Stay Healthy and Wealthy

When you make those New Year’s resolutions, you’re thinking about fresh starts and the year ahead. What you might not realize is that some resolutions also could save money. Here are some popular resolutions that could help get you and your finances in shape in 2017.

Quit smoking: You can save money by stopping a pack-a-day habit, which can cost between $1,825 and $3,650 per year, depending on the cost of cigarettes in your area. Nationally, a pack-a-day smoker is going to spend an average of $2,000 annually on cigarette costs.

Set up and stick to a realistic budget: If you want to resolve to stick to a budget in 2017, you must start with a realistic plan. People tend to make financial resolutions the same way they do a weight loss plan. If you start with lofty goals they will be unachievable within a month. List your priorities for spending rather than restricting your spending. Focus on necessary expenses then include a certain amount for retirement savings. Then with the remaining money you have each month, set aside a little for enjoyment. It’s critical you have rewards in your budget.

Exercise regularly: You’ll save money in several ways with regular exercise. On average, Americans are spending $7,800 annually on health care, according to the National Association of Health Underwriters. But exercise brings real savings. “If people are eating right and exercising three times a week for 20 minutes a day, they see prescription costs decrease by 70 percent and medical costs decrease by 30 percent,” says Ric Edelman of Edelman Financial Services. Stop spending money recklessly: One of the best ways to stop spending your money recklessly is to track where it is going each month. Check with your credit union and download their free mobile budgeting app that shows expenditures by category so you can monitor your spending. A great way to get your spending under control is quit trying to “keep up with the Joneses”. If you want to fix your bad spending habits in 2017 start hanging out with other spendthrifts because you will likely become one yourself.

Eat healthier: A healthy eating plan can be as — or more — economical than fast food. It’s a total myth that eating healthy is expensive. Buy smaller but leaner cuts of meat, eat protein-rich beans and buy produce in season when it’s freshest and least expensive. A smaller amount of a leaner cut can slice your food bill and your bad cholesterol.

Build an emergency fund: Nothing takes the stress out of financial situation like spare cash. If you are among the millions of Americans that don’t have enough money set aside to cover unexpected expenses or emergencies, then you should resolve to build one in 2017. Experts recommend putting enough money in a savings account to cover six months’ worth of expenses in case of unexpected emergencies like job loss, maternity leave or medical issues. You can always apply a small amount of your paycheck towards this account, so you make sure it is hidden from you.

Pay off high-interest debt: Paying down credit card debt is one of the most popular short-term goals in 2017. Try focusing on paying off your high-interest credit card debt before other debts because it is more expensive. And, it you are motivated by seeing those results first hand, start by paying off your card with the lowest balance first so you can feel that sense of accomplishment. Create your estate plan: An important 2017 resolution would be to tie up any financial loose ends for your loved ones so they aren’t left trying to pick up the pieces. Make sure you have a will or trust that designates who’s in control of your assets. You certainly don’t want the state court system to make that decision for you. Don’t forget to designate a guardian for your children, and someone who will make financial and healthcare decisions for you if you are unable to do so.

Develop common financial goals with your partner: Many times finances are the biggest source of conflict between couples. It’s important that couples sit down and create a financial plan. It doesn’t usually work to try and manage their finances separately.

Any of these resolutions can help improve your financial security in 2017. I suggest tackling one financial tip each month so you don’t get overwhelmed. Then as you get accustomed to the new approach to spending and saving, add another. By the time 2017 starts dwindling toward 2018, you will find you’ve made progress on achieving your financial goals.

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Think Outside the Marketing Box: 10 Quick, New Ideas for 2017

The holidays are upon us again. It’s the time of year for good cheer and some creative marketing ideas to end your year right.

If you’ve been in a marketing slump through the fall, try a few new and interesting ways to get a little more business for your small business:

  1. Create a personalized calendar to gift your clients. You can include inspirational quotes or advice for each month. Staying in front of them will solidify your brand in their minds for years and years to come.
  2. Give your customers a small gift of appreciation, like a customized sticky screen cleaner or promo handout. If you happen to give something that is useful and is well made, your customers won’t just thank you, they will be more interested in giving you referrals to other potential clients. Offer gift cards to give customers more flexibility for gifts. Be sure to place them near your checkout to encourage impulse buys. Starbucks or Amazon gift cards tend to be consistently well received.
  3. Take clients to a more personal lunch or brunch instead of throwing a larger, impersonal holiday party. Focus on having a good time and building rapport through not talking about business. They will take the gesture and thank you by becoming your biggest cheerleader.
  4. Host a day with Santa at your business where you provide free photos with the jolly old man. If your target market has kids, this will be a huge hit.
  5. Give holiday shoppers a free shoulder massage by hiring a masseuse for a few hours.
  6. Partner with other local businesses to give a package of coupons in each shopping bag. This is also a way to encourage sharing business ideas with your neighbors or setting up referral incentives with them.
  7. Sponsor a local event. This time of year many run clubs and other organizations hold holiday runs or New Year’s Day resolution runs or other events. Pick one you enjoy and sponsor it to get your name out. Pair with a local charity. Schedule an event where you and your staff volunteer with the organization. Offer discounts to your customers who volunteer their time with the same organization.
  8. Hold a customer appreciation sale during hours when you are normally closed to show your customers how much you appreciate their loyalty. Create a special invitation and think about giving them door prizes and small gifts for patronizing your business.
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Top 5 Features Added in Revit

A building information modeling (BIM) software, Autodesk Revit, has been useful for architects, structural engineers, MEP engineers, designers and contractors, enabling them to design structures and buildings in 2D and 3D, as well as being 4D BIM capable. It’s first version was released more than a decade back and since then it has seen many updates and new version releases, some have been just incremental updates serving for bug corrections and some have been significant technological updates.

Compared to the 2017 update, the previous 2 editions did not provide any significant upgrade until their ‘release 2’ (R2) editions were released. The 2017 update brings about 50 new, refreshing features which will prove to be immensely useful in creating BIM models. All the new features within the update are equally important and will be useful during the life cycle of a project, but out of those let us discuss the 5 most important features from Revit 2017. 1. Text Editing:

The most awaited feature in Revit since the time it was introduced, text editor has been included in the latest edition of Autodesk Revit. This provides a completely redesigned text engine which is compatible with imported files such as AutoCAD DWG files. The text editor in Revit 2017 also brings corrections to the flaws of text editor from earlier editions and lets users seamlessly switch between text editing mode and viewing mode without causing any unexpected disruptions in text.

2. Global Parameters:

Global parameters feature which was introduced in Revit 2016 R2 version, has received a much needed update in the 2017 edition. The latest update brings in the power of parametric families into the project environment. Applying global parameters to multi-segments is possible in this version, also grouping the parameters becomes easier, as does filtering and reordering. Even though the upgrades do seem to bring a lot of additional features, they do come with their limitations, such as the parameters can only be assigned to certain system family categories and only to user defined instance properties.

3. View Template:

View template is a very simple yet powerful feature added in Revit 2017 which enables the user to share data and reuse schedules. This feature automatically updates all the schedule changes whenever they are affected within their respective templates.

4. Calculated Values in Annotations:

An essential and a long overdue feature introduced in Revit 2017 is Calculated Values in Annotations. It is a useful feature that allows the user to document projects with annotations that allow calculated values and which obey pin restrictions maintaining consistency and accuracy of the project. A tag created with calculations in it can be used with any tag type and pinned to an element allowing the user to reposition that element without actually moving the pin position.

5. Railing Host:

Railing Host or Hosted Railings, is another valuable feature introduced in Revit 2017 (SHOULD THIS SAY 2017?) along with Calculated Value in Annotations feature. With this feature it is now possible to host the railings on Walls, Roofs or Slab Edges and the railings will adjust with variations in slopes and surfaces.

There are a host of other additions and updates in Revit 2017 apart from the ones listed above. It remains to be seen what if any flaws exist during real time use or if they truly result in the enhancements promised. Although, considering the supposed flaws that may exist, Revit 2017 is a huge step forward.

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5 New Year’s Resolutions for Busy Families

It somehow seems that modern life is busier than it has ever been. As well as our work and family commitments, there are now so many ways to spend our leisure time; it often feels like 24 hours is simply not long enough to get everything you wanted done in the day.

The problem of being busy all of the time (even though it is a good problem to have) hits those of us who have time-consuming jobs and are also raising a family the hardest. If you fall into this category, you may find it helpful to read the following list of five potential New Year’s resolutions you could make to ensure your 2017 is less stressful than this year may have been!

1) Leave the office on time – Even if it’s only on one or two days a week, it is important that you sometimes put your foot down and leave your place of work as soon as your day is meant to finish. You’ll find that you get much more done in the evenings!

2) Invest in a 2017 calendar – It may sound like a simple step, but that’s sort of the point. Having your work and leisure commitments mapped out for the weeks and months ahead in an easy to view format will allow you to see at a glance just how busy you are and whether you are taking on too much.

3) Spend 10 minutes doing nothing – Again, this is more productive than it sounds! Set your alarm ten minutes earlier every day so that, before you get up, you can spend this extra time in completely undisturbed silence, thinking about what your priorities should be for the day to come.

4) What are your two most important tasks? – Speaking of priorities, it is also a good idea to take a step back from time to time and decide which the two most important jobs are that you wish to accomplish on any given day. This is a great way of clearing your head when you feel overwhelmed.

5) Consider hiring household staff – You may have thought that hiring a nanny or other household staff might be the ‘easy way out’, but this is not the case. Those who have invested in professional assistance of this kind know that hiring a caring and responsible person to help run your busy home is a fantastic way of relieving domestic pressures.

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How to Get What You Want in 2017

It is almost 2017 and time to start thinking about those New Year’s resolutions but the problem with New Year’s resolutions is that so few people actually achieve them. Why is this and what can you do to make sure you actually get what you want in 2017?

1. Write Down Your New Year’s Resolutions and Set SMART goals

The first step towards achieving what you want is to actually write it down and turn resolutions into goals. An unwritten resolution is quickly forgotten and unless you have some written, specific goals chances are you are just going to be wandering. SMART goals are specific, measurable, attainable, realistic and time-bound. In other words, say exactly what you want to achieve, by when and have ways of measuring how you are getting along. 2. Develop Habits and Consistency

Another problem that often occurs with New Year’s resolutions is that people do not form habits and develop consistency in those actions that are going to get them there. For instance, if you want to lose weight, it needs to become a habit to exercise and eat healthy foods. They say it takes 21 days to develop a habit but it is actually better to consistently stick to it for 63 days to ensure that the habit is well entrenched into your lifestyle before taking any breaks. Not all habits need to be done every day but you do need to be consistent in doing those things that will get you towards your goal.

3. Track and Measure

Set smaller goals and ways of measuring how you are making progress towards your major goal and then track these. Start by tracking those habits that it will take to get you there – how many times have you exercised this week for example. As you are tracking you will see how even the small steps count and will be more motivated to keep moving towards your major goal.

4. Stay Positive

Your mindset has a huge role to play in whether you are going to achieve your goals or not. Always try to remain positive and think positively. Focus on what it is you want but don’t beat yourself up over setbacks or slip ups, you will get times where things don’t go perfectly or you may have a setback but just keep going and you will get there.

Instead of just setting some New Year’s Resolutions for this next year why not turn them into actionable goals, develop habits that will help you achieve them and track these consistently. Keep positive and all the best for achieving whatever it is you want to achieve in 2017.

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