Presenting YAUGU (yet another urban grow unit).
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from Osiyo Marketing http://ift.tt/2cGSp8E
Presenting YAUGU (yet another urban grow unit).
The post Put a tiny garden in your house with Wall Farm appeared first on Osiyo Marketing.
from Osiyo Marketing http://ift.tt/2cGSp8E
| (NaturalNews) Ready to have your worldview blown away with a shocking realization? Consider the following. You know how bombarding bacterial populations with antibiotics actually makes them stronger? Turns them into superbugs that can survive almost anything? Now consider this stunning... |
"Healthy fried chicken" sounds like an oxymoron, but we make it happen with this healthy homemade Nashville Hot Chicken recipe. In this recipe makeover, we use a few clever tricks to cut down on calories and sodium while maintaining the crispy, juicy, delicious features that make fried chicken so finger-licking good. Here are a few hacks we used that can help you make fried chicken healthier at home.
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.
from Osiyo Marketing http://ift.tt/2dxviub
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.
from Osiyo Marketing http://ift.tt/2dxviub
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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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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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.
The post Why ‘stunt foods’ continue to persist in fast-food restaurants appeared first on Osiyo Marketing.
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This artist is “lacing” urban space, where stuffy old lace becomes eye-catching street art.
The post Artist’s lace-themed street art beautifies cities & honors handicraft culture appeared first on Osiyo Marketing.
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from NutritionFacts.org http://www.youtube.com/watch?v=h4LvCZ0KnKc
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 …
The post Diabetes in the News Podcast: Coronary Artery Bypass Grafting is a Good Option for Type 2’s appeared first on Diabetes Health.
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| (NaturalNews) Many people and organizations seem to love a good whistleblower, until it is one of them that is being exposed for alleged wrongdoing. That may be the case with officials at Hazel Juco's Westland, Mich., high school.When the senior at John Glenn High School snapped... |
| (NaturalNews) With each passing day the world learns something new and horrifying about the slow, steady economic decline and implosion of socialist Venezuela, and yet its leader, Nicolas Maduro, remains committed to the "revolution" that is destroying that once-vibrant South American... |
| (NaturalNews) In the upcoming November elections, every one of the 435 members of the House of Representatives – along with 34 members of the Senate – will be up for re-election.The Autism Action Network wishes to remind everyone that this is the perfect opportunity... |
| (NaturalNews) Glyphosate, a toxic chemical found in popular weedkiller Roundup, is classed by the World Health Organization as a probable carcinogen. Roundup is commonly used across America in gardens, public parks and for agriculture – but studies have found that one of its... |
| (NaturalNews) The processed food giant Tyson Foods has just issued a massive recall on more than 130,000 pounds of their chicken nuggets, due to concerns that the products are "contaminated with hard plastic," NBC News is reporting. Doesn't that just sound delightful?The recall... |
| (NaturalNews) Could LED lights be hazardous to your health? Well, it certainly seems like they might be. The American Medical Association (AMA) has just issued a warning that high-intensity LED streetlights emit blue light – which cannot be seen. Blue light is known for disrupting... |
| (NaturalNews) The excessive use of antibiotics in humans and farm animals can drive drug-resistant bacteria to thrive. These so-called superbugs are resistant to most traditional last resort antibiotics. Despite this danger, U.S. hospitals continue to over-prescribe these drugs.In... |
| (NaturalNews) Pets can enhance people's lives in a number of very positive ways, such as by providing companionship, reducing stress and even improving their overall health. However, for a few unlucky people, cuddling their precious cat could lead to a life-threatening infection.While... |
| (NaturalNews) It's a shameful fact that Native American communities remain among the most economically-disadvantaged and environmentally-impacted in our nation. And among the various tribal nations, none have suffered more than the Navajo people whose lands and waters have been poisoned... |
| (NaturalNews) An Italian doctor claims that he can transfer human consciousness to a new body by transplanting a head onto a new body. This could hypothetically prolong the lives of people whose bodies are ravaged by diseases that cannot be cured.The desire to achieve immortality... |
| (NaturalNews) A women's advocacy group fighting to eliminate toxic chemicals from consumer products and the environment has published a new report highlighting the dangers associated with many feminine hygiene and personal care products. Entitled "Chem Fatale," the paper by Women's... |
| (NaturalNews) If you start talking about the cost of cigarettes, everybody does the same thing -- they multiply the cost of one pack by the number of packs you smoke per week, and then times four weeks and then times 12 months. Instantly, you have a sum total of the money wasted in... |
It’s 2036 and you want to be somewhere else.
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| (NaturalNews) MY HEART GOES OUT to those injured in this morning's NJ train accident. My hope for all Americans is that we can all live in a safer, more just and more free society.On September 18th, I predicted the unleashing of a massive false flag attack against America's transportation... |
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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From sweaters to wraps to plush leggings, these casual and comfortable pieces will keep you toasty all autumn long.
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From sweaters to wraps to plush leggings, these casual and comfortable pieces will keep you toasty all autumn long.
The post Get warm and cozy with 10 ethical fall fashion picks appeared first on Osiyo Marketing.
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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 …
The post Living With Type 1 Diabetes: Rising Country Star Inspires Kids appeared first on Diabetes Health.
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| (NaturalNews) According to the Food and Drug Administration, the amount of aluminum in modern vaccines that infants are exposed to in their first year is about 4.225 mg, which the agency considers to be low, and thus safe. But some experts believe that there are vaccines being given... |
| (NaturalNews) In a move that is casting some serious doubt on assumptions about reproduction that have been held for centuries, scientists have just managed to breed mice without the need for fertilized eggs.The team of embryologists at the UK's University of Bath injected sperm... |
| (NaturalNews) Meet Matthew Barzun, the U.S. Ambassador to the United Kingdom and Sweden. Barzun bought his ambassadorship, paying more than $3.5 million to the DNC and Obama's Organizing for Action nonprofit from 8-21-2009 to the present. This is how the government has been operating... |
| (NaturalNews) An expert involved in the approval process for the human papilloma virus (HPV) vaccines Gardasil and Cervarix, is speaking out about the dangers and why you shouldn't risk your child's health in getting them.Diane Harper, M.D., professor and chair of the department... |
| (NaturalNews) By the end of 2016, the American Cancer Society estimates that cancer will have claimed over 595,000 lives: that's 1,630 people per day, in this year alone - making cancer second only to heart disease as the leading cause of death in the United States. In addition, over... |
| (NaturalNews) Glyphosate – the cancer-causing active ingredient found in Monsanto's Roundup weed-killer product – has been found to be present at "extreme" levels in soybeans, and is presumably also present at high levels in other foods, since glyphosate-based herbicides... |
| (NaturalNews) One of the biggest – but most easily debunked – lies we've been told about GM agriculture is that the technology is necessary to feed a steadily increasing world population.Monsanto and other GM agriculture companies would like for us to believe that... |
