7 Gadgets Retrofitted for the Future

first_imgMy birthday is on Halloween, so every year I get super excited. I plan what my costume will be, decide how I want to celebrate and text all my friends to let them know. Last year, I was finally able… Full Story,Technology has transformed the way we dine out in groups. Gone are the days when friends take turns treating each other to nights on the town. Now that apps make money accessible everywhere, tabs are paid down to the cent… Full Story,Occupation: Copywriter Industry: Digital Marketing Age: 29 Location: Indianapolis, IN Paycheck (BiWeekly): $2,100/mo after HSA and 401(k) removed Monthly Expenses: Rent: $462.50 Car lease: $300 Insurances: $85 All other expenses Utilities: $200/mo Pet supplies: $30/mo Phone: $50/mo Streaming services: $15/mo… Full Story,Occupation: Digital advertising Age: 30 Location: San Francisco Bay Area Income: $5,200 month net post 401K, health insurance / HSA, and taxes Total Debt: $0 Monthly Expenses: Rent and utilities: $1,800 Auto: $275 including car insurance Internet/mobile: $120 10:00 am:… Full Story,The holidays are time for family. Here are some fun ideas from our friends at Quotacy on how to make the most of this holiday season with your loved ones, with a bit of humor. ?   With the rise… Full Story,Occupation: Social Media Manager Industry: Digital Marketing Age: 26 Location: Indianapolis, IN Paycheck: $2,500/month after health/vision insurance deductions Monthly Expenses Rent: $700 Car Insurance: $65 Renters Insurance: $16 Utilities: $75 (Internet, Electric, Gas) Dental Insurance (not through work): $15 Hulu:… Full Story,On November 30th, The Financial Diet is kicking off their nationwide book tour for The Financial Diet: A Total Beginner’s Guide To Getting Good With Money in New York.  Join us when the tour hits your city and don’t forget… Full Story,Occupation: Data Analyst Industry: Digital Marketing Age: 31 Location: Menlo Park, CA Paycheck (BiWeekly): $1,700 after auto-savings, 401k, ESPP purchase, renters & auto insurance and health care removed I have everything removed automatically as I have trouble with in-the-moment spending…. Full Story,Occupation: Account Services & Freelance Writer Industry: Digital Marketing Age: 39 Location: Longmont, CO Paycheck (3): $4,700/mo includes salary and three freelance clients (side hustles) Monthly Expenses Rent: $900 Car loan: $275 Credit card payment: $450 All other expenses… Full Story,If you’re still in college or a recent grad working with a limited budget, the idea of implementing a healthy lifestyle can seem overwhelming and very expensive. If you aren’t careful, you might find yourself shelling out lots of cash… Full Storylast_img read more

Simple, (Mostly) Free Ways to Lower Your Utility Bills This Summer

first_imgMy birthday is on Halloween, so every year I get super excited. I plan what my costume will be, decide how I want to celebrate and text all my friends to let them know. Last year, I was finally able… Full Story,Technology has transformed the way we dine out in groups. Gone are the days when friends take turns treating each other to nights on the town. Now that apps make money accessible everywhere, tabs are paid down to the cent… Full Story,Occupation: Copywriter Industry: Digital Marketing Age: 29 Location: Indianapolis, IN Paycheck (BiWeekly): $2,100/mo after HSA and 401(k) removed Monthly Expenses: Rent: $462.50 Car lease: $300 Insurances: $85 All other expenses Utilities: $200/mo Pet supplies: $30/mo Phone: $50/mo Streaming services: $15/mo… Full Story,Occupation: Digital advertising Age: 30 Location: San Francisco Bay Area Income: $5,200 month net post 401K, health insurance / HSA, and taxes Total Debt: $0 Monthly Expenses: Rent and utilities: $1,800 Auto: $275 including car insurance Internet/mobile: $120 10:00 am:… Full Story,The holidays are time for family. Here are some fun ideas from our friends at Quotacy on how to make the most of this holiday season with your loved ones, with a bit of humor. ?   With the rise… Full Story,Occupation: Social Media Manager Industry: Digital Marketing Age: 26 Location: Indianapolis, IN Paycheck: $2,500/month after health/vision insurance deductions Monthly Expenses Rent: $700 Car Insurance: $65 Renters Insurance: $16 Utilities: $75 (Internet, Electric, Gas) Dental Insurance (not through work): $15 Hulu:… Full Story,On November 30th, The Financial Diet is kicking off their nationwide book tour for The Financial Diet: A Total Beginner’s Guide To Getting Good With Money in New York.  Join us when the tour hits your city and don’t forget… Full Story,Occupation: Data Analyst Industry: Digital Marketing Age: 31 Location: Menlo Park, CA Paycheck (BiWeekly): $1,700 after auto-savings, 401k, ESPP purchase, renters & auto insurance and health care removed I have everything removed automatically as I have trouble with in-the-moment spending…. Full Story,Occupation: Account Services & Freelance Writer Industry: Digital Marketing Age: 39 Location: Longmont, CO Paycheck (3): $4,700/mo includes salary and three freelance clients (side hustles) Monthly Expenses Rent: $900 Car loan: $275 Credit card payment: $450 All other expenses… Full Story,If you’re still in college or a recent grad working with a limited budget, the idea of implementing a healthy lifestyle can seem overwhelming and very expensive. If you aren’t careful, you might find yourself shelling out lots of cash… Full Storylast_img read more

NAFTA Renegotiation Gives Cities, States and Provinces a Chance to Create a Clean Energy Strategy

first_imgThis article was originally posted on the Huffington Post.This week, officials from the United States, Mexico and Canada will begin renegotiating the North American Free Trade Agreement (NAFTA). Energy Secretary Rick Perry has cited the occasion as an opportunity to create a new, continent-wide energy strategy. Given the administration’s focus on fossil fuels in its energy agenda, however, it would be unsurprising if its vision for such a strategy includes more oil and gas development, more cross-border pipelines, and more pollution threatening the North American people and environment.It is therefore up to U.S. cities, states and businesses to work with Mexican and Canadian partners to create a North American energy strategy that protects the continent from the effects of climate change—and positions each country to benefit from the global shift to clean energy. This shift means big business for North America—a fact that seems to be lost on the current administration. Already, the solar industry alone accounts for 43 percent of employment in the U.S. electric power generation sector, providing more than 370,000 jobs in 2016 compared to approximately 86,000 in the coal industry.U.S. cities and states are up to the challenge. Although President Trump has stated his intention to withdraw the United States from the Paris Agreement, non-federal leaders across the country are stepping up in unprecedented numbers to lead the global climate effort. More than 200 cities and 9 states, for example, have joined the We Are Still In coalition, which has pledged to continue the fight against climate change and support the goals of the Paris pact.These U.S. cities and states, along with the cities, states, provinces and national governments of Canada and Mexico, should collaborate to accelerate the cost reductions that clean energy has seen in recent years. Together, they should collectively commit to more ambitious clean energy deployment targets, to demonstrate to the world that North America is still interested in bold climate leadership.Jobs, Cleaner Air, Reliable PowerAt home, this would translate into jobs, less pollution and safe and reliable power. It would also make progress toward the pledges that the United States, Mexico, and Canada made at the 2016 North American Leaders’ Summit: reaching 50 percent clean power generation across North America by 2025; advancing appliance efficiency standards, which lessen costs for businesses and families; and reducing methane and black carbon pollution, which endangers the health of our populations and our planet.A North American energy strategy should also promote a clean and equitable transportation system. Given that this sector is second only to electricity generation in terms of carbon pollution, it’s a common-sense move to significantly improve local air quality in metropolitan areas. By working together to expand vehicle electrification, states, cities and provinces can fight climate change and improve the health and productivity of their citizens.Cooperation on carbon pricing to encourage clean energy deployment should be part of a North American energy strategy as well. The use of carbon pricing is already growing across the region. Building on existing provincial success, Canada will implement its nationwide program by 2018. Eighty-six percent of Canada’s population is already covered by a carbon price, and this number will rise to 100 percent under the national benchmark. Meanwhile, Mexico has a national carbon tax and intends to implement an emissions trading market by 2021.Absent federal leadership, U.S. states should consider coordinating and potentially linking with these programs when feasible. The California-Quebec linked cap-and-trade system has already shown that integration is possible, promotes economic growth and provides regulatory certainty for businesses and investors. By harmonizing carbon pricing systems—within borders, but also across them—jurisdictions can avoid a patchwork of policies and promote deeper and more cost-effective emissions reductions.As the rest of the world positions itself to lead and benefit from a clean energy future, a robust North American energy strategy is critical to the region’s long-term success—and in today’s world, an energy strategy must be a climate strategy. With a U.S. national plan focused on fossil fuel development, the future for North American clean energy collaboration lies with states, provinces, cities and businesses. Together, they can chart the course for a clean growth agenda. And with the global clean energy market valued at more than a trillion dollars, it would do much more to capture the expanding economic opportunity than simply betting on the past.last_img read more