businesses you want to network with – maybe you sell software and you want to meet IT managers at medium-size companies.
Make the list and put it in your little black book or PDA. Focus your networking and outreach activities on only those people – or others who can refer you to those people.
* Join non-business groups and spend time doing non-business activities: Civic, social, religious, recreational, musical, athletic… the list is endless. Establish relationships with people in your group. Perhaps you’re a Moose and a realtor.
A Moose, as it turns out, wants to by a house from another Moose. If so, you have the Moose Market cornered! Are you into hand-drumming. Guess what? A hand-drummer will want to do business with another hand-drummer. Get it?
* If you do go to a “mixer” go with a targeted goal in mind. For example, your goal might be “to meet three people on my target list and get their card so I can follow up for breakfast, lunch, coffee or badminton.”
A traditional “networking event” now becomes simply the first phase of your targeted plan for global domination, and not an end in itself.
Here’s a final thought to shake up your networking mindset: Network with people who already know you, like you, or have done business with you.
Myth 3: Networking is all about getting more people to know what you do.
Truth 3: Networking is all about getting people that already know you to share opportunities where you can be helpful to each other.
Make 2-3 phone calls a day to connect with people from past jobs, former clients, or influential people who have expressed interest in you in the past.
We all have a “fan base” that we grossly underutilize.
Think about tapping into friends, colleagues, mentors, and family to mine the connections you already have at your fingertips.
So get out there and network – but make it worth your investment of time and energy by networking smart. As your mother always said, “Don’t network with strangers.”
5 Simple Steps to Small Business Success on the Internet!
For years, the website design market used to fall into three separate entities for website design and development: (i) graphics and animation studios, specializing in custom graphic design and creative animations, (ii) website marketing/promotion firms, (iii) Web programming companies specializing in database-driven website development.
Web Design, small business, Internet small business, web developer, web promotion
For years, the website design market used to fall into three separate entities for website design and development: (i) graphics and animation studios, specializing in custom graphic design and creative animations, (ii) website marketing/promotion firms, (iii) Web programming companies specializing in database-driven website development.
Nowadays, however, you get to see a fusion of these three entities in several dynamic Web Development and Promotion companies operating from any part of the globe.
These web design, development and web promotion firms are virtually allrounders that cater to a diverse range of clientele, include those coming up for creative web design, web databases CRM / ERP as well as for SEO (search engine optimization) needs.
Most small business firms all over the world heavily rely on the services of such web development firms as they usually cater to small business website design by providing web based marketing methods that small companies can afford due to small budgets.
Depending on the effectiveness of such web-based marketing, clients often see incredible successful results from clicks to conversion. There are some case studies which show that utilizing their marketing equation; some sites have gone from 10 leads a month to 300 leads.
However, to achieve this is easier said than done. Web marketing firms that create a full plan for their clients using both the strategic and tactical methods crafted by specialists/consultants in turn are able to give small or large businesses increased sales.
Therefore, the objective behind any web development or website promotion project is to create a unique selling proposition through your website that can set you apart from your competition so your customers should only think of doing business with you, regardless of price.
Small business firms today look forward to the professional creative website design and strategic web development and web promotion companies for the simple reason that they want their site to have the look and usability of a Fortune 500 company site without having to spend huge bucks for it.
