Tuesday, February 4, 2020

How Crowdsourcing Could Help Your Family Make Better Investment Decisions

Crowdsourcing is a relatively new concept, emerging in the post-cloud era. It’s the idea that you can take
advantage of the ideas and money of the crowd to achieve better outcomes for whatever you’re trying to
do. Companies like Kickstarter most famously make use of the “crowd” for raising money to launch
companies and products, but it goes beyond that. Now researchers at the University of Alabama
Birmingham have found that you can use large groups of people for better financial analysis.

Currently, when most investors want to know the future earnings growth of a firm, they look to Wall Street
guidance. Analysts at the world-famous financial hub use models to crunch numbers and provide
investor clients with data on how much money they think the company in question will make. The more
money coming through the doors, the higher a company’s stock value.

Researchers, however, have found that when you crowdsource opinions on how much money a company
will actually make, you get more reliable answers. In other words, when you take advantage of the
knowledge of the herd, you get results that are closer to the truth. 

If you’re interested in this phenomenon, please take a look at the following infographic. It shows the latest
research into crowdsourcing and accounting, and how it is transforming the way investors evaluate stocks
. The infographic makes it easy to understand this tricky concept and provides all the intellectual tools you
need to make better investment decisions for your family. Check it out below. 

Infographic by University of Alabama Birmingham

Friday, January 31, 2020

Poverty Went Down For The Average American In The 20th Century, But Why?

The last twenty years have been a little disappointing for the average worker. Wages are flat when you
take inflation into account, and prices for life’s essentials, like rent and healthcare, have been going up.
But despite the recent blip in the historical record, poverty rates fell for most of the twentieth century, and
they’ll probably continue to fall in the future. 

The question on the minds of many people, though, is why? What was it that allowed poverty rates to go
down so sharply in the years following WWII? 

As you can see from the following infographic, there’s something of a debate on the subject. Some
people are firmly in the camp that says that it is the market economy that produced the wealth that
allowed people to work their way out of poverty to a semblance of financial success. Others argue that it
was the action of the government that brought up the standard of living among the poorest members of
our society with a variety of programs. 

The “War on Poverty” began in the 1930s with a range of policies enacted by President Roosevelt
designed to reduce “want.” Many of the programs involved trying to get people into employment through
public works. 

The modern era of social security and welfare began with Lyndon B Johnson, who introduced the Food
Stamp Act and Economic Opportunity Act of 1964, which offered less well off Americans both food and a
bunch of work-related training. 

Are you interested in why poverty fell so much? Read on to find out more. 

Infographic by Norwich University

Friday, January 17, 2020

What Big Life Changes Do You Want This Year?

Everyone has to go through life changes. Some of them happen to us far quicker in life. Like the moment
you woke up and all of the sudden hormones were raging through you. Or the last time you walked out of
the school gates. Or the first time that you started a full time job. The point we're trying to make is that life
changes at many different points, and it doesn't stop just because we settle down and get a full time job.
In fact, some of the biggest changes in your life might be about to come your way. The truth is, you just
don't know what's around the corner, and without realising it one event is going to lead to another. Small
changes in your life such as getting into a relationship, or having a promotion at work, are all setting you
on a path that will lead to big changes. Those in themselves are big changes to try and deal with. So, if
you keep on reading, we'll explore some of the changes that might be coming your way this year. 

Putting A Ring On Your Finger 

Well, you're not going to put a ring on your own finger but hopefully someone will be putting one on
yours. Getting engaged is a truly special moment, but one we think is lost on modern society. Everyone
seems to be getting engaged no matter how long they've been together, or how secure their relationship is
. So, hopefully you're thinking of a proposal because you know the person you're with is the one you want
to be with for the rest of your life. You might have even spoken to them about the idea of a proposal. A lot
of couples choose to go engagement ring shopping if there are talks of it on the horizon. It allows the
person proposing to have the best understanding of what style and size you'd like. Tacori is a really good
engagement ring designer if you were thinking of looking at some. Whatever you do, make sure that this
is the right person for you. A break up when you're engaged or married is far harder! 

Moving Job Roles 

Having a job is probably not your most fondest part of your life, but it is a role we all have to take on.
Often however, we do not take on the roles that we truly want, only the roles we can get at the time. So,
make this year about finding a job that you truly enjoy. Moving job roles is so daunting to most people,
especially if it means you're moving company. But this leap of faith could take you on such a great path
in life, you just have to be willing to take the risk. 

Moving Home 

Moving home is such a scary thing to do. However, it's far more common for people to move out than it
was before due to the amount of people who are renting. Renting agreements usually last for a year at the
most, so it might not be available to renew. However, moving home adds excitement. It's a chance for you
to be able to move to a completely new location and have a completely different start in life. 

Thursday, January 16, 2020

Good Oral Health Can Help You Maintain A Healthy Pregnancy

Good Oral Health Can Help You Maintain a Healthy Pregnancy

While pregnancy can be incredibly rewarding, it can also be challenging. Pregnant women suffer from a range of health problems, such as cramps, heartburn, backache, constipation, indigestion, urinary frequency, and other issues. 
Although these problems are challenging enough, pregnant women also adopt lifestyle changes to maintain a healthy pregnancy. They may avoid consuming raw protein, fish with high mercury content, soft cheeses, high levels of caffeine, any alcohol or tobacco. They also stay away from kitty litter, certain medicines, and toxic substances.
However, many people don’t realize the importance of maintaining good oral hygiene during pregnancy. When excess bacteria from the mouth of a pregnant woman enters her bloodstream through her gums, it can travel to the uterus and initiate the growth of prostaglandins. These chemicals may result in premature labor. What’s more, such bacteria can also pass on to the baby.
Pregnant mothers with an oral infection known as periodontitis are also known to deliver babies with low birth weight. If you’re a pregnant mother, then make sure that you brush your teeth twice a day daily for two minutes with a soft-bristled toothbrush and fluoride toothpaste, floss daily, and drink fluoridated water. 
What’s more, reduce your consumption of acidic and sugary drinks and foods high in sodium, sugars, and saturated fats. Eat plenty of vegetables, fruits, wholegrain foods, and other items that are a good source of protein, vitamin A, vitamin C, vitamin D, and phosphorus. Multivitamins such as folic acid and iron are also a good idea. Food that contains calcium will not only help your oral health by initiating the remineralization of your tooth enamel but ensure that your growing baby develops stronger teeth. 
Drinking water instead of other drinks is advisable. While brushing every day will improve your oral hygiene, a toothbrush can’t remove all food from your mouth. Water can wash away leftover food. It also strengthens your teeth by exposing them to fluoride, calcium, and phosphate. The regular consumption of water also prevents dry mouth, which increases the chances of tooth decay. 
Also, find a good family dentist who is professional, experienced, and friendly. They will improve your oral hygiene by removing leftover plaque before it hardens into tartar and results in tooth decay or gum disease. Both diseases can affect your pregnancy. They can also offer important advice.
Not only is it important for a pregnant woman to see a good family dentist, but it’s vital for the oral health of your family. You can check this out to learn about an excellent dental clinic that treats the elderly, adults, and children. 
It’s important to take your child to a family dentist within the first six months of their tooth eruption. They will help you learn more about how to improve your baby’s oral hygiene. It’s important to start early by cleaning their gums and tooth with a damp soft and clean cloth between feedings. A good family dentist will make sure their oral hygiene is good by maintaining records and watching out for potential issues, such as orthodontic concerns. 
Many children feel anxious during a dental appointment because they didn’t start seeing a dentist until they were older. Others develop anxiety because they’ve been treated by inexperienced dentists. That’s why it’s advisable to find a family dentist who is passionate about treating kids. They will take care of you before and after your pregnancy. 

How To Avoid Getting Taken In By Fake News

The phrase "fake news" might be one that you had never heard a few years ago, but now it's everywhere.
Most people probably like to think that they're capable of detecting fake news, but even the smartest and
most careful of us can get taken in by something that's at least partially fabricated. With so much fake
news floating around out there, how can you avoid getting tricked by it?

Get Your News from Multiple Sources

One of the most important things to do if you want to avoid falling for fake news is to get your news from
multiple sources. This is a good idea whether you read something on social media, on a website you've
never heard of before or even from a respectable newspaper. By using a range of resources, you not
only get a good overview of the facts but a range of opinions too.

Be Careful with Social Media

A lot of fake news is spread via social media, often using automatic bots to share it far and wide. If you f
irst come across a story on social media, especially if it links to an obscure website or blog, it always
pays to double-check and see what other sources say. It can be tempting to like or share a post right
away but holding back until you confirm the truth is smart.

Take a Trip to the Library

Where should you go if you want to learn about media literacy and avoiding fake news? Your local library
or university library is the perfect place. You can learn about how to find out the truth, and you have
access to a variety of resources and archives.

Infographic Design By University of Southern California

Wednesday, January 15, 2020

Talk About Money With Your Little Kids

Talk about Money with Your Little Kids

As a parent, you need to talk to your kids about money — and the sooner that you do it, the better. You
can’t expect them to instinctively know how to handle personal finances the moment that they graduate
high school. You have to teach them these important lessons to equip them for the “real world.” 

Kids Between 2 to 6: 

It’s a little too early to teach them what interest rates are or how to make a monthly budget, but it’s the
right time to introduce the concept of money to them. 

Whenever you bring them to the grocery store or market, explain that you have to exchange the items in
your basket for payment. Have them hand the money to the cashier and take the change. If grocery
shopping with your kids is a major hassle, you can teach the same lessons about financial literacy by
playing store at home. Start as the cashier, then let them take on the role and see if they can calculate
change for any of your purchases.

Kids Between 7 to 12:

Introduce more complicated ideas about money, like earning and saving. Give them a small weekly
allowance that they can stash in a piggy bank. Whenever they want to buy candy or get a toy that you
don’t want to foot the bill for, let them know that they can use their own money to get it. 

The move will teach them several lessons:

  • Saving for financial goals
  • Buying things that you need versus what you want
  • Delaying your gratification

Handing them money to save and spend also gives them the opportunity to make mistakes. It’s better
that they learn the pang of wasting a week’s allowance as a kid than wasting a paycheque as an adult.

Tweens and Teens: 

Now, you can talk to your kids more seriously about money to prep them for their adult years. Here are
some things that you can cover at this age:

  • Saving for higher education
  • Making a budget
  • Using a credit card
  • Collecting paycheques
  • Interest

This is also a good time to discuss your income, savings and even your debts. Maybe you need to
get out of debt with a consumer proposal or maybe you maxed out one of your credit cards to settle an
emergency expense. Being honest about your money problems will give them a clearer perspective of
the household’s finances. It will make it easier to explain why you can’t splurge on new clothes or take a
big family vacation this year. 

The sad truth is that parents often pass down bad money habits to their kids — whether it’s acting too
loose or too strict with spending. Children notice how you deal with your finances, and they will copy you
if you’re not careful. The best thing that you can do is give them the tools to be responsible with money
early on and hope that they leave the bad habits behind.

Kids are sponges. They absorb everything that you put in front of them, whether you like it or not. So,
take advantage of this time. Talk to them about money as much as you can so that they go from having
a full piggy bank to a full savings account when they grow up.  


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