Wednesday, January 2, 2013

The Best Health And Fitness Apps For Your - TechCrunch

The holidays wreak havoc on our bodies, with their mandatory over-indulgence in food as well as family and reminiscences. As we reflect on the year past ? its victories and losses ? we also begin looking ahead to the next, and in big ways or small, making plans to keep our momentum going.

For many, this involves taking health more seriously, whether it?s losing a few pounds, training for that first marathon, or just being more active. In turn, there?s been a lot of activity in the health space over the last year, as we?ve seen a number of apps and startups launch ? or continue iterating ? in the quest to help us make healthier choices, get in shape and conquer the world.

The health space is always in a state of transformation, but its evolution has accelerated of late, and technology is playing an increasingly vital role in this development. Improvements in sensor technology (and a reduction in the cost of production) have led to a boom in the popularity of health monitoring and tracking devices, which itself is becoming a crowded market.

Increased government involvement in health insurance and delivery (via ObamaCare), mobile technology, next-gen networks, Big Data and analytics are all having a disruptive effect on the industry, and startups have moved to take advantage.

For Quantified Self devotees, data-vores and the fitness conscious it?s a great time to be alive. Wearable health-tracing devices and platforms are maturing, as is the technology that makes them tick, and it won?t be long before doctors are prescribing mobile health apps and devices. The FDA?s recent approval of AliveCor?s iPhone-based heart monitor is a great example of how much there is to be excited about at the intersection of technology and health.

And for startups, there?s a lot to be excited about when deciding to build a business in this space, as we saw big developments from health-focused accelerators like Rock Health this year. A number of new accelerators hit the scene or turned into legitimate resources in 2012, like Startup Health, Healthbox, DreamIt, NY Digital Health Accelerator and Blueprint Health. Even Nike got into the game.

Nonetheless, with all the excitement in the space, it can be tough to cut through the noise, keep tabs on all the options and figure out which apps and startups should matter for you. Everyone has their own individual agenda, but collectively we?re all bound to be making a few health-related resolutions in preparation for 2013 and beyond.

Without further ado, the Health Stars:

The Wearable Tech

scaled-1054Jawbone UP

Up is one of the members of the exciting new generation of movement and health-tracking devices. The $129 bracelet suffered from some major problems when it first debuted, but it re-emerged in November with a much-improved look and experience. You can use it to track your activity during the day, your sleep at night, as well as log food intake and mood to give you a better overall picture of your health, happiness and calorie input and output.

The device comes with about a week?s worth of battery life in a single charge, is sleek and relatively unobtrusive, insulated in rubber and is waterproof. It includes a silent alarm that will wake you in the morning at the right time and a buzzer to remind you when it?s time to get up and get moving during the day.

Most of the re-design centers around the internal hardware and keeping it immune to wear and tear. The device doesn?t come with much connection to the desktop, or an external display, so, as John wrote recently, the appeal is mostly in its simplicity and the fact that it doesn?t scream ?nerd device? to all who see you wearing it. More in John?s write up here.

fitbit-one-editFitbit

Fitbit is another popular wearable activity tracker that, compared to Up, is slightly more favorable in the pricing department at $99. The small, lightweight device clips onto your clothing (and is meant to be worn somewhere on the torso) or fits into an elastic armband when sleeping. It works like a charm, tracking the number of steps one takes each day, the amount of sleep one gets each night (though this is still buggy), is sensitive to movement and offers a look into the number of calories burned each day.

It displays users? activity in a personal analytics linked to their Fitbit account, which is made easy through a wireless USB dongle that can be paired with its software in a few minutes. Users can keep the dongle in a USB port of sync it with Fitbit?s new Bluetooth radio functionality. As to the data, users can view their levels of activity in graphs, food and calorie intake, and add in other data, like blood pressure mood, etc. Like Up, it?s also got a silent alarm, and at $99, it?s becoming one of the most popular of these devices. [More in Chris' review here.]

screen-shot-2012-01-19-at-11-43-46-amNike+ FuelBand

Nike has been looking to leverage its brand recognition and massive footprint in the sports world to make waves in the fitness-tracking space with its wearable health tracker. The QS bracelet debuted in January 2012, and is now selling for $150 on Nike?s website ? and, giving it a leg up over others beyond what it already had from the Nike brand ? is now selling in the Apple Store across the U.S., Canada and the U.K.

Reviews of the FuelBand run the gamut, and with the trend seeming to be that, up to this point, it hasn?t been accurate enough to be used in real training and workouts, putting it more in the casual use category as a motivator for workouts and just getting off your butt. It looks great (although not unlike UP), comes with a great mobile app, and tracks whether or not you?re burning calories each day and meeting your basic fitness goals. It?s also started to gain some experimental integrations, like with Path, for example.

Nike also offers similar apps like Nike+ Running and Training Club in its growing arsenal of smartphone fitness motivators.

screen-shot-2012-11-29-at-4-31-31-amBasis

I say this haltingly, not having spent significant time with it yet, but Basis? new health-tracking wrist watch is probably the one I?m most excited about. The company quickly ran through its first batch after bringing the product to market in November and has since stopped accepting new orders to concentrate on meeting early demand.

The Basis band is a bit more expensive than the aforementioned gear at $200, and the question, of course, is whether there?s enough going on to justify that higher price. But from the looks of it, there is, especially for the Quantified Self and wristwatch nerds among us. The device comes with an LCD display (a la Pebble) that shows date and time, touch capacitive buttons, a 4-day battery life and Bluetooth support, which will be activated when the company releases its accompanying mobile apps (expected in the near future).

The device is loaded with sensors, which beyond using the accelerometer to measure sleep patterns, include an optical scanner to track blood flow (i.e. heart rate), a perspiration monitor, as well as skin and ambient temperature monitors to measure workout intensity, heat dissipation and so on. On top of that, the company offers a dashboard complete with a host of metrics, which include stuff like calories burned, steps taken, resting heart rate and hours slept and allows users to track their progress and create small, achievable goals to begin establishing healthy habits.

One of the more noteworthy aspects of Basis is that it adjusts to your daily activity (and sleep patterns) automatically, so you don?t have to mess around with different modes and settings. The idea is that it just works in the background, suggesting personalized goals and habits that you can actually meet ? when you want it to. There are still more pieces to add, like integrations with other devices, an API, mobile apps (and of course wider availability), but Basis looks to have a lot going for it ? at least at this early stage. [More in our review here.]

lark-new-productLark

Lark was originally a sleep-monitoring device, app and coaching service that recently expanded beyond sleep to go after the broader, general wellness market. The TechCrunch Disrupt grad now combines, a nighttime and daytime wristband and iOS app to track basic fitness statistics, food eaten, sleep logged, calories burned, distance traveled, and so on. Lark CEO Julia Hu recently told TechCrunch that Lark has sold ?tens of thousands? of devices, and that 73 percent of insomniacs saw an improvement after using Lark Pro for a month. The wristbands are designed by Ammunition ? which also designed the Beats by Dre headphones ? and through its new platform the startup is trying to move beyond its initial, core user base: Athletes.

The app and wristband combo now offer one-tap diet tracking, which allows users to tap a button to indicate they?re eating, tracking dietary info, stress and productivity data to help users make more informed decisions about their health. The platform offers personalized advice, developed in consultation with its scientific advisors, which include Stanford ?neuroeconomists,? psychologists and sleep experts and so on. The ?Larklife? product, which includes the two wristbands and mobile apps, will sell for $150. Lark looks great and has a lot to offer, but it does have to contend with the fact that others are offering a lot of this functionality in one device ? at competitive prices.

Misfit Wearables? Shine is another elegant-looking activity tracker that isn?t yet available but looks promising.

Amiigo, which, described in our recent coverage, is a ?fitness app and lightweight plastic bracelet (with detachable shoe-clip) that can identify the type of exercise you?re doing and tell you how well you?re doing it as you?re doing it, thanks to a variety of sensors analysing how your body is responding as you run, bike, swim (yes it?s waterproof), or whatever your preferred exercise poison.?

No Gadgets Here, Just The Apps

Screen shot 2012-12-25 at 8.54.04 PMRunKeeper

This Android and iOS app is one of the strongest in the category of those that look to turn your smartphone into a personal trainer. RunKeeper is part motivator, part tracker and (long-term) part health graph. The app allows you to track your walks, runs, bike rides, hikes, etc. by using the GPS in your phone, keeping stats on each activity, comparing those stats, setting short-term and long-term goals, offers customizable training plans, and voice coaching. The startup also aims to be a health and fitness data aggregator (or graph) and appeal to Quantified Self enthusiasts by connecting to Bluetooth and leveraging its API to integrates with Fitbit, WeightTraining, Fitocracy, Lose It!, Gympact and GAIN Fitness, among others.

The company just passed its 100th integration, leading in this regard. However, RunKeeper co-founder and CEO Jason Jacobs tells us there?s still a long way to go, as the category heats up and more apps and devices become available on the market.

The startup now has over 14 million users and many, he says, are looking to tie in data from other health apps to their RunKeeper accounts, especially as the company now allows them to earn credits for their workouts and apply them to corporate wellness programs, fitness games, rewards systems and so on. Usage of these integrations, Jacobs tells us, grew 825 percent year-over-year in 2012. Part of the reason Mark Zuckerberg included RunKeeper in a short list of apps that had caught his attention this year.

As to what?s next, Jacobs said that the startup will be looking to more tightly integrate the data from its partners into the core RunKeeper experience in the coming months ? and to better integrate RunKeeper data into theirs ? and will be announcing a number of partnerships in the next quarter as well.

Find it here.

screen-shot-2012-10-30-at-10-38-55-amRuntastic

This one may be better known to European readers, as Runtastic got its start across the pond, but it?s beginning to establish a footprint in the U.S. as well. And overall, it was a good year for the startup, which has looked to carve a name for itself in the space by becoming a full-service health and fitness platform. Traditionally, it?s been focused on tracking and coaching fitness enthusiast through outdoor recreation, allowing users to take advantage of fitness plans with voice coaching, as well as track and analyze their exercise data, monitoring speed, elevation and distance and storing that info in the cloud to measure progress against yourself and others (along with some cool ?PRO? features for Android users.)

More recently, it?s expanded into ?indoor? fitness as well, with motion-activated apps for activities like push ups and pull ups, and now offers a heart-monitoring app to boot. All in all, a productive 2012 for Runtastic has meant the launch of seven new apps for a total of 14 (including free and PRO/paid apps), over 12 million downloads this year alone (for over 16 million total), along with the addition of 5 million registered users on Runtastic.com, the launch of hardware in Europe (a heart rate monitor with GPS watch, armband and chest strap), integration with MyFitnessPal as a launch partner for the debut of its API, Google Earth integration and the launch of a fitness channel on YouTube. Going forward, users can expect more apps, more integrations, and the launch of its hardware in the U.S. during Q1. [More in our coverage here.]

screen-shot-2012-11-27-at-6-34-24-amLift

Lift is a great-looking iPhone app that?s operating behind an ambitious goal: Improving human potential. The Obvious-incubated and now venture-backed startup wants to help you reach your goal, whether that?s getting in shape, living healthier, becoming more productive, or being more kind to animals ? or your mother in law.

The app helps you break down your challenging personal goals into micro habits in order to make it easier to gain momentum and, presumably, achieve those goals. For Lift, it?s all about simplicity; while many startups and app developers say that, Lift really means it. Users create and join habits, clicking Lift?s big button if they?ve met their goal that day, and all activity is public, where users can cheerlead for their peers and receive encouragement of their own. The app pushes your accumulated data into good-looking graphs and charts, showing you how consistent you?ve been in meeting your new, positive habits.

Last week, the startup updated its app in the hopes of helping people meet their New Year?s resolutions, adding reminders (the most-requested feature), along with updating the overall user experience. In a crowded space, where companies like Basis are building some of this functionality into their wearable tech experiences, it will be more difficult for apps like Lift to stand out. However, the company recently recruited Matt Matteson, employee numero uno at Path and is backed by the guys behind Twitter, so it?s got some heavy-weight support. And focus on simplicity is a big leg-up in the data-noisy world of Quantified Self apps and devices.

Screen shot 2012-12-26 at 2.24.57 AM Beeminder

Beeminder is attempting to take an evil-genius approach to motivating you to reach your goals. Namely, if you don?t stay on track towards your stated goal every day, Beeminder will charge you a predetermined amount, starting at $5, that increases each time you fall off track. The idea is that you quickly reach an amount that motivates you. Your rational, forward-thinking self is putting this restriction on your lazy, impetuous self in order to make it do the things you really want to do. Beeminder works for any quantifiable goal, like losing weight, exercising three times a week, or even productivity goals like checking things off your to-do list. It can automatically track your data from other services like Fitbit, Withings, and RunKeeper.

Beeminder is similar to StickK.com, but more data-oriented. Basing your commitment on a graph of your progress also creates flexibility (without defeating the point of a commitment contract). You can adjust your goal at any time, but updates take effect in a week, so if you want to be lazy, you have to plan ahead to be lazy.

screen-shot-2012-11-13-at-13-11-12Retrofit

Retrofit, which just raised $8 million led by DFJ, is a weight-loss program designed for busy people that uses a little bit of Skype, Fitbit, connected, wireless scales and live mentorship from wellness experts to help you get in shape. Retrofit allows users to set small, achievable weight loss goals ? one pound per week is the typical maximum target ? and private Skype video sessions with real, live fitness instructors to combat empty promises and increase healthy outcomes.

It incorporates data from your wearable health-tracking devices (like Fitbit) and wireless activity monitors and scales (which it provides in your ?welcome package?) and displays that information in a way that makes it easy to consume and customizable. What sets Retrofit apart is the personalized instruction from its wellness experts, who are registered dietitians, behavior coaches, and exercise physiologists and a ?maniacal? focus on helping you lose weight. Retrofit comes at a cost, though, with its starter, 10 percent weight loss program (which includes 12 expert sessions) beginning at $259/month for a year-long commitment and scaling up from there.

screen-shot-2012-05-21-at-6-41-19-pmMapMyFitness

MapMyFitness is a well-backed conglomeration of fitness-oriented websites and apps, which allows users to track and store their running, cycling, walking and hiking activity and access a considerable database of international routes, fitness calculators, events, listings, nutrition tracking and more. Founded in 2005, MapMyFitness is one of the early movers in the space and has grown into one of the more popular fitness apps in the App Store, passing 9 million registered users and 30 million downloads (across all apps) this summer.

The company has been expanding into international markets of late (along with its offline partnerships) and recently rebuilt its portfolio of websites, updating its routes, courses, personal challenges and integrating with the latest version of Google Maps? API. This means that users can now get real time info on weather, safer routes, directions, elevations, customer markers and traffic, on top of leaderboards, the ability to check-in at workout locations and compare progress to specific groups, be it friends, running rivals or local clubs. An oldie but a goodie.

Screen shot 2012-12-26 at 1.35.43 AMKeas

Keas is a venture-backed social wellness platform brought to you by Adam Bosworth, a familiar name in the Health 2.0 space and one of the creators of Google Health. Keas allows companies to pick health goals and compete against each other to lose weight and get in shape, incentivized by a reward system which offers both real and virtual prizes.

The idea is to reduce the cost of healthcare plans and increase productivity in the enterprise by giving employees a wellness program that encourages participation and engagement by creating an experience that is fundamentally social and actually fun. Employees join teams of up to six people, competing for cash (or bragging rights) offered by their employers in pursuit of healthier lifestyles. One corporate client (Chilton hospital) reported that participating teams (about 40 percent of 1,300 employees) lost 1,230 pounds in a 12-week challenge. A great option for healthier workplaces.

Screen shot 2012-12-26 at 4.31.16 AMGympact or Pact, Inc.

Pack, Inc. is a website and iPhone app that aims to complement all those new health data trackers, devices and training apps with an incentive plan that adds another layer of encouragement to get you off your butt. For Pact, the key to achieving your health and fitness goals revolves around negative motivation. Rather handing out points or badges, Pact offers peer pressure and cold, hard cash as its incentive, allowing users to check in and set goals for, say, how many times they?ll hit the gym in a given week and how much they?re willing to pay if they don?t reach that goal.

If you meet your goal, you earn a cash reward, and if not, the money goes into a community pot and is doled out to those who do hit their milestones. Pact Co-founder Yifan Zhang tells us that, since the startup launched in January of last year, it?s managed to retain 50 percent of its users and has been focused on creating value for its partners. For RunKeeper for example, Pact was able to increase RunKeeper usage by 64 percent across the board and by over 520 percent for its least active users by employing its monetary reward structure.

The startup was on its way to 1 million workouts facilitated in 2012, and is getting ready to release its Android app on January 1st, just in time for those New Year?s resolutions. [Check out our coverage here.]

Screen shot 2012-12-26 at 4.34.39 AMCardiio

Along with AliveCor and Azumio, Rock Health grad Cardiio is the maker of a $5 heart rate monitoring app that requires you to touch the iPhone?s camera to capture your pulse ? all you have to do is let the app take a picture of your beautiful mug. The app?s sensors attempt to pick up minute differences in the color of your face that indicate changes in heart rate. It also offers long-term tracking to see how your resting heart rate morphs over time, along with comparisons to population averages. Next, the company plans to use this technology to expand into other types of biofeedback. [More in our coverage here.]

Screen shot 2012-12-26 at 4.35.42 AMAzumio

Thanks the popularity of its biofeedback apps like Instant Heart Rate, Stress Doctor and Stress Check, this startup has seen over 30 million downloads across its iOS and Android apps. In July, it acquired SkyHealth, the makers of Fitness Buddy, one of the top-ranked paid health apps on the App Store. With the acquisition, Azumio now counts 15 health and fitness apps in its portfolio and is on a mission to create a fitness platform that gives users a complete picture of their health, spanning heart rate, stress, sleep behaviors, blood sugar levels and workout routines. With the recent addition of its Fitness Trainer app, Azumio is looking to become a mobile, adaptable personal trainer and health-tracker that allows you to reach your fitness goals without ever going to the gym. [Check out our coverage here.]

Screen shot 2012-12-26 at 4.36.44 AMSkimble

Rock Health grad Skimble has created a motivation and fitness instruction platform with ?Workout Trainer? that offers hundreds of workouts, which are guided by a dynamic audio and visuals aimed at giving aspiring health nuts an easy way to exercise, regardless of how much time they have, or what equipment they have close at hand. The app looks great, and if you upgrade to the startup?s premium service, bland voice-overs are replaced by actual coaches and instructional videos ? a much more rewarding and useful experience.

Users can create their own workouts, adding it to the startup?s sizable multimedia exercise library, get reminders on your phone, via email, Facebook and Twitter, and share progress with friends. The modular database is easy to navigate, the app looks good, and everything syncs with user accounts on Skimble.com, and the subscription plan is affordable at $25/year.

Screen shot 2012-12-26 at 5.24.16 AMFitocracy is a social network that aims to gamify fitness for those RPG lovers out there by awarding you with points, the ability to level-up and win badges in an attempt to encourage you to engage more consistently with your exercise routines and trips to the gym. The invite-only, free web app has you set up a profile, add a pic, your current weight (which you can keep private), and then introduces you to a status feed that shows updates and level-ups from other users, group categories where you can learn about and dig into niche fitness info, Q&As and data, forum-style. The app also includes access to public and group leaderboards, RunKeeper integration, activity trackers, which let you add sets and reps in particular categories, earn points for completing those activities and receiving real time notifications as you progress. The app currently has around 600,000 users. [Check out our coverage here.]

Screen shot 2012-12-26 at 5.27.41 AMEndomondo is a veteran fitness tracking app, launching in 2008, that recently passed 10 million registered users (with 3 million+ coming in 2012 alone), putting it in the ballpark of MapMyFitness, Azumio, RunKeeper and Runtastic. The app, which is especially popular in Europe, is, as Chris wrote recently, ?part personal trainer and part fitness-focused Facebook,? which runs across platforms and lets users track workouts, share with its community of exercise enthusiasts, with a focus on the social and collaborative side of fitness. [More in TC coverage here.]

The Honorables

GAIN Fitness offers personal trainers, digital-style in an app that lets these coaches help you create interactive, personalized work out routines that help you through easy-to-reach fitness goals. Workouts and plans are matched to your personal fitness level, goals and available time ? instantly and from the comfort of your mobile device. [See Colleen's GAIN test drive here.]

Zombies, Run is an awesome running game that immerses you in an action-packed story (mixed with your own music) that you play while jogging in the park or running on a treadmill. Basically, zombies chase you as you run, and the faster you move and better you perform, the longer you remain free from craving brains ? and that is what?s important.

JEFIT is an app that makes training routines and workout regimens that were initially only available to bodybuilders open and free to the average, non-bodybuilder, like you and me. The app lets you choose from a long list of exercises, comes with animations and how-to tips that are searchable by muscle group and available equipment. The app makes it a cinch to track your routines, rest and to sync your data with your web-based account.

Pocket Yoga is by far the best app for developing yoga skills at your own pace, in the comfort of your own home. The app includes voice instruction and visual guides, illustrated images of different poses and posture, as well as a dictionary of postures and positions that describes the benefit of each so that you know why you?re humiliating yourself with something called ?the downward dog.?

Lose It! is another app that helps you shed those extra pounds by allowing you to track your food consumption and compare to previous meals, monitor nutrient-intake (protein, fat, carbs, etc.), log packaged foods through the app?s barcode scanner, and access a sizable database of both foods and activities.

MyFitnessPal offers aspiring weight-shedders a food diary, diet profile and huge database of food items to track calorie intake, along with discussion forums to ask questions of those who?ve already walked similar paths.

Weight Watchers is another oldie-but-goodie that helps you track food intake, calories logged, associate meals and particular foods to a point system that helps you gamify your diet. Weight Watchers was one of the first to do so, and it?s adapted nicely to mobile, where it now allows you to scan barcodes to see the ?point value? of products while you?re at the grocery store.

Everest is a cool app for doing everything from setting goals and dreams, and getting in shape to learning Italian.

DietBet is similar in concept to Pact, Inc, offering a social dieting platform that asks users to make a financial commitment (i.e. put up cash) to encourage themselves and their friends to hit their weight loss targets. Users create teams that compete against each other, with the first person to lose four percent of their starting weight getting the pot (or total money pledged). DietBet verifies weight loss through photos and algorithmic auditing.

HealthRally is another ?crowdmotivator? platform that leverages peer pressure and real, live rewards to help you get healthy. Users can enlist friends and family to rally behind them as supporters, with your cheerleading squad pitching in to pay for a new iPad or some other sweet reward to keep you on track. [Check out our coverage here.]

Beyond Fitness: Awesome HealthTech To Watch

Sherpaa, Practice Fusion, dr chrono, Simplee, Doximity, MotherKnows, LumoBack, Beyond Lucid Technologies, Aidin, CarePlanners, Eligible, NatureBox, Omada Health, HealthTap, CareZone and QuantiaMD

Source: http://techcrunch.com/2013/01/02/best-health-apps/

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Tuesday, January 1, 2013

Idirectmart Garage Ceiling Lift Hoist Storage System for Bicycle ...

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Guest Blogger: Making your New Year's Home Appealing to ...

Guest Blogger #835, Entry #1976, January 1, 2013

When trying to sell your home, first impressions matter. Your home should look its most attractive before you invite potential buyers in for open houses and private showings. A clean, open-space home will appeal the most to potential buyers and help them imagine what the space could look like once they move in.

carpet idea selling home

Ensure your carpets are cleaned

Image via: BHG

Clean Those Carpets

A clean carpet is brighter and fresher than one that?s been accumulating dust, stains, dirt, pet hair, dander and odors for years. Save yourself the effort by calling in a professional carpet cleaning team. In less than a day, they can make the carpets in your home seem like new. Give the carpets a day or two to dry before you move back furniture and let in potential buyers.

Clean carpets are crucial to maximizing your home?s sale value, and the cleaning won?t cost as much as installing new carpets. Plus, there?s a chance the new owners will dislike the carpet and tear it out and install new carpet anyway. There?s no need to spend hundreds or thousands on new carpet when a simple cleaning will suffice.

Clear Out Clutter

Even though you might be living in your home while trying to sell it, it?s crucial you make your home appear less lived-in when potential buyers come by. Buyers have a hard time picturing themselves in clearly defined, cluttered spaces. Get rid of clutter through donation, online auction or a garage sale ? having fewer things will also prove helpful during your move. Put away things you want to keep but won?t use for months in a storage unit or in the attic or basement.

If you can?t put a great deal away in storage, do your best to make the home appear clean and organized. Remove clutter from tables and counters and move it into cupboards, shelves or boxes. Leave only attractive, simple decorations out in the open, such as flower vases or books on a coffee table.

wood floor fireplace interiors

Clear out the clutter from your home

Image via: Convoy

Renovate Affordably

If money were no object, you?d completely renovate your home before a sale to make it as modern, clean and attractive as possible. Even if you had the money, though, there would be little point to changing your house to suit your design tastes before you pass ownership on to someone new. You can, however, make small investments that will go a long way.

Focus on affordable, small renovations that will help to erase the signs of wear and tear on your home. Some ideas include:

  • Painting chipped walls.
  • Removing outdated, dusty wallpaper and painting the walls instead.
  • Swapping out the handles on cupboards for brighter and cleaner handles.
  • Buying new shower curtains.
  • Replacing the shower heads.
  • Swapping out old curtains for new ones.
  • Planting flowers outside the home in spring or summer.

Clean the House

The carpet isn?t the only area that could use a cleaning, although it?s often ignored when sellers try to spruce up their homes. Wherever there?s mold or mildew, you have to get rid of it, as no one will look favorably on that. Use bleach to make tile grout brighter or repaint bathroom walls when necessary.

Clean windows, dust shelving, vacuum the floors and sweep the porch of trimmings and leaves. If you have a pet, run the vacuum one extra time before potential buyers stop by, and use a pet hair attachment on furniture, curtains and anywhere else where fur tends to stick. Even if you?re not selling the furniture, excessive pet fur around the house can be a turn-off. Keep your pets away from the buyers, too.

bright white kitchen

Let in plenty of natural light

Image via: Brown Dress with White Dots

Let In the Light

One last thing: If you?re showing the house during the day, open the curtains and let in natural light, even if you usually don?t. If you?re going to have a number of showings at night, put in brighter light bulbs, or add lamps or light fixtures so that rooms appear brighter when people are looking around.

Shanae Rosado is a contributing blogger and real estate agent. She advises sellers on how to spruce up their homes for open houses in ways such as using carpet cleaning by Coit.

For more home staging and moving tips on Stagetecture, click here.

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Source: http://stagetecture.com/2013/01/guest-blogger-making-your-new-years-home-appealing-to-potential-buyers/

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Playboy Hugh Hefner marries his 'runaway bride'

FILE - In this April 26, 2010 file photo, Hugh Hefner, left, and Crystal Harris arrives at the premiere of "Iron Man 2" at the El Capitan Theatre in Los Angeles. The 86-year-old Playboy magazine founder exchanged vows with his "runaway bride," Crystal Harris, at a private Playboy Mansion ceremony on New Year's Eve. Harris, a 26-year-old "Playmate of the Month" in 2009, broke off a previous engagement to Hefner just before they were to be married in 2011. (AP Photo/Matt Sayles, File)

FILE - In this April 26, 2010 file photo, Hugh Hefner, left, and Crystal Harris arrives at the premiere of "Iron Man 2" at the El Capitan Theatre in Los Angeles. The 86-year-old Playboy magazine founder exchanged vows with his "runaway bride," Crystal Harris, at a private Playboy Mansion ceremony on New Year's Eve. Harris, a 26-year-old "Playmate of the Month" in 2009, broke off a previous engagement to Hefner just before they were to be married in 2011. (AP Photo/Matt Sayles, File)

(AP) ? Hugh Hefner's celebrating the new year as a married man once again.

The 86-year-old Playboy magazine founder exchanged vows with his "runaway bride," Crystal Harris, at a private Playboy Mansion ceremony on New Year's Eve. Harris, a 26-year-old "Playmate of the Month" in 2009, broke off a previous engagement to Hefner just before they were to be married in 2011.

Playboy said on Tuesday that the couple celebrated at a New Year's Eve party at the mansion with guests that included comic Jon Lovitz, Gene Simmons of KISS and baseball star Evan Longoria.

The bride wore a strapless gown in soft pink, Hefner a black tux. Hefner's been married twice before but lived the single life between 1959 and 1989.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2013-01-01-People-Hefner%20Marries/id-a45016c1af45417490925986d5eb37a1

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Monday, December 31, 2012

75 Affirmations for Self Improvement | Life in Small Bites

MAY 4TH, 2011, AUTHOR: STEVEN HANDEL, CATEGORIES:?PSYCHOLOGY

Neurons that fire together wire together. So the more we practice having thoughts or beliefs that benefit our well-being, the more naturally those thoughts and beliefs will play themselves out in our everyday life.

Affirmations are one way to develop new beliefs that can eventually become second-nature. Every morning or evening we can repeat these affirmations with a clear and focused mind, and with practice these beliefs can take hold inside our brains.

One caveat, however, is to make sure that the affirmations you repeat to yourself are congruent with reality, and aligned with your core values. I?ve seen many people come up with delusional affirmations and then attempt to ingrain them into their minds. Even when they do succeed, those beliefs can be detrimental.

Please be aware of the meaning and intention behind the affirmation before you decide to ?program it? into your mind.

The following is just a list of suggestions on some of the affirmations you may want to practice. Feel free to use the ones you think will benefit you, and disregard the ones you disagree with. Hopefully this list can also motivate you to think of some unique affirmations of your own.

I recommend only practicing 1 or 2 affirmations at a time. And the affirmations you choose to practice should largely depend on your current goals in self-improvement.

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75 Affirmations for Self Improvement

1. Everyday, in every way, I am getting better and better.

2. Every failure can be a learning experience.

3. Live in the present moment.

4. I create value in other peoples? lives.

5. I am always changing.

6. I am worthy of positive relationships in my life.

7. I wish the best for everyone.

8. I learn something new everyday.

9. I am genuinely interested in other people.

10. I have many strengths.

11. I don?t worry about the things I can?t control.

12. Listening to my emotions can help guide me to make better decisions.

13. My anxiety is motivation to change or improve.

14. I can overcome obstacles in my life.

15. I am a positive role model to others.

16. I will try something different today.

17. Stepping outside of my comfort zone is necessary for growth.

18. People are generally good.

19. I forgive anyone who has hurt me in the past.

20. I have a rich and supportive social circle.

21. What doesn?t kill me only makes me stronger.

22. My past is one big learning experience.

23. I must be the change I wish to see in the world.

24. I will try to be more understanding of others.

25. Depression is just a stepping stone.

26. This too shall pass.

27. I can find happiness in every moment.

28. I?m a proactive problem-solver.

29. When I open my mind and senses, I?m much more creative.

30. I can create my own positive energy.

31. When people get to know me, they really like me.

32. Just do it.

33. I can see the bigger picture.

34. I see money as a useful tool for helping myself and others.

35. I take small steps everyday to be more healthy.

36. I?m dedicated to my passions in life.

37. I have the resources to take care of my family.

38. My negative emotions can serve a positive function.

39. I determine the meaning of my life.

40. Every decision I make helps shape my destiny.

41. No risk, no reward.

42. I remain focused on what matters.

43. I participate in life, I don?t wait for it to happen.

44. I will be more conscious when acting and making decisions.

45. I can think rationally and intelligently.

46. I?m dedicated to self improvement.

47. I treat others with kindness and respect.

48. If I want something I?ve never had, I must do something I?ve never done.

49. I know when to relax and not take life so seriously.

50. Nature doesn?t hurry, yet all is accomplished.

51. I can accept criticism without taking it personally.

52. I love and accept my body.

53. When I love myself, I allow others to love me too.

54. Most of the limitations in my life are fictional.

55. I narrate the story of my life.

56. I exude purpose and joy.

57. All is well, right here, right now.

58. Today, I open my mind to the endless opportunities surrounding me.

59. I am grateful for the people in my life.

60. I am my own best friend.

61. I can find balance in my life.

62. I am mindful of my health and well-being.

63. I exercise freedom in all aspects of my life.

64. I know when to trust my intuition.

65. I can gain knowledge in anything if I?m willing to learn.

66. I strive to achieve my goals and values in life.

67. I can only give happiness to others once I have found happiness in myself.

68. I?m optimistic about the future.

69. I have all the material luxury I need.

70. I?m thankful for everything in my life.

71. I?m interconnected with everything in the universe.

72. I?m productive in achieving what I want in life.

73. Small changes on a daily basis lead to big changes over time.

74. Most of the time there is nothing to fear.

75. When life gets tough, I can persist.

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Source: http://lifeinsmallbites.com/75-affirmations-for-self-improvement/

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Obama signs renewal of foreign surveillance law aimed at spies, terrorists (Star Tribune)

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Top 12 things that changed in 2012 in Financial Services | Articles


Change is everywhere. But what is striking about the change in the way money is being managed is that this change is accelerating. Financial regulators like RBI, SEBI, IRDA, PFRDA and NHB are bringing in a lot of changes ?in the field of investing, insurance, mutual funds and financial planning/advisory/ consulting.

However, these changes in how your money is managed better can only be effective if the end users are aware of the regulations/changes and act upon it. Here are the 12 changes that happened in 2012 in the field of investments, mutual funds, financial planning, insurance, etc.

Let us start with prominent changes in Banking brought in by RBI:

1. ?Banking Bill

The Bill, which was passed by Parliament on 19 December, is expected to pave the way for more banks in India, the first time after 2003. The newest banks as of now are Kotak Mahindra Bank Ltd and Yes Bank Ltd. The Reserve Bank of India (RBI) is expected to come up with the banking licence guidelines in January 2013. New banks would bring in more competition, a positive for consumers. Last year, when RBI deregulated the interest rate on savings account, Kotak Mahindra and Yes Bank, took the initiative to increase deposit rates.

2. ?No prepayment fee on floating rate home loan

Banks cannot charge a penalty on prepayment of home loans that are on floating interest rates. This move was to reduce the discrimination of rates offered to existing and new borrowers. It also encourages healthy competition among banks resulting in finer pricing of floating rate home loans. Earlier, banks used to charge 2-4% of the loan outstanding as early repayment charges, which forced customers to stick with existing lenders. However, prepayment penalty continues on fixed rate home loans. Even teaser loan customers, who pay a fixed rate only for a particular number of years, are not free of this penalty.

3. ?Aadhaar as KYC

With all banks now accepting Aadhaar cards as a proof of identity as well as address for opening bank savings accounts, the confusion on the card being used as a know-your-client proof is finally over. However, the card or letter can be used as an address proof only if the address on the Aadhaar letter is the same as the actual residential address that is given for communication and other purposes. So, you won?t need documents such as your Permanent Account Number, driving licence or passport if you have your Aadhaar card in place. This is seen a step in the direction of financial inclusion.

Here are the changes that happened in the stock markets:

4. ?RGESS

The government introduced the idea of Rajiv Gandhi Equity Savings Scheme (RGESS), 2012, to encourage retail participation in the capital market. While the initial idea was to get investors interested in direct equity, eventually a certain category of mutual funds was also included. Under the scheme, new investors with annual income up to Rs.10 lakh can invest up to Rs.50,000 to be eligible for a tax break. The capital markets regulator, Securities and Exchange Board of India (Sebi), has asked stock exchanges and assets management companies to list the eligible stocks, exchange-traded funds and schemes on their website.

5. ?IPO allotment

Non-allotment of shares in popular public issues is a common crib of retail investors. To address the issue, Sebi decided to modify the allotment system in such a way that a large number of retail applicants, subject to availability of shares, will get the minimum bid lot. For example, in an issue that is oversubscribed, the system will first allot the minimum bid lot to all retail investors. However, the new system will not be of use in case the issue is not oversubscribed and in cases where the issue is highly oversubscribed and shares on offer are not sufficient to fulfil even the minimum lot criteria.

6. ?Draft regulations on financial advisors

SEBI is differentiating between advisors and agents. The advisor is supposed to give advice on the basis of the needs of their customers and give product recommendations only. The agents are the ones who will actually distribute the financial products for a commission. Though the regulations are in the draft stage, it is important to be able to differentiate between a fee based advisor and a commission based agent.

7. ?High cost

Mutual funds (MFs) can now charge higher expenses if they go in the tier 3/4 towns. According to Sebi, if an MF gets at least 30% gross new inflows in the scheme or at least 15% of its assets from ?beyond top 15 cities?, whichever is higher, the fund house will be allowed to charge an additional 30 basis points to the total expense ratio. MFs will be allowed to charge another 20 basis points as exit load charges since exit load collections from investors will now be directly credited to schemes. Most fund houses have already hiked charges.

8. ?Another KYC

Effective 30 November 2012, the new know-your-customer (KYC) norms came into effect. If you had done your KYC by 2011, you will now need to do an in-person verification (IPV). Simply put, your distributor or fund house?whoever does your KYC?will need to physically verify your identity and that you are alive. If you do not do your IPV, you won?t be allowed to invest in any fund house afresh. In other words, until you get your IPV done, you will not be allowed to invest in fund houses other than those in which you are already invested in.

9. ?Draft direct plan for mutual funds

All Mutual Fund AMCs are expected to bring out a "Direct Plan" version of their schemes from January 1, 2013. This direct plan will have a lower expense ratio as there is no payout for the advisor/agent as it is being bought by the customers directly. More details are yet to come.

10. ?Insurance Product reforms

2012 saw deliberations on product design of insurance policies, especially traditional insurance-cum-investment plans that are opaque in terms of costs structure. In its draft guidelines, the Insurance Regulatory and Development Authority (Irda) has proposed that traditional plans with unbundled cost structure will have to conform to costs caps the way unit-linked insurance plans (Ulips) do. The finance bill 2012 increased the sum assured to 10 times the annual premiums (the earlier limit was five times) for the policies to enjoy tax benefits on contributions under section 80C and on maturity under section 10(10D) of the Income-tax Act. In order to fast-track product clearance, the industry is also working on standard products that do not have in-built riders or explicit guarantees or innovative features.

11. ?Bank as insurance brokers

After the finance minister suggested that banks wanting to sell policies of multiple insurers should consider becoming insurance brokers, the draft on bancassurance formulated in November 2011 was modified to include the suggestion. According to the latest draft, banks have three options: to continue tying up with one insurer across the country; have limited tie-ups across states; or to become an insurance broker.

12. ?Draft rules on health insurance

The draft guidelines on health insurance policies propose that all health policies should be renewable for lifetime. The draft also states that once the pricing is approved, the premium shouldn?t be changed for at least a year and after that not without proper justification. The guidelines also ask insurers to provide a premium table (showing stages of loading) so that the policyholder gets an idea about the likely increase in premium at the time of buying the policy. The draft also proposes an outer limit of 30 days to settle health insurance claims.

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Source: http://personalfinance201.com/Articles/top-12-things-that-changed-in-2012-in-financial-services.html

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