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Thursday, 2 March 2017

SLEEP 7 Ways Science Proves Early to Bed and Early to Rise Really Works




CONTRIBUTORYou’re probably familiar with Ben Franklin’s old saying “Early to bed, and early to rise makes a man healthy, wealthy and wise.” It’s actually true.
I know. I’m not a morning person either, but I’ve found that by going to bed earlier, I actually can wake up first thing in the A.M. That has made me more productive, and dare I say more successful. But, that’s not just me.
Here’s the science to back-up the words of advice from Ben Franklin.

1. Helps you better deal with negativity.

Unhappily, a study in 2014 determined that people who go to bed later are more likely to be overwhelmed with repetitive negative thoughts. As an entrepreneur, I can vouch for that statement. I can’t count how many nights of sleep I’ve lost worrying about a team member, problem-solving how to secure more funding or wondering if maybe it's time to close-up shop.
But while sleep disruption leads to more pessimistic thoughts, a good night’s rest helps you deal with problems and improves problem-solving. Developing a pattern that allows you to sleep a full 6-9 hours each night helps you handle any negativity that’s being thrown your way.

2. Enhances your chances of success.

According to Christopher Randler, a biology professor at the University of Education in Heidelberg, Germany, “When it comes to business success, morning people hold the important cards. My earlier research showed that they tend to get better grades in school, which get them into better colleges, which then lead to better job opportunities. Morning people also anticipate problems and try to minimize them.” Randler added, “ They’re proactive. Many studies have linked this trait, proactivity, with better job performance, greater career success, and higher wages.”
“Though evening people do have some advantages -- other studies reveal they tend to be smarter and more creative than morning types, have a better sense of humor, and are more outgoing -- they’re out of sync with the typical corporate schedule.”
Furthermore, a good night’s rest can make you more productive since it assists with improving your concentration, memory, and solving complex problems.

3. Morning people are more persistent, cooperative, agreeable, conscientious, and proactive.

Randler’s work listed above already determined that larks are more active than night owls, but his research also discovered that early-risers tended to be more persistent, cooperative, agreeable, and conscientious. These are all positive traits that leaders and successful possess since they make them more likable, disciplined, appreciative, and eager to learn.

4. Sleep keeps you healthy.

If you’re a freelancer, small business owner and a parent, like so many of us are, you can’t afford to get sick. Luckily, that’s something that getting enough shuteye and waking up early can help you with.
For starters, research has found that getting plenty of sleep strengthens your immune system -- which is an excellent preventive against whatever nasty bugs are going around.
Secondly, getting enough rest keeps you energized enough so that you can exercise -- besides waking up earlier gives you the time to squeeze in a workout before you get distracted. And, when you sleep-in, you tend to skip breakfast, which means when you do get hungry you’re going to crave unhealthier options.

5. Reduces stress and makes your happier.

Here’s two scenarios.
You have to be out of the door by 8 a.m., and you sleep-in until 7:30 a.m. You’re rushing to take a shower, brush your teeth, grab something to eat and make sure that you have everything you need for the rest of the day.
If you woke up at 6 a.m. that gives you two hours to not only get ready, but also catch-up on emails, the news, or work on a pet project. Most importantly, it makes your mornings less stressful, which in turn, will make your days less stressful.
The first hour or so of your morning sets the tone for the rest of your day. A study conducted by Dr. Joerg Huber of Roehampton University in London found that "Morning people tend to be healthier and happier as well as having lower body mass indexes."

6. You procrastinate less.

A 2008 study found that early risers didn’t procrastinate as much as people who stayed up later. This statement shouldn’t come as a surprise since they’re proactive and have more quiet time in the morning to complete tasks. When you aren’t waiting until the last minute, you reduce your stress and can fall asleep worry-free.

7. Sleep makes you look better.

There was an interesting study from the University of Stockholm that found that those who appeared tired are also more likely to be perceived as unhealthy and less attractive. That’s not necessarily the end of the world, but when you’re trying to make a solid first impression on the opposite sex, potential client, or prospective investor, you want to look as good as you possibly can.

You can make the switch to morning person.

If you’re not a morning person or you are having a difficult time trying or staying to fall asleep, here are a couple of pointers to help you sleep better at night:
Take baby steps. Start slowly by waking up earlier than you normally do, like 15 minutes for the first week, 20 minutes the following week, and so forth until you reach your goal time.
Create and stick to a sleep schedule. Even if you don’t fall asleep right away, at least make it a habit to start getting into bed at a set time every night, such as by 9 p.m.
Stay away from bright lights. Electronics, such as your TV and smartphone, produce light that stimulates your brain. Instead of watching Netflix, read for an hour.
Follow the circadian rhythm. This is your body’s clock telling you when to sleep and when to wake-up. Since it’s a part of nature, try camping for a couple of days to get back on-track.
Set the mood. The ideal sleeping condition is pitch black and a temperature between 60 and 67 degrees.
Avoid alcohol and eating before bed. Both of these prevent you from getting a good night’s sleep.
Exercise. This makes you tired enough so that you’ll sleep straight through the night.
 Are you an early riser or late sleeper? What benefits do you find when you fall asleep early?

Trans-black woman gets an official Igbo name

Remember Rachel Dolezal, the white woman who lived as a black woman for years?

In 2015 exposed Dolezal was exposed as a white woman who had been posing as a black woman for years.
The 39-year-old woman has gotten an Igbo name after going through a rough patch of unemployment. Her name is now Nkechi Amare Diallo. She changed her name back in October 2016.
Rachel Dolezal announces she is writing a book on raceplay
Rachel Dolezal announces she is writing a book on race

Rachel Dolezal or Nkechi Amare Diallo changed her name to get some attention after she tried to get a job since the controversy.
She has applied for over 100 jobs with no luck. No one wants to hire her because of her reputation. Providing for her three kids has been difficult. Dolezal is on the brink of being homeless. Her friend helped pay her two months rent.
Rachel Dolezal announces she is writing a book on raceplay
Rachel Dolezal announces she is writing a book on race

In 2016, Rachel Dolezal announced she was writing a book. 
Dolezal told NBC that the book, is about “this larger issue of if you don’t fit into one box and if you don’t stay there your whole life, being identified from birth as who you are – what does that look like? Race didn’t create racism, but racism created race."
.Rachel Dolezal came clean on National TVplay
Rachel Dolezal came clean on National TV
 (Mirror UK)

She also expressed her excitement to write the book, and to "really get into addressing some of the issues that I’ve researched for many years," and hopes to get back into teaching.
Dolezal identified as a black woman and was president of the National Association for the Advancement of Colored People (NAACP) chapter in Spokane, Washington until her estranged biological parents revealed last year that her heritage is white

45 Serving & Past Presidents Across The Globe To Grace OBJ’s 80th Birthday


by Timmy Campbell 5

At least 45 serving and past presidents across the globe are expected to grace the 80th birthday ceremony of former President of Nigeria, Olusegun Obasanjo, an official has said.
The Chairman, Publicity and Media Sub-committee of ‘Obasanjo at 80’, Dayo Adeneye, stated this on Wednesday while speaking with journalists.
Mr. Adeneye, who is the Ogun State Commissioner for Information and Strategy, said the high point of the ceremony will include the commissioning of the multi-billion naira Presidential Library and Mosque.
He said the world leaders would witness the opening of the two major projects in Abeokuta.
He described Mr. Obasanjo as a worthy and exemplary leader worthy of emulation
Mr. Adeneye described the celebrant as the architect of modern Nigeria.
He said the grand opening of the Olusegun Obasanjo Presidential Library (OOPL) attested to the popularity and honour bestowed on him as one who has continue to contribute to the development of the nation and humanity.
“Obasanjo is a worthy and exemplary leader, who, most leaders in the world, are emulating his leadership skills. Let me say that no fewer than 45 serving and past presidents and 700 important personalities in the world would attend the grand opening of OOPL this weekend,” he stated.
“The library is first of its kind in Nigeria and has over 42 million knowledgeable materials, books and documents, including Obasanjo’s primary school uniform, shoe, military cap and uniform, first car (Volkswagen) and other personal things”, he added.
He said despite the fact that the former president was no more in government, he still relates with present and past leaders in Nigeria and other countries, due to his vast experience in government.
‎
Speaking in the same vein, Peter Okebukola, Chairman, Obasanjo at 80 Celebration Committee, described the former president as an epitome of knowledge, who has used his wealth of experience in government and agriculture to transform his country and others.
Mr. Okebukola said the history of Nigeria would be incomplete without mentioning Mr. Obasanjo.

Wednesday, 1 March 2017

Eight questions to ask before opening a bank account

Image result for bankMany people have opened bank accounts without knowing the rules guiding the operation of such accounts, whether it is current, savings, fixed deposit or other types of specialised bank accounts.
The missing link is that the prospective bank customer fails to ask the type of account it is and the rules guiding such type of account.
What looks on paper like a no-fee or low-cost account may not actually be the one that’s best suited to your needs.
According to www.americasaves.com, there are eight questions to ask to help figure out if your account is right for you.
Whatever bank you choose, make sure to ask these questions about their current and savings accounts:
  1. Is there a minimum balance requirement to avoid a monthly fee? If so, what is it?
Some banks charge monthly fees to maintain your account. In many cases, though, they waive those fees based on certain conditions, such as regular paycheque direct deposits. Some banks require you to pay a fee if you don’t maintain a minimum or average balance in your account, though those fees also may be waived based on certain conditions.
  1. How soon is my money available after I deposit it?
Some banks can put holds on large and sometimes even small deposits. It is important to know this. Some bank customers have accused their banks of holding on to their money unnecessarily.
  1. How large is the ATM network?
The Automated Teller Machines allow you to withdraw money from your savings and current accounts without visiting a bank branch. This saves time and offers comfort. But some withdrawals can be at a cost to you.
  1. Is there a branch nearby?
Unless you don’t mind doing all your banking online or over the phone, you may want to consider a bank with a branch close to your work or home. It may be worth spending some time on the bank’s website to figure out what transactions will require you to visit a branch.
  1. Can I access my account information online?
You may be able to check balances, transfer money, receive statements and pay bills online. If you don’t have easy access to a branch, online banking can be very valuable.
  1. Is mobile banking available?
Some banks have mobile apps for convenient banking on the go. You may want to consult reviews of your bank’s app to see what specific services are offered, since they can vary.
  1. Will it cost me to transfer money?
Many banks don’t charge you or charge moderately to pay bills directly from your current account. If you’re transferring money to another person, banks generally won’t charge you if that person also has an account with the bank. However, if you’re transferring or wiring money outside the bank, the cost may differ from one bank to another
  1. Does the account pay me interest?
Generally, if current accounts pay interest, the rate is very low. High-yield current accounts offer higher interests, but typically require higher balances. Savings accounts offer higher rates, but because the accounts are intended for saving, they’re subject to different rules.
Other things to note
Pay special attention to any fine print on any document that you sign. Very often, we ignore the fine print, which is where much of the information about fees is located; so, don’t ignore it.
source:PUNCH.

NEWS Barack, Michelle Obama sign $60m bumper book deal







Barack and Michelle Obama have signed a deal to publish their memoirs with New York-based Penguin Random House, in a coveted contract reportedly worth tens of millions of dollars.
America’s first African American president is already the author of two memoirs and a children’s book.
He has frequently declared himself to have a “writer’s sensibility” and has said he does not want to write a conventional blow-by-blow account of his time in the White House.
Michelle Obama’s memoir is likely 
to be just as eagerly anticipated.
A descendant of slaves, she became
 the first 
African American first lady and 
garnered high 
approval ratings — to the point 
where she was 
arguably one of the country’s most respected and 
popular women.
Penguin Random House said in a statement it has “acquired world 
publication rights
 for two books, to be written by president and Mrs Obama respectively.”

– Record sum –

The terms of the deal were not disclosed, but bidding for the high-profile 
double book deal topped $60 million, a record sum for US presidential
 memoirs, according to the Financial Times.
Until now, the record for a US presidential memoir was $15 million
 paid for Bill Clinton’s “My Life,” released in 2004. George W. Bush
 received $10 million for “Decision Points” in 2010.
Hillary Clinton reportedly received a $14 million advance for “Hard 
Choices,” her account of her time as secretary of state under Obama.
The Obama deal was negotiated by Washington super-lawyer Robert
 Barnett, who represented both the Clintons and Bush.
As part of the agreement, the company will donate one million books
 in the Obama family’s name to First Book, a charity, Penguin said.
“We are very much looking forward to working together with President
 and Mrs Obama to make each of their books global publishing events of 
unprecedented scope and significance,” said Penguin Random House CEO
 Markus Dohle.
The Obamas took a long vacation after Donald Trump was sworn in 
as president on January 20, and the former president has stuck by a 
pledge to keep a low public profile unless events threatening what 
he called America’s “core values” warranted that he speak out.
He did just that in January, just days after Trump enacted his ban on 
travelers from seven mostly Muslim countries, and on all refugees. 
Obama expressed support for protests that sprang up nationwide
 against the now-suspended Trump travel ban.
Whereas US presidents tend to leave town after leaving the White House,
 the Obamas are settling into a rented mansion in Washington’s posh
 Kalorama district until their younger daughter Sasha finishes high school.
 Their eldest daughter Malia will be attending Harvard in the fall.
Another new neighbor in Kalorama is Trump’s daughter Ivanka, who 
has rented a house along with her husband Jared Kushner and their
 three children, near the Obamas.
AFP

Is It a Hobby or a Business? 5 Things You Need to Know to Monetize Your Hobby.

Is It a Hobby or a Business? 5 Things You Need to Know to Monetize Your Hobby.JEFFREY HAYZLETT

Those of us who actually are entrepreneurs are always thinking outside the box, pushing boundaries and looking for ways to solve a pain point for our customers.
Others rebel against the corporate environment, and some are pushed toward entrepreneurship by circumstances.
The economic downturn of 2008 was one of those big circumstances -- a big one. The recession pushed many professionals, young and old, to find alternative ways of employment when jobs were in high demand, but short supply.
Many became freelancers -- entrepreneurs in their own right, which in turn gave them the opportunity to pursue their passion outside the corporate bubble. What resulted was the rise of the “freelancer economy,” which today accounts for 55 million freelancers -- up from 53 million in 2014, according to a Freelancers Union survey. Currently, freelancers make up 35 percent of U.S. workers and collectively earn $1 trillion.
The younger, 18-to-24-year-old, segment of those workers are more likely to freelance than are their baby boomer elders. And pursuing what was a hobby as a job is something both generations have long done and continue to do successfully. However, they should proceed with caution, because like any other business endeavor, there are legal issues to be aware of, one in particular being the "tax man." 
In fact, your tax liability will be affected depending on whether your work is classified as a hobby or (as the IRS classifies it) an actual business.
So, how do you know if it’s a hobby or a business? That’s something you need to answer objectively, to avoid headaches down the road. Here are some checks and balances to help you determine that:
  • If it’s a hobby, all income is reported, but deductions are limited to the income taken in. Deductions may be claimed only as miscellaneous itemized deductions, and only the amount in excess of 2 percent of your adjusted gross income (AGI) may be claimed.
  • If it’s a business, all income is reported, but a number of expenses may be offset. If you are profitable, you are able to shelter income and put some money aside for an emergency fund, retirement, etc.
As we near tax season, it’s important to know that any income from any activity is reportable and taxable. And, even if it’s a hobby, you need to run your business like a business and pay close attention to your profits and losses.
According to Liberty Tax Service’s Brian Ashcraft, “If you take a loss on a business for more than three years, the IRS considers it a hobby, and it is not eligible for preferential tax treatment. The IRS assumes that if an activity isn’t profitable for at least three of the prior five tax years, including the current year, then losses from that so-called business cannot be used to offset other income.”
Knowing which tax pitfalls to avoid is key for any business. So, whether you’re a millennial looking to start a business or a retiree trying to boost your income, here are five ways to help you monetize your hobby.

1. Pick the right hobby.

If you’re serious about monetizing your hobby, make sure you’ve picked the right one. Personally, my hobbies involve eating bacon, hunting pheasant and clearing brush -- fun for me, but not very profitable endeavors. I tried my hand at a pheasant farming business, and it failed spectacularly. Not because there wasn’t a market for it -- I’m from South Dakota, so yes, there is a market -- but because the birds drowned in a rainstorm.
If, unlike me, you have more mainstream hobbies like photography, music, writing or crafts that are easier to monetize, you might be onto something. If you’re a photography buff, for example, you could sell your pictures on a number of websites, like Shutterstock, or join a community like Kodak Winning Fotos. That company's CEO, David Young, told me, “Turning a hobby into a business requires critical insight into your passion. I think we're naturally reluctant to question passion, usually for fear of diminishing or tainting the high we feel without thinking.
"Don't be afraid to explore the root drivers of your enjoyment. It's essential for transforming a hobby into a successful business.”
Meanwhile, if you’re a crafty entrepreneur, you could sell your wares at sites like Etsy or CafĂ© Press. If you’re a musician, you could start a business teaching neighborhood kids to play the guitar or the piano, or launch an afterschool program teaching music to underprivileged kids.

2. Start small.

It’s great to dream big and have lofty goals, but idealism without a dose of realism doesn’t work all that well. Apple started in a garage, so don’t think you need a fancy operation in order to be profitable. Also, remember that if this is your hobby, you don’t have to immediately turn it into a full-time job.
Dream big, but start small. Freelance a few hours a week; see how the demands of your hobby align with the realities of the industry. If your hobby, and all its demands, is still enjoyable after you’ve done it for a while, that’s a clear signal to start growing your hobby into a business.

3. Make marketing a priority.

People think about marketing as something for "down the road" or "when we’re more established," but you need to start your marketing on day one. Heck, I would say have a marketing plan before you start. A marketing plan should be part of your overall strategy. If you have a sound marketing strategy prior to launching, a plan further helps build a little suspense and anticipation.
Getting the word out about your new business is key, if you intend to make any money. You need to leverage every contact -- every client, acquaintance, friend, family member, co-worker, teacher, mentor, etc. Some might even hire you and help you spread the word. This could turn into referrals, and next thing you know, you might have people looking to hire you.
Word of mouth is probably the oldest way to advertise, and still one of the most effective.

4. Treat it like a business.

Just because it’s a hobby doesn’t mean you don’t treat your work like a business. It’s okay to have fun and love what you’re doing, but if you’re not going to be serious about it, you may as well quit pretending. I love what I do so much that I would do it for free if I could; however, I also take seriously my conditions of satisfaction, one of them being, “Make money.”
One way to keep yourself in check is to establish the number of hours you’re dedicating to turning your hobby into a business. Stick to that schedule, at least at the beginning. If you start slacking and cutting corners, that’s a bad way to start. If you’re going to break the rules, you have to know what the rules are, first.

5. Branch out.

If you have a hobby that you could branch out on, consider that option. For example, a photographer can always do more than take photos and sell them. A photographer can establish himself or herself as a thought leader by promoting personal skills and knowledge or giving lessons. If you’re an artist, there’s more for you out there than selling your paintings or playing your music. So, teach others; mentor; teach the business behind your hobby.
I am a marketer by trade, but I have also been in business for a long time and have learned many lessons that I like to impart to others. As a National Speakers Association Hall of Fame member, I do a number of keynote speeches around the country, teaching others the business side of things. I practice what I preach. I live by the adage, “Adapt, change or die.”
There’s more than one way to do things and the more avenues you can pursue to monetize your hobby, the more successful you’ll be.
What hobby would you turn into a business?