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Tuesday 27 October 2015

5 reasons people choose to walk to end diabetes

 5 reasons people choose to walk to end diabetes
(BPT) - Nearly 30 million Americans are affected with diabetes and, if trends continue, one in five Americans are projected to have diabetes by 2050, according to the American Diabetes Association. However, thousands of people around the country are deciding to act and take change into their own hands by walking to stop diabetes. People walk for many reasons: for family or friends, as a challenge to themselves or in memory of a loved one, but the following five reasons unite most participants’ motivation to Step Out: Walk to Stop Diabetes.
Exercise — Regular exercise is an important part of a healthy lifestyle and a central part of diabetes management. Because of this, the American Diabetes Association developed the Red Strider Program to encourage people who live with diabetes to get out and walk in a fun, safe and supportive environment. Red Striders showcase the courage it takes to live with diabetes and demonstrate how one can lead a full, active lifestyle with diabetes.
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Empowerment The first steps toward managing diabetes and sharing lifestyle changes with friends and family take courage. In walking to stop diabetes, participants walk with heads high and are encouraged by fellow walkers every step of the way. “Two years ago I couldn’t leave the house, go in public or be around people,” says Jacinta Pericola, a participant in Step Out: Prescott, Arizona, living with type 2 diabetes. “Look what I did today. This has given me a purpose, given me a mission and I am so happy.”
Community — When people with diabetes participate in a walk, they join people from their town, county and state who are working to manage their diabetes every day. Red Striders join a community they might not have known previously existed. Friends and family can show their support by joining in and walking alongside their loved ones for a cause.
Fundraise — The power of Red Striders to motivate and inspire others living with diabetes can be astonishing. The result of walks across the country has been a hugely successful, raising almost $24 million annually to support the Association’s mission to prevent, cure and improve the lives of people affected by diabetes.
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Family Fun — Anyone can join a walk, and sometimes the youngest participants are the biggest leaders. Take Cooper, diagnosed with type 1 as a child, who has turned his local walk into a family affair, “Team Cooper was the number one family and friend team and Cooper was the top fundraiser for Chicago last year,” says his mother, Valerie Christensen. Cooper proves that no matter what their age, everyone can make a difference.
Each year thousands of individuals get out and make a difference in their own lives and the lives of others through the simple act of walking. Find out more at diabetes.org/registernow.
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Sunday 25 October 2015

3 steps to prepare your credit for homeownership

3 steps to prepare your credit for homeownership

(BPT) - Homeownership is a dream for many Americans, and maybe it’s one of yours as well. Making this dream a reality requires hard work, dedication and the proper preparation. You must figure out where you want to live, what type of home you desire, what you can afford and also how your credit rating may impact your home-purchasing goals.
Your credit rating can play an important role in the home buying process, and your creditworthiness could also affect the amount that you can borrow, the interest rates you will qualify for and your ability to obtain a mortgage loan in the first place.
“A consumer’s credit is one of the biggest factors that goes into the mortgage-application process,” says Eric Hamilton, President of Vanderbilt Mortgage and Finance, Inc. “Before applying for a loan, it is crucial to get your credit in the best shape you possibly can.”
To help you build good credit and increase your ability to obtain better loan terms, Vanderbilt Mortgage and Finance, Inc. offers these tips for improving your credit:
http://allsolutionsnetwork.com/cgi-bin/d2.cgi/IO31484/no_down_loans.htm

Pay your bills on time
Late or missed payments on any of your credit accounts, such as credit cards, mortgages and other loans, could cause a drop in your credit score. To prevent this, make your payments on time. Making additional payments whenever possible and paying extra toward the principal balance will also help to keep a good payment history and decrease the payoff timeline. Using an Extra Principal Payment Calculator tool can also help you calculate the savings that come with paying extra – generating additional motivation to do so.
Minimize any outstanding debt and keep existing debt manageable
Paying your statement balances in full instead of letting debt accumulate can improve your credit scores, which may result in better terms being offered from lenders. Lenders often check your credit report when you apply for a loan and measure the amount of debt you’re carrying against the loan amount they've requested. Excessive debt is one of the factors that could cause a lender to decline your application.
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Avoid applying for unnecessary credit
Credit applications can appear as inquiries on credit reports, which may suggest to lenders that an applicant is taking on additional debt. Be aware of advertising or sales promotions that offer purchase discounts if you apply for a credit card. Even these cards could show up as inquiries on your credit report. These inquiries remain on credit reports for two years. Instead of applying for additional credit, use your existing lines of credit to showcase your responsible credit management by paying bills on time and paying off the debt quickly.
"There are a lot of steps you can take to improve your credit, but it's important to remember that credit scores don't change overnight," says Hamilton. "It takes time to increase your credit rating, and while it may feel like a slow-moving effort, it is well worth the wait when you get to open the door to a home of your own for you and your family."
For more credit tips, you can check out the full Guide to Credit, and find other useful guides for homebuyers on vmfhomeloan.com.
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Heat your home without wasting energy this season

Heat your home without wasting energy this season

(BPT) - If you’re interested in living a greener lifestyle, perhaps you’re already trying to reduce your energy usage as much as possible. Maybe you ride your bike to work, unplug your electronics when they’re not in use, use fans during warm weather and avoid wasting water.
Saving energy can get more difficult, however, when the seasons change and colder weather sets in. Heat is a primary source of energy usage. In fact, research from Tulikivi, the world’s largest manufacturer of heat-retaining fireplaces, shows that 52 percent of a home’s annual energy consumption is allocated to heat.
Now is the time to think about reducing your energy usage during the winter. Here are some ideas that will help you enjoy a warm, cozy home while saving both money and energy.
Heat more efficiently
A crackling fire makes for more than just a pleasurable experience; it can also be an energy-efficient heating source. Fireplaces from Tulikivi help heat your home long after the fire goes out. Tulikivi fireplaces are built from soapstone, which has better thermal conductivity compared to other materials because of its dense structure and mineral composition.
For homeowners, this means once you start a fire in your fireplace, the soapstone will store heat in its thermal mass, allowing a two-hour burn to radiate heat for up to 24 hours. This lets you enjoy the clean, comfortable, cost-saving warmth without using additional energy.
You can learn more about Tulikivi, the recycled materials used in its manufacturing process, the clean combustion of its masonry heaters and its commitment to sustainability.
Close the drafts
One of the best ways to improve your energy efficiency is to reduce your energy waste. Window cracks and door drafts allow warm air to escape, which means you’re leaking both energy and money.
Seal those areas by using caulk to shore up any drafty windows and put plastic wrap over the window surface to keep out the chill. For the door jambs, you can purchase a door stopper to plug the gap or you can use a towel at the base to block the opening. Try to close off the bottom of any exterior door, particularly the doors you seldom use.
Make sure your other heating options are running efficiently
When you’re not using your fireplace, it’s good to know your backup heating options are operating efficiently. Have your furnace inspected routinely and make sure you change the filter each month. You should also invest in a smart thermostat. This technology allows you to set the temperature of your home for different times of the day so you can lower it when you’re sleeping or away. The calendar option means you can program your home’s temperatures ensuring you never waste energy.
Although it’s still nice outside, colder temperatures are on their way. That doesn’t mean you have to sacrifice your green lifestyle when you cheeks turn red. By using the tips above, you’ll still enjoy the same warmth and comfort without the additional environmental impact.
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Friday 23 October 2015

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10 Ways to Turn Browsers Into Buyers

       
One of the first steps in starting your own online business is making a website. This website is your place of business and must be treated as such. Your potential customers will visit your site and decide within seconds if they will stay or go. Turning these quick browsers into buyers is one of the major obstacles in building your new business.

Below are ten things you can do to help increase your website's conversion rate:

Call to Action – Telling your visitors what to do can help turn their indecisiveness into action. Tell them what to do to begin the ordering process. Tell them why they should buy from you and that they should "Buy Now". Tell them to Click Here to make the purchase. Give clear and concise instructions.

Easy Navigation – Do not make your site a maze for your visitors to try and navigate. Have a simple, clean design with an easy navigational menu. Use short, straightforward, easy-to-read paragraphs. Make all your pages uniform and professional.

Be Direct – Write your page copy like you would talk to your customer. There is no need for fancy words. You do need to be professional but your web pages DON'T need to be written like a complicated legal contract.

Contact Info – Always have your name and contact info on every one of your web pages. Be sure to write an About Us page. People will NOT trust you if they do not know who you are. Make up a Privacy Policy page so your visitors feel secure, which will add to that trust.
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Professional Graphics - Graphics can help increase sales but do not use the childish looking cartoon clipart. Use professional well-designed graphics. There are some sites where the cartoon clipart will fit but most will need sharp, clean professional graphics.

Easy Ordering Process – One sure way to lose a customer is by having a long, drawn-out ordering process. Having to click through too many pages to order will have your potential customer clicking to another site. Be sure your shopping cart is secure and doesn't ask your customer to write a book or click to the moon!

Upfront with Prices – One thing that makes me leave a site very quickly is if they try to hide their prices. Even if your prices are a bit high, you will be better off to be upfront with them than to try and hide them. Also, have easy access to your shipping rates and return policies.

Sense of Urgency – Sometimes people need a little help deciding if they should order or not. Creating a sense of urgency can help them make that decision. Limited Time Offer, Limited Supply, First 10 Customers, Buy Now for Free Gift. All these types of phrases help get the customer in the "Buy Now" frame of mind.

Stress the Benefits – Be sure to explain what your products and/or services can do for your customer. Benefits sell more than features. For example: If you are selling office chairs, be sure to tell them how it will help their posture thus minimizing back pain instead of explaining what the chair is made from. Let them know the chair will support their spine rather than going on and on about the fabric. People want to know what your product can do for them!

Make Your Visitors Feel Appreciated – If your visitors feel appreciated just for being a visitor, then they know they will be treated well as a customer. Give a free gift just for stopping by. Give them a discount on their first order. Let them know you appreciate them and thank them for even stopping by your site.

All these things can help sway a person's decision "To Buy or Not to Buy". Try as many as you can and see how effective they can be.

About the Author:
Terri Seymour (also known as "The eBook Lady") has over ten years online experience and has helped many people start their own business. Visit her site at http:http://b4c3ceoakwuaksti1blgeo3rdm.hop.clickbank.net/?tid=GLOBALGATE for resources, $1 resell ebooks & software, free tutorials, affiliate programs, free ezine and free business ebook with Master Resell Rights.

 

Thursday 22 October 2015

Goals vs. Objectives – What’s the Difference?

Its often hard to know the difference between goals and objectives – in fact, we often use the two terms interchangeably. But knowing the difference can help us to use both in a constructive way, to get us from where we are to where we want to go.


Both are a Way of Moving Forward

The major similarity between goals and objectives is that the both involve forward motion, but accomplish it in very different ways. We can think of goals as being the Big Picture — where we hope that our efforts will ultimately bring us. Objectives are about a specific plan of attack — usually a series of them — each being relatively short-term in nature.
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Goals: Changing Mindset and Direction
Goals tend to be long on direction, and short on specific tactics. For example, you can set a goal of losing 30 pounds without having a specific plan as to how to do it. You’ve defined the destination you want to arrive at, and tactics can be developed as you move forward.
We can think of a goal as doing the following:
  • Defines the destination
  • Changes the directon to move toward the destination
  • Changes the mindset to adjust to and support the new direction
  • Creates the necessity to develop specific tactics
Goals tend to change your mindset by changing your focus. And as your focus changes, it takes your thinking with it. This is why goals are often accompanied by affirmations, which involve projecting yourself into the desired (but as yet unattained) destination.
People set goals all the time, without ever being very specific. Organizations do it too. A company can set a goal of returning to profitability in two years, or becoming the leader in their industry in five years, all without ever determining how that will be accomplished.
And once again, the details are worked out later, after the big picture changes of direction and destination — or goals — have been changed and defined.

Objectives: Establishing a Series of Concrete Steps

If goals are about the big picture, then objectives are all about tactics. Mechanically, tactics are action plans to get from where you are to where you want to be. A goal defines the direction and destination, but the road to get there is accomplished by a series of objectives.
A good example of this is a person who owes $50,000 in credit card debt on ten different cards and wants to become debt-free. Getting out of debt is the goal. But it is achieved by paying off each of the ten credit cards, one at a time. The payoff of each credit card is an objective — the series of smaller targets that need to be hit in order to achieve the big picture goal of becoming debt-free.
The methodology for paying off each credit card will be very specific — i.e., you’ll need to pay X amount of extra money to Credit Card #1 for Y number of months in order to meet the objective of paying it off. Then you need to repeat the action for the remaining nine credit cards. The tactics — which are the objectives — are very specific.
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How Objectives Can Help You Reach Your Goals

In nearly any goal you want to reach you can use the credit card example to help you get there. First, you define the goal — what ever it may be. Unless the goal is a small one and easily obtained, it’s usually best to break big goals down to a series of specific action steps — it’s a way of using the divide-and-conquer strategy to accomplish a goal that’s far too large to do in the near term.
The action steps have specific targets, as well as methods to reach them. Each target is an objective. Once it’s accomplished you move on to the next one, gradually moving toward your goal as each target is completed.
Though goals generally control objectives, objectives can also control goals as they unfold. For example, since a goal is general in nature, it may be refined and altered as objectives are completed. The completion of an objective or a series of them, could cause you to either raise or lower the ultimate goal.
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In this way goals and objectives can compliment each other.

Goals

Objectives

DefinitionSomething which you try to achieveA specific result that a person or system aims to achieve within a time frame and with available resources.
Time FrameUsually long-term.A series of smaller steps, often along the way to achieving a long-term goal.
MagnitudeTypically involves life changing outcomes, like retiring, buying a home or making a major career change.Usually a near-term target of a larger expected outcome, such as passing a course as part of completing a degree program.
Outcome of immediate actionActions tend to advance progress in a very general sense; there is often awareness that there are several ways to reach a goal, so specific outcomes aren’t necessary.Very specific and measurable, a target is established and victory is declared only when the target is hit.
Purpose of actionA goal if often characterized as a change of direction that will ultimately lead to a desired outcome.Objectives tend to be actions aimed at accomplishing a certain task.
Example“I want to retire by age 50”“In order to reach my goal of retiring at age 50, I need to save $20,000 by the end of this year”
HierarchyGoals tend to control objectives; a change in a goal could eliminate one or more objectives, or add new ones.An objective can modify a goal, but will seldom change it in a fundamental way, even if the objective isn’t reached.

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