Shopping Product Reviews

5 Essential Grilling Tools That Promote Safety

We all know that anything to do with fire has some dangers and risks, including cooking and grilling. If you love barbecuing, you’ve probably been burned a time or two by now. For your safety (and that of your family as well), it is best to take extra precautions while working with the grill. Buy gear that will protect you or reduce the chance of getting burned by heat.

Here are some essential grilling tools for safety that you should buy:

Spatula and long-handled tongs

A good spatula has an offset handle to easily slide it under food on the grill. You can choose a silicone or metal one, but be sure to choose a long-handled spatula to keep your hands away from the heat of the grill.

The same goes for flip flops. Choose a long, spring-loaded handle. Tongs are a better choice than forks when cooking meat, as the forks pierce the meat and release its juices.

Oven mitts or oven mitts

It is your hands that are always very close to the heat when you are cooking on the grill, so it makes sense that they are the most protected. Invest in good quality grill mitts or mitts (not the ones you use in your kitchen!) that are specifically designed for grilling.

There are a variety of materials you can choose from: some use heavy-duty cotton, fire-retardant fabrics, leather, and so on. Choose one that is large and hits close to the elbow.

grill brush

When it comes to grilling safety, we don’t just mean dealing with heat and fire. Food safety is also included. To ensure that the food you serve is sanitary and healthy, always clean your grill grates with a good quality grill brush before and after cooking.

Remove grease and food debris regularly; this will also prevent outbreaks that are dangerous.

meat thermometer

Speaking of food safety, you don’t want to make anyone sick by serving them undercooked meat. When grilling meat, always use a food thermometer to make sure the food is cooking well, not over or undercooked.

Insert the instant read thermometer through the thickest part of the meat, away from the bone for an accurate reading.

grill light

A grill light is a tool that all grillers should invest in. It makes grilling at night so much easier – you’ll be able to see if your food is cooking well and you’ll be able to move around and cook safely with adequate lighting.

Compared to using flashlights, grill lights allow you to cook hands-free, so you can focus on cooking.

For an overall safer grilling experience, invest in these essential grilling tools that promote safety.

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Born to Win by Zig Ziglar and Tom Ziglar – Book Review

Content Synopsis:

This is the latest book from the late master salesperson and motivational speaker and writer Zig Ziglar and his son Tom Ziglar. Tom is now the CEO of the empire his father built over the past four decades.

Born to win It is divided into three parts: Plan to Win, Prepare to Win, and Expect to Win.

in part 1 planning to win there is a thorough discussion of developing your vision of where you want to go or what you want to achieve and then how to set realistic and useful goals and how to implement them. Ziglar focuses on the importance of our Desire to achieve our goals. He echoes the work of Napoleon Hill and others who have written about the critical importance of vision and desire. He also discusses the six qualities he considers essential to winning: honesty, character, faith, integrity, love, and loyalty.

in part 2 preparing to win it’s all about preparing to win. It’s about gaining the knowledge, skills and experience you need to be successful. Included in this is developing the disciplines necessary to win and the need to associate with the right kind of people who will help and inspire you.

in part 3 hoping to win you learn how worry is a fruitless and destructive emotion that we must overcome. Here you see the logical extension of the work done in Parts 1 and 2 to condition your mind with the correct attitudes and expectations. Here you learn the self-defeating thought that you must banish from your mind.

Like all good best-selling literature, you won’t find anything magical or “new” in this book. It is a distillation of the best of what has been written about success, but presented through the unique lens of the author’s experience and reflection. Through their own life experience and that of others they have worked with, they have seen what works and how it works and share it with the reader.

Balance

Ziglar emphasizes throughout the book the importance of achieving balance in our lives. This includes paying sufficient attention to our spiritual, physical, and emotional needs. He deeply values ​​family and friends and teaches that success is meaningless without spending time and effort in these areas. As he observes, there is nothing more pitiful than a rich man with no family or friends.

Ziglar places more emphasis on spiritual development than many successful writers. He is a devout Christian and comments on how his faith changed his life and the vital role he plays in winning. He is not suggesting that you should be a Christian, but rather whatever you believe, you must feed that spiritual need in order to thrive.

Motivation

The book talks about motivation. He notes that motivation is as essential as food. People criticize motivational speakers like Ziglar because they say that motivational jobs only have a short-term effect. Ziglar points out that a meal only has a short-term effect. Just as we must eat every day to stay healthy, we must seek motivation every day to stay motivated and on the path to victory. I have never seen a better explanation of the importance of continuous motivation to feed our spirit.

For Zig and his son Tom, success in life must be holistic and a work in progress. No one really makes it to the top, they just keep getting closer. For Ziegler, “winning” is realizing fulfillment and success in this process.

Utility:

This book is very useful for anyone looking to succeed in life, in business, or in any other worthy cause. You will learn from him and he will motivate you. Every time you reread it you will get an extra boost.

Readability/Writing Quality:

It is very well written. It is well organized and written in an easy to follow style. They use good illustrations and examples to show the principles they teach.

Notes on the authors:

Zig Ziglar is a master motivator who has spoken to millions of people around the world, has published 29 books and numerous digital products. He has worked with six US Presidents, world leaders, and many Fortune 500 corporations.

Tom Ziglar, Zig’s son, is the CEO of Ziglar, Inc. and has worked for many years to bring his father’s message to the people. He has worked especially hard to carry this message to third world nations.

Three great ideas that you can use:

1. “You can have anything you want in life if you help enough people get what they want.” -Zig Ziglar. This has been Mr. Ziglar’s mission and mantra for decades. Through his own experience he has shown it to be true.

2. Remember Frank Outlaw’s formula: Watch your thoughts; they become words. Use your words carefully; they become actions. Watch your actions; they become clothes. Take care of your clothes; they become a character. Take care of your character; because it becomes your destiny.

3. “Born to win is all about planning, preparing and expecting to win. It’s also about being the best you can be, regardless of your job or profession.”

Disclosure Information:

Born to Win by Zig Ziglar and Tom Ziglar

Copyright 2012 Zig Ziglar

Available as a Kindle book.

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street fighter 4 – sakura

Sakura Kasugano (usually known simply as Sakura) is a 16-year-old Japanese schoolgirl who fights in her slightly revealing school uniform. She made her debut not in Street Fighter, but in another game called Rival Schools, which explains her schoolgirl connections to her.

Sakura has a slightly unhealthy obsession with Ryu. This is reflected in her style, which is similar to that of a Shotokan fighter (which is the fighting style of Ryu, Ken, and Akuma). The basic Shotokan moveset compromises of a fireball, a dragon punch, and a hurricane kick. Street Fighter 4’s Sakura is a slightly different Sakura than we’re used to, as she now has a new Ultra combo.

In Street Fighter 4, Sakura is supposedly one of the weakest characters, according to the official tier list. This, however, is only based on paper and not in reality. She also has a lot of depth to her, and is the type of character that needs to be fully explored before she can be judged. Street Fighter 4 Sakura has more than enough potential to become a standout character and, in the hands of the right player, to be a considerable threat, due to her speed and interesting move set, as well as her ability to pull off some great combos. . Her moves and the way she can be played are very varied, making her unpredictable to play against. For example, most of her standard moves have very high priority (meaning they win against another attack). This is the kind of thing that most newcomers to the game won’t be aware of.

Sakura’s only real weakness is against characters who ‘turtle’ (meaning they take cover in a corner and attack with projectiles or special moves). Examples of the best turtle characters are E.Honda, Blanka, Guile and Sagat. The reason Sakura has trouble dealing with these opponents is that her fireball is terribly slow and she has even less range, which means she often can’t trade blows with her opponents.

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Successful Business Tips for Business Bees Who Want Internet Marketing

For example, if your company provides web application development services along with web design and development services. Do you know the market value and competition for the services you provide, and do you know what competitors are doing for your future success? As your company provides web application services, do you think about what are the latest trends in mobile devices and what to do to be successful with the latest trend?

Mobile phones are getting heaps better, Google searches are increasing through mobile search. Most of the people use the latest mobiles so they need some apps to surf the web without any interruption like apps and all. When I was looking at some keywords like mobile app services, I can see the newly updated keywords in tools like android app services, android app development, blackberry app development gradually increasing by hundreds a thousands on the monthly chart, I’m sure one day this seeks will hit the peach.

So just go to the web and search for the keyword android app services, you will see a small number of competitors, but in the future you will possibly hit the apex. How does it mean that when the trading bees realize that people are looking for android apps for their mobile needs, they will start marketing their internet profile for the particular service? Do you want to rush when they started marketing their profiles? You can, but it’s hard to reach your profile visitors when your service is already taken by your competitors on the web.

What are you waiting for? Just update your profile (website) with the latest key trends and let it flow across the web before your competitors do and let it meet the eyes of visitors. As I am successfully doing my web design company Chennai with Search Engine Optimization Chennai and Search Engine Marketing Services we are thinking totally different to take our business to a successful topographical place. Don’t run from post to pillar always try to create pillars and let the opponents see it.

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Togel Hong Kong Atau Togel Hong Kong Dan Pengeluaran SGP

Togel Kita

Togel from Hong Kong | Hongkong | GSP expenses

Singapore Togel Agent, Hong Kong Togel We are a lottery agent serving lottery lovers in Indonesia. We have long served a variety of lottery dealer services from various popular countries, namely Singapore Togel or Hong Kong Togel and often also called SGP Togel, Hong Kong Togel, Tokyo Togel , Seoul Togel, Bangkok Togel, Manila Togel, Barcelona Togel and Berlin Togel.

The seven most interested markets in Indonesia that we have legally or officially served. So you don’t have to worry about your safety and comfort. Promising your experience better than other lottery agents or bookmakers.

As the most popular online game it has been the focus of our services in recent years.

We support online gaming account opening and work with well-known local Indonesian banks. So that your transactions are easy and safe.

We always try to provide the best service by giving out bonuses and promotions every month. Therefore, it is very beneficial for new and old members. Togelkita is committed to providing the best service to our members, we support 24-hour customer support and a 7 (seven) day week.

You can easily contact us via live chat at the bottom right corner of this website or you can directly contact the listed contact. And finally it has become the best and most reliable agent that is ready to serve you. Regards Betting Agentogelkita.com

TOGELKITA The best and most reliable online airport guaranteed 100% payment

Bandar Judi Agen Singapore 4D 3D 2D to play online is an online agent site, online gambling, the best and most trusted online site for online poker lovers in Indonesia with the twelve foreign markets online. facilitating various bookmaker groups of reputable trusted agents such as Bursa and Hong Kong Online Togel. We are also an official agent of Timor Lottery, 4DBeijing, 4DTokyo, 4DSeoul, Bangkokpools, Singapore45, 4DMilan, 4DManila, 4DBarcelona, ​​​​​​€‹ 4DBerlin dealerships.

Togelkita is one of the Singapore and Hong Kong SGP 4D agent sites ranked as one of the best and most trusted online agent sites in Indonesia. Togelkita is equipped with a security system that makes it easy for Togel Online members to access Togel Bets anytime, anywhere 24/7. All markets maintained by the Togelkita Site are Official and Legitimate according to their respective markets. backed by local Indonesian banks such as BCA, Mandiri, BNI and BRI, which will facilitate deposit and withdrawal transactions.

An online gaming website that was established in 2013 and has been proven to pay members who make hundreds of millions of withdrawals from this trusted broker website. Togelkita guarantees satisfaction and certainty that all member winnings must be paid for every Indonesian player. In order to facilitate your transactions and games, we offer several online means of communication to communicate with our customer support, such as Live Chat, Blackberry Messenger and Whatsapp.

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The audacity of evolution

“Evolution is a fairy tale for adults,” says Professor Louis Bouroune, president of the Strasbourg Biological Society, director of the Strasbourg Zoological Museum and director of the French National Center for Scientific Research. In other words, believing in evolution requires one to throw rationality out the window.

The “theory of evolution” formulated by Charles Darwin is based on faulty observations and data. In reality, there is a lot of evidence that contradicts this teaching. In fact, evolution is not really a theory, a law, or even a science. Theories can be tested. Scientific law is tried and tested by experimentation; not so with evolution. As we shall see, evolution is closer to blind wishful thinking than science.

Consider an illustration:

A man was having a conversation with his new neighbor in his garage. The man asks, “Have I told you about my watch?” The neighbor replies, “No. What’s the story?” “One day, I was here in the garage looking for a flashlight. My daughter left her skates and I slid into the tool box. Springs and screws flew everywhere! When I came to, I looked at the mess and all those things came together to make this watch.

In this scenario, a complicated machine (the clock) was assembled by accident at random. Evolution happens in the same way. According to Darwinians, all life on earth began with “primordial ooze” or slime glued together by lightning or some other energy source, causing the building blocks of life’s chemicals to be built. Over the course of billions of years, these components somehow became single-celled organisms, which eventually evolved into all living things on Earth through random mutations.

Unfortunately for evolutionists, scientific law cannot allow this to happen. The second law of thermodynamics states that natural processes progress in a direction that increases the total entropy (disorder) in the universe. In nature, nothing becomes more orderly or complex in structure than what it comes from. Nothing can create something more complex than itself.

Many people assume that the main evidence for evolution is in the fossil record. We often hear reports of new species discoveries. Dinosaur skeletons, “ape men” and other finds seem to prove that evolution occurs. Scientific explanations from experts make the arguments seem even stronger.

The fossil record also opposes evolution. There are no fossils of animals in transition phases. The “new” species have just appeared. For example, there are no fossils showing the development of wings to link reptiles and birds.

Man’s oldest ancestor is said to be a species identified by a skeleton known as “Lucy”. Not commonly known, but in most biological circles, Lucy is considered a chimpanzee (1). Neanderthals have been found to be “anatomically correct humans who were pathologically altered by iodine deficiency diseases” (2, 3). Articles published in the journal Science in 1996 admitted that Neanderthals, Cro-Magnon man, and modern man lived during the same time period (4, 5). Furthermore, not enough fossils exist to support the idea that the Earth was inhabited by various forms of life for hundreds of millions of years.

The effectiveness of carbon-14 dating has been questioned. For example, the blood of a seal that had just been euthanized in Antarctica was analysed. He indicated that the seal had been dead for 1,300 years (6).

There are many reasons to reject the claims of evolution beyond the ones we have briefly discussed in this essay. Seeing that there is no clear scientific or rational reason to accept Darwin’s theories as fact, those who deny the truth choose to “believe” in evolution. British physicist HS Lipton says: “Evolution has become, in a sense, a scientific religion; almost all scientists have accepted it and many are prepared to ‘twist’ their observations to fit it.” Instead of believing in a Creator who made humans and the rest of the universe for a purpose, they make time and chance their creators. Believing in something that cannot be seen, proven, or even proven will be considered by many to be religious faith.

Sources:

1) Science News, col. 123 February 5, 1983, p. 89
2) John Noble Wilford, New York Times, December 1, 1999
3) Guy Gugliotta, Washington Post, May 24, 1999
4) Science, vol. 276, May 30: 1331 and 1392, and Science, vol. 274, Dec.
13, 1996: 1841 and 1870
5) Science, vol. 274, Dec 13, 1996: 1873-1873
6) W. Dort Jr., Ph.D., United States Antarctic Review,
September-October 1971, p. 211

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Internet of things influencing everyday life

Our planet is turning into an electronically controlled ball of energy. The anticipation of the Internet of Things (IoT) is high in today’s technology-driven world. Let’s go back in time, say a decade ago, when the Internet of Things was as anonymous as the iPhone. And now all of a sudden it’s everywhere and it’s news.

So how was IoT coined?

It was made in 1999 by Kevin Ashton. According to him, it is an Internet system that connects to the world through sensors and data storage. The way the Internet and devices have grown in the connected past is evident from the fact that in the year 2003 the ratio of Internet-connected devices per person was 500 million Internet-connected devices for 6.3 billion people in the world with approximately 0.08 devices per person. person. This skyrocketed and by 2010 the ratio was 12.5 billion internet connected devices for 6.8 billion people in the world with around 1.84 devices per person.

How is a device classified in IoT?

Not all electronic devices can be classified in the Internet of Things. Devices like a toaster or a refrigerator cannot be part of IoT unless they have the 7 key characteristics which are: sensors, processors, internet connectivity, cost effectiveness, energy efficiency, quality and security.

The future plan is to make home appliances such as light bulbs, doors, and washing machines a part of IoT. These appliances don’t get replaced very often compared to our cell phones, making them very attractive to be retrofitted. Giving home appliances with sensors and connectivity means giving them a brain of their own, and thus home appliances will be able to perform functions automatically without external stimulus at different times.

The evolution of machine-to-machine communication is what IoT is all about and it is fast-paced, which means capturing and storing gigantic amounts of data. The need to store data at every step has in turn given rise to Big data and the rise of cloud computing.

The companies that implement iot are very diverse and are destined to grow big in the near future. Embedding IoT in businesses enables companies to better assess customer needs based on the data collected and meet their demands. Big data and internet of things These are the technologies to consider.

But how risky could this be?

There’s a lot of skepticism around the security issues posed by making everyday devices a part of the IoT. Security and privacy threats could be unimaginable with such a degree of automation. Concerns about privacy and security will grow with the IoT trying to invade our privacy. You may never know what could be spying on you. The next time you sit in front of your television, imagine that it is looking at you and not the other way around.

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Spam – 7 steps to prevent spam

I would love to tell you that I have a silver bullet to stop your spam problem. Unfortunately, one does not exist. Yes, there are hardware and software solutions that are getting pretty good, but they come at a cost.

Unfortunately, there is no easy and cheap remedy; once on a spammers list, you’ll be fighting forever. They trade, trade or sell your list to other spammers and you can never get out. A change of address is the only safe way. A lot of anti-spam products will certainly help, but you’ll always have to check your spam folder to see if there’s a “false positive” in there that you want; and learn how to “whitelist” the friends, colleagues, and discussion lists you want.

Some email providers are more prone to spam than others. This is due to a technique known as “Directory Harvesting”. Gmail is especially prone to this and many people have found that they are getting spam simply for signing up, without having sent or received an email!

Spammers know about Gmail and its popularity. Directory harvesting is the process of sending email to all possible combinations of letters with the @domainname after it.

Once again, it is a matter of payment for spammers. They know it’s popular, so they can write a program to send email to just about any combination of common names with the @gmail suffix (I deliberately omit the .com), and they know that a high percentage will be real email addresses.

After they get to the common names, they will look for other combinations. So it might help if you create an email as j#smith@gmail instead of jsmith@gmail. Unfortunately, this could also confuse the people you want to share the email with and maybe even trigger your spam filter to label your email as spam.

Why do you ask? Because spammers often change their “from” address daily, again using random characters, to thwart their “blacklist” attempt! (Better antispam software will allow you to block an entire domain, but many block only individual addresses.)

If you have a new email address and want to stay clean, or at least want to prevent your problem from getting worse, I have some tips you can follow.

7 steps to prevent spam from finding you

1. Protect your email address. Don’t give it everywhere. Use free disposable addresses (msn, gmail, yahoo) whenever possible. Maybe a second email account specifically for online purchases or even free subscriptions. There are also sources of temporary email addresses valid for a few minutes or days.

  • mailinator.com
  • 10minutosemail.com
  • maileater.com

These are just a sample, there are many more services of this type. Always use SiteAdvisor, a free service from McAfee, when looking for a service like this (or any other search). Go to “green” sites only. (See http://www.freecomputerconsultant.com/siteadvisor.html for details on SiteAdvisor.)

Give your real email only to trusted people or companies.

2. Beware of friends and family emailing large groups without using “BCC” or blind copying. Those emails are then forwarded over and over again, with YOUR email address there to be harvested from any of those computers that are infected. If you know someone has a problem, give them your gmail, yahoo, or msn address instead of the good one.

3. NEVER put your email address on the web in its normal format. Use some kind of camouflage, at a minimum “[email protected]” with a note to remove the abcxyz. Something. Be creative. This especially applies to newsgroups.

4. Be courteous with other people’s email addresses. Learn how to use BCC (Blind Carbon Copy) and when forwarding emails, remove all superfluous information, especially email addresses. Then encourage them to do the same for you.

5. NEVER open an email that you know is spam. Many emails include “home phone” programming that lets the spammer know that yours was a valid address when it was opened. That adds to the risk of viruses, spyware, and even serious damage to your computer’s usability.

6. NEVER click “remove me from your list” on a spam email. Again, that won’t get you off the list, just confirm yours is a real address so they can send you more.

7. Protect your computer. Always use up-to-date antivirus software and regularly scan for other types of spyware/malware. Some malware programs are designed to scan your address book and other areas of your PC for email addresses to add to their owners’ spam list.

Software and hardware spam filters

These filters, which can be expensive if hardware based, can certainly significantly reduce spam. But no matter what you do, there’s always the chance that a filter will create a “false positive,” that is, mark a good email as spam.

What that means is that you won’t see that email unless you check for false positives in some kind of special folder or quarantine area.

For this reason, I absolutely do not recommend any email or spam filtering service that does not give you access to suspicious spam – no filter is perfect.

And last but not least, try not to get too attached to your email address, in case you need to do an “address change”. Unfortunately, sometimes that’s the only option.

My website has additional information on home computer security

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Mobile gaming industry: generating big business from small devices

In 2007, Apple Inc. gave new meaning to mobile technology with the release of its flagship device, the first-generation iPhone. The device acted as a boon to the mobile game development sector, which was otherwise growing with a “snail speed“. Later, in the year 2008, the Internet giant Google also launched “Android operating systemand this eventually started an app war, and both of them became fierce competitors. However, this proved fruitful for smartphone users as the competition resulted in the development of better mobile game apps with great graphics, games Fascinating and excellent sound systems.

Statistics and Predictions

As time went by, companies brought advanced tools and technologies to develop more sophisticated gaming applications, to appeal to a larger portion of the mobile enthusiast population. According to recent statistics, in the year 2010, the sales of game apps for smartphones and tablets reached $898 million, and it is expected to generate a revenue figure of $1.6 billion by the year 2015.

The overwhelming response experienced by mobile gaming apps can be seen from the following facts:

  • 53% of smartphone owners play mobile games on a daily basis.
  • Smartphone users spend 14.7 hours a month playing mobile games
  • 93% of people pay for gaming apps
  • 100 million mobile gamers in the US alone
  • 700 million Angry Birds app downloads
  • Tiny Tower generated $3 million from in-app purchases
  • The biggest revenue generation is through advertisements.

It is worth mentioning that the above figures show only a small insight into the entire mobile gaming industry. However, with the evolution of technology with each passing day, the popularity of mobile gaming is expected to surpass all previous records.

Freemium Model or Paid Model – The Game Changers

The task of selecting the right medium for income generation has always been a game changer. There are three main revenue models in the mobile app development industry:

  • free apps – Apps were supported with ads to support revenue generation.
  • Freemium Apps (Free + Premium) – Free apps to download, but with in-app purchase options.
  • paid applications – Single payment for all features.

No doubt, the freemium model has proven fruitful many times over, but the main revenue generation is still driven by paid gaming apps. Furthermore, expert predictions indicate that revenue from free games with ads is expected to grow by 12.3% by the year 2014. Therefore, free apps are missing the “spark – spark“, and free apps show better potential, the prospects of being innovative and effective are higher in the latter. As a result, a balance in revenue generation between paid and free apps may be felt for years to come.

Word of mouth: the main reason for downloads

No matter what the medium, physical or virtual, “word of mouth” always serves as an efficient form of promotion. Despite the fact that companies are spending heavily to promote their gaming applications, statistics suggest that the advertising medium “word of mouth” still ranks number one in effectiveness. According to a recent survey:

  • About 50% of adults learn about new gaming apps from friends and family.
  • About 40% of adults learn about app stores, after reading user reviews and favorites list.
  • About 25% of adults learn from social networking sites.

However, there is also a long list of mobile gaming websites with a huge influx of web traffic, present on the internet offering game reviews, upcoming apps, tips and tricks. Therefore, companies should focus on using all kinds of efficient media channels to gain maximum coverage and ensure 100% promotion of their apps.

With mobile game apps available for free, it’s easy to fall for and become engrossed in them. Furthermore, from the above statistics, one can easily feel the increasing popularity, highest growth rate, and potential in the mobile game development industry.

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Personal Finance: Good Financial Habits to Start Now

“I just got my tax refund, it’s time to go on vacation!” I can’t tell you how many times I heard this growing up and now see it daily on social media. I recognized early in life that the way I managed money was very different from most people I knew. It has always baffled me because I never fully understood how people could spend money without even thinking twice about saving or retiring. Here are some basic habits you can start now to help ensure your financial security in the future:

1. Saving for retirement as soon as possible is the most beneficial thing to do. Even if it’s just $50 per month, which is the minimum for most plans, you could be setting yourself up with thousands and thousands of dollars when you retire. The sooner the better. For example, a 25-year-old who saves $200 a month until age 65 and earns exactly 6% of the saved funds annually will have accumulated about $400,000. But a 40-year-old who contributes the same amount each month to the same rate of income would have accumulated only $139,600 at age 65.

2. Never carry a balance on a credit card with an interest rate. This is one of the fastest ways to accumulate an amount of debt that could be a burden for the rest of your life. When you need to use credit and can’t pay in full each month, look for a 0% interest card. Many promotions are from six months to a year or more. If used responsibly, they are essentially a free loan. Just be sure to pay off the balance in full before the term is up or you’ll end up with retroactive interest that could add hundreds of dollars (if not more) to your obligation.

3. Instead of buying a new car or leasing it, try to save and buy a good used car for cash. What you save between interest, depreciation, taxes, plates and insurance will save you thousands. According to Edmunds.com, buying a car that is two years old is your best bet because it avoids the biggest depreciation drop. Owning it for three years and then selling it will also benefit you because you will see another big dip after the fifth year due to the long-term maintenance that is usually required at that time. If you can’t afford a two-year-old car without borrowing, then your best bet is to get a slightly older one with long-term maintenance fixes (and low miles if possible).

4. Avoid eating out if you can. The average American eats out 4-5 times a week and spends an average of $232 per month or about $2,700 per year. If you stopped eating out for two years, you would have saved enough to buy a nice used car like #3 above.

5. Last, and possibly most important, is long-term thinking. The worst way to justify the expense is to do it individually against the monthly or annual aggregate. For example, eating out – while it may only cost you $10 per meal, keep in mind that if you did this three times a week for a year, you would have spent more than $1,400. This same logic can be applied to just about anything: clothes, vacations, furniture, coffee, expedited shipping, etc. Every time you’re about to spend money, think, okay, how much will this cost me each year?