Wednesday, 30 January 2013

SmOkiNg vs $$$$


Smoking cost money as well as affecting your health. Cigarettes are now day became expensive and by quitting of your can save lot of your $$$$. This bad habit is become expensive by day today by increasing of tax. Stop smoking can save your money as well saving for future.

  Direct Costs

     Rutgers University calculated that a $10-a-day smoking habit will set you back $3,650 each year, and that doesn't include potential interest that could have been earned by investing the money. Looking at it like that is about as close as you can get to literally setting your money on fire and watching it burn. And the price of a pack continues to climb. According to TobaccoFreeKids.org, the average amount of state tax levied is $1.45 per pack; add to that an additional $1.01 for the Federal government and it is obvious smokers are dumping a windfall into regulatory pockets.

Indirect Costs

The indirect cost to smokers is no small matter. Consider the following expenses smokers
pay more for health insurance coverage if they can get it at all unless you smoke outside consistently, the resale value of your house will likely drop considerably and these days you can even be fired from your job for smoking or, at the very least, penalized financially by your employer. A survey by the Society of HR Managers, and cited by MSN Money, revealed 5 percent of employers prefer not to hire smokers and 1 percent will not hire them under any condition. Weyco, a medical benefits administrator company in Michigan, tests both employees and spouses for smoking. If found "guilty" they pay a $80 monthly surcharge. But it's not just the medical industry. Even Alaska Airlines will not hire anyone who tests positive for nicotine.


        Medical
 Giving-Up-Smoking.info estimates that in a two-smoker household a full 15 percent of the household budget goes to feeding the addiction through cigarette purchases, which leaves less money down the road to pay for the high-cost medicines needed to treat smoking-related illnesses like lung cancer, emphysema and a host of others. Factor in rising health care costs, which don't appear to be moderating any time soon, and the financial stress of dealing with deteriorating health can cause even more health issues to arise: insomnia, migraine headaches, poor diet. Taken as a whole, it's easy to see that the financial problems caused by smoking go far beyond the few dollars you lay down for a pack of cigarettes.

Monday, 28 January 2013

GirLs & FooD InVestmEnt....


Organic food
International marketing studies have shown that women are more likely to buy organic food than men (though they’re also less likely to pay for organics if they aren’t a good deal). In one such study, women said they were motivated by a concern for the environment and for their personal health. Armed with this info, the marketers said they could zero in on women more and make the industry “more competitive.” Sounds great, right? This means women are taking the reigns, steering spending greens on green? Well, sometimes making a show of being sustainable and earth-friendly has trumped the actual cause.
Instead, savvy lady:
An organic strawberry that has traveled thousands of miles from China may not be the best thing for you-or the environment. Though calculating “food miles” can be complicated, the average piece of American produce travels 1300 to 2000 miles, so consider buying produce from a local farmer at a market. Also, that new organic jar of Prego spaghetti sauce has 470 mg of sodium in a half cup. Just because something hails as organic doesn’t mean that it’s better for you, by all means.


Energy bars made “just for women”

The energy bar market is certainly hot. Nestle threw its money into Powerbar and Kraft bought up Balance Bar for a reason. (Yes, your chocolate-y snack is healthy, love.) Powerbar’s Pria and the Luna bar would like the ladies to think that there’s a bar made just for them.
Instead: Experts say that the word “energy” on a bar simply means it has calories. You’re better off eating whole foods-fruits and vegetables, which have all of the intangibles and photochemicals that an engineered food source doesn’t. Also, if you take a multivitamin daily, you’ll get all of the recommended daily intakes that you need-and you’re body cannot absorb more of them anyway