Take Control of Your Personal Finances with New Express Bill Pay

Five words or less(NewsUSA) – We all work hard for our money, which in turn is divided up to pay our bills. That’s how it works. But with the added stress of managing daily life, managing bill payment can often be overwhelming and sometimes get overlooked. It can be hard to keep track of what’s due and when; never mind those bills that have fallen through the cracks and are late.
Here are some tips to help, according to finance experts:
* Learn Self-Control — Learn the fine art of delay gratification, and you’ll soon find it easy to keep your finances in order. Although you can effortlessly purchase an item on credit the minute you want it, it’s better to wait until you’ve actually saved up the money. In this way, you may even be able to get a deal by paying cash at the outset.
* Take Control of Your Own Financial Future — Find a personal finance app. It is an essential component for managing modern life. Personal finance apps help remind you to pay bills, keep an eye on account balances, and stay within budgets — things we need to do daily and for which we often need reminders. For example, Express Canada recently launched a free, web-based application that will offer a more improved approach to users’ cash flow management and regular bill payment, which will invariably improve the credit rating with service providers. Payment for bills are made directly from XBP International to service providers by a click of a button. Users receive regular reminders for upcoming and overdue bills through email notifications, which improve regular bill paying habits. Users can also easily track and reconcile accounts with services providers.
* Know Where Your Money Goes — It is extremely important to make sure your expenses aren’t exceeding your income. The best way to do this is by budgeting. In addition, keeping your recurring monthly expenses as low as possible will also save you big bucks over time.
“Plan Bill Payment” from XBP International is a perfect solution, developed by Express Canada (Ca) Corp., a Canadian corporation with a specialty in developing financing and business solutions for individuals, corporate and government. XBP International provides users with a schedule of the cash amount needed for the next 30 days. This enables users to coordinate paycheck or available cash with bill payment schedules — a great financial planning tool.
* Start an Emergency Fund – Having money in savings to use for emergencies can keep you out of trouble financially and help you sleep better at night — especially when those large life events occur. Also, if you get into the habit of saving money and treating it as a non-negotiable monthly “expense,” pretty soon you’ll have more than just emergency money saved up.
Banking and managing money keep getting easier. All the financial capabilities are a far cry from the pre-Internet days, when tracking expenses involved saving receipts, opening paper bills, and writing down every time you gave someone a fistful of cash.
For more information, visit https://xbp.today

Optimism About Farm Economy Remains Robust, Says New Economic Indicator

Five words or less(NewsUSA) – One year ago, Purdue and CME Group launched the Ag Economy Barometer, the first economic indicator to help gauge the monthly outlook of the U.S. farm economy. Since its inception, the barometer has measured farmers’ sentiment through market-moving events — such as Brexit, the U.S. presidential election and key agricultural reports — and continues to be an important tool for taking the temperature of the nation’s agricultural sector.
Each month, the barometer measures the confidence of 400 food producers regarding the farm economy and key economic drivers, resulting in a barometer reading that represents sentiment. The barometer reading is published on the first Tuesday of each month, indicating whether sentiment has improved or declined month over month or above or below the baseline score of 100.
Since Purdue and CME Group started fielding this research, the barometer has seen a significant rise in producer optimism from 116 to 130 points, due to unexpected factors beyond commodity prices. Sentiment began rising steadily after the U.S. presidential election in November and reached an all-time peak of 153 points in January, when Donald Trump took office.
“Over the last year, we learned that producer expectations are a driving force of sentiment, not solely day-to-day changes in commodity prices or even overall profitability,” says Jim Mintert, director of Purdue’s Center for Commercial Agriculture and principal investigator for the barometer.
“While near-term economic conditions in agriculture barely changed around the election, producers’ attitudes improved with expectations of less regulation and tax reform down the line.”
“Agriculture is a key component of the global economy, so understanding the health of the farming community is critical to get the full picture,” says Fred Seamon, CME Group executive director of commodity research & product development.
“We’re pleased that the barometer is providing vital insight into an industry on which consumers so heavily rely, and will continue to do so.”
Results for the Ag Economy Barometer are tabulated and published on the first Tuesday of each month by Purdue University. To learn more about the barometer, survey methodology or to view the most recent results, visit www.purdue.edu/agbarometer

Non-Profit Venture Fund Seeks to Support The American Dream

(NewsUSA) – An innovative venture fund is creating opportunities to support the American Dream by providing capital and resources to small businesses. ProgressWorks is a non-profit 501(c)(3) U.S. job-creation venture fund with a mission to facilitate job creation and retention in the United States. Its vision is to impact the growth of employment through targeted investment, strategic partnering, and resources that reduce the challenges small businesses face when seeking capital.The non-profit raises capital through memberships, sponsorships, donations, and investments in the fund. Capital is deployed into qualified business transactions with the sole purpose of job creation and retention. Target investments can be startups or existing businesses in any industry. When the fund receives a return on its investments, it redeploys the capital and profits into new projects."ProgressWorks was created by and is operated by investment banking and venture capital professionals with experience in investing and operating businesses from technology to logging," states CEO Roy Y. Salisbury. "Our goal is to do good for our country by creating a legacy that continues to infuse capital into the lifeblood of the American Dream: small businesses."To help facilitate transactions and create opportunities, on August 18, 2017, the first ProgressWorks Opportunity Expo will be held at the Disneyland Resort in Southern California. The Expo will bring together capital sources, companies, executives, and professional resource providers. Key to the event will be the PitchFest competitions, where companies seeking capital will have three minutes to present to a panel of judges and investors. There will be three categories, with the grand prize winner in each category receiving $10,000.The Expo is structured as a vacation-destination event, with discounted hotel rooms, and park tickets, and the chance for sponsors, exhibitors, and attendees to bring their families and find new opportunities while enjoying a tax-deductible mini-vacation.Without American entrepreneurship, we would not have Apple, Google, Facebook, Starbucks, or countless companies that are a part of our daily lives. ProgressWorks aims to help the next wave of small businesses pursue the American Dream, creating new jobs in the process.Here are five ProgressWorks initiatives:1. Membership Drive. Members support a worthwhile cause, and receive opportunities and benefits.2. Funds Development. Investors can participate in ProgressWorks bond offerings, compliant with federal securities laws, and support the funding of companies while receiving a fixed rate of return.3. ProgressWorks Opportunity Expo. This is the best way for businesses seeking expansion capital to present themselves for investment consideration. Another is by competing in the PitchFest competition.4. Expansion. The non-profit is seeking volunteers across the United States to start the building of a national infrastructure. Successful volunteers who staff operations and develop business will be first in line for paid positions.5. Scholarships. Current and future students can participate in membership drives and earn scholarship dollars towards tuition, books, tools, housing and food. Students must be enrolled in a curriculum with good prospects for employment.To learn more, visit www.ProgressWorks.org. For more about the Expo, go to www.ProgressWorksExpo.org.

¿Desea tomar el camino menos transitado? Aquí le explicamos c ó mo

Five words or less(NewsUSA) – En las rutas con paisajes puede haber caminos complejos divertidos, pero es totalmente diferente a navegar por la vía; no olvide estos consejos para mantenerse seguro y evitar quedar atrapado.
–Obstá culos simples: cuando está pensando conducir en arena, nieve o lodo, desinfle sus neumá ticos para mejorar la tracci ó n, disminuyendo las huellas de los mismos. Mantenga el momento y si sus ruedas comienzan a girar en la arena o en la nieve, disminuya un poco la velocidad. Si está en el lodo, mantenga las ruedas girando para ayudar a limpiar el lodo de los neumá ticos.
–Obstá culos complicados: cuando se acerca a grandes rocas, troncos o zanjas durante su viaje en rutas externas, t ó melos en un á ngulo, para que solo un neumá tico esté en el obstá culo, mientras los otros tres se mantienen al nivel del piso para maximizar la tracci ó n. Coloque un neumá tico en el obstá culo, luego conduzca despacio para ayudar a proteger el chasis de su vehículo.
–Colinas: siempre piense en un plan de escape en caso de que su viaje no resulte según lo esperado. Sin embargo, puede aumentar sus probabilidades de conducir de manera segura en las colinas, si se aproxima recto hacia ellas para obtener mayor tracci ó n en las cuatro ruedas. Utilice la velocidad má s alta posible para subir la colina c ó modamente.
Pearse Umlauf, Presidente y Gerente General de Jeep Jamboree, dice que tener los vehículos y neumá ticos correctos, permite tener experiencias incomparables en la carretera. “Las Jeep Jamborees son para fines de semana de aventura en rutas externas que hacen que las personas pongan los pies sobre la tierra, para que disfruten de sus Jeep 4×4 al aire libre”, dijo Umlauf, quien trabaja en la coordinaci ó n de operaciones para el uso seguro y mantenimiento de los vehículos para rutas externas en EEUU y el mundo.
Señal ó que los neumá ticos BFGoodrich será n los neumá ticos oficiales de la Jeep Jamboree en el 2017.
Cuando está listo para ir al campo, Del Albright, sal ó n de la fama de los deportes de motor todo terreno, y BFGoodrich Performance Team Expert, tienen 50 años de experiencia en manejo con neumá ticos en caminos. “El neumá tico todo terreno T/A KO2 es mi favorito, con un diseño fuerte y duradero que lo hace ideal para los conductores todo terreno que desean probar sus vehículos o que solo disfrutan el campo”, dijo. Albright también es un defensor a tiempo completo de la conservaci ó n y preservaci ó n de los caminos para el uso de los conductores todo terreno. Uno de sus caminos favoritos, el camino Rubicon en Lake Tahoe, California, estuvo en riesgo de cierre debido a la erosi ó n; sin embargo, Albright lider ó a un grupo de voluntarios para que repararan los lugares con problemas y preservaran el camino para los conductores todo terreno y otras personas que disfrutan del aire libre. Algunos de sus otros caminos favoritos incluyen: el Rausch Creek Off-Road Park (Pennsylvania), el San Hallow State Park (Utah) y el camino Hatfield-McCoy (Virginia occidental).
Para obtener mayor informaci ó n sobre BFGoodrich y de aventuras en ruta, visite www.bfgoodrichtires.com

Esta prueba de huella para los neumá ticos, Easy Tire, sólo cuesta un centavo

Five words or less(NewsUSA) – Los neumá ticos pueden no ser la primera cosa que usted nota cuando mira un automóvil, sin embargo puede ser el elemento má s importante para la seguridad y el funcionamiento de cualquier vehículo. Cuando lo piensa, ellos son la única parte de su auto que lo conecta a la carretera.
Mientras que los frenos paran sus ruedas, son sus neumá ticos los que detienen el auto, y ése es el porqué mantenerlos es absolutamente delicado. Afortunadamente, uno de los chequeos de neumá ticos má s importantes no le costará má s de un centavo!
Una vez al mes, o antes de dirigirse a un largo viaje por carretera, revise sus neumá ticos para verificar el desgaste y cualquier daño usando “la prueba del centavo”. Sólo tome un centavo y seleccione un punto en su neumá tico donde la banda de rodadura aparece má s baja. Luego, manteniendo el cuerpo de Lincoln entre el pulgar y el índice, coloque la cabeza de Lincoln en uno de los surcos. Si cualquier parte de la cabeza de Abe Lincoln está cubierta por la banda de rodadura, usted está conduciendo con una cantidad legal y segura de la banda.
Sin embargo, si toda la cabeza de Lincoln es visible, es una señal de que es hora de conseguir neumá ticos nuevos.
“La tracción y la banda de rodadura está n inextricablemente unidas. Las ranuras en su neumá tico son fundamentales para ayudar a levantar el agua y permitir que el neumá tico se agarre la carretera”, dice Sarah Robinson, experta en seguridad de Michelin. “Asegurarse de que está conduciendo con neumá ticos con una banda de rodadura adecuada puede ser la diferencia entre evitar un accidente y convertirse en parte de él”.
Si es hora de conseguir neumá ticos nuevos, considere estos dos factores en primer lugar:
1. Seguridad: La mayoría de los neumá ticos funcionan bien en situaciones cotidianas, pero en condiciones difíciles revelará n sus diferencias. Elija neumá ticos que puedan funcionar bien en los peores tipos de clima o carreteras que encuentre. Por ejemplo, si usted vive en una región con fuertes nevadas intensas e inviernos fríos, considere neumá ticos de invierno durante parte del año. La diferencia puede ser enorme.
2. Valor: Es importante recordar que no todos los neumá ticos son iguales. Los neumá ticos pueden parecer un gasto adicional al mantenimiento general del automóvil, pero invertir en neumá ticos de calidad conocidos por un rendimiento duradero, como Michelin Defender con su garantía de 80 000 millas, le ahorrará dinero con el tiempo a medida que sus neumá ticos no necesita ser reemplazados tan rá pidamente.
Para obtener má s información, visite www.MichelinMan.com

Los faná ticos de todo terrenos se preocupan por los caminos

Five words or less(NewsUSA) – Un cuarteto de los clubes de todo terreno son los ganadores del programa Outstanding Trails del 2016, patrocinado por BFGoodrich Tires, en asociación con 4 Wheel Parts, United Four Wheel Drive Associations, Blue Ribbon Coalition y Off Road Business Association.
Los clubs y sus caminos nominados son:
–Club Mile-Hi Jeep: camino Sidewinder, Colorado.
–Ohio River Four Wheelers: Daniel Boone Backcountry Byway, Kentucky.
–Club Grand Mesa Jeep: 21 Road, Grand Junction, Colorado.
–Club Piston’s Wild Motorsports: camino Hagen Creek, Yacolt Burn State Forest, Washington.
El programa Outstanding Trails, ahora en su 11 degree aniversario, fue creado para promover la conservación y responsabilidad del manejo de los todo terreno. El programa invita a los clubes de todo terreno de toda América del Norte para nominar caminos locales que necesitan mantenimiento o mejoras. Un panel de jueces selecciona a los clubes y caminos ganadores, los cuales son elegidos según características únicas, el terreno y el apoyo el club.
Los cuatro clubes de todo terreno elegidos cada año reciben $ 4 000 cada uno, para utilizarlos en los esfuerzos locales de preservación y protección de los caminos de sus comunidades. Ademá s, algunos representantes de BFGoodrich Tires asistirá n a los eventos del club que estén relacionados con los caminos ganadores, para destacar las características únicas de cada ubicación y para educar a los conductores de todo terreno en cuanto a la responsabilidad del uso de los caminos.
“El dicho dice así, ‘cuando la teoría se pone a prueba’, y en
BFGoodrich, no solo nos lo tomamos en serio, sino que también creemos que ‘cuando el camino se pone a prueba’ es igualmente importante y que inicia con los neumá ticos todo terreno T/A KO2”, dice Oscar Pereda de
BFGoodrich. “En nuestros primeros diez años con el programa Outstanding Trails, hemos ayudado a mejorar, reparar, mantener y proteger cerca de 50 caminos en 17 Estados y dos provincias canadienses”.
Cada uno de los clubes ganadores tiene planes para mejorar y mantener sus caminos locales. Uno en particular ha tomado un paso má s allá en la conservación del camino en sí mismo, para incluir animales que viven allí. El Club Grand Mesa Jeep “ha adoptado el camino de la Ruta 21 y otros caminos locales y está comprometido con su protección y mantenimiento,” según el presidente del club, Jeff Bates. Sin embargo, el club no solo ha adoptado la vía, sino también al sapo de espuelas de la Gran Cuenca (también conocido como el “sapo de la Ruta 21”), una especie en peligro de extinción en el á rea. “El club se ha comprometido a proteger el há bitat de los sapos en por lo menos tres á reas a los largo del camino, con postes y cables”, dice Bates.
Visite bfgoodrichtires.com para obtener mayor información.

How Many Years Does it Take to Become a Doctor of Chiropractic?

(NewsUSA) – Did you know it takes seven years of higher education, intensive study, and rigorous training to become a doctor of chiropractic?Yep, it’s true. So next time you visit one – whether it’s to treat a musculoskeletal condition or even get advice on proper nutrition – know that he or she truly is committed to helping people move from pain to well-being. Watch the video here: https://youtu.be/1xgTwsJ0xhk 

How to Enjoy a Live Sporting Event in Style

(NewsUSA) – Are you ready for some football!? As football camps commence and America begins to prep for the upcoming season, sports fans are gearing up for the country’s most popular sport.Indeed, as summer eases into the fall season, it’s a grand time to be a sports fan, what with football starting and baseball heading into the stretch run for the playoffs. Whatever your sports heart desires, however, there’s a certain code of conduct when you’re supporting your favorite team at the next home game. Remember, there’s a fine line between a rabid fan and an obnoxious one.To ensure your next trip to the arena or stadium is as relaxing and successful as ever, here are some essential items to bring and keep in mind:* Alcohol consumption and watching sports go hand in hand. Certainly enjoy a nice tall beer and some good-natured booing with your fellow fans, but remember to be a good citizen and respectful of your stadium neighbor(s).* Pack binoculars and seat cushions. You’ll never be more comfortable and glued to the action when you can see the plays and players as if you’re on the field.* Bring some snacks and drinks. If your venue allows, it’s always wise to keep hydrated with bottles of water.* Don’t forget your spittoon. Being at an arena or stadium crammed shoulder to shoulder with someone can be uncomfortable and leave you exposed to say the least. If you’re a smokeless tobacco user, there’s even less opportunity to take a discreet "dip" and spit.That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are designed to allow users to easily open and close with just one hand, making them ideal items to bring to the next sports event or any other public setting so you can privately enjoy your tasty tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks.For more information, please visit www.flasr.com

Accessories That Are Easy, Convenient and Portable

HandyAccessoriesSome of your favorite accessories are the ones you reach for again and again, those items that are portable, easy, and convenient. When shopping for accessories for everyday use, special events, or travel, several factors stand out. The following tips will help you identify accessories that will make your life easier.

    • Easy. Ease of use is a top consideration in everyone’s favorite, go-to accessories. Be it a wallet with just the right number of slots, a purse with pockets in just the right place, or a smartphone case that doubles as an ID holder, the right accessories make your life easier. If you’re a smokeless tobacco user, a portable spittoon that can be open and shut with one hand makes it easy to enjoy smokeless tobacco on the go. The portable spittoon from Atlanta-based FLASR features a one-hand operational design for ease of use.

Nationals Ballpark Teams With Lansinoh for Nursing Suite

Five words or less(NewsUSA) – Families with young children now have their own space at Washington Nationals baseball games, thanks to a partnership with breastfeeding product company Lansinoh, whose global headquarters is located in nearby Alexandria, Va.
Although breastfeeding in the stands at a ballgame is any mom’s right, the Washington Nationals offer an alternative for moms who want one: a cool, quiet, comfortable space that provides privacy while allowing moms to keep an eye on the game. The Lansinoh Nursing Lounge at Nationals Park is conveniently located just off the first base line and offers areas for breastfeeding, pumping and diaper changes, as well as a sink for rinsing pump parts, outlets for phone charging or other electrical needs and a toddler play area. Of course, the lounge is also outfitted with TVs so visitors won’t miss the action on the field.
“We are excited to unveil a dedicated and comfortable space for nursing mothers,” Valerie Camillo, Chief of Revenue and Marketing Officer for the Washington Nationals, said in a press release. “We truly value the fantastic feedback fans offered us, and are grateful for Lansinoh’s assistance in creating this space.” The lounge opening occurs during World Breastfeeding Week, an international initiative to raise awareness and acceptance of breastfeeding, and follows the release of findings from the 2015 Lansinoh Global Breastfeeding Survey. The survey included more than 13,000 pregnant women or new mothers in 10 countries. Overall, 96 percent of women agreed that breastfeeding is the best way to feed their babies.
However, approximately one-third of the women surveyed said that breastfeeding in public was embarrassing. Having dedicated private spaces for breastfeeding, such as the Lansinoh Nursing Lounge, can help support breastfeeding by making the process easier and more comfortable for moms who would feel more comfortable using an alternative space.
“As a local DC-area company and longtime advocate for moms and babies, we were thrilled to help design and support the creation of the Lansinoh Nursing Lounge,” Kevin Vyse-Peacock, CEO of Lansinoh, said. “Lansinoh is committed to providing breastfeeding solutions for every family, and we are very happy to work with the Nationals, who continue to demonstrate their commitment to supporting all of their fans.”
The Lansinoh Lounge opened on August 6, 2015, for the Nationals’ home game against the Arizona Diamondbacks.
Lansinoh is a global leader in breastfeeding accessories. Please visit www.lansinoh.com for more information.