Category: jfojav

  • Redefining Saving and Your Relationship with Money with a No-Spend Challenge

    first_imgBy Carol ChurchSaving more money, decreasing debt, and establishing an emergency fund are all basic “money goals” that financial counselors work hard to help clients meet. Sometimes, however, we may all get a little “stuck” or bored using the same familiar methods—experts and clients alike! At times like these, it can be a great idea to shake things up a little bit and try something like a 30-day “No-Spend” Challenge.What is a No-Spend Challenge? Part of the strength of this idea is that you can set your own rules and define it in many different ways. However, the basic idea is to dramatically cut back or eliminate all spending on non-essentials for a set period of time. Typically, this is 30 days, but some people start off small with a week– or even smaller than that, with a weekend.What Does It Really Mean Not To Spend?Most of us will have fixed costs that can’t be eliminated, such as rent or a mortgage, food, basic household needs (like toilet paper!), gas, pet food, and utility bills. (However, some people in the military, especially if they’re single, may actually be able to cross a couple of these off their lists! Great start!) And of course, if a true emergency comes up, such as a medical bill or house repair, that’s okay.As for the rest, it’s really up to the individual to decide what to eliminate, although you’re obviously not going to get too far if the only spending you cut out is “buying alpaca sweaters.” Typically, eating out, buying clothes, books, or gifts, going to the movies or for drinks, picking up toys for the kids, spending on crafts, hobbies, or gaming, and general non-essential shopping are a no-go during a no-spend month.Some people choose to go further and dramatically cut food costs by eating out of the pantry as much as possible and eliminating common but non-necessary groceries, like coffee or prepackaged snacks. Or they might try to avoid filling up the car with gas. Some take this time to use up all those travel-size items and samples. These decisions are individual.How Do We Do It?Set goals firstIf you’re going to set out on a challenge like this, make sure you decide on a reason for doing it. Is it to build up that emergency fund? To pay down the credit card bill? To save for an upcoming trip? Visualize your goals and plans. And it may sound cheesy, but try putting up some pictures or written reminders around the house of why you’re doing this!Track your savingsBefore you start the month, make sure you have a ballpark idea as to how much you typically spend on the items you plan to cut out in a month and a way to track your spending week by week. That way you can track you much you’re saving, and put it away where it’s supposed to go!Plan for how to manageThings are going to get tough sometimes over the course of the month. What’s going to tempt you? Is it take-out? Going out on Friday night? Whatever it might be, figure out your game plan. Check your local papers and Facebook and websites for free events you can attend. Find out what movies you can rent for free at the library. Plan some particularly tasty meals. Make plans with friends to do something free, and ask for their support.Don’t freak out if you slip upSo it was your boss’s birthday and you had no choice but to go out for lunch. It’s okay. Don’t give up. Forgive yourself for the lapse and move ahead….there’s still plenty of saving to be done!Reap the rewardsOf course, a no-spend challenge has the obvious reward of keeping more money in a family’s wallet and bank account. But this is just the tip of the iceberg. If that money is used to pay off debt or to start an emergency fund, it can do much more, preventing families from paying expensive interest charges or from damaging their credit.It can also bring awareness to small but expensive habits, like eating lunch out or getting manicures, that hurt your financial bottom line. Once you stop spending on these items, you may find you don’t miss them as much as you thought you did, and can cut back.You may also discover fun new free activities and pastimes that you’ll keep up in your “regular” life after the spending challenge is over.Most importantly, if there’s a spending problem happening, a no-spend challenge can help redefine your relationship with money and remind you that you don’t need to spend money to have fun, enjoy time with your loved ones, or feel happy.Some worry that after the challenge is over, they’ll “make up for” their economizing with a spending spree. Most report that this doesn’t happen, though, and instead say they gained a lot from the experience—both financially and on a broader level, too. A no-spend challenge of any type or length may be a great tool to help families save and redefine their relationship with spending. References:Centsibly rich. (2016). How to get ready for a no spend month challenge.Tretina, K. (2016). Make January a No-Spend Month and Save Hundreds in 2017.Perez, K. (2016). 4 Steps for a Successful No-Spend Challenge.Davis, L. (2015). Savings challenge: Try a no-spend month.last_img read more

  • Add a Dash of the DASH Diet into Your Daily Eating!

    first_imgDietary Approaches to Stop Hypertension (DASH diet) was developed in conjunction with the National Institutes of Health (NIH) as a dietary treatment to reduce high blood pressure. Similar to a Mediterranean eating pattern, the DASH diet emphasizes whole grains, fruits, vegetables, low-fat dairy products, lean proteins, and a limited intake of saturated fats and sugar.1 This eating pattern provides key nutrients for blood pressure reduction: calcium, potassium, and magnesium.1 Along with the consumption of nutrient-dense foods, the DASH diet emphasizes a reduction in sodium and saturated fats.1Why Use the DASH Diet?Blood pressure reduction is the most well-known outcome of following the DASH diet, specifically the low-sodium version.2 Americans eat large amounts of sodium (3600 mg daily is the average), as it is found in packaged foods, fast foods, restaurant meals, and is naturally contained in several foods.3 A high sodium diet leads to increased blood pressure because salt disturbs the water balance in our kidneys leading to a larger blood volume which stresses our cardiovascular system. On the DASH diet, it is ideal to consume less than 1 teaspoon of table salt (2300 mg sodium) daily for the Standard DASH Diet, or one-half teaspoon (1500 mg sodium) for the lower sodium pattern.In addition to lowering blood pressure, the DASH diet is cardioprotective. High adherence to the diet is associated with a lower risk of heart attack, stroke, and death due to cardiovascular disease.4 Furthermore, following the DASH diet leads to improved blood lipid levels.3Adding a Dash of DASH into Your Diet!Everyone can improve their diet by using DASH diet principles. Here are some easy ways to add a dash of DASH into your daily life!Limit your intake of sugar-sweetened sodas, coffees, and juices. Try to swap these drinks for their unsweetened counterparts, such as black coffee or unsweetened tea, water, or low-fat unflavored dairy.Aim to have a lean protein source at every meal. Lean proteins include low-fat dairy, beans, poultry, fish, and lean beef. Dairy products provide calcium and protein – double win!Utilize whole fruits and vegetables as snacks. Apples, bananas, carrot sticks, bell peppers, and pears are all great on-the-go snacks.Swap your refined grains (white rice, pasta, white bread) for whole grains (brown rice, whole-wheat pasta, and whole-wheat bread). Whole grains pack a lot of nutrients without a major taste change!When cooking, utilize unsaturated fats such as olive or canola oil. Avoid using butter or coconut oil as these are a source of saturated fats.For more information on reducing blood pressure using the DASH diet, see this guide from the NIH. References How to make the DASH diet work for you. (2019). Retrieved 16 September 2019, from https://www.mayoclinic.org/healthy-lifestyle/nutrition-and-healthy-eating/in-depth/dash-diet/art-20048456Stamler, J., Chan, Q., Daviglus, M., Dyer, A., Van Horn, L., & Garside, D. et al. (2018). Relation of Dietary Sodium (Salt) to Blood Pressure and Its Possible Modulation by Other Dietary Factors. Hypertension, 71(4), 631-637. doi: 10.1161/hypertensionaha.117.09928DASH Eating Plan | National Heart, Lung, and Blood Institute (NHLBI). (2019). Retrieved 16 September 2019, from https://www.nhlbi.nih.gov/health-topics/dash-eating-planJones, N., Forouhi, N., Khaw, K., Wareham, N., & Monsivais, P. (2018). Accordance to the Dietary Approaches to Stop Hypertension diet pattern and cardiovascular disease in a British, population-based cohort. European Journal Of Epidemiology, 33(2), 235-244. doi: 10.1007/s10654-017-0354-8 By: Annabelle Shaffer, BS, Master’s candidate in the Division of Nutritional Sciences at University of Illinois Urbana-Champaignlast_img read more

  • “Here, First Sergeant!”

    first_imgThe South Dakota Army National Guard has a strong tradition of supporting their Service members and families. The 114 Service members deploying are from 40 different communities in 4 states— South Dakota, North Dakota, Minnesota, and Iowa. They are temporarily leaving jobs from 112 different employers. This is a second deployment for 34 of the Service members and a third deployment for 25 of the Service members.Several prominent individuals participated in the ceremony providing their support, including SD State Adjutant General Major General Jeff Marlette, Aberdeen Mayor Travis Schaunaman, US Congressman Dusty Jonson, US Senator John Thune, and SD Governor Kristi Noem. Collectively, they offered thanks to the Service members and families for their sacrifices. Employers were recognized for their support of the Service members and their sacrifices as they support the country. Mayor Schaunaman shared that the Service members were “leaving behind family who love them, friends who admire them and communities who thank them”. Governor Noem emphasized that the Service members truly leave a hole in the community.Several of the speakers also spoke about mission readiness and the focus that requires. Major General Marlette acknowledged that the Service members know their jobs – they are well trained, well equipped and well led. However, Service members often times worry about their families. He encouraged everyone to reach out and provide needed support so the Service members can stay focused on the mission. He challenged the Service members to stay mission focused – on safety, standards and discipline. Commander Captain Craig Evenson, spoke of the challenges in front of the community. He indicated the Service members should expect hard work and that families need to always place mission first. Governor Noem stressed that strong families make for a better tomorrow, and deployment events such as this, drive it home.Governor Noem also commented on the t-shirts that many of the family members were wearing, which stated “Got your six” on the back of the t-shirt with the name of their Service member. She encouraged the Service members to bring each other home and challenged them “to be strong enough to stand alone, smart enough to ask for help, and brave enough to ask for it.” This same advice could apply to the families as well.The ‘roll call’ portion of the ceremony was an emotional time for many Service members and families. First Sergeant Breen read off the names of each deploying Service member, who in turn stood up from where they were sitting with family members, and responded “Here, First Sergeant!” The Service members walked to the front of the gymnasium to shake hands with the dignitaries and  then returned to their families, but remained standing. For me, this was so symbolic of who was giving the greatest sacrifice. Earlier in the ceremony, Governor Noem quoted the great Teddy Roosevelt speech, “The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.”Kudos goes out to the South Dakota Army National Guard on a well done activation ceremony. For the Service members and families— may you focus on mission, seek support when needed, and support one another along the way. This post was written by Sara Croymans, MEd, AFC, University of Minnesota Extension Educator, member of the MFLN Family Transitions team, military spouse and mother. Family Transitions provides education, resources and networking opportunities for professionals working with military families to build resilience and navigate life cycle transitions. Engage with the MFLN Family Transitions team on our website, Facebook, Instagram and Twitter. by Sara Croymans, , MEd, AFCOver the recent long Labor Day weekend I attended a deployment Activation Ceremony in Aberdeen, SD for 114 soldiers of Alpha Battery, 1-147th Field Artillery Battalion and 147th Forward Support Company. The Unit will be supporting Operation Atlantic Resolve, which builds readiness, increases operability and enhances the bond between ally and partner militaries using multinational training events in Bulgaria, Estonia, Hungary, Latvia, Lithuania, Poland, and Romania.I didn’t personally know anyone deploying, but attended to show my support for the Service members and their families. The experience was moving. From the moment I walked into the Aberdeen Central High School and watched the gymnasium fill up with family, friends, employers and community members, I was reminded of the ripple effect deployment has on everyone throughout a community.Greeting attendees at the doors of the high school were members of the local Freedom Riders. Support for our Service members is shown in a variety of ways and from many sectors of the community. Just outside the gymnasium, members of the local VFW Auxiliary were handing out buddy poppies. The proceeds are used for aid, relief and comfort of veterans and members of the armed forces and their dependents who are in need.The VFW Auxiliary members were also distributing little ‘care packages’ for family members and supporters. These packages included a listing of available resources, messages of gratitude and items to remind us to keep the Service members in our thoughts and prayers. My favorite items were these little Army men with the message “Please take a soldier home as a reminder of the men & women serving our country”.last_img read more

  • What is Bitcoin? And Should Anyone Be Buying it?

    first_img Return to article. Long DescriptionMichaelWuensch/Pixabay.com, CC0What is Bitcoin?Bitcoin is a currency system that is 100% “virtual” or computer-based. It is decentralized, meaning that no one bank or government controls it, and it is also anonymous and completely global. Transfers are made via computer through a very complex system, and do involve transaction fees. Some businesses (not many) accept bitcoin as payment.Recently, bitcoin prices have been rising astronomically, creating a lot of buzz and excitement around this currency. You or those you work with may have heard that “if only” they had invested just a small amount in bitcoin some years back, they would be very wealthy now. So, what’s the catch?Why is Bitcoin Risky?Bitcoin is a risky investment in part due to the risk that it can be hacked. Hacking is obviously a significant issue whenever we talk about a computer-based currency. Though innovators are working hard to come up with solutions to keep the “keys” that secure bitcoin more safe and to make it more and more difficult to hack the system, the problem is far from solved.It’s also true that if you lose the “keys” that unlock your bitcoin, you have a problem. Again, technology is working to solve this problem. For instance, it’s possible to buy hardware-based “wallets” whose information can be recovered even if they are physically lost.Scammers also have taken advantage of the allure and mystique of virtual currencies and have managed to cheat people into purchasing completely fake cryptocurrency.Another reason bitcoin is risky is that the government still hasn’t really figured out how to regulate it. Bitcoin’s anonymous nature has meant that it has been a favored currency of some unsavory characters, which has caused some general concern. The concept of bitcoin is also still so new that the government is unsure what it really “is” and how to handle it. It is possible that new laws could drastically regulate bitcoin in unfavorable ways or even shut the bitcoin market down, which would be a major problem for anyone holding it.Bitcoin is also risky due to its historical price volatility. Over its short existence, it has been 5 times more volatile than the S&P 500. Historically, prices for bitcoin have tended to go up spectacularly and then crash. One-day drops have been as much as 80%. Keep this in mind when you see dizzying figures.It’s important to understand that bitcoin and other virtual currencies are not backed by any bank or government. If you have a problem with bitcoin, you may not be able to get help from anybody; there may not be any customer support. In the past, some companies holding bitcoin have been unreliable, difficult to deal with, and have even lost customer funds. Who (if Anyone) Should Invest in Bitcoin?Over and over again, experts make these same statements about investing in bitcoin or other cryptocurrencies:Only invest after you have paid off consumer debt, secured your retirement, and put away money for any children’s college funds—basically, only if you have “money to play with.”Be absolutely sure you know how to keep any investment safe. This requires a high degree of tech savvy.Only invest money you would be perfectly okay with losing.This is a pretty high bar, and one most of us are not likely to be able to meet. However, it is fair to add that people have made money off of cryptocurrency, and many are highly optimistic about its future. Others say it’s a bubble, and predict a huge crash.Bitcoin is the type of opportunity that may be likely to appeal to some service members due to the intrigue that surrounds the concept, as well as the excitement of an opportunity that some see as “the next big thing.” You may also see or hear of people offering affiliate links that give others a discount on their first bitcoin purchase. These discounts are tiny compared to the risk involved.Be aware that bitcoin is not the only cryptocurrency out there, though it is still the most well-known. Ethereum and Litecoin are the two most well-known alternatives, but thousands of other cryptocurrencies exist. In generally, even less is known about these currencies than bitcoin.Finally, don’t forget that bitcoin gains are taxable. Just like gains from the stock market, gains from bitcoin sales must be reported at tax time. You can find out more here.Here is some info from the Consumer Financial Protection Bureau about bitcoin and virtual currencies:Risks to consumers posed by virtual currenciesWhat are virtual currencies and what should I know if I’m interesting in using one?References:Consumer Financial Protection Bureau. (2014). Risks to consumers posed by virtual currencies. Retrieved from http://files.consumerfinance.gov/f/201408_cfpb_consumer-advisory_virtual-currencies.pdfConsumer Financial Protection Bureau. (2016). What are virtual currencies and what should I know if I’m interested in using one? Retrieved from https://www.consumerfinance.gov/ask-cfpb/what-are-virtual-currencies-and-what-should-i-know-if-im-interested-in-using-one-en-1893/ By Carol ChurchHas anyone you know been talking about bitcoin lately? If your life is like mine, perhaps someone you know can’t STOP talking about it! It’s enough to make a financially minded person either very curious or very skeptical. https://pixabay.com/photos/bitcoin-cryptocurrency-digital-2007769/last_img read more

  • Cancer & Caregiver Emotions

    first_imgThis image was purchased by MFLNMC from iStock.com under member ID 8085767. Return to article. Long DescriptionWritten by: Mary Brintnall-Peterson, Ph.D., MBP Consulting, LLC, Professor Emeritus, UW-ExtensionAs a mother of a cancer victim, I remember vividly when I first heard my son had cancer. I prayed and hoped that the doctors were wrong and that it wouldn’t be cancer. I was overcome with emotions—fear, uncertainty, anger, hope, guilt, helplessness, grief and others. If I was overwhelmed with emotions, what was my son experiencing? I knew I wasn’t feeling the same as my son, as the cancer was in his body, destroying his life as he knew it and charting a life as a cancer victim and hopefully survivor. I also knew that he and I dealt with emotions differently and used different coping mechanics. This is probably not different than other families.Regardless of how you or your cancer victim deal with emotions what’s critical is to realize feelings are neither right or wrong—they are just there. We don’t get to choose our feelings or when they will hit us.  As individuals we have the option of how to deal with our emotions. We can try to hide or deny them or accept and express them. What gets people into trouble is not the emotion, but how they deal with them. Some individuals adopt unhealthy ways of coping with emotions such as eating too much or eating too little or using alcohol or drugs. In many cases, people don’t want to acknowledge they have feelings and if they do have them, they hide them, hold them inside and ignore their existence. They think by not acknowledging them they will go away. If they show emotions it’s a sign of weakness or loss of control. They don’t want people to feel sorry for them and they don’t want to upset family members (children) or others by being emotional. In some cases, individuals might feel they don’t have time to deal with emotions with everything else going on in their life. Regardless of why an individual is ignoring their feelings they won’t go away and will eventually find a way to be expressed.Hiding emotions is hard work and wears an individual out, plus it is physically harmful. If not dealt with, emotions come out in ways that cause regret by saying or doing something, they wish they hadn’t said or done. Helping someone acknowledge their feelings isn’t easy but in the long run will be beneficial for everyone in that’s person’s life. This goes for everyone involved as it could be that the cancer victim is showing emotions and others in their life aren’t. These individuals could be hiding their emotions as they don’t want to upset the cancer victim, plus they might think their emotions don’t matter as they don’t have cancer. Not true! Everyone involved with the cancer victim will experience some type of emotions which need to be acknowledged, accepted and expressed.There is no magic way to acknowledge, accept and express feelings.  Remember it’s not the emotion or feeling that gets us in trouble, but how we express those feelings that sometimes gets us in trouble.5 Ways to Express Feelings or EmotionsTalking with someone. A someone can be any person(s) you feel comfortable with—a friend, another family member, a professional or sometimes a complete stranger is a good listener. For some individuals they talk to a spiritual or faith leader and God. Support groups offer a safe place to express feelings and the individual can be validated by others who have or had similar experiences.Crying. Tears are a way of cleansing the body and soul. It helps to release your emotions and tensions.Writing. Journaling or jotting down one’s feelings can be helpful to some individuals. Writing also can clarify how they are feeling.It can also provide documentation of how the individual felt in others situations. Writing for some, makes it easier to express their feelings because they have a better idea of what they are feeling. For some, writing helps to let go of the feelings or cope with them better. They may find they aren’t continually thinking about how they are feeling as its now on paper.Creative Activities. For some individuals using their emotions help them create artwork, drawings, crafts or other creative forms of expression. In some cases, the creative activity becomes a symbol of how they feel.Physical Activities. For many physical activities are a way to release emotions. The type of physical activity doesn’t matter but it is dependent on what the individual can or can’t do. Any type of activity even walking, or moving in a chair or stretching can help in releasing difficult emotions.Emotions and cancer go hand in hand. Learning to acknowledge, accept and express them is in everyone’s best interest throughout the cancer journey which is full of ups and downs.last_img read more

  • A Follow-up to the 2019 MFLN Virtual Conference

    first_imgThis image was purchased from iStock.com under member ID 18347305 Return to article. Long DescriptionIt has been just a little over a month since our annual MFLN Virtual Conference entitled “Relationships for Readiness”. The 2019 three-day conference was a great opportunity to showcase  the innovative ways that service providers and educators can rethink their work with military families.The primary focus of this year’s conference was on the Department of Defense’s Family Readiness System. Explained in full detail in this article from Military One Source, the Family Readiness System is all about the network of programs and services that increase the quality of life for service members and their families, as well as promoting collaboration within this network. It is in this spirit of collaboration that we as helping professionals can bridge the gap and work across disciplines, making resources more readily available for military families.The MFLN 2019 VC opening session provided the foundation of the what the Family Readiness System is and featured several panelists from various backgrounds for an in depth discussion on how the Family Readiness System can work for you. The remaining sessions over the three-day conference focused on issues such as: networking, problem solving by utilizing creative visual language (doodling), how to collaborate across boundaries, financial health and issues related to human services, and how to create a network that works for you. Each day’s sessions were also followed up with Q & A sessions to discuss questions and insights throughout the day’s events.A really great tool that was shared for the VC was our printable Idea-Catcher Journal! This pdf printable journal was provided for those who wanted to have a space to doodle and capture their thoughts in a visually represented way. Our Family Development team utilized this journal and it helped us to map out our professional networks. Here is the link to the Idea-Catcher Journal should you choose to use it when watching the archived recordings of the 2019 VC.If you happened to miss out on these great sessions, follow this VC 2019 link to the virtual conference main page. Click the titles for session descriptions and the archived recordings for each session, as well as recordings of the Making Connections Q & A sessions that took place daily. Also, there are multiple types of continuing education credits that are provided for all six sessions; follow this CE credits link for more info and requirements.ReferencesMilitary One Source (2018). Family Readiness System. Retrieved from: https://www.militaryonesource.mil/family-relationships/family-life/keeping-your-family-strong/family-readiness-systemThis post was written by members of the MFLN Family Development Team. The Family Development team aims to support the development of professionals working with military families.  Learn more about us at https://militaryfamilieslearningnetwork.org/family-development, and connect with us on Facebook, and on Twitter.  Subscribe to our Anchored. podcast series on iTunes and via our podcast page.last_img read more

  • Oregon’s IRC 199A Addback Not Unconstitutional

    first_imgOregon law requiring personal income taxpayers to “addback” the IRC Sec. 199A deduction did not violate the Oregon Constitution. Taxpayers claimed the law was a tax increase enacted in violation of the Oregon Constitution’s:Origination Clause; andSupermajority Clause.TCJA Included 199A Federal DeductionThe Tax Cuts and Jobs Act created a 20% deduction for non-corporate taxpayers with qualified business income from a domestic business. Oregon passed legislation requiring taxpayers to add to their federal taxable income any amount allowed as a deduction under IRC Sec. 199A.Oregon Adopts an “Addback”The Democratic controlled Oregon legislature passed, and the governor signed, the legislation requiring the addback. At the time of passage, the legislature estimated that the adoption of the addback would bring in:$258.4 million in 2017-19;$404.7 million in 2019-21; and$455.4 million in 2021-23.The taxpayer plaintiffs in the case were two Republican state senators who argued that the purpose of Oregon’s addback was to raise taxes.Oregon Constitutional RequirementsThe senators claimed that the legislation was a “bill for raising revenue” enacted in violation of the Origination and Supermajority Clauses.The Origination Clause requires bills raising revenue to originate in the Oregon House.The Supermajority Clause requires 3/5 of all members of each house to pass bills raising revenue.The Oregon Supreme Court has established a two-part test to determine if bills are raising revenue:does the bill collect or bring money into the treasury; anddoes the bill levy a tax?Three examples of bills to collect or bring in money are bills:imposing a new tax;increasing an existing one; oreliminating an exemption.If the bill does not collect or bring money into the treasury, there is no need to reach the second question.While there is no positive definition of a bill levying a tax, Oregon case law excludes bills:imposing fees for governmental services;primarily regulating behavior or legal relationships outside the area of taxation, imposing fines, penalties or other charges merely incident to regulation; orregulating a tax to secure a just or expedient basis for the tax.199A Addback Did Raise RevenueRequiring the addback increases the starting point for Oregon taxable income and raises revenue.Federal taxable income is the starting point in determining Oregon’s tax base. The legislation states that IRC Sec. 199A allows a deduction from federal taxable income and requires taxpayers to add an amount to federal taxable income.The purpose of the legislation was to undo the net economic effect of IRC Sec. 199A. Undoing the effect did not mean that the deduction ceased to exist. Without the legislation, taxpayers could utilize the federal deduction.The Legislation Was Not Levying a TaxThe tax court found the legislation was a tax base bill. The bill did not have the features of levying a tax. The revenue effect of a bill does not determine if it is a bill raising revenue.A revenue increase is a useful factor in determining the legislature’s purpose. However, the tax court was not examining the purpose of the legislature because the act fit within the tax base bill exclusion.The bill regulates the personal income tax by securing a basis for the tax.The legislation was like numerous other addbacks, subtractions and other modifications to federal taxable income. The legislature routinely passes legislation to modify the federal tax base to enact its policy choices that differ from those of the U.S. Congress.Andrew Soubel, J.D.Login to read more on CCHAnswerConnect.Not a subscriber? Sign up for a free trial or contact us for a representative.last_img read more

  • Angioplasty and stent- heart- discharge

    first_imgAlternate NamesDrug-eluting stents – discharge; PCI – discharge; Percutaneous coronary intervention – discharge; Balloon angioplasty – discharge; Coronary angioplasty – discharge; Coronary artery angioplasty – discharge; Cardiac angioplasty – discharge; PTCA – discharge; Percutaneous transluminal coronary angioplasty – discharge; Heart artery dilatation – dischargeWhen You Were in the HospitalYou had angioplasty when you were in the hospital. You may have also had a stent placed. Both of these were done to open narrowed or blocked coronary arteries, the blood vessels that supply blood to your heart. You may have had a heart attack or angina (chest pain) before the procedure.What to Expect at HomeYou may have pain in your groin area, arm, or wrist. This is from the catheter (flexible tube) that was inserted to do the procedure. You may also have some bruising around and below the incision.The chest pain and shortness of breath you had before the procedure should be much better now.Self-care In general, people who have angioplasty can walk around within 6 hours after the procedure. Complete recovery takes a week or less. Keep the area where the catheter was inserted dry for 24- 48 hours.If the doctor put the catheter in through your groin:Walking short distances on a flat surface is okay. Limit going up and down stairs to around 2 times a day for the first 2 to 3 days.Do NOT do yard work, drive, squat, carry heavy objects, or play sports for at least 2 days, or for the number of days your doctor tells you to wait.If the doctor put the catheter in your arm or wrist:advertisementDo NOT lift anything heavier than 10 pounds (a little more than a gallon of milk) with the arm the catheter was in.Do NOT do any heavy pushing or pulling with that arm.For a catheter in your groin, arm, or wrist:Avoid sexual activity for 2- 5 days. Ask your doctor when it will be okay to start again.Do NOT take a bath or swim for the first week. You may take showers, but make sure the area where the catheter was inserted does not get wet for the first 24- 48 hours.You should be able to return to work in 2- 3 days if strenuous activity is not part of your job.You will need care for your incision.Your doctor or nurse will tell you how often to change your dressing.If your incision bleeds or swells up, lie down and put pressure on it for 30 minutes.Angioplasty does not cure the cause of the blockage in your arteries. Your arteries may become narrow again. Eat a heart-healthy diet, exercise, stop smoking (if you smoke), and reduce stress to help lower your chances of having a blocked artery again. Your health care provider may give you medicine to help lower your cholesterol.Most people take aspirin or another medicine called clopidogrel (Plavix), prasugrel (Efient), or ticagrelor (Brilinta)after this procedure. These medicines are blood thinners. They keep your blood from forming clots in your arteries and stent. A blood clot can lead to a heart attack. Take the medicines exactly as your doctor tells you. Do not stop taking them without talking with your doctor first.You should know how to take care of your angina if it returns.Make sure you have a follow-up appointment scheduled with your heart doctor (cardiologist).Your doctor may refer you to a cardiac rehabilitation program. This will help you learn how to slowly increase your exercise. You will also learn how to take care of your heart disease, such asTaking care of your anginaCare after a heart attackWhen to Call the DoctorCall your doctor if:There is bleeding at the catheter insertion site that does not stop when you apply pressure.There is swelling at the catheter site.Your leg or arm below where the catheter was inserted changes color, becomes cool to touch, or is numb.The small incision for your catheter becomes red or painful, or yellow or green discharge is draining from it.You have chest pain or shortness of breath that does not go away with rest.Your pulse feels irregular — very slow (fewer than 60 beats), or very fast (over 100- 120 beats) a minute.You have dizziness, fainting, or you are very tired.You are coughing up blood or yellow or green mucus.You have problems taking any of your heart medicines.You have chills or a fever over 101 F.References Kushner FG, Hand M, Smith SC Jr., King SB 3rd, Anderson JL, Antman EM, et al. 2009 Focused Updates: ACC/AHA Guidelines for the Management of Patients With ST-Elevation Myocardial Infarction (updating the 2004 Guideline and 2007 Focused Update) and ACC/AHA/SCAI Guidelines on Percutaneous Coronary Intervention (updating the 2005 Guideline and 2007 Focused Update): a report of the American College of Cardiology Foundation/American Heart Association Task Force on Practice Guidelines. Circulation. 2009;120:2271-2306.advertisementWright RS, Anderson JL, Adams CD, Bridges CR, Casey DE Jr, Ettinger SM, et al. 2011 ACCF/AHA focused update incorporated into the ACC/AHA 2007 Guidelines for the Management of Patients with Unstable Angina/Non-ST-ElevationMyocardial Infarction: a report of the American College of Cardiology Foundation/American Heart Association Task Force on Practice Guidelines developed in collaboration with the American Academy of Family Physicians, Society for Cardiovascular Angiography and Interventions, and the Society of Thoracic Surgeons. J Am CollCardiol. 2011 May 10;57(19):e215-367.Vandvik PO, Lincoff AM, Gore JM, Gutterman DD, Sonnenberg FA, Alonso-Coello P, et al. Primary and secondary prevention of cardiovascular disease: Antithrombotic Therapy and Prevention of Thrombosis, 9th ed: AmericanCollege of Chest Physicians Evidence-Based Clinical Practice Guidelines. Chest. 2012 Feb;141(2 Suppl):e637S-68S.Pfisterer ME, Zellweger MJ, Gersh BJ. Management of stable coronary artery disease. Lancet. 2010 Feb 27;375(9716):763-72.Review Date:8/28/2012Reviewed By:Michael A. Chen, MD, PhD, Assistant Professor of Medicine, Division of Cardiology, Harborview Medical Center, University of Washington Medical School, Seattle, Washington. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M. Health Solutions, Ebix, Inc.last_img read more

  • Sports Wrap: Ronaldo blasts Iceland, why Kohli is changing diapers and more

    first_imgRonaldo hits out at ‘small time’ Iceland in Euro drawPortugal captain Cristiano Ronaldo has criticised Iceland’s ‘small mentality’ while saying they were fortunate to earn a 1-1 draw against his team in their European Championship Group F opener.Virat Kohli busy ‘changing diapers’ as MS Dhoni battles ZimbabweFrom playing charity matches to wishing Team India luck to changing diapers on a reality television show, Virat Kohli is keeping himself busy off the field during his break.Eligible candidates to be interviewed for coach’s job, says BCCIBCCI will first prune and short-list names from 57 applications received for the Team India’s coach post before calling them for an interview, BCCI secretary Ajay Shirke has said.Argentina roll past Bolivia 3-0 to win Copa America group Lamela and Lavezzi scored two minutes apart early in the first half, Victor Cuesta scored his first international goal later in the half as Argentina drubbed Bolivia 3-0.Dunga fired as Brazil coach after shock exit from Copa AmericaBrazil fired Dunga as coach, the national football confederation said, two days after his side failed to get past the group stages of Copa America.last_img read more

  • Nick Kyrgios fined after Shanghai Masters meltdown

    first_imgNick Kyrgios has been fined $16,500 by the ATP for breaching the ATP’s code of conduct during his defeat at the Shanghai Masters on Wednesday.The Australian was beaten 6-3 6-1 by Mischa Zverev in a second-round match in which he put in a series of half-hearted serves and appeared to be walking off court before the unseeded German had returned the ball to him.Kyrgios also clashed with a spectator before being booed off the court after his defeat. (Rafael Nadal stunned, Andy Murray cruises, Nick Kyrgios slumps in Shanghai Masters)”Kyrgios received the onsite maximum fine of $10,000 dollars for lack of best efforts, as well as $5,000 for verbal abuse of a spectator and $1500 for unsportsmanlike conduct,” an ATP spokesman said.Kyrgios has made as many headlines for his off-court antics as for his exciting tennis during his brief, but turbulent, career. (Nick Kyrgios ends US Open with hip injury)He pulled out of the 2016 Rio Olympics after a public spat with the Australian chef de mission Kitty Chiller, who said some of Kyrgios’s social media posts suggested “he doesn’t really understand what it means to be an Australian Olympian”.At Wimbledon this year, Kyrgios was involved in a heated row in his post-match news conference after being challenged about his behaviour and language, which earned him yet another code violation during his second-round victory over Dustin Brown.Kyrgios fined $16,500 by ATP after Shanghai Masters meltdownNick Kyrgios has been fined $16,500 by the ATP for breaching the ATP’s code of conduct during his defeat at the Shanghai Masters on Wednesday. (Nick Kyrgios to meet David Goffin in Japan Open final)advertisementThe Australian was beaten 6-3 6-1 by Mischa Zverev in a second-round match in which he put in a series of half-hearted serves and appeared to be walking off court before the unseeded German had returned the ball to him.Kyrgios also clashed with a spectator before being booed off the court after his defeat.”Kyrgios received the onsite maximum fine of $10,000 dollars for lack of best efforts, as well as $5,000 for verbal abuse of a spectator and $1500 for unsportsmanlike conduct,” an ATP spokesman said.Kyrgios has made as many headlines for his off-court antics as for his exciting tennis during his brief, but turbulent, career. (Japan Open: Nick Kyrgios beats David Goffin to win title)He pulled out of the 2016 Rio Olympics after a public spat with the Australian chef de mission Kitty Chiller, who said some of Kyrgios’s social media posts suggested “he doesn’t really understand what it means to be an Australian Olympian”.At Wimbledon this year, Kyrgios was involved in a heated row in his post-match news conference after being challenged about his behaviour and language, which earned him yet another code violation during his second-round victory over Dustin Brown.last_img read more

  • Andres Iniesta shines as FC Barcelona beat Malaga to regain cushion atop La Liga

    first_imgBarcelona regained a four-point cushion atop the Spanish league with a ho-hum 2-0 win over visiting Malaga and surging Valencia dismissed Sevilla 4-0 at home on Saturday.Barcelona faced last-placed Malaga in the closing match of the day, with added pressure from second-placed Valencia, who have won five in a row.Barcelona have been unbeaten after starting with seven straight wins and drawing with Atletico Madrid last week.Seldom-used Gerard Deulofeu opened the scoring for Barcelona after just two minutes, and Andres Iniesta celebrated his first of the season in the second half thanks to a brilliant assist by Lionel Messi.??? #Messi and ?? @andresiniesta8 ??? ????´ #ForaBara pic.twitter.com/exrdXJjMNg- FC Barcelona (@FCBarcelona) October 21, 2017″We lacked pace at the beginning of the game. It was our third in six days and mentally, it’s difficult,” coach Ernesto Valverde said.Buen esfuerzo. Seguimos!! pic.twitter.com/d6SG2QVudn- Andrs Iniesta (@andresiniesta8) October 21, 2017Luis Suarez failed to score on clear chances once again, underlining his poor start to the season, but had his manager’s backing nonetheless.”I don’t see a problem with him. He looks good to me. What’s important is that he manufactures chances,” Valverde said.Defending champion Real Madrid hosts Eibar on Sunday.OFF-LIMITS LEADERBarcelona benefited from a flagrant referee misjudgment to get its go-ahead goal against Malaga. Left back Lucas Digne was allowed to center the ball after it clearly crossed the byline, and Deulofeu acrobatically backfooted it inside the net.Despite the blow, the visitors got back up and managed to neutralize Barcelona for most of the first half, but lost striker Diego Rolan just before the second period. The Uruguayan import was forced off by injury.advertisementWithout Rolan, Malaga lacked bite in its pressure of the home backline, and Barcelona was able to polish ball circulation and find Messi with more frequency.Messi received a clean pass from defender Javier Mascherano, drew the defense, and dropped a perfect pass for Iniesta, whose shot was deflected by defender Roberto Rosales on its way to the upper left corner.Malaga surrendered and Barcelona dominated the rest of the way.VAMOS VALENCIAGonzalo Guedes opened the scoring for Valencia near halftime with a majestic strike from outside the box after deftly outmaneuvering two defenders on the chase.Simone Zaza added his eighth league goal after the break with a spin and low cross shot. Santi Mina came off the bench and scored the third with just five minutes to go, finishing off a speedy counterattack for the hosts.But the show was all Guedes, and the Portuguese midfielder rounded off his great game with the closer, subtly poking the ball over goalkeeper Sergio Rico in added time.Sevilla has lost three in a row in all competitions. Managed by Eduardo Berizzo, the team started off red-hot in La Liga but has floundered lately, ranking fifth.”We need to hold our head up high and get to work. I don’t fear being sacked,” Berizzo said.ON THE REBOUNDReal Betis rebounded from its demoralizing home loss to Valencia by defeating struggling Alaves 2-0.The result put Betis in sixth place, tied with neighbor Sevilla.Antonio Sanabria scored early in the first half to lead the hosts to victory a week after losing to Valencia 6-3 at Benito Villamarin Stadium in Seville. Sanabria has scored at least once in each of his last five league games. The Paraguay striker has seven goals in the last seven matches with club and country.Betis added to the lead with an own goal by Alaves defender Alexis Ruano midway through the second half.It was the eighth loss for Alaves in nine league matches. It remains second-to-last in the standings with three points, two more than Malaga.LACKLUSTER DRAWLevante and Getafe played to 1-1 and both teams stayed near the middle of the table.Levante lost striker Alexander “Nano” Mesa early in the second half because of a ligament injury in his right knee.last_img read more

  • Carolina Marin launches Mera Hoardings app

    first_imgHyderabad, Jan 5 (PTI) Ace Spanish shuttler Carolina Marin along with players of Hyderabad Hunters, a team in the Premier Badminton League, has launched Mera Hoardings, a billboard advertising marketplace mobile app here.The app allows multiple hoarding companies and agencies sign up and register themselves to sell their vacant billboard /hoardings on online, a release from Mera Hoardings said.The app was launched yesterday.Mera Hoardings, is a city-based outdoor online booking company and has been an official partner for sports championships ranging from local cricket leagues to the Indian Premier League.It is also is the official outdoor partner for BCCI, IPL and the Pro Kabaddi League.Saikrishna Gajavelly, Founder and Chairman of Mera Hoardings said his company rolled out a massive Outdoor Advertising campaign supporting Hyderabad Hunters team in Hyderabad, Mumbai, Bengaluru, Chennai, Lucknow, Ahmedabad, Delhi, and Guwahati.”Hoardings with the images of players in their aggressive tone yelling Smash the house down! lined up across the prominent stretches of the target markets,” Gajavelly added. PTI GDK NRB SDMlast_img read more

  • AAEON: COM Express Type 6 for demanding applications

    first_imgAAEON announces the COM-CFHB6 Computer-on-Module. Featuring the 8th and 9th Generation Intel Core Processors, it is built to bring flexible computing to any embedded project.The COM-CFHB6 is built to the COM Express Type 6 form factor. It features a wide range of processors from the Intel Celeron to Intel Xeon, and the 8th and 9th Generation Intel Core processors (Coffee Lake H/Coffee Lake Refresh). The COM-CFHB6 supports low power 25W processors, perfect for mobile applications, up to 45W 6-core Xeon server CPUs. Combined with support for up to 48 GB DDR4 memory with ECC support (Xeon, Core), the COM-CFHB6 is built to provide high performance in the most demanding of applications.The COM-CFHB6 is built for flexibility with powerful I/O and expansion features. It supports four USB 3.1 Gen 2 ports and eight USB 2.0 ports, up to three display ports, and up to 24 PCI Express 3.0 lanes, perfect for edge computing and AI applications. The COM-CFHB6 also features a slim cooler design, only 28 mm tall, allowing the COM-CFHB6 to fit into almost any tight space.With the combination of power and flexibility, the COM-CFHB6 is right at home with a wide range of applications, including digital signage, factory automation, and robotic controller. It can even be used as an edge device or AIOT gateway in Smart City applications.AAEON also offers Q-Service Plus for the COM-CFHB6, our manufacturer and OEM/ODM service. AAEON works closely through the entire process, from board design, BIOS setup, and product testing, to provide an embedded solution that is built for your specific needs.Share this:TwitterFacebookLinkedInMoreRedditTumblrPinterestWhatsAppSkypePocketTelegram Tags: Boards & Modules Continue Reading Previous Portwell: 19” system targets video wall applicationsNext Fischer Elektronik: 19-inch insert modules with variable dimensionslast_img read more

  • How to Add Text to an Animated GIF Using Photoshop [Quick Tip]

    first_imgWhat’s the deal with animated GIFs these days?In January 2014, Pinterest announced that they were now supporting animated GIFs. Then, in June 2014, Twitter followed suit and announced that they also were supporting animated GIFs.Otherwise known as “Graphics Interchange Format,” you’ll find these looping, animated clips featured all over social media, blogs, websites, and more. Heck, you might even remember them from your former MySpace days.Explore Adobe Photoshop CC basics through quick tips, video explainers, and custom photo filters here.These cute animated videos can be used for fun, or also as marketing collateral to help promote your products, services, or events. Take the customized animated GIF above as an example. This animated GIF is a clip from the movie The Big Lebowski and was taken from GIPHY.com. With the text on top, it can be used to promote our INBOUND 2014 conference in a fun way.Want to learn how you can add text to animated GIFs, too? Read on for the full tutorial.How to Add Text to a GIFSearch GIPHY for the perfect animated GIF.Right click and choose “Save Image As…”Open your GIF with Photoshop.Show your Timeline.Make sure have the top layer selected in the right side panel.Add text to your GIF.Select “File” > “Save for Web…”Double-check your settings, then click “Save…”Name your file and save it.Post your new animated GIF everywhere! 1. Search GIPHY for the perfect animated GIF.Go to GIPHY.com and search for a keyword or phrase. This could be a TV show, a movie character, or a general verb or noun. See an example of this below:Each GIF is tagged with a few words or phrases that describe what the animation is from, and what feeling you get as a result of watching it. As you search for your keyword or phrase, you’ll see a list of GIFs pop up in a tile format. Click on one of these GIFs to see a bigger version of it. Here’s the GIF we chose: (Source: reactiongifs.me)When using a GIF from GIPHY.com, make sure you properly cite the original source. For more information on how to do this, check out GIPHY’s FAQ page. You can also use a GIF that you’ve created on your own if you’d prefer not to use GIPHY.2. Right click and choose “Save Image As…”Once you’ve found the perfect GIF, right click on the image and select “Save Image As…” A screen will pop up where you can name your file and save it to your desktop, downloads, or some other folder.3. Open your GIF with Photoshop.Once you’ve saved your GIF on your computer, open that file with Photoshop. If you don’t have Photoshop, you can also add text to your GIF using GIMP, a downloadable program for manipulating images.4. Show your Timeline.When you first open your GIF in Photoshop, you’ll probably see a set of layers in the right side panel, but the image won’t be animated. In order to access this animation, click “Window” > “Timeline” to show the sequence of images in a linear animation. You can view the animation by clicking on any frame in the timeline and hitting the space bar.5. Make sure have the top layer selected in the right side panel.This step is important if you want the text to be applied throughout the entire animation. In this case, the top layer is “Layer 8.” If you have a different layer selected, your text will only show on the layer you’ve selected, and on the layers below it. For example, if I selected “Layer 6” here instead of “Layer 8,” my text would only show on layers 1 through 6.6. Add text to your GIF.Here’s the part you’ve been waiting for! To add text to your GIF, select the Text tool in the left side toolbar and drag a box over the image. Start typing your message out — in this case we wrote “Goin’ to INBOUND 2014!” to complement the excited emotion shown in the GIF. To change the font, weight, size, color, and alignment, look to the top text bar.If you did this step correctly, you’ll see your text appear at the top of your layer panel. If your text is not the top layer, that means you didn’t have the top layer selected in step five. (If that’s the case, go on and drag the text layer to appear at the top.)If you’d like to test your GIF to see how it’s working, simply navigate down to your timeline, click on a frame, and hit the space bar to watch it in action.7. Select “File” > “Save for Web…”Once you’ve finished adding text to your GIF and you’re satisfied with your final product, you’ll need to save it in a .gif format. To do this, click “File” > “Save for Web…” If you select the typical “File” > “Save As…” setting, your GIF will be saved as an immovable image and will not animate properly.8. Double-check your settings, then click “Save…”Once you’ve clicked “File > “Save for Web…” you’ll be brought to the screen below. If you’d like to change any color or sizing settings, you can do that here. Otherwise, simply click “Save…”9. Name your file and save it.Once you’ve clicked “Save…” you’ll be brought to a screen where you’ll need to name your file and select the folder where you want this file to live. After you’ve named your file and put it in the appropriate location, click “Save.”10. Post your new animated GIF everywhere!Voila! See this final Big Lebowski GIF with an INBOUND 2014 twist: Now that you know how to take a clever animated GIF and add customized text to it, you’ll be able to use these in blog posts, on your website, or in social media posts.How do you use animated GIFs in your marketing? Tell us in the comments below! Originally published Sep 3, 2014 2:00:00 PM, updated December 05 2017 Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlackcenter_img Photoshop Tips Topics:last_img read more

  • 4 Essential Tips for Navigating the Content Planning Roadmap

    first_imgWhat makes for a successful family road trip? Some may argue that it’s a solid mix of entertainment and snack packs, but many seasoned vacationers know that in order to arrive at their destination unscathed, they need to pinpoint their exact route, find the right vehicle, fill up the gas tank, and double check their emergency toolbox before they can even think about hitting the open road.Content planning is a similar undertaking. Today’s buyers are willing to travel, but need a little nurturing from you to get to the right destination.Want to ensure you’re delivering the right content to the right people at the right time? Pair your content planning with the three stages of the buyer’s journey. The quick guide below will show you how to do just that and get well on your way to creating your most successful content to date. 1) Pinpoint the RouteFirst thing’s first — your roadmap should always lead travelers through the same three destinations: awareness, consideration, and decision. Whether you’re B2B or B2C, you need to have a firm grasp on your audience and buyer personas so you can select the right piece of content for each reader.AwarenessUsers are noticing symptoms and/or they are realizing a problem exists. Therefore, they are seeking educational, third-party content in the awareness stage. They want light, vendor-neutral information that will help them identify their specific problem. ConsiderationHaving discovered what the exact issue is, those in the consideration stage are committed to solving their problem and are searching for content to help them do just that. At this point, they’re most focused on solutions and comparisons. DecisionIn the decision stage, users have decided how they will solve their problem and they are simply seeking validation in determining their short list and selecting a final vendor. They need (and want!) you to help close the deal.2) Choose the Right VehicleContent is your main vehicle for delivering your message to your audience. Just like Hondas and Nissans, content comes in many makes and models. Again, you can use the buyer’s journey to help you determine which vehicle each customer belongs in.AwarenessUsers rely on white papers, research reports, editorial content, educational content, ebooks, social media, and blogs.ConsiderationUsers become more interested in comparison white papers, expert guides, webcasts, podcasts, and videos.DecisionUsers are looking for influencing information in the form of vendor/product comparisons, case studies, trial downloads, and live demos.3) Fill Up Your Gas TankContent planning can easily put…put…putter out when you aren’t organized. From email and landing page copy, to titles and subject lines, to tweets and blog posts, everything has to work together so it can effectively speak to the target audience. Avoid coming up empty by using a few relevant words to help focus your content creation. Below are a few suggestions to get you started. AwarenessTroubleshootIssueResolveRisksUpgradeImproveOptimizePreventConsiderationSolutionProviderServiceSupplierToolDeviceSoftwareApplianceDecisionCompareVersusPros and ConsBenchmarksReviewTest4) Have Your Toolbox Within ReachKeeping everything on your editorial calendar congruent can be difficult when you have to consider the type of content, topic, buyer’s journey stage, title, keywords, target persona, offer/CTA, and accompanying social posts for each piece of content you create. But having a plan and process is key — so make sure you have the right software in place to help you manage it all. Want more help on content mapping? Watch this on-demand webinar. Originally published Mar 9, 2015 11:00:00 AM, updated February 01 2017 Topics: Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack Content Planninglast_img read more

  • How Your Agency Can Add Value and Minimize Risk for Small Businesses

    first_imgWhen it comes to marketing, small businesses need a lot of bang for their buck.Basedon on a recent Gartner CMO Spend Survey, marketing budgets now account for 12% of company revenue, a steady increase from 2010. For small businesses, this money is a precious chunk of change.If it’s spent without a commensurate increase in new customers, then it could lead to ruin. This makes SMBs understandably cautious when choosing a marketing agency—and creates challenges for the agencies themselves.Marketing agencies cannot guarantee ROI, and every marketing campaign carries with it the risk of underperformance. Over 80% of B2B marketers say that it’s a challenge to demonstrate how their work improves the bottom line—and 93% of CMOs agree.Instead of guaranteeing ROI, marketing agencies need to communicate how they can minimize risk for SMBs, while providing data-driven insights that illustrate the effectiveness of their approach.Start with Small BudgetsAlthough marketing agencies don’t have a crystal ball to forecast ROI with, they still have common sense. More than likely, the small business is starting their marketing department from scratch – or its still incredibly new/small. In this scenario, marketing agencies can become valuable by finding what works and iterating it to the SMB’s founding team.How does this work in practice? Let’s say that a client is running a business, but there’s no pre-existing marketing strategy in place. The business is moving product, however, and there’s a reliable record of who’s buying—age, gender, location, income level, and so on. Although it’s hard to know the best way to market this product, there are tried and proven ways to market to these demographics.Agencies can also come at this problem another way—by starting small and iterating. One of the best ways to work with a SMB is to determine the smallest amount of money required to obtain a new lead.Once that amount has been determined, it’s relatively easy/simple to come out with a plan that helps the client sacrifice the smallest amount of budget dollars in exchange for the largest number of manageable leads per month. This strategy dovetails with another good, commonsense tactic.Determine the Right Metrics for Success Returning to the Gartner survey, the role of marketing has changed dramatically over the course of a few short years. Nearly half of all marketing organizations have some aspect of sales hooked in, for example. IT and CX organizations are also being incorporated into the marketing machine.Marketing agencies may not be asked to shoulder these responsibilities in the same way a CMO might, but their clients are almost certainly changing their expectations of what an agency might deliver. Therefore, it’s truly important for agencies to discuss with their clients what constitutes a barometer of success. If an agency works with sales, then the agency needs to determine what that looks like for the sales team. Is it lead generation, closed opportunities, or something else?If there’s a CX partnership, how do they measure their customer retention statistics, and how does the agency prove its worth?Once again, the prevailing challenge in marketing is that most marketers have difficulty identifying the ways that their work affects the business.By setting benchmarks at the beginning of a customer relationship, marketing agencies can identify the targets that they’ll hit, and SMBs will know what they’re aiming for. With that in mind, here’s one concrete approach that marketers can take towards justifying their work.Create a Revenue Attribution ModelRevenue attribution is the meat and potatoes of the approach outlined above. Marketing agencies have limited means to predict the ROI of various projects, but there are a variety of methods that can track the success of a particular approach.For example, one might attempt a “first touch” methodology. Say that a lead views a blog, performs some other actions involving content, and then closes a deal—the entirety of that deal might then be attributed to that touch-point.Alternatively, agencies can use a linear attribution model.Let’s say that after viewing a blog post, the lead then downloads a white paper, and then closes a deal. The agency can take the final value of that deal, divide it by the number of touch-points, and then attribute an equal number to each piece of content.These are extremely simple models, and they’re not perfect—but without them, there’s really no way for an agency to identify which pieces of content lead to revenue generation. More to the point, research from the Aberdeen Group suggests that over one-third of marketers don’t perform revenue attribution of any kind, and nearly 20% don’t know if they have an attribution model or not.It’s also worth noting that “best-in-class” marketers are much more likely to use complex weighted attribution models that place different emphasis on different pieces of content. From related research, this practice translates to a substantial likelihood that a company will see strong positive correlations between their marketing efforts and sales growth.Encourage Some RiskWhile we mentioned earlier that it is beneficial for a marketing agency to start the SMB off small, it is equally important that the agency also challenges the SMB’s marketing team to push themselves into new and uncharted marketing territory. Again, going back to the Gartner report, there’s a clear connection between the marketing teams demonstrating accountability and assuming risk to the marketing teams that then go on to earn a bigger marketing budget.While it’s important that the agency works with the SMB to figure out the minimum amount of risk and money needed in order to acquire a new lead, it’s also the agency’s job to bring new ideas (perhaps a few far-fetched ones) to the SMB that will challenge their current marketing plan and urge them to dream a bit bigger.Create a Great Friendship Between Your Agency and SMBBeing a successful marketing agency doesn’t just mean serving your clients with slick, well-produced campaigns—it means doing so in an accountable and reproducible manner that complies with the changing priorities of the customer. This is a challenge that a lot of agencies still struggle with, but the techniques above provide a roadmap for customer trust.By creating this trust with the customer, and putting forth just as much effort into their overall marketing goals as their own internal team, you’ll be creating a long-lasting relationship with the client which leads to very positive word-of-mouth. In other words, when customers grow, agencies grow too. Topics: Originally published Apr 5, 2017 10:00:00 AM, updated April 05 2017 Agency Marketing Don’t forget to share this post!last_img read more

  • How to Download and Save YouTube Videos

    first_img Topics: Originally published Jun 17, 2018 8:33:00 PM, updated October 30 2019 You expect technology to be accessible everywhere — even offline, in some cases. That includes YouTube videos.Whether you’re outside on a run, traveling somewhere by train, or in a cafe with limited wi-fi service, you don’t want to stop what you’re doing if you run into connection problems, especially if you’re in the middle of watching a video on YouTube.This is why it doesn’t surprise me that you want to know how to download and save YouTube videos. So did I, and luckily, there is a way.Download a Free 30-Day Planner for Your Business YouTube Channel.Let’s face it, there’s nothing worse than losing wifi or data coverage when you’re halfway through the new Taylor Swift music video and your train goes under a tunnel (you know, as a random example … ).By saving your favorite YouTube videos for later, you’re ensuring you can watch YouTube videos start-to-finish anywhere without any pesky obstacles like wifi or restricted data plans. Download and save YouTube videos now = uninterrupted Taylor later.Here, we’ll cover how you can download and save YouTube videos, on both mobile and desktop devices, to ensure you’re never without that quick entertainment fix when you need it.Disclaimer: According to Google’s Terms of Service for YouTube, “You shall not download any Content unless you see a ‘download’ or similar link displayed by YouTube on the Service for that Content.” If you want to share a video, YouTube offers a variety of super easy methods beyond downloading, such as embedding, emailing, and sharing on social media. If you absolutely must download a video, make sure it’s strictly for your own personal use — or you risk violating a number of privacy and copyright laws (not to mention, taking ad revenue away from people who depend on YouTube for a living).How to Download and Save YouTube VideosDownload VLC, or another open-source media playerOpen VLC and click “Open Media”Click “Network” and paste YouTube URLIf using Mac, select “Window” and then “Media Information”If using Windows, select “Tools” and then “Codec Information”Find the “Location” bar at the bottom and copy that URLPaste that URL into your browserRight click the video and select “Save Video As”Name the file and save to desired location Tools to Download YouTube VideosVLC, Freemake, or MP4 Downloader Pro are all great options for downloading an MP4 video from YouTube to your desktop. Feel free to check them out to decide the best option for you. To make your selection process easier, here’s a quick list of five free download solutions:VLCVLC runs on both Windows and Mac computers. If you’re using a Mac, make sure you have Mac OS X 10.7 or newer. The tool makes it easy to take your favorite videos offline and save them for viewing in any file format: MPEG-2, MPEG-4, WMV, MP3, MP4, and more.MP4 Downloader ProMP4 Downloader Pro is a free video downloader that allows you to download YouTube videos in bulk. You can also prompt the tool to shut down your computer after your files have finished downloading. It’s a helpful piece of software for people who need to download lots of video content at once.Freemake Video DownloaderFreemake was built with YouTube videos in mind. You can save videos, playlists, and entire YouTube channels to which you subscribe right to your desktop. Freemake downloads YouTube videos in most common file formats today: MP3, MP4, AVI, FLV, and more.ClipConverterClipConverter is choice for YouTubers who’d rather not download a tool to their computer. It’s a website that delivers an offline version of your desired YouTube video via the video’s URL. Just enter the URL of your video, hit “Continue,” select the file type you want, and click “Download.”4K Video DownloaderCompatible with both Windows and Mac, this free solution converts YouTube videos with just the video’s URL. Copy the YouTube link from your browser into this tool, and 4K Video Downloader will create an offline playlist of videos for you. The software produces videos in MP4, MKV, M4A, MP3, FLV, and 3GP file formats.Download MP4 from YouTube1. Download VLC, or another open-source media playerFor the sake of time in this example, I downloaded VLC. You can find this free product here. Click the link above and follow VLC’s download instructions.2. Open VLC and select “Open Media”Below, you’ll see the homepage of VLC once you download the program to your computer. Select “Open media…” on the bottom right, as shown.3. Click “Network” and paste your YouTube URLNavigate over to YouTube and grab the URL of the YouTube video you’d like to download from the address bar at the top of your browser. You can simply copy this URL to your clipboard by typing Control+C on a Windows computer or Command+C on a Mac.Then, return to VLC media player, click “Network” along the top menu bar and paste in the URL of the YouTube video you copied above. You can do this by typing Control+V on a Windows computer or Command+V on a Mac.4. If using Mac, Select “Window” and then “Media Information”In the top navigation bar of your Mac computer, click “Window” and select “Media information…” from the dropdown, as shown below:5. If using Windows, select “Tools” and then “Codec Information”This step will retrieve the same information as in the step for Mac users above. You’ll see this information in the next step.6. Find the “Location” bar at the bottom, and copy the URLIn the screenshot below, see that long string of text highlighted in white at the bottom? Copy it to your clipboard (Control+C for Windows or Command+C for Mac).7. Paste the URL into your browserReturn to your internet browser and open a new tab. Paste the text that’s currently copied onto your clipboard into your address bar. This will open an MP4 version of your YouTube video that you can actually save to your desktop.8. Right click the video, and click “Save Video As”Right click (or control+click on your Mac’s trackpad) the enlarged YouTube video that appears. Click “Save Video As” and select your Desktop as the video file’s destination. 9. Name the file and save to desired locationHit save and see your newly downloaded YouTube video on your desktop.Transport downloaded MP4 to Mobile PhoneThis might not be the “official” solution, but if you want that same MP4 video on your phone, you can email it to yourself and open it up as an attachment, and you’re good to go!Download MP3 from YouTube on DesktopSometimes, all you need is the audio of a YouTube video — especially if it’s new music. That’s where MP3 files come in.Want to download an MP3 version of a YouTube video to your desktop?GenYouTube is the easiest and quickest way to convert YouTube videos to MP3 audio downloads, particularly because you can do it from the YouTube video. Here’s how:Find a video on YouTube you want to convert.In the URL, add the word “gen” right before the word YouTube (e.g. http.://www.genyoutube.com/watch?…)This URL will lead you to the same video on GenYouTube’s page. Scroll down the page, and see your options for audio and video formats (including 3GP, WEBM, MP4, M4A).Select “MP3” to immediately start download.Download MP3 from YouTube on Mobile PhoneYou can also visit GenYouTube’s website from your mobile phone, and download from there.Option 1 (search from YouTube):  Youtube Marketing Option Two (search from GenYouTube … then follow same instructions as above):That’s it! You’re all set to listen and watch your favorite YouTube videos wherever, and whenever, you want. Don’t forget to share this post!last_img read more

  • Jamaica Test hat-trick belongs as much to Virat Kohli as it does to Jasprit Bumrah: Harbhajan Singh

    first_imgHarbhajan Singh believes Jasprit Bumrah will forever remain indebted to Virat Kohli’s “gut feeling”, which got him the hat-trick, just like he is grateful to Sadagopan Ramesh for an incredible catch at forward short-leg 18 summers ago.Harbhajan, India’s first-ever hat-trick man in Test cricket, lauded Bumrah, who became only the third (Irfan Pathan was second) from the country to achieve the milestone in the longest format.In 2001, Harbhajan’s hat-trick against the mighty Australians (Ricky Ponting, Adam Gilchrist and Shane Warne) set the tone for the series. On Saturday, Bumrah got Darren Bravo, Samarah Brooks and Roston Chase.India vs West Indies, 2nd Test Day 2: Highlights | Report”This hat-trick belongs to Virat as much as it belongs to Bumrah. The bowler wasn’t convinced but the skipper had a gut feeling. What if Virat wouldn’t have gone for that DRS? It was a brilliant call by the skipper which complemented his magnificent effort,” Harbhajan told PTI on Sunday.The Turbanator still feels that without Ramesh’s flash of brilliance, he wouldn’t have been able to create history.”I remember that I discussed with Dada (Sourav Ganguly) and we decided to keep it on stumps and try for a third leg before but Warne flicked it.”Now to be honest, Ramesh wasn’t the most athletic of the guys in that team. Yet at forward short-leg, he pulled off that stunner with a less than split second reaction time. Whenever I have later met Ramesh, I told him, ‘buddy my hat-trick belongs to you’,” Harbhajan fondly recollected.advertisement”That’s why I believe that some things happen that come together and such a beautiful thing happens. It was Ramesh’s brilliance then and it’s Virat’s conviction now,” said the owner of 711 international wickets.The most endearing thing, according to Harbhajan, was Rahul Dravid’s celebration.”I have never seen Rahul so excited, jumping with joy. Perhaps, he also didn’t believe Ramesh can pull off such a catch,” he said.Indian cricket is blessed to have a match-winner like Bumrah: HarbhajanFor Harbhajan, Bumrah is the biggest blessing that Indian cricket could have had.”Indian cricket is blessed to have a match winner like Bumrah. This hat-trick will only help his legend grow but even without that he is an incredible performer. I mean 5 wickets in 7 overs in last game and 6 wickets in 9 overs in this game. You can’t ask for more. He is a rare diamond,” said Harbhajan.What makes it more creditable is that the hat-trick has come in a Test match.”A hat-trick is always a praiseworthy feat but if it happens in Test cricket, it’s all the more creditable,” he felt.”In ODIs, you are always in with a chance in the death overs — say from 47th to 50th when batsmen are attacking. If they attack you will always fancy your chances of a bowled or a catch in the deep,” he explained.”But in Test matches, it is a different ball game. The batsmen are not always attacking. The defence will be tighter and their skill comes into play. Look at Bumrah’s deliveries. The length and how it was tailing in. That’s pure skills,” he said.Harbhajan is not liking people raising questions about the quality of West Indies batting.”Obviously Sir Viv (Vivian Richards) and (Brian) Lara won’t be playing on forever. They are playing their best Test team, the same outfit that beat England this year. And for Bumrah, he is the best fast bowler in world cricket at the moment,” Harbhajan concluded.Also Read | Harbhajan Singh welcomes Jasprit Bumrah to hat-trick club: So so so proud of youAlso Read | Jasprit Bumrah hat-trick: How Virat Kohli’s DRS call sealed the landmark wicket for India pacerAlso See:last_img read more

  • Amazon Great Indian Festival Diwali Special begins: 5 smartphone deals you need to check out

    first_imgAfter hosting two festive sales on its platform earlier this month, Amazon is back with another sale ahead of Diwali celebrations. Amazon India is hosting the Amazon Great Indian Festival Diwali Special on its platform in India. The sale began at 12AM on October 21 and it will go on till October 25.During its ongoing sale, Amazon is offering massive discounts on the purchase of smartphones, mobile accessories, Amazon Echo devices, smart TVs and other home appliances. Apart from offering discounts, the Indian arm of the Seattle-based tech giant is also offering lucrative offers that are aimed at helping people shop more. For starters, the e-retail giant is offering 10 per cent discount on all purchases made using Axis Bank and Citi Bank credit and debit cards. This includes the goods purchased using EMI offer. The company is also extending this discount to all RuPay cards.In addition to this, Amazon India is also offering free screen replacements, no cost EMIs and exchange offers on the purchase of goods during the ongoing festive sale.If you missed out on the last two festive sales and are planning to buy a new smartphone ahead of Diwali, here are top five deals you need to check out:OnePlus 7: OnePlus earlier this year launched its flagship smartphone — the OnePlus 7 — at a starting price of Rs 32,999 in India, which means that this variant of the phone sports 6GB RAM and 128GB storage space. Now, at its Great Indian Festival Diwali Special, Amazon is selling the base variant of the device for Rs 29,999. In case you missed out on the previous festive deals, the OnePlus 7 is still available at a discounted price of about 30K during the ongoing festive sale.advertisementSamsung Galaxy M30: Samsung launched the budget smartphone – Galaxy M30s – at a starting price of Rs 14,990 in India. Now it is available at for Rs 8,999 on Amazon India. You can get additional 10 per cent discount by using your Axis Bank or Citi Bank credit or debit card for paying for your purchase.Vivo V15 Pro: The mid-budget Vivo V15 Pro was launched in India for Rs 28,990. During Amazon’s ongoing festive sale, it is available with a discount of Rs 7,000. This means that you can purchase the device for Rs 21,990 on Amazon India during its ongoing festive sale.Xiaomi Redmi Y3: Similarly, budget smartphone Redmi Y3 was launched in India for Rs 9,999 and now during its festive sale, the phone is available with a discount of Rs 2,000. The phone is selling on Amazon India for Rs 7,999 during the festive sale.Honor 8C: Lastly, Honor 8C is selling on Amazon India for Rs 8,999. The phone was launched in India for Rs 11,999. Shortly after its launch, the company slashed its prices to Rs 10,999.ALSO READ: | Missed last night’s event? Here’s everything Google announced at its hardware eventALSO READ: | Amazon’s Great Indian Festival Diwali Special sale starts October 21: Heavy discounts on Smartphones & TVsALSO READ: | Flipkart Big Diwali sale begins today: Check out top 10 smartphone deals available todaylast_img read more

  • I am still captain unless I hear otherwise: Mahesh Bhupathi amid India’s Davis Cup drama

    first_imgVeteran Indian tennis star Mahesh Bhupathi on Wednesday refused to admit that he has been replaced as captain of India for the Davis Cup tie against Pakistan saying he is available and believes he is “still captain”.The All India Tennis Association on Monday named Rohit Rajpal, a former India player and chairman of the national tennis federation’s selection panel, as the non-playing captain after Bhupathi also refused to travel to Pakistan citing security concerns for the Davis Cup Asia/Oceania Group I tie.”To everyone so concerned for my thoughts and comments. All I know is from a phone call with Mr. Chaterjee (AITA Secretary General Hironmoy Chatterjee) on Monday where I was told that Rohit is replacing me as captain because I wasn’t comfortable going to Pakistan (love the country been there before – not this time),” Bhupathi tweeted.”I have not heard from the AITA since Monday or after the ITF addressed the players concerns on venue and approved a neutral location – so I am available and believe in am still captain unless I hear otherwise! Glad to “comment” when I know what I know,” he added.I have not heard from the AITA since Monday or after the ITF addressed the players concerns on venue and approved a neutral location – so I am available and believe in am still Captain unless I hear otherwise! Glad to “comment” when I know what I know????Mahesh Bhupathi (@Maheshbhupathi) November 6, 2019Veteran Rohan Bopanna, one of the players who refused to go to Islamabad because of security issues, tweeted on Tuesday expressing his surprise over AITA changing the captain before International Tennis Federation (ITF) shifted the Asia/Oceania Group I tie from Islamabad to a neutral venue.advertisementMeanwhile, AITA has slammed the players criticising them for appointing a non-playing captain, saying it is not their decision to make.”It is not the players’ prerogative to comment on administrative matters,” Chatterjee told IANS.Bopanna said he was shocked that none of the players were “asked or even informed” that the captain was going to be changed.”They were not supposed to be informed. It is the committee’s decision at the Annual General Meeting (AGM). I spoke to him and I feel he is overstepping,” said Chatterjee.Asked if he had a word with Bhupathi, Chatterjee said: “I had a word with Mahesh. Our job is to inform them about our decisions and that’s what I did.”The tie will be held on November 29 and 30. The tie was earlier scheduled to be held on September 14-15 but was postponed to November after a security review by the ITF in August. The postponement had come in the wake of pleas from India to shift the tie to a neutral venue or postpone it given the heightened tensions between the two countries.Also Read | AITA responds to Rohan Bopanna’s comments on change of Davis Cup captainlast_img read more