Helping You Define Your Lifestyle

Why Having a Clean Social Media Is Vital in 2017

The 2017 Global Digital Overview showed that, across the world, some 2.7 billion people actively use different social media channels. This figure has increased every year. Unsurprisingly, businesses, and recruiters in particular, now use social media channels, including LinkedIn and Facebook, to vet potential employees. Employers will enter an applicant’s name in Google as a form of background check. They even hire screening companies for complete online and social media background checks.

Where once reputation management was only about businesses, therefore, it is now just as much about individuals. Indeed, before someone applies for any job, they should check out how they appear online first. Simply googling yourself is all it takes to find out what is said about you online. Do so in an incognito window, so that you see exactly what others would see about you.

Private and Privacy Is not the Same Thing

When you start a new social media account, you must read the small print, even if nobody does. This is because the small print will tell you exactly which information about you can be shared. Also, you should not make the mistake of thinking that your profile will be set up as private automatically. In fact, the opposite is true. You need to make sure you change your settings to be as private as possible – including not allowing anybody to tag you in pictures without your explicit consent!

Furthermore, it shouldn’t only be about LinkedIn and Facebook. Instagram accounts, for instance, are open and your profile picture can be found on lots of different sites. Twitter is similar, particularly if you haven’t set your Tweets to private. And if you change those settings now, then all your past Tweets will still be public. Then, there is your Google+ profile, as well as your YouTube channel. If you have any strange subscriptions on that channel, it will reflect badly on you. There is Soundcloud and Foursquare, and even that old Myspace account is still around.

Understanding Privacy Settings

It is vital that you always stay up to date with the privacy settings on all channels that you use. They change regularly, which means that something that was initially private may now be public. You regularly have to make manual adjustments, particularly if you’re looking for a new job. Conduct an audit every few months, in other words, to make sure everything is still private.

But at the same time, you shouldn’t be too private. If an employer cannot find you online at all, it will be highly suspect. With 2.1 billion people being active social media users, only very few people (the very young, the very old, and the very remote) do not have an online presence. You would be wrong to assume that you don’t have an online reputation because you cannot be found online. Rather, you will instantly have a negative reputation because it will look as if you either have something to hide, or that you are not modern and aware of today’s technology.

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Effective Ways To Save For Your IRA

Retirement is a very important goal to save for. You need to make a call as to how to save your funds for retirement, whether it be in dedicated account like an IRA or in a 401K through your job or some combination. The potential for growth in compound interest is great, so that means that you need to be able to put as much money into them as possible.

Which is why you need a monthly budget and you need to stick to it. Budgets are great tools for keeping track of your monthly cash flow, income and investments. And once you get past the psychology of not being able to think about money, it can really help your spending habits. Because it provides a chance to prioritize what you value and what you need to spend money on.

First of all, pay yourself first. You need to have money in savings in order to invest in an IRA or some other account. So you need to be disciplined about saving money for yourself and your family. Bills, food, cars and entertainment all have their place, but paying yourself first needs to come first. And it is great to be able to automate it. When you create a regular transaction from your regular account to a savings account, that means it happens without thinking about it. You can also automate savings straight to your IRA.

Use multiple savings accounts. You need to have places to put money for emergencies, major purchases and regular expenditures. That way you always have a place to save your money.

How do you get that extra money? Look for a raise at work. You need to be able to talk to your boss about getting more money when you think you deserve it. It can be a hard conversation at first, but you can really increase your income the more you do it and the better you get at asking for raises. Keep an eye out for bonuses as well. If you budget correctly, found money like that can go straight into your IRA.

Then you need to look at your expenses. Do you need both a cleaning service and a landscaping service? Figure out which one you can live without and cut that one. How much do you spend on groceries each month? Where are ways you can cut that down? You can cut coupons out of the newspaper and figure out more economical ways of getting proper nutrition. Cheap protein, like eggs and beans are always a good solution.

Look at your local library. There are always great books there, but you can also find movies, TV shows and documentaries that you can borrow for free. That might provide a chance to break down your cable bill and allow you to cut the cord.

The ability to save for your IRA can be learned. You don’t have to be a natural saver. You can change your habits if you put the effort in. Learn how to cook more and learn where you can invest wisely to replace your job income with passive income. That will allow you to make more money, have more time and save for your IRA.

Kimberly Dey’s Top Tips to Staying Fit and Healthy

Everybody knows that we need to focus on getting and staying fit and healthy, but very few of us seem to actually be able to do it. The reality is that it is difficult. We live unhealthy lifestyles that are based on convenience and speed. If we want to become fit and healthy again, that means that we have to make some significant lifestyle changes, and that is hard to do. But the desire is clearly there. Kimberly Dey, for instance, has noticed that between $40 and $50 billion is spent on losing weight alone each and every year. The problem is that much of that money is spent on scams and products that promise the world but deliver nothing.

Kimberly Dey on Realistic Health and Fitness

Diet and lifestyle are the two key things that will determine how fit and healthy you are. It is said that there is an 80/20 rule, meaning that how you look is 80% down to what you eat and 20% down to what you do in the gym. This shows just how hugely important what you eat every day actually is. And one of the things we all seem to get way too much of as of late, is red meat. Red meat isn’t just steak (steak can be very healthy, actually). Rather, it is found in burgers and various other snack foods. It is high in fat and high in purine, leading not just to weight gain but also to gout. Your meats should be white, and they should be boiled, broiled, grilled, or baked. Additionally, the focus should be mainly on fruits and vegetables, leaving the high calorie dressings away.

Other types of lifestyle changes also have to be implemented, however. That 20% exercise is still an important 20%. Once you have reached your target weight, the percentage actually shifts a little bit, because you then start to work out to modify your shape. Either way, exercise is vital to a healthy, fit body. The great thing about exercise is that there are so man different options out there. For instance, you can go to a gym and lift weights, you can take an aerobics class and dance about for an hour, you can go swimming or cycling, and so on. Whatever you decide to do, however, you must start by warming up and finish by cooling down. Without it, you will produce excessive lactic acid, which causes pain the muscles and will make you give up. Similarly, doing the same thing over and over again gets very boring.

Last but not least, you have to be willing and ready to give up on your vices. Smoking is an absolute no-no, as it can lead to heart disease, arteriosclerosis, various other vascular conditions, and, of course, cancer. Similarly, you need to curb your alcohol consumption and never drink to excess. That said, some alcohol consumption is good, because it can lead to vasodilation, which helps to protect your heart. A healthy lifestyle doesn’t have to be completely boring, in other words.