The Top 5 Best Ways to Invest Your Money in 2017!

Here are the best 5 ways to invest your money in 2017 and be
more proactive with money management.

1. Playing a little defense:

The present bull market is known to be the second longest historically and while this does not necessarily mean that the stocks will go down, at some point, we are going
to realize a correction or may be a full blown recession. This is all about when. In this case, being defensive does not mean to avoid stocks and thus one can add some defensive investment to his/her portfolio this year. For instance, one can purchase an index fund which invests in dividend stock growth, which seem to fare better in time of recessions. 

2. Buying a home:

Buying a Home is usually one of the best investment in some ways. For the beginners, it takes the funds you would else be paying rental fee with and turn it into a type of forced investment. Even if it is just 20 percent of your first mortgage, payment will be towards the principal, you will still build up much mote equity as compared to when you would be just a renter. 

3. Get into lending clubs:

Normally, the clubs set the rate of interest on notes depending on a particular credit criteria. Since they just accept appropriate borrowers, they intensely lessen the possibility for defaulters and possible losses for lenders. In this case, you can start out with small funds, then increase the amount they wish to loan as their assurance as the company develops.

4. Save an emergency funds:

Saving emergency funds is another significant ingredient to positive investment of money this year. Among individuals who fail keeping financial resolution, about 73% say they got sidetracked by unexpected emergency hardship or expense. Whether it is unemployment or medical bills, the unexpected situations may disrupt your efforts and spoil the progress you have made just in a single fell

5. Buying great high divided stocks in the

While most of the market was highly recorded last year, the sector of real estate was a huge under-performer. Because equity REITs may be some of the better long-term dividend development investment in the business, now it may be a good time for scooping some of these on sale, such as Reality Income, that invests in freestanding selling properties. Most of them are engaged by businesses which are unaffected by recession and are not susceptible to competition of electronic commerce.


Toys R Us Offering and Autism-Friendly Shopping Event

Christmas Shopping has always been a bustling experience. Shopping at toy stores, specifically, can get a bit extreme, especially around the holiday season. Toys R Us has decided to combat the loud and scrambling Christmas shopping experience. They are offering a quiet shopping event for customers on the Autism spectrum. Those with autism and their families will have the ability to participate in quiet hours at participating Toys R Us locations. The shopping event will include dimmed and limited florescent lighting. No announcements will be made over the loudspeaker and the in-store music will get slapped with the mute button.
The marketing director of Toys R Us, Mike Coogan, had something to say regarding the special quiet shopping event. He stated that his Toys R Us team is full of pride from reaching out to autism groups and holding these shopping events. Mike mentioned that these adjustments made to stores, creating a shopping period that offers a quiet experience, allow children to experience the fun of a toy shop.

For those who may not know, autism is a neurological disorder. It is characterized by an impairment in social interaction and communication, verbal or non-verbal. At times, there is also restrictive and repetitive behavior. One could see why the craziness of shopping might be a situation someone with autism would tend to avoid. This event will give those with Autism an opportunity to shop for their Holiday gifts in a much more comforting environment.

Toys R Us is doing its part to deliver a calm environment for those on the autism spectrum. Autism-friendly signage will be posted and quiet zones will be located throughout the store. The opportunity for these kids to be able to pick out their favorite toys just like everyone else is important. This shopping event will no doubt be a catalyst for future events, regardless of the organization. It will show that everyone needs to be given a chance to do what they love. Disability or not, shopping for one’s favorite toys seems like a basic human right.


Well Known Head Shop Owner in Bay City Facing 5yr Tax Felony

Yet another huge reminder to avoid breaking tax laws has recently popped up in the headlines.  This one comes in the form of a Bay City Head Shop owner who is facing a 5 year felony charge, after police alleged that he was in possession of illegal tobacco.

In case you aren’t familiar with what a head shop is, it’s a shop that sells tobacco related products. These stores generally don’t sell just tobacco products only. They also sell things like tobacco smoking devices such ass glass pipes, glass bongs, as well as vaping related goods like e cigarette products, and vape juice. Most of these products are highly regulated by tobacco tax laws, and are subject to certain sales tax and licensing standards that must be followed by vendors of the goods.

This story dates back to April of 2014, when the Tobacco Tax Act team run by the Michigan State Police were doing mandatory checks on local shops that sell Tobacco, and they stopped at ‘3 doors down tobacco’. After finding some tobacco that didn’t appear have stamps on it, they ran some checks on the invoices of the tobacco products purchased which led to the discovery that it was purchased from an unlicensed distributor in Wisconsin. According to Michigan State Police, the Head Shop was unable to provide any evidence that they had indeed paid any sales tax on the tobacco at question.

After learning of the alleged tax violation, The State Tax Team spent an entire year investigating the head shop, and it’s owner Jason Tenjeras (who owns 2 more shops in other cities) . Then on December 7, police finally caught up with Mr.Tenjeras for an interview. After that, reports were then sent to the Michigan attorney General’s office. Then on August 22, Police followed through with a warrant for Tenjeras who voluntarily appeared in court for one count of  Tobacco tax violation. He now faces up to 5 years of hard time, and he will be appearing for a hearing before the District judge in September.

I think this is just another example of someone who maybe got too greedy. Building a successful business can tough, but it’s important we do our best to make the right decisions when it comes to tax and legal matters.

best midrange headphones

The Most Reliable Mid-Range Headphones

Nowadays, almost everybody owns a laptop or a mobile device; consequently, headphones have become a big deal. For just a few dollars or thousands of dollars, you will definitely get a brand that will match your interests. The question is, are expensive headphones worth it? Or should just get a Mid-range headphone? Below I have outlined some of the best midrange earphones you should consider buying.

1. RHA S500i

• RRP: $39.95 inc VAT
These headphones will provide you excellent value for your money. They are high performing and affordable to most people unlike the high end headphones that go for even $400 a piece. They are characterized by a mid centric and a minimalist design a package that will definitely impress you. This set of headphones is a wonderful performer that rivals even the performance of some high end headphones. It is definitely the Best Mid-range headphones in its own class. You will not regret buying this. It even works with the old fashioned PCs and laptops. You are all definitely covered.

2. Sennheiser HD 429

• RRP: $45 inc. VAT
You do not have to spend several hundreds of dollars for a good headphone. This piece has quality sound that can even rival those of headphones going for more than $300. They are designed with high end looks and though they are small, they will definitely satisfy your need for bass and high quality sounds. Spending money on this piece is really worth it; in addition, this headphone is fit for all of our budgets. You no longer have the reason why you should not get this piece.

3. Creative Sound Blaster JAM Bluetooth Headphones 

• RRP: $39.99 inc. VAT
This headphone is in the class of the Best Mid-range headphones. Its comfort and audio quality will exceed all expectations that you may have had. It is very lighweight and you will hardly realize that you are wearing headphones. Though they do not fold to enhance portability, these pieces of art are small enough to fit in your smallest coat pocket. My personal point of view, these headphones are much better than the highly publicized high end headphones. You will surely enjoy the bass from them

4. Audiomax HB-8A Bluetooth Headphones

• RRP: $45.99 inc. VAT
If you have been looking for quality in the Best Mid-range headphones, Audiomax HB-8A Bluetooth Headphones will definitely complete it for you. With this earphone, you will get all the features in a high-end headphone. There is no need to spend a lot money on very expensive pieces and this one gives you all you may want. It features comfort, a longer battery life a stylish performance and a wonderful sound performance. This is a piece you would definitely want to try considering what it offers and how much it costs.

5. OnePlus Icons 
• RRP: $39 inc VAT
Among Best Mid-range headphones, the OnePlus is the most impressive headphone for several reasons. For just less than £40 you get a beautiful design and high quality. These headphones sound better than any common headphones. There sound and design is even comparable to that of high-end headphones. If you are looking for quality at a constrained budget, these are the pieces you can bet on for a low price and high performance.

For more great information on headphones, I’d recommend checking out They do headphones reviews, and they have info a ton of different models and brands of headphones.

Persue a Career in Real Estate or Get Your Bachelors?

The Real Estate Field can be a great opportunity for people who enjoy working with others and have good communication skills. Becoming a real estate agent is an especially beneficial opportunity for those of us who didn’t go to college or who lack certifications etc. In Elmira New York realtors are some of the most well off people in the whole city. With the average salary for an Elmira agent being about $67,000. That’s more than $20,000 than the average yearly salaries of college graduates who obtained their bachelors degrees. These jobs also seem to be on the rise wherever you look, with more people going to college and pursing other things new opportunities are opening up for those who chose not to go for a bachelors. This leaves us with the question, is college becoming less favorable as well as required to have a successful career?

Another popular career choice for those who don’t get their bachelors is web development. The average web developer makes a medium of $66,000 per year and you can learn these skills online through affordable courses that can be found all over the web. Even free courses on youtube can be quite beneficial to those aspiring to learn this trade. I think those considering if they want to go to college or not should definitely consider their alternatives and ask themselves if they will really benefit from college, especially those who cannot afford it without very expensive student loans.

24 Valuable Marketing tips for Businesses

Despite many entrepreneurs having a preference for word of mouth as an exclusive means of advertising, it just doesn’t cut it with the fierce competition in the business world today. Even though those advocating for this option resort to it due to getting burned by previous expensive marketing avenues which didn’t work out, it doesn’t necessarily mean that’s how it will always be.

Have you ever been hopeful to get something great but never got the results? Well, it’s quite easy to feel relaxed with not spending a dime on marketing due to such past experiences.

However, could you have executed the marketing tactic poorly which ultimately led to the poor results? Whichever the case, it’s important to understand that in the line of marketing, missteps can result in substantial amounts of valuable information for future endeavors. What does this mean? By learning from past efforts, you can employ different marketing tactics to boost your business’ success 10-fold.

So what marketing tips can you apply moving forward?

1. Create ads aimed for the heart rather than the mind.

2. Go through your ad copy and eliminate silly errors such as “don’t lost out on your savings…”

3. Update your ads frequently since repeated punch lines highly correlate to the laws of diminishing returns.

4. Market to the proper target audience since not everyone is a prospective client.

5. Increase your ad frequency placement.

6. Have a consistent ad message in all unified fronts that you advertise.

7. Be precise in your content marketing. No one wants to read 200-word advertising billboard.

8. Use quantifying values in your business ad copy e.g. a $50 savings.

9. Create a sense of urgency e.g. this month only.

10. Have your distinct style of marketing (don’t copy your competitor’s persona).

11. Create a consistent theme/mood for your branding strategy.

12. Limit the use of self-aware ads such as ��we’re the number one service in….’

13. Present a central contact point per ad i.e. a single commercial shouldn’t have a stop by, click or call to action.

14. Regularly update your webpage so that it’s responsive format across all platforms.

15. Don’t create excessively creative ad copies to the extent it sounds like Shakespearean wordplay.

16. Shape your marketing according to consumer preferences.

17. Avoid the use of volatile marketing tools such as car window flyers.

18. Create a detailed marketing budget.

19. Create a customer oriented slogans such as “I love it” to immerse them in the experience.

20. Have a charismatic brand ambassador for your brand.

21. Seek to arrest customer attention within 5-seconds with the ad copy.

22. Leverage the use of social media to make friends and not to dig for clients. It’s important to bear in mind that it’s easier to ask a friend to become a customer than a total stranger.

23. Follow the advice of other marketing professionals.

24. Seek objectivity by getting your ads reviewed by an external party.

3d printer

Are 3D Printers the future?

Additive manufacturing, which is another name for 3-D printing, is a term that refers to the process of synthesizing solid three-dimensional objects from a digital file. Nowadays it is definitely changing the way we produce things- tools, clothing, car parts, toys and food. Smaller and consumer-friendly 3-D printers are now available on the market for homes and private businesses.

The first step in printing an object is creating its blueprint in modeling software and saving it. When the saved data is input, material (most commonly plastic) begins to melt with heat created by lasers, then deposits and instantly cools down creating solid matter. This process is repeated until the structure is fully formed by layering.

Latest 3-D printers have nano-precision and hence can create incredibly fine details. The technology used to produce structures on a nanometer scale is called two-photon lithography. It was introduced by researchers at the Vienna University of Technology who managed to speed up the process to the extent that they can even produce body parts. One indicator of big improvement is that printing speed was measured in millimeters per second and this new device can do five meters in only one second.

Since the beginning of the 21st century, biotech companies made efforts to research possible methods of human tissue engineering using 3-D printing in order to be able to build body parts and organs. This became doable with the use of the inkjet techniques by depositing living cells layer by layer on a gel medium and gradually building up to create 3-D structure. Utilization of 3-D printing in medicine is referred to with the term bio-printing. This field has exponential growth and new acquirements are seen on a daily basis.
Another important role in modern 3-D printing was played by chemists. The resin contains photoactive cells which are activated when they absorb two photons of the laser beam at once – this happens only in the center of the laser beam. These cells are actually initiators of a chain reaction in other components in resin. Opposed to commonly used 3-D printing techniques, solid material can be created anywhere within the resin. This saves a lot of time in the entire producing process.

Lately, researchers at Princeton University printed bionic human ear, which uses biology electronics and can receive signals up to million times higher than an average human ear. 3-D printers in China built 10 houses in a day with costs lower than 5,000 $ per house. It is also predicted that NIke could be only software company in just ten years time, thanks to 3-D printing. It is obvious that these machines are just becoming more powerful. So, we can definitely expect printed future with low expenses and fascinating inventions.