You’ve probably been to stores that are selling wearable fitness technology such as the FitBit, Leaf or Garmin Vivosport. These gadgets must be worn throughout the day and night and they promise to track your sleep patterns and movement when you’re awake. This is said to be an effective way of tracking your activity and the amount of steps taken throughout the day, allowing you to have a better understanding of where you need to make changes and the type of lifestyle you’re living. Besides the high price tag attached to these gadgets, there is a lot of debate over whether or not they’re worth the price of admission.
For many people, wearable fitness tech is uncomfortable and bulky. You can tell someone is wearing a FitBit or Garmin Tracker from practically a mile away. Sleeping with one of these bracelets on is just as frustrating and a lot of users report that they have stopped wearing the bands to track their sleep because it was too annoying to have on all night. When it comes to the effectiveness of the gadget, the reports are inconclusive. Some people swear by their tracker’s recordings while others say the gadgets are off by thousands of steps and don’t accurately measure sleep patterns during the night.
Before investing in an expensive fitness tracker, do your research and understand that these products won’t do anything for you other than give you insight into your activity level. They won’t motivate you and they’re unlikely to deliver specific steps and times for the exercises you are doing. With technology continually changing and advancing over the years, fitness trackers are definitely improving, but it could be years before they provide faultless and comfortable tracking of your everyday movements. For now, you’d probably be better off tracking your own diet and exercise in a plain spiral notebook and you’d get the same information that a $200 tracker would provide to you. If you just have to buy one of these gadgets, read reviews and opt for a better quality machine that has little chance of being faulty in its readings.
The most popular music streaming service in the world is testing a new feature that hopes to attract audiophiles, a potentially lucrative segment that typically eschews Spotify due to its perceived low audio quality.
According to tech news website Android Headlines, Twitter updates suggest that Spotify may be ready to roll out a new subscription program that would include the option of streaming tracks with lossless audio quality. Another neat feature suggests that the streaming service is aiming towards serious audiophiles as it also offers a free vinyl record and discounts on retail purchases at hip music stores that carry music in the venerable vinyl format. What is not clear is not clear at this time is how much this upgrade will cost since some sources have reported it at $5 per month while others have hinted at $7.50 to $10 on a monthly basis.
News about the potential upgrade to high fidelity audio are being discussed at the same time Spotify has announced that it has reached a major milestone of 50 million subscribers. Should the high quality audio feature be included, the monthly price could jump to $15 or even $20.
Even if Spotify introduces lossless audio, the average subscriber may not be able to notice the difference unless he or she invests in quality headphones. Audiophiles will certainly welcome the feature since they happen to be very serious about the quality of the music they listen to. Since late 2016, audiophiles have been at odds with the Pono music service that was introduced by legendary rock musician Neil Young as a Kickstarter project.
While Pono is designed to be a very exclusive service for music lovers who really care about audio quality, users have complained about the MP3 player and the scant availability of music to download. At this point, Pono subscribers may be ready to jump ship to a music streaming service that truly understands them, and it looks like Spotify may be a reasonable option. Neil Young has previously stated that streaming audio is not conducive to a high fidelity experience, but he later changed his opinion.
The solar industry has been growing in the United States at a steady pace. Many will point to the presence of solar panels on various homes as a sign of growth. To a degree, this is true. The more solar panels installed in homes, the more customers the solar industry is reaching. True growth, however, is measured by profits. A boost in solar panels on neighborhood homes might not necessarily indicate profits are booming. The news that the US solar industry has experienced a 25% growth level in employment definitely hints strong profits are flowing in.
The total number of the jobs added is in the range of 260,000. No industry adds that many jobs unless demand for products and services are huge. An industry has to remain solvent, which means hiring must be done prudently. Such job hiring stats show solar — for now — seems to be doing well.
Is solar in a bubble though?
Such a question is not asked out of a sense of cynicism. Any examination of a successful industry should come with concerns over whether or not growth has long-term potential or not. Many may be interested in solar energy because it is new. Will the interest remain in five years?
The answer depends on how successful the solar industry is in delivering on all promises. If those who invest in solar panels report they have saved money on energy expenses, more are likely to follow their lead. That means more customers end up with a positive attitude towards purchasing new solar panels.
Employment opportunities may continue to be strong as long as the industry is healthy. The auto industry is a perfect example of this. During the glory days of the 1950’s and 1960’s, the auto industry of Detroit became the source of fantastic jobs and income streams for those interested in working in car production. Things did change over time as no industry is expected to remain perfectly healthy and stable year after year.
For now, the health of the solar energy industry seems to be on good footing. Barring any major changes in the industry, this solid growth level should remain consistent for the near future.
Kabbalah is something that no student can go into half-heartedly. You get out what you put into it. There are two types of students at the Kabbalah Center in Los Angeles. There are those who only study on a short-term basis. These are the people who come in and learn a few things and then leave. The other kind is part of the 99%. These are the students who get it and want to work to improve their lives.
There are 5 basic principles being taught at the center. In order to fully embrace these principles, you do need to be part of the 99%.
The first principle involves The upper force and our ego. We are right now living through our egotistical personality. The upper force of the universe involves who we truly are. It is our job to transform our egos until we are one with the upper world.
The second principle involves identifying our destructive natures. It is up to use to identify and get rid of our ego. This way we can truly be the person we are meant to be. The third principle involves correcting what needs to be corrected inside our souls. We were at one time all one. Our souls were shattered into a million pieces. It is up to us to identify the parts that need correcting, this way our souls can become one and unify once more.
The fourth and fifth principles involve choosing the path of creation. Choosing something that is beyond what this physical world has to offer and not being bound by our egos.
The Kabbalah Center in Los Angeles teaches that some souls take a long time to reach this more unified and evolved state. Others can come to it rather quickly. It all depends on how soon you identify what needs to be corrected. It also depends on how long you intend to let your ego control you. The ego is not really who we are. It is who we have chosen to be in our society, due to societal demands and pressure. There is a difference.
At some points, you have to ask yourself, “Am I walking the dog, or is the dog walking me?”
Snap, the parent company of Snapchat, made a big bang as it hit the market on Thursday. During the initial public offering on Wednesday, the company’s shares were valued at $17. On Thursday morning, the stock opened at $24. That marks over a 40% increase.
That remarkable rise can be significant for any level of stockholder. When you consider that the company’s CEO, Evan Spiegel, sold 16 million shares on opening day, the profits begin to grow exponentially.
The money that Spiegel made in one day came to a grand total of $272 million. Snap’s Chief Technology Officer, Bobby Murphy, also made the same staggering amount of profit.
Spiegel is just 26 years old. He attended Stanford University before dropping out to focus all of his time on building Snapchat. In 2013, he was offered $3 billion by Facebook for his budding company, but he turned down the offer. In remarks that he’s shared publicly, he knew that he was building something important and wanted to continue leading the company towards the future
He is certainly well on his way to becoming one of the most successful tech CEOs. He still has over 200 million shares in Snap, which amounts to over $5 billion.
Snap has branched into many areas since being founded in 2011. Snapchat is one of the most popular messaging apps on the market, and the other components of Snap include Spectales and Bitmoji. The Spectacles product is a wearable pair of smart glasses that have a camera incorporated in them. Users can link the images that they record to their smart devices, giving them a new way to connect with social media. Bitmoji is a product of Bitstrips, a company that Snap acquired in 2016. The app allows people to create their own cartoon versions of themselves which can be used as emojis.
As if Google wasn’t already buying out startup after startup to add to its empire, they may now be acquiring the hashtag giant of them all, Twitter. According to The Verge, rumors are now circulating that the second-largest social media platform may now be putting itself up for sale to the highest bidder, a move that investors are now watching closely, and such that Twitter’s stock rose 23% after the rumors started. Google isn’t the only company interested in Twitter, as Salesforce and now even Verizon are also interested parties. All of this is coming on the heels of former head of TV, Andrew Adashek leaving the company.
Twitter appears to be in the midst of a transition period as the growth of new users and new streams of revenue have bottomed out. Twitter has attempted to garner new interest with its new feature for streaming Thursday Night NFL games, and presidential candidate Donald Trump always brings Twitter publicity when he makes a public statement on there. But even though Twitter founder Jack Dorsey also returned as CEO to try to resurrect his social media creation, it has not happened yet and now the clock may be ticking on the company. While Google, Salesforce, and Verizon are all in the mix of sales talk, nothing concrete has been established as far as mergers and acquisitions as of yet.
What could Google, Salesforce, or Verizon stand to gain from buying twitter? The network offers a wealth of user data that all of them would love to add to their vaults. More so, Google has had an existing relationship with Twitter that’s allowed both sides to profit from using Tweets in search engine rankings. And considering that Google Plus has failed to match Facebook on every level, Google may see Twitter as its opportunity to change that. Will such a move grow or thwart interest in using Twitter? It’s hard to say, but it appears to be inevitable if users wish to continue seeing their celebrities tweet.
David Giertz has been the senior president of sales and distribution at Nationwide Financial since April 2013. Before he worked for Nationwide Financial, he was the vice president of sales at FI/WH since 2009 and the vice president of NF sales since 2009. His primary role at Nationwide Financial is overseeing life insurance and mutual funds through banks.
David Giertz has been working in the insurance and finance industry for over 30 years now. Giertz is listed as a registered broker at FINRA. David graduated with a Master’s degree in Business Administration from the University of Miami. He is also on Millikin University’s board of trustees.
Interview on social security
A little while back, David Giertz spoke with Veronica Dagher about the issue of social security and retirement planning. David said that most financial advisers opt against speaking with clients about social security since it is a complex issue. This, according to Giertz at https://soundcloud.com/davidgiertz, is a tremendous mistake.
A survey conducted by Nationwide Financial showed that financial advisers do not speak to their clients about social security. The same study on Instagram indicated that about four-fifths of people would consider letting go of their advisers if they did not talk about social security.
A book that illustrates the complexity of the social security issue is the Social Security Handbook which has 2700 rules. From a retention perspective, financial advisers need to talk to their customers about social security.
Social security is a big issue in retirement planning since it could account for two-fifths of your income. Another crucial thing on the social security matter is timing. People who start too early risk losing many thousands of dollars over the course of their retirement period. For an optimal retirement plan, speaking to your adviser about your social security is paramount.
Miami Beach is a small city in the county of Miami-Dade, State of Florida. Historically, the city is well known for its strategic position with respect to the ocean. The population in the sunny city has been increasing rapidly in the recent past, with tourists flocking the city’s sandy beaches and others relocating to live there. An increase in population translates to a housing and accommodation headache. Now that is where the real estate developers come in. Real estate investors are increasingly investing in Miami, building commercial & residential apartments, gated homes, and hotels.
Upcoming Projects In Miami
In December last year, Miami’s Urban Development Review Board approved the construction of a condominium along 708 NE 26th Street. The 13-story condo is a project by Developer One World Miami Realty LLC and is expected to have more than 30 residential units from the second floor. The ground floor, with a floor space of 800 Sq. ft. will be reserved for commercial purposes. The first four floors are designed to provide close to 50 parking slots.
A mega project in Little Haiti is in the offing this year. The project by East Ridge LLC will occupy a 22 acres piece of land along 5045 NE Second Avenue. Once approved by the Urban Development Review Board, the project will incorporate a train station, stores, offices, and close to three thousand residential houses.
Along the South Miami Avenue, a 950-foot tower is expected to be developed later this year by the City Center Properties LLC. The tower will have several stores covering 60,000 square feet and close to 400 luxury condos on the upper floors. The tower will be called 18.
Samuel Strauch is also the president of the Affinity International Realty firm in Miami Beach. Samuel specializes in representing buyers in real estate transactions. He also represents sellers in one out of four transactions.
The Dherbs Full Body Cleanse found on Dherbs.com is a 20 day program that can powerfully detox the body of unwanted toxins and chemicals that accumulate through the consumption of processed food, environmental factors, use of cosmetic products and more. This cleanse has been featured on the Steve Harvey show and was used by Sheryl Underwood, one of the hosts on CBS’ daytime talk show The Talk.
Underwood appeared on Steve Harvey’s radio morning show to share her experience. With an energetic, enthusiastic tone Sheryl explains that she started the Dherbs program on a Sunday and had already managed to drop 5 whole pounds. She stated that she had been consistently drinking water and even hired a personal trainer to assist her further with her weight loss efforts. Sheryl had also been performing spiritual activities such as prayer and meditation with her cleanse. Being a comedian, she jokingly referred to the program as “Da Herbs”.
Sheryl Underwood is not the only individual to have such great success with the Dherbs program. Back in 2016 a pastor by the name of Hosea Collins managed to drop a whopping 130 pounds on the cleanse in order to lose enough weight to undergo a kidney transplant to save his beloved wife’s life. The pastor had undergone the program 6 times to achieve his success!
Rickey Smiley Morning Show said that the cleanse can be purchased directly from Dherbs.com. The program can be used by anyone wanting to rejuvenate their health and press the restart button on their bodies. Weight loss is not the only benefit. After the completing the cleanse you will experience an increase in energy, reduced sugar cravings, clearer skin, increased libido and blood circulation. It also improves mental clarity and can give you a more positive outlook on life in general. The cleanse can simply be done with a modified diet that the Dherbs instruction booklet provides with the kit.
Tammy started out as a real estate secretary, then as a manager of properties where she got her real estate license in 1995. She went full-time as an agent in 1999 when she saw the economic opportunity of jumping into sales.
The early days were difficult until she learned more about the business and marketing side of the equation, but she caught on quickly and began to learn her craft. For example, in the beginning, she found it difficult to speak to people about their finances, for the purpose of qualifying them. An associate loaned her some scripts which she suggested to Tammy that the be read out loud until she was comfortable with speaking them.
When asked how she motivated herself, Tammy replied that she is self-motivated by her habit of setting tangible goals. The goals are main tasks that must be performed to get in front of home buyers and show them houses. Once a goal is established, Tammy likes to break them down into actionable steps which can be accomplished more easily than trying to tackle the entire goal at once.
Another piece of advice that has helped her a lot is: “Don’t take yourself too seriously do live without fear of failure, and don’t settle.” People who take themselves too seriously are brittle, and they might break when times get tough. Fear of failure will keep people dead in their tracks, and they won’t start anything. Don’t settle for mediocracy.