Category: smeucwyy

Parastatal spending spree

first_img6 February 2006State-owned enterprises Eskom and Transnet are to get the lion’s share of the more than R370 billion set aside by government for infrastructure development, Deputy President Phumzile Mlambo-Ngcuka said on Monday.Briefing the media in Cape Town on Government’s Accelerated and Shared Growth Initiative (ASGISA), Mlambo-Ngcuka said 40 percent of the R372 billion in state investment announced by President Thabo Mbeki on Friday in his State of the Nation Address would go to public enterprises.Infrastructure upgradeEskom will be spending R84 billion, she said, mostly on energy generation, transmission and distribution. Transnet would be spending R47 billion, with R40 billion of this going to harbours, ports, railways and a petroleum pipeline.The Airports Company of South Africa will be spending R5,2 billion on airport improvement and the Dube Trade Port, while R19,7 billion will go to water infrastructure.South Africa’s hosting of the 2010 Soccer World Cup will lead to spending on the building or improving the 10 stadiums to be used, along with investment in the environment around stadia, as well as on access to these World Cup venues, the deputy president said.TelecommunicationsInformation and communications technology will also receive investment, “with a strategy to rapidly grow South Africa’s broadband network”.This will also be facilitated by the pending operationalisation of a second national telecoms operator later this year, which is part of a broader plan to reduce telephony costs more rapidly in a bid to boost the call centre sector in South Africa, which has already attracted 5 000 jobs so far.This sector has the potential, she said, to create 100 000 additional jobs, directly or indirectly, by 2009, and marketing, skills/training, telecoms costs and regulatory challenges are being addressed towards meeting this.The other immediate priority sector is tourism. “This sector . is ready for a second phase of growth that could take its contribution to GDP from about 8% to about 12%, and increase employment by up to 400 000 people by 2014,” said the deputy president.Job creationWith South Africa’s unemployment rate at 26.7 percent, the infrastructure programme also has the key focus of creating and sustaining jobs, along with a programme to address a “maintenance backlog”.One of the key problems in job creation is a skills crisis. The deputy president said today that 70 percent of South Africa’s population was under 35 years of age, and the government intended to increase access to adult education and proceed with a number of other training programmes.Skills shortageThe drive for skills is a critical priority for South Africa and a lack of these threatens to derail some of the interventions being undertaken by ASGISA, said Mlambo-Ngcuka.The “binding constraint” of a skills shortage is receiving urgent attention, said the deputy president.“For both the public infrastructure and the private investment programmes, the single greatest impediment is the shortage of skills – including professional skills such as engineers and scientists, managers and financial personnel, project managers; and skilled technical employees such as IT specialists and artisans,” said Mlambo-Ngcuka.If necessary, skilled labour will be imported from outside the country, she said, while a new initiative, the Joint Initiative for Priority Skills Acquisition (JIPSA), that was mentioned also by Mbeki in the State of the Nation address, is to be established next month.The job of JIPSA will be “to confirm the urgently needed skills and find quick and effective solutions”.“Solutions may include special training programmes, bringing in retirees or South Africans who are working outside SA, and drawing in new immigrants when necessary.”Overarching goalMeanwhile, other binding constraints being addressed by ASGISA are the volatility and level of the currency; the cost, efficiency and capacity of national logistics system such as freight transport; barriers to entry to markets for new businesses, limits to competition and limited new investment opportunities; a loaded regulatory environment and the burden this places on small and medium-sized businesses; and deficiencies in state organisation, capacity and leadership.These are all receiving urgent attention, said the deputy president, as South Africa strives to achieve an annual growth rate averaging 4.5 percent or higher, while between 2010 and 2014 South Africa will seek a growth rate of at least six percent or higher.An overarching goal through achieving a six percent growth rate is to meet the Millennium Development Goals of halving extreme poverty and unemployment by 2015.The target for government is to get unemployment to below 15 percent, said Mlambo-Ngcuka.Source: BuaNewslast_img read more

Cape film industry pulls investors

first_img14 March 2007Cape Town’s film boom has attracted 120 investments worth over R52-million to the region since July 2005, injecting over R2.6-billion into the Western Cape economy, says the Cape Film Commission.Commission chief executive Laurence Mitchell told Cape Business News last week that 2006 was a successful year for film in the Western Cape, with positive partnerships between the government and the film industry as well as significant international investment in the province.According to the commission, film activity during 2005/06 included 2 100 photography shooting days and the production of 687 film and TV commercials and 30 feature films – including major international movies such as Blood Diamond and Goodbye Bafana.There are currently 150 production companies, 1 650 skilled supply companies and six world-class equipment rental companies in the province.The Cape Film Commission, a joint initiative of the City of Cape Town and the Western Cape government, was set up in 1999 in response to the rapid growth of the film industry in the province. The city has contributed R3.32-million to the commission, and the province R11.2-million, since 2002.Last week, the commission told the city’s portfolio committee for economic and social development, tourism and property management that it had fielded over 22 000 industry-related inquiries between July 2005 and December 2006.During the same period, the commission said, it had given assistance to just over 1 000 small businesses and 400 empowerment firms, trained 974 people, established 55 new businesses, hosted 74 industry events, and created over 2 000 new jobs.The city’s portfolio head for economic and social development, tourism and property management Simon Grindrod told Cape Business News said the city had decided to abolish film location tariffs on council land.“The phasing out of all tariffs charged to the film industry is one initiative that needs to be investigated as a vehicle to attract more business to the city in this sector,” Grindrod said.“Capetonians also must be educated and encouraged to help the City become more film-friendly. This will require a shift in attitude from one of resenting the inconvenience of location shoots to one of appreciating the direct benefits of the film industry.” reporter Want to use this article in your publication or on your website?See: Using SAinfo materiallast_img read more

Lake Erie Bill of Rights up for a vote on Feb. 26

first_imgShare Facebook Twitter Google + LinkedIn Pinterest By Matt Reese and Joel PenhorwoodThe folks in Toledo are at it again and this time they have secured a place on the ballot on Feb. 26 for the creation of a Lake Erie Bill of Rights (LEBOR). There was a failed attempt to get this on the 2018 November ballot in Toledo. The effort to get LEBOR on the ballot is being supported by out-of-state interests but it could have a very real in-state impact for a wide range of businesses.LEBOR opens up the possibility of thousands of lawsuits against any entity that could be doing harm to Lake Erie. This includes agricultural operations.“This is a proposed amendment to the Toledo City Charter that would essentially seek to give the Lake standing in court. It would allow citizens of Toledo the ability to bring cases on behalf of the Lake. It says the Lake should be free of pollution and things that could harm the Lake. It makes the Lake act as a person almost who can bring charges against people for harming it,” said Leah Curtis, director of agricultural law for Ohio Farm Bureau. “There is a concern that agriculture would be one of those industries that would be charged or sued with these lawsuits that could potentially come out of this charter amendment. It could really apply to anyone —not just agriculture — anyone who does something that might end up harming the Lake. It could be a leaky septic system or other industries that may have permits that put limitations on what they can and cannot do. The Lake Erie Bill of Rights also invalidates those permits if those permits allow for any harm to Lake Erie. It has wide reaching effects. It has issues for lots of areas.”The Ohio Farm Bureau, along with the Ohio Soybean Association, Ohio Corn and Wheat, and the Ohio Pork Council, filed an amicus brief against the provision in the fall and again in January outlining the significant legal shortcomings with the measure. While LEBOR is not legally sound, and likely unconstitutional and unenforceable, the probable lawsuits resulting from its passage could cost significant money in legal fees for targeted businesses to defend themselves. Pass or fail on Feb. 26, Curtis said that the strategy of litigation being used in this manner and the effort to sue on behalf of Lake Erie are likely not going away.“We are going to continue to see litigation used as a way to create regulations and limitations on industry. It is not new. It has been done for a long time,” she said. “We are definitely seeing it become a more used strategy for a lot of groups as a way of bringing things they can’t get through the legislative process so they go to the courts instead.”last_img read more

Nitish Kumar is out to destroy me: Upendra Kushwaha

first_imgBihar Chief Minister and JD(U) president Nitish Kumar is out to destroy me, NDA ally and Union Minister Upendra Kushwaha said on Monday, following the reports that legislators of his Rashtriya Lok Samata Party MLAs may switch to JD(U). Mr. Kushwaha, called on opposition leader Sharad Yadav who had walked out of JD(U) last year. Calling Mr. Yadav as his “marg darshak” or mentor, Mr. Kushwaha said the meeting was merely to discuss the issues related to social justice.Mr. Kushwaha has threatened to walk out of the National Democratic Alliance if he is not given three Lok Sabha seats in the upcoming parliamentary elections. “Nitish Kumar has a habit of breaking parties. I do not know why he has come down to destroy Upendra Kushwaha and his party. But no matter what he does he can not harm me,” Mr Kushwaha said. There are reports that RLSP MLA Sudhanshu Shekhar met newly-appointed JD(U) vice president Prashant Kishor. He, along with another legislator Lalan Paswan. are speculated to switch loyalities to JD(U). Mr. Kushwaha said the BJP must intercede in this ongoing tussle between him and Mr. Kumar. “We are both in NDA and we are supposed to work together. I do not think Nitishji should do all of this,” he said. Mr. Kushwaha has also sought a meeting with BJP president Amit Shah to raise the issue.last_img read more

Cracking the Gene Code

first_imgIt’s easy to make tea. But what if you don’t have vessels, a stove or ingredients? Dr Arka Subhra Ghosh, 35, is aiming to solve this conundrum, not about tea, but about genetic defects.Ghosh loves questions, science and comic books, though maybe not in that order. And he believes that if one has “cool tools” like Batman or Iron Man, all answers are just round the corner.  “Science fiction of today is science of tomorrow. Even stuff like Captain Kirk’s ‘Beam me up, Scotty,’ in the hit sci-fi series Star Trek, will happen soon,” he says with conviction.Inspired by the anything-is-possible spirit, popularised by Aamir Khan’s character Rancho in the film 3 Idiots, Ghosh left his job at the Institute of Molecular and Cell Biology in Singapore and moved lock, stock and barrel to Bangalore looking for “answers”. A PhD in Gene Therapy from the University of Missouri-Columbia, US, Ghosh is setting up an ambitious lab called Genes Repair, Regeneration in Opthalmic Workstation (GROW), to research genetic defects. Said to be the first such lab in India, it will be set up at the premier Narayana Nethralaya eye hospital, with an initial investment of Rs 3.5 crore. Ghosh would begin with research on eye-related genetic defects like dry eyes, coning of the retina (keratoconus) and eye cancer (retinoblastoma). “The aim is to develop gene and cell therapy as a platform for not only ocular diseases, but other genetic diseases and cancers as well,” Ghosh says.According to him, gene therapy technology is simple: “We use a benign virus or a nano particle like a courier. We take out the virus’s own genes and fill in the shell with the material we want to send to the defective gene. When this courier reaches its destination, it will provoke the gene to generate the required proteins and correct the genetic problem.”Narayana Nethralaya vice-chairperson Dr Rohit Shetty, the brain behind GROW, tells India Today, “We hope to raise philanthropic grants and take forward gene therapy, which I feel, will find solutions for genetic defects faster than stem cells. There is not much awareness of gene therapy in India and we need to change that.”When Ghosh and his fellow-geneticist wife Anuprita went to study to the US in 2002, they were firm that they would bring back the Western scientific culture and apply it to India. He is now putting together a diverse team of doctors, scientists, chemists, engineers and stem cell researchers to make the lab a direct link between doctors, who deal with actual problems and scientists, who find solutions.  “Once our laboratories are set up, we will be able to collaborate and compete with other laboratories worldwide in the field of molecular medicine,” he explains.His son Advin, 7, is not told that rainbows are God’s way of sprinkling love on the world. “I explained to him the refraction of light that causes rainbows,” Ghosh admits.Ghosh’s father, Prajit, a retired nuclear scientist, gave his son the love for science. “I didn’t top my classes in school. I am just an average guy.” Just like every superhero often claims.advertisementlast_img read more

Bollywood now playing with sport-themed movies

first_imgBiopics on Sachin Tendulkar, M S Dhoni and Mohd Azharuddin are set to release. May 04, 2016 × SHARE SHARE EMAIL Published on COMMENTS With just one movie hitting the ₹100-crore mark in box-office collection this year, Bollywood seems to turning to the tried and tested theme of sports. At least four sports-themed films are in the pipeline this year, including a biopic of Sachin Tendulkar.Emraan Hashmi-starrer Azhar based on cricketer Mohammed Azharuddin’s life is due for its release on May 13. This will be followed by a film on Mahendra Singh Dhoni – MS Dhoni: The Untold Story. This Sushant Singh-starrer is slated to hit the silver screen on September 2.Sachin: A Billion Dreams, a biopic of iconic batsman will be directed by James Erskine. Erskine is known for films about the sporting world. Mumbai-based production company 200 Not Out is the maker of the film and the posters of the film says 55 Days of Training. One Pair of Trousers.Sneha Rajani, Deputy President and Head, Motion Pictures Division, Sony Pictures Networks, says, “Sports-based films are of two kinds — one based on the sport itself and another based on the lives of the sportsmen. While the former genre has met with varying degrees of commercial and critical success, the latter has been far more successful (in particular biopics) that’s grown in recent past with films like Mary Kom and Bhaag Milkha Bhaag or like our next Azhar.” Yet another sports-inspired film that will hit the screen this year is Aamir Khan-starrer Dangal and Salman Khan’s Sultan. While Aamir’s film will have him essay the role of wrestler Mahavir Singh Phogat, Salman Khan’s film has the actor playing the role of a Haryanvi wrestler.Previously, sports biopics such as Bhaag Milkha Bhaag based on sprinter Milkha Singh’s life had clocked a box-office collection of ₹100 crore. Others like boxer Mary Kom’s biopic too, had a decent box-office run. The Priyanka Chopra-starrer too had reportedly clocked a collection of ₹60 crore. Since January only one Bollywood movie – Airlift has crossed the ₹100-crore mark. The industry us hoping that the previous formula would uplift the box office collections.Trade analyst Amod Mehra says that there aren’t too many film tapping into sports as a genre.“Mary Kom was a heroine-oriented film. Only Chak De was a major success in genre. Several films are in the pipeline but it is hard to say if these will be crowd pullers. The players on whom the films are being made have met with success and there is hope cinema based on their lives”center_img Biopics of Sachin, Dhoni and Azhar on the floor Biopics on Sachin Tendulkar, M S Dhoni and Mohd Azharuddin are set to release. cinema COMMENT SHARElast_img read more

Zopo Speed X smartphone with dual camera set up, Niki chatbot launched in India

first_imgZopo Mobile, a China-based smartphone maker has announced new smartphone dubbed as Speed X in India. The smartphone comes with Niki, an artificial intelligence based chatbot funded by Ratan Tata. The company says that Niki chatbot will give users options to shop from more than 20 e-commerce sites. They will simply have to chat with Niki to pay bills, book cabs, buses, hotels, movie tickets and a lot more, just within seconds.The company has not revealed the price and availability of the device yet but it will be available in four colour options- Space Grey, Charcoal Black, Orchid Gold and Royale Gold. The Zopo Speed X sports a 5-inch full HD 2.5D ARC display with a resolution of 1920x 1080 pixels. There is a fingerprint sensor placed at the back of the phone.The Speed X is powered by a MT6753 Octa-core 64-bit processor clocked at the speed of a 1.3GHz coupled with Mali T720GPU and 3GB RAM. The Speed X smartphone packs in 32GB of internal storage which can be expanded up to 128GB via microSD card. The device runs Android 7.0 Nougat and is backed by a non-removable 2680mAh battery. The USP of the Zopo Speed X is its dual cameras at the back.The Zopo Speed X comes with two cameras at the back- 13MP+2MP. For selfie-enthusiasts, the smartphone packs in 13MP front camera. Only last month, Zopo launched the Color M5 smartphone in India. The smartphone comes with a 5-inch screen with a resolution of 480 x 854 pixels. The phone starts at price of Rs 5,950. The Color M5 runs Android Marshmallow and is powered by a 2100mAh non removable battery.advertisementlast_img read more

Health Savings Accounts for Beginners

first_img Post navigation High Deductible Health Plans paired with Health Savings Accounts (HSAs) are one of the fastest growing types of plans.Are you just opening an HSA or still trying to figure out how yours works? Many people find the idea of managing not just a health plan, but now a health plan with a linked savings account, a little daunting. How much should you save? What can you spend the money on?An HSA doesn’t have to complicate life. If you can get behind a few simple tips, you could be on your way to big savings.WHEN: Open your HSA right away.Don’t wait until you have medical expenses. Any expenses that you incur before you open the account won’t qualify for reimbursement.HOW MUCH: Max it out first.In general, you can take advantage of the full tax benefits of an HSA by contributing the maximum allowed—within reason of your budget, of course. HSAs have the best tax benefits compared to IRAs or 401ks.You never pay taxes for contributions, interest, or distributions, so put the maximum contribution in your HSA first. The exception is if your employer matches 401k contributions—then, it’s best to put your money in the 401k up to the matched amount.WHO: Spend on you, your spouse, and your dependents.If you have family health insurance, you can pay for your spouse’s medical expenses with your HSA even if your spouse doesn’t share the HSA.WHAT: Get your medical supplies.Check out what purchases you already make that qualify as HSA expenses. You can use your HSA on items such as bandages, crutches, contacts and contact solution, or breast pumps and lactation supplies.WHAT: Pay for premiums.In general, you can’t use HSA funds on health insurance premiums but there are some exceptions:COBRA benefitsMedicare premiumsInsurance premiums after age 65Long-term care insurance.WHAT: Finally, don’t spend it at all.Instead, pay your medical bills with non-HSA money. Sounds counter-intuitive, right? Didn’t you save that money just so you could use it on health care?While this is the purpose of an HSA, you also have the option to just let the money grow. HSA funds grow tax-deferred, so you won’t pay any tax ever unless you use the funds to pay for non-medical expenses (at least until age 65).Tomer Shoval is the CEO and Co-Founder of Simplee, a free online personal health care expense management tool. Connect with him on twitter, facebook or email. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Relatedlast_img read more

How to Break Through a Customer Service Script

first_imgTalk to me.That’s all customers like you want when they call a company. They want someone to talk to them.But corporations don’t always talk back. Last week, I mentioned the second-generation form letters many consumers were getting.Turns out there’s a little more to the story.For the better part of the last decade, large companies have scripted many of their most common call-center responses.What does that mean?Well basically, when you contact a company with a question, the agent can type in the issue into their computer and receive a “scripted” response that will answer the question.Then they read it back to you.It’s done mostly with online chats, but to some extent by phone, too.Try this: Call your PC support desk and ask for help. Noticed that little pause between when you ask the question and get an answer?Does the reply seem … well, as if someone read it? Odds are, you’re being fed a line. Literally.Doubling downAlthough the most innovative companies are getting rid of scripting altogether, others are doubling down.I know, because I hear from their customers.They describe the frustration of being stuck in this surreal conversation with call center agents, who talk to them without actually solving their problems.They’re in a call-script nightmare.You never know when you’re going to get trapped in a scripted call. My advice has always been to stay off the phone as much as possible, since it doesn’t create a paper trail.But there is a way out.Ask if they’re reading.Nothing jolts agents out of a script faster than asking them if they’re reading a script.You don’t have to be confrontational about it. You might even turn it into a joke. “Did you just read that answer?”Pick up the pace.Scripting only works when the agent has time to pull up a response.If you quicken the pace of the conversation by indicating that you’re pressed for time, you may be able to short-circuit the process.Remember, the object here is to get a real response from an agent — not some corporate double-speak that makes you go round and round in circles.Faster is better.Ask them a question to which there can be no scripted answer.If the trick is to simply disengage the agent from a script and get a real answer, you might try something to which there can be no scripted response.“Where are you?” followed by “How’s the weather?” may be enough to crack the script continuum.It may not be enough to keep it that way. But stay with me.Request a supervisor.Even though call center supervisors have access to all the call center scripts, they are essentially working without one when your call is transferred to them.But getting one can be tough.Call center workers are known to transfer “supervisor” calls to colleagues, who just continue reading from their scripts. Be sure to ask to speak with the agent’s direct supervisor.Answer the question with a question.Only use this as a last resort, because as far as strategies go, this one is as annoying as being fed a line. Answer the question with another question.It’s a last resort because while it may result in the agent going off-script, it may also make the employee disconnect the call and make a notation in your record that you were a problem caller.(Yes, they can do that.)Hopefully, it will never come to that.Smart companies and organizations are jettisoning their call center scripts in favor of real dialogue.The only companies that continue using them are the misguided corporations who think they can rely on an uneducated, inarticulate workforce of call center drones who simply read from their computers instead of helping customers.If you find that none of these solutions work, you can always hang up and try again.Or you can try communicating with a company through email or social media.Christopher Elliott is a consumer advocate who blogs about getting better customer service at On Your Side. Connect with him on Twitter and Facebook or send him your questions by email.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Related Post navigationlast_img read more

Can Gratitude Fix Your Relationship With Money?

first_imgWhen you’re trying to get your financial house in order, it’s easy to get lost in the specifics. You might stress about how to adjust your budget, where to find some extra cash for the holidays or what funds to choose for your portfolio. But sometimes, making the right financial choices will only take you so far. Many of us have deeper issues with money – issues that can’t be resolved with spreadsheets or budgeting apps. As much as we might like to think that our financial choices stem from cold logic, they’re more likely to come from emotion. It’s certainly not the rational part of your brain choosing to order a $400 pair of shoes after a bad work week. But there is hope for shopaholics and penny pinchers alike. New research has shown a promising way to improve your relationship with money, as well as your overall happiness. Here’s how gratitude can help. How Gratitude Makes People Save There are a multitude of reasons why people struggle to save for retirement. Maybe they feel like they don’t know enough about investing. Maybe they’re not yet eligible for a company 401k. Maybe they have a spending problem that precludes them from putting away money each month. But more often than not, it’s because they don’t see the point of preparing for something so far in the future. If you struggle with this line of thinking, gratitude can steer you into the right mindset.  A 2014 study conducted by researchers from Northeastern University, University of California Riverside and Harvard University divided people into three groups. The first group had to write about a time they were grateful, while the second group wrote about a time they were happy. The third wrote about an average day. Then, they were asked to choose between getting a small amount of money now or a larger amount in the future. The second and third groups were more likely to ask for money now, but the grateful group was more willing to wait. The researchers concluded that gratitude curbs impatience and overindulging. By reflecting on things you’re already grateful for, you become less inclined to seek out immediate satisfaction or pleasure. This has implications not only for those struggling to save, but also for those struggling with a shopping habit. How Gratitude Can Help Overspending  Let’s imagine you’re in a really bad mood. You just found out your boss wasn’t thrilled with your latest project at work, the guy you’re dating is ghosting you and your friends are all celebrating promotions, engagements and other milestones. During this moment, you might be tempted to reach for the plastic and indulge in some retail therapy. You go online, buy some things on Amazon that you don’t really need, order takeout and a bottle of wine and sit down to binge on Netflix.  Instead of alleviating your symptoms, you’ve probably just made things worse. Now you feel guilty for overspending, overeating and letting your emotions take the wheel. Next time you feel crappy and want to splurge, take a moment to feel grateful instead. Write down some things you appreciate, like a cat you love or an apartment that’s decorated to your taste. Keep a running list that you turn to in moments of weakness, and try to add one new thing every time.Why Gratitude Works A study from the University of Berkeley examined how gratitude could help college students who were already in counseling for mental health issues. The students were divided into three groups. One group had to write letters expressing gratitude to someone, a second group had to write about negative experiences they’ve had, and the third group didn’t have a writing assignment. The first group had greater results than the other two groups, with the side effects carrying on for 12 weeks after the experiment. By learning to focus on the genuine positivity already existing in their lives, the students were able to distance themselves from toxic emotions and ideas.  I’ve had my own personal experiences with the power of gratitude over the years, but lately it’s become an even more important part of my life. I’m currently dealing with some health problems that require surgery, and it’s been a struggle to stay positive.  But even though I’m scared of the long operation and even longer recovery, I’m grateful that I can afford it all. I’ve met people who can’t afford the same surgery I’m getting, and I’m thankful to not need a Kickstarter or GoFundMe just to pay my medical bills. How to Become Grateful To start a gratitude practice, pick a time of day to reflect on what you’re grateful for. Choose the same time everyday, as this will help you develop the practice into a habit.  Then, decide how you want to record your thoughts of gratitude. You can pick a physical notebook or write in the margins of your day planner. Some people choose to send emails to themselves. Like with any habit, start slow at first. Write down one thing you’re grateful for and add more over time. If you can’t think of anything new, try to deepen your appreciation for one of the things you already listed. Take the time to be grateful in everyday situations, even if it seems corny.  Be specific when you can. Instead of saying, “I’m grateful for my health,” say, “I’m grateful that I have the time and money to go to the gym and buy lots of vegetables.” The more you can flesh out your feelings of gratitude, the more you’ll feel that gratitude building inside you. When you start this new practice, consider asking a friend to do it with you. My husband and I have a habit of reciting what we’re grateful for during our evening dog walk, and it’s now become second nature. When you find yourself stressing about financial problems or comparing yourself to wealthier friends and family, stop and write down what you have to be grateful for. It can be as small as your daily text chain with your sister or as significant as your relationship with your spouse. Over time, gratitude will become a fundamental part of your worldview. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedFreelancer Money Woes: How to Beat ThemApril 24, 2019In “Early Career”How to Know If You’re Ready To Buy a HouseJuly 19, 2018In “Housing Finances”How to Talk Money in a Relationship: Dos and Don’tsFebruary 14, 2019In “Money Etiquette” Post navigationlast_img read more