Archive for December, 2015

[VIDEO] The Common Barrier Between 11k People That Stops Them From Success…

There are many things that can stop someone from reaching their goals and accomplishing their dream. On the surface, the barriers could be lack of ambition, not educated enough, time, money, lack of support ,etc…. but when SoulPancakes partnered with Visa and asked 11 thousand people, the most common answer shocked them.. watch the video below to see the most common restriction to achieving your goals:


3 Holiday Traveling Hacks You Need This Season…

Let’s face it, the holiday’s can be stressful enough… yet alone adding travel on top of that. In the midst of going through security, high airline prices, and remembering what you can and can’t bring on a plane, it’s easy to loose sight of the Joy holiday’s are supposed to bring. That’s why I’ve brought you 3 Joy-saving hacks so you can grab your travel by the horns, take off, and enjoy the holiday:


Book Your Tickets…Incognito

By which we mean an incognito browser. See, many airline and travel websites use cookies to track how many times you’ve visited and then alter their prices accordingly (meaning, they jack ’em up). To make sure you’re getting the best deal, use Google Chrome Incognito. In the top right corner of your browser window, click on the drop-down menu and select “New Incognito Window.” A new window will open automatically and you’ll be safe to book your tickets with no preconceived pricing.


Breeze Through Security (And Email)

If you haven’t done so already, sign up for TSA PreCheck ($85 for five years), which will expedite you through security in more than 150 U.S. airports. Want the same speedy access to Wi-Fi? A Boingo subscription (from $5 a month) keeps you online at more than 30 domestic airports (and more than 1 million hot spots around the globe). Tip: American Express Platinum cardholders are eligible for free accounts.


Wrap Wisely

© nito103

© nito103

Did you know the TSA has the authority to open gift-wrapped packages, even ones in your checked luggage (eye roll)? In other words, do not travel with wrapped presents. Instead, either ship your gifts to your destination or pack them up unwrapped and prettify upon arrival.








Read more: Holiday Travel Hacks 


Nutrition Expert Suggests Taking These Crucial Steps Post Workout

You just got home from crushing your workout at the gym, open your  fridge, and think… what’s next? It is so easy to ruin a perfectly good workout with your actions post training. Sure, you realize you need to replenish your body, but how do you do that without completely ruining what you just worked so hard for? Cynthia Sass, a sports nutritionist, with, gives tips on getting the most out of your workout through these post training tips:

Eat within 30 to 60 minutes after exercise.

If you’ve had a particularly tough workout, try to eat a “recovery” meal as soon as possible. Exercise puts stress on your muscles, joints, and bones, and your body “uses up” nutrients during workouts; so post-exercise foods are all about putting back what you’ve lost, and providing the raw materials needed for repair and healing. In fact, it’s the recovery from exercise that really allows you to see results in terms of building strength, endurance, and lean muscle tissue. Not recovering properly can leave you weaker as you go into your next workout, and up your injury risk.


Think beyond protein.

Protein is a building block of muscle, so it is important post exercise, but an ideal recovery meal should also include good fat (also needed for healing muscles and joints), as well as plenty of nutrient-rich produce, and a healthy source of starch such as quinoa, sweet potato, or beans. These foods replenish nutrients that have been depleted, and provide energy to fuel your post-exercise metabolism.

© wollertz

© wollertz

A great post-workout meal might be something like a smoothie made with either pea protein powder or grass-fed organic whey protein, whipped with fruit, leafy greens, almond butter or coconut oil, and oats or quinoa, or an omelet made with one whole organic egg and three whites, paired with veggies, avocado and black beans.



If you sweat heavily, exercise in high humidity (which prevents cooling of the body) or your workouts last longer than 60 minutes, you might need a sports drink rather than plain water during exercise. These beverages are designed to keep you well hydrated, but they also provide electrolytes to replace those lost in your sweat (like sodium, which makes sweat salty; and potassium, which helps regulate heart rhythm), as well as fuel to keep you going. If your workouts are less strenuous, shorter, climate controlled, or not so sweaty, plain H2O is probably fine. The general rule of thumb is to drink at least two cups of fluid two hours before exercise, another two cups 15 minutes prior, and a half-cup every 15 minutes during. Post exercise, aim for two cups of water (16 ounces) for every pound of body weight lost, and monitor the color of your urine — if you’re well hydrated it should be pale.


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3 Ways To Get The Most Out of Your Money

We’ve all know the common saying, “make your money work for you”… but what isn’t so common is knowing exactly how to implement this financial suggestion… Below are 3 tips from  Sean Gould, a wealth strategist with Waddell and Associates and a certified financial planner to give you a taste of how you can get the most out of your money:

Open a high-yield savings account.

Gould explains that before sending your money off to do the heavy lifting, you’ll want to have an emergency savings account of about six months of living expenses stored in cash.

A smart place to keep it is in an FDIC-insured high-yield checking or savings account, where it can generate more value as it waits.

A typical savings account offers an interest rate around 0.01%, and a typical checking account is the digital equivalent of putting your money under the mattress. However, high-yield checking and saving offer interest rates that exceed 1% — 100 times what you’d get otherwise.

These accounts are usually available at online banks, which keep costs down by forgoing brick and mortar locations. NerdWallet provides comprehensive lists of high-yield checking and high-yield savings.


Choose credit cards with rewards you’ll actually use.

Using a credit card might not feel like putting your money to work, but choosing a card with rewards appropriate for your lifestyle (read: airline miles cards aren’t great for people uninterested in travel) means each dollar you spend on your cards is doing double duty.

“As a financial planner, we don’t like debt, but if you have the cash flow and predictability in your budget and you can pay off your bill every month, there are great credit cards out there,” says Gould. (See some of the best credit cards for every lifestyle.)

If you have credit card debt, this strategy isn’t for you — the key to making your money work with your cards is being able to pay off your bill in full every month.


Invest in real estate.

If recent history has taught us anything, it’s that housing isn’t a guaranteed investment. That said, if you have the available cash and risk tolerance, however, investing in residential or commercial real estate may be a possibility.

Investing in real estate is two-pronged: You could consider buying a single home to live in to be an investment, or you could invest beyond your home, into land to sell or stores or homes to rent. Branching out beyond your own home “depends on your market and the appetite for rental real estate,” Gould says. “In most markets, if you can handle the headaches and there’s room, it’s an option.”

But in the spirit of diversifying your assets, Gould says to bear in mind that many homeowners already find real estate to be the largest asset in their portfolio, and cautions would-be real estate investors to be wary of weighting their portfolios too heavily toward one kind of asset


Original Source:


How to Rock Your Day After a Bad Nights Sleep

There’s nothing worse than having a full busy day after a terrible night’s sleep. All you want to do is stay in bed and have a lazy day to catch up on the lost Zzz’s…Unfortunately that isn’t always an option. Next time you spend half the night tossing and turning remember these four strategies to help you rock your next day despite your bad night:

Avoid ups and downs.

Try to stay away from energy spikes caused by excessive caffeine, energy drinks, or sugary foods. Although consuming these might temporarily increase our energy, doing so inevitably triggers a rebound of sleepiness. Unless it’s essential, try to avoid going down for a nap. Napping will likely draw you into deeper stages of sleep, leaving you with sleep “drunkenness” and potentially disrupting your circadian rhythms. And avoid using alcohol to slow down before bed. It can interfere with the quality of our sleep and dreams.


Light up your day.



Get exposed to bright light for about 30 minutes as soon as possible after rising. Morning light energizes us and improves our mood by boosting serotonin levels. It also resets our circadian clock, contributing to better sleep in the future. Even on a cloudy day, it’s significantly brighter outdoors than in a well-lit room. If you can’t get out, brighten your indoor space as much as possible by allowing light through windows and turning on electric lights.


Follow your usual routine.

Get up and out of bed at your typical rising time and set your sights on adhering to a normal schedule. Prepare for your day as you usually do, get some gentle exercise, and have regular, healthful and light meals. A cup or two of green tea might be helpful. It has only one-fifth the caffeine of a cup of brewed coffee and also contains L-theanine, a naturally soothing compound. And make sure to stay hydrated.


Finishing your day.

Take time to wind down and relax in the evening. Eat a light dinner and stick to your regular bedtime. Of course, your chances of sleeping better the night after are improved because absence does, indeed, make the heart grow fonder. Let this heightened awareness of sleep’s value strengthen your resolve about systematically doing all you can to heal your sleep. Promise yourself that you will make healthy sleep a priority.



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Juicers: Here’s What to Do With the Leftover Pulp

You no longer have to feel guilty and wasteful for throwing away the leftover pulp after juicing! It’s always a shame seeing perfectly good nutrients get tossed in the trash, having no purpose… Good news is, you can clear your guilty conscience thanks to the CHOW Tip that provides 3 delicious ways to conserve the pulp after juicing:

[VIDEO]The Mystery of Dreams Explained By Scientific Theories

The mystery of dreams has lingered for centuries… Do they have meaning? What triggers them?  There are so many questions surrounding this topic. It’s uncertain if there will ever be definite answers to all these questions but there are strong scientific theories in the video below that can put your mind at ease for a few of the questions you may have:


[VIDEO]How Checking Your Smartphone Before Bed Damages Your Brain and Body

These days it’s almost habitual to check our smartphones before bed; catch up on social media, check emails one last time, double check our calendars for the next day or some have even resorted to watching Netflix in bed instead of traditional reading… While it all seems like a good idea in the moment, turns out we are damaging our bodies and brains in the process. Watch the video below to learn how detrimental it can be:  


4 Beneficial Ways To Invest Your End of Year Bonus

Around this time of year, it’s extremely easy to blow your end of year bonus on vacations, gifts for friends and family or that really nice watch you’ve had your eye on for a while… but you might want to reconsider those impulsive purchases and think about your future. Below are 4 other areas to invest your bonus in that you’ll thank yourself for later:

  1. Increase your 401(k) contribution.

You should already be contributing to your employer’s 401(k) retirement account and be taking full advantage of any available company match program if one is available, but if you get a bonus, that’s a great opportunity to increase that contribution.

The more you can set aside today, the better off you’ll be in the long run, thanks to the power of compound interest.

2. Start a 529 savings plan for your kid.

At many top colleges, the total cost for the academic year tops $60,000 and is only getting more expensive.

Time has a way of flying by, and before you know it, you’ll be responsible for a hefty tuition bill. Take your bonus and put it towards a 529 savings plan, a state-sponsored, tax-advantaged investment account that you can start when your child is born.

These plans allow a parent to contribute up to $14,000 a year — $28,000 for a couple — for each of their children’s college educations. It also allows anyone (a grandparent, godparent, or particularly generous neighbor) to contribute to the fund.

3. Pay off lingering debt.

If you have debt — whether it’s student loans, car loans, or credit card debt — a bonus can be a great way to start tackling it aggressively. Especially if the interest rate on your debt is high, you’ll want to pay it off as fast as possible, as interest can cost you thousands in the long run.

If you aren’t sure where to start, consider the advice from 13 real people who paid off thousands.


4. Start, or contribute more to, an emergency fund.

Not setting aside money in an emergency fund is a common (and costly) mistake — it’s easy to ignore the possibility of your car breaking down, a medical emergency, or losing your job, but these are all scenarios that could quickly become expensive realities.

Use your bonus create an emergency fund if you haven’t done so already.

The amount of savings you need is highly personal, so it isn’t usually measured in terms of dollars; rather, it’s months of living expenses that money could cover. A general rule is that it’s smart to have six months’ worth of savings tucked away, but you may need more or less depending on your situation.

Original Source:

What Americans Actually Spend Money On for Christmas

It’s easy to get caught up in the whirlwind of this Season’s festivities; work parties, gifts for all, decorations for the house, etc. and lose track of your spending, and a lot of times we look back on it all and wonder just where exactly our money even went?   


In a note to clients, a Macquarie Research team led by Laurent Vasilescu shared a chart showing the breakdown of holiday expenditures.

A November survey by Gallup found that US adults are planning on spending about $830 on average on Christmas gifts this year — a huge jump from last year’s $720 average.

Screen Shot 2015-12-11 at 2.01.24 PM



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