Put a tiny garden in your house with Wall Farm

Presenting YAUGU (yet another urban grow unit).

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Put a tiny garden in your house with Wall Farm

Presenting YAUGU (yet another urban grow unit).

The post Put a tiny garden in your house with Wall Farm appeared first on Osiyo Marketing.

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How to win free books for life

It’s a reader’s dream come true. A London bookshop has announced a competition that will award the winner with a lifetime of free literature.

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How to win free books for life

It’s a reader’s dream come true. A London bookshop has announced a competition that will award the winner with a lifetime of free literature.

The post How to win free books for life appeared first on Osiyo Marketing.

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We all love baking soda, but where does it come from?

The provenance of baking soda is rarely discussed, which leads to the question, ‘Is this miracle substance really as eco-friendly as we think?’

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Retirement Catch-up strategies for late starters

I recall an old New Yorker cartoon. It showed a financial planner sitting across the desk from an older couple. “We want to retire next week and have no money,” the man told the advisor. “This is your chance to become a legend.”

I’ve seen people severely behind in their retirement savings but none as bad as that.

Let’s say that you’re on the other side of 40 and have insufficient savings. Perhaps you’ve been a procrastinator, a big spender, been through a divorce, or put children through university. What can you do to salvage your retirement?

If it makes you feel any better, you’re not alone and it’s never too late to start, although you will have to do more to make up for lost ground.

Todd Tresidder discusses some of these strategies in his e-book How to Catch Up on Retirement Savings.

“The first thing you must do is focus forward rather than dwell on past mistakes,” Tresidder writes. “Kicking yourself and getting discouraged by your lack of results to date will only push you further from your goal.

Related article:  Implementing your financial goals

“Your job going forward is to focus on what you can begin doing today that will make the future different from the past.”

I’ll add to that: don’t delay even one month more. Further delays can have a huge impact.

Tresidder suggests doing a retirement plan in his book How Much Money Do I Need To Retire. He provides a step-by-step process for estimating your savings needs and what you must do to accumulate those savings. A capable financial planner can help with this. Your plan will show you where you are today and plot the required course to achieve that dream retirement. Well, maybe not a dream retirement; for that you would have needed to start a couple of decades ago, but you may still be able to achieve a comfortable, worry-free retirement.

Related article: How much will I need for retirement?

The reason you must first estimate how much money you need for retirement is that all strategies need to be designed around your savings goal. You must have a specific, measurable savings goal if you’re to know what you’re working toward and to measure your progress.

Tresidder’s first catch-up tactic is glaringly obvious: increase your savings. This can be an unpopular recommendation as it usually requires spending less.

I once had a client refuse to curtail her spending because, as she said, “I want to live for today and not just save for a retirement that I may never see.” It was an excuse to justify her spending and I told her that retirement will almost certainly come for her, whether she’s ready or not.

Related article:  Principles of saving money

Fact is most Canadians spend hundreds of dollars every month needlessly on stuff that gives them momentary pleasure but makes no lasting, meaningful impact on their financial security. Meanwhile, they have insufficient savings for retirement and education of their children and they’re risking their family’s financial stability should there be a death or disability.

Two ideas are to cut unnecessary spending and throw that money at your savings. The easiest way to increase your savings is with an automatic withdrawal plan from your chequing account into savings; if you never see the you’ll hardly miss it.

Related article:  Pay yourself first is the best way to save

You can also reduce the amount you spend during retirement so you can reduce the savings required. Using the four-percent rule or the rule of 25, for every $10,000 less you spend annually in retirement, your savings requirements drop by roughly $250,000.

Or, think of it as the rule of 300. Every $1,000 per month reduction in retirement spending reduces your savings need by $300,000. It may be easier to lower your monthly spending by $1,000 instead of saving another $300,000. Both of these rules are helpful in estimating your required savings.

You can also postpone or phase in your retirement with part-time or contract work. Working a couple more years and then working part-time for two more years can have a huge impact. These strategies give you more years to add to your savings and reduce your savings requirements.

Related article:  The importance of earning money

If you do a retirement-income plan – and you should – and it shows you falling short, don’t despair. You may be surprised how a few of these tweaks can turn a miserable retirement into one that has you living comfortably, if not luxuriously. For that you would have had to start two or three decades ago. If you didn’t, start immediately or you’ll regret it. I’ve never heard anyone say they started too early. Many people have told me they wish they’d started years or decade sooner.

Retirement Catch-up strategies for late starters appeared first on Retire Happy.

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Why ‘stunt foods’ continue to persist in fast-food restaurants

The Double Down, Doritos Locos Tacos, the Whopperito — all of these crazy culinary concoctions are part of a bigger ploy to get you through the door.

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Artist’s lace-themed street art beautifies cities & honors handicraft culture

This artist is “lacing” urban space, where stuffy old lace becomes eye-catching street art.

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Should Vegans Take DHA to Preserve Brain Function?

from NutritionFacts.org http://www.youtube.com/watch?v=h4LvCZ0KnKc

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Diabetes in the News Podcast: Coronary Artery Bypass Grafting is a Good Option for Type 2’s

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Click here to listen to today’s Diabetes Health in the News Podcast!

Researchers have found that type 2 diabetes patients who are also living with stable coronary artery disease (CAD) have better outcomes if they receive a combination of …

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Surgeon X: An apocalyptic graphic novel about how antibiotic resistance will change the way we live

It’s 2036 and you want to be somewhere else.

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Sign this petition to ban plastic packaging for organics

It’s ridiculous that organic produce in the U.S. comes packaged in far more plastic than conventionally-grown foods. Join the movement to demand greener packaging and zero waste alternatives.

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Get warm and cozy with 10 ethical fall fashion picks

From sweaters to wraps to plush leggings, these casual and comfortable pieces will keep you toasty all autumn long.

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Get warm and cozy with 10 ethical fall fashion picks

From sweaters to wraps to plush leggings, these casual and comfortable pieces will keep you toasty all autumn long.

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Living With Type 1 Diabetes: Rising Country Star Inspires Kids

When country singer Ben Rue isn’t on the road, you can sometimes find him working with kids who have type 1 diabetes, sharing stories about overcoming the challenges that come with the disease.

“Just today, I got a note from …

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How to Install a Rain Barrel

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World’s favorite bicycle café is back with crêpes, ice cream, juices, and more

Wheelys has come a long way from its first “ecological café bike” and is now setting its sights on food trucks with a new range of food modules.

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Simple cooking trick could save you 100 gallons of water, makes dinner taste better

If all Americans adopted this (almost) waterless method of cooking pasta, we’d save billions of gallons of water a year.

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‘Spit That Out!’ is the perfect book for parents struggling with environmental guilt

We are a generation of parents who know too much about the world. Finally, here is a calm and rational guide to navigating the many environmental dangers that surround us and our precious little ones.

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Could nursery school farms be the way of the future?

An award-winning design blends traditional nursery school classrooms with a working farm, allowing young children to learn through gardening and tending livestock.

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GFC 070: How to Got to From Average to Being Awesome

“You are the average of the 5 people you spend the most time with.”

This quote comes from Jim Rhon. As I’ve gotten older, I’ve learned to focus on this quote more and more.

Why?

Because I want to be a better person.

I want to be a better father.

I want to be a better husband.

I want to be a better leader for my family.

I want to be a better entrepreneur, author, and businessman.

If I have learned anything, it’s this:

If I am not intentional when it comes to the people I surround myself with, I will never accomplish my life’s biggest dreams and goals.

Who Do You Surround Yourself With?

Have you ever given much thought on the five people you spend the most time with, and why? When you think about who these five people are, do they embody where you see yourself? Is that where you want to be?

Are your closest friends growing? Are they encouraging and challenging you to grow? Are they living a lifestyle you truly want for yourself and your family?

If the answer is “no,” it might be time to reassess those relationships. Obviously, this part is extremely tough for a lot of people.

Trust me, I’ve been there. My wife and I have had to make some extremely tough decisions when it comes to who we surround ourselves with.

In this post, I want to share some stories on how I raised the bar in my personal life. With these tips, you can do the same.

When Your 5 People Are Family Members, Friends, and Co-workers

Many of us spend the bulk of our time with our families. I’m not really talking about your spouse and kids here; I’m talking about your other relatives or your in-laws.

When it comes to family, you should ask yourself a few questions. Are these family members offering you support and encouragement? Are they making you a better person?

Even when it comes to my own family, I had to recognize that a lot of my own blood relatives weren’t coming through the way they should.

That didn’t mean we cut them off completely; for us, it just meant limiting our time with them. With these certain family members, we learned we had to take a step back so we could focus our energy on our family.

The driver behind our choice to step back was an overall sense of negativity. When it comes to negative attitudes, I didn’t want that around my children. I didn’t want them to be looked down upon or told they will never succeed.

You see, some of our family members have a fixed-mindset that tells them their life and their choices are out of their control. These people feel as if life dealt them a hand, and they must accept it. They feel as if they cannot change, and that they deserve to be where they are now five, ten, and even twenty years from now.

At the end of the day, we didn’t want our kids exposed to that.

Over time, my wife and I have had to make similar choices when it comes to our friends. While we have plenty of friends from high school and college who we love to hang out with, that was a totally different period in our lives.

As we have grown as parents and as a couple, we now see that a lot of them are living lifestyles we can’t necessarily support. Either they’re making the same mistakes they were making five or ten years ago, or they’re not in a good place in their marriage.

Over a period of years, we learned to stop spending time with couples who had different values and ideas on marriage than we do. And if we wanted to survive and thrive as a couple, we needed to surround ourselves with couples that were equally committed to their marriages.

Another area we had to limit was our dealings with coworkers. We have all worked with people who are a cancer to their employers and absolutely toxic to be around. These people love to complain about everything, gossip, and talk negatively about everyone else. Other times, they are just plain lazy and unmotivated.

When I was starting out as a financial advisor, I worked with a group of advisors who weren’t necessarily trying to grow. They were content with where they were, so they spent long lunches away from the office.

Over time, I started eating lunch with them to break up my day. What I found was, their lazy and nonchalant attitudes started to rub off on me. Because I was surrounding myself with people who weren’t motivated to grow, I was slowing my own growth.

After a while, I stopped eating lunch with them and got busy working on myself and my business. Once I made that decision and put some distance between us, I was able to grow my business more and focus on my goals and ambitions.

Career Coaches and Mastermind Groups

Beyond analyzing the relationships you have with family, coworkers, and friends, you should seek out people who motivate you. In my own life, I ended up joining the Strategic Coaching Program, which was founded by Dan Sullivan.

I have talked about my experience numerous times, but I have to say, this program was a game-changer for me.

With this one move, I surrounded myself with other entrepreneurs who were hoping to grow and change in the same ways I was. Although these entrepreneurs were diverse in gender and socioeconomic background, they all had something to offer to this group.

This was a huge monetary investment for me, but I can honestly say it paid off.

In addition to this move, I also joined several mastermind groups. In case you aren’t aware of these, these are groups of entrepreneurs or businesspeople who meet regularly to discuss their dreams and goals.

This was amazing for me. As an online entrepreneur, I found it fascinating to connect with other digital entrepreneurs. Remember, I live in rural Illinois, so it’s not that easy for me to find other people in my field who operate on my level.

Since the people in these groups lived all over the country, we would meet online through a service like Google Hangouts or Skype. This offered an excellent opportunity for all of us to air our grievances and bounce ideas off each other. We also opened a private Facebook group where we could collaborate in real time.

One mastermind group that was particularly helpful to me is Michael Hyatt’s Inner Circle mastermind group. This group gave me the tools to establish myself not just as an entrepreneur, but as a family man who had proper balance in his life.

In this inner circle group, we have ten guys who are all committed to being better fathers, husbands, leaders, and CEOs. I’ve shared some of my biggest struggles with this group, and received the kind of feedback I need to make huge, actionable changes. And when I tell them about my crazy dreams and goals, they don’t laugh.

Wrapping Up

When you look at your own life and the five people you spend the most time with, are you doing the best you can? Are you surrounding yourself with positive people who are striving to reach their own goals and dreams? Do you spend time with people who similar values and commitments as yourself?

If not, it may be time to seek out new relationships and opportunities so you can be exposed to different learning experiences and challenges.

This is tough, but it’s essential if you want to grow and become the very best version of yourself. I hope the tips I have offered here can help you find your way.

How do you feel about the five people you spend the most time with? 

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You don’t need to be rich to eat healthily

Enough with the expensive superfood fads. It’s time to preach a message of ‘health without wealth’ — something that’s attainable by all.

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How Not to Die from Heart Disease

from NutritionFacts.org http://www.youtube.com/watch?v=LXigmGZk5FU

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Color-Happy Country Living in Fort Worth Texas

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Research Report: Older Adults with Diabetes at Increased Risk for Memory Problems

Researchers found that older adults with diabetes and high blood glucose levels had lower scores on the first memory test and a bigger decline in memory function by the end of the study than those without diabetes or high blood

…

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Fresh Square countertop growing units offer easy indoor gardening

As interest in producing clean food at home continues to grow, a whole crop of indoor growing units are sprouting up to meet demand, such as this latest entry into the countertop growing scene, Fresh Square.

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Do you know the difference between grass fed, pasture raised, organic and free range?

A new survey finds that animal welfare labels affect buying decisions, but few people actually know what they mean.

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