Sunday, April 14, 2013
- Health: Get enough sleep. Most adults need about 8 hours of sleep each night or we develop “sleep debt.”
- Wealth: Don’t expect something for nothing. Be leery of offers promising guaranteed investment returns.
Monday, April 15, 2013
- Health: Get daily exercise of at least 30 minutes on most days for good physical health.
- Wealth: Know your federal marginal income tax bracket. Your marginal tax rate is the percentage at which your last dollar of income is taxed.
Tuesday, April 16, 2013
- Health: Try new vegetables. Most Americans eat only a few vegetables and can expand their horizons.
- Wealth: When car payments end, make the monthly “payment” to yourself to save up a down payment for your next car. If you save $250 a month for three years, you’ll have $9,000!
Wednesday, April 17, 2013
- Health: Read Nutrition Facts Labels on food packages and avoid food high in fat, salt, sugar, and calories.
- Wealth: Shop around for credit, just like other purchases. Follow the “Rule of 3” and compare three lenders’ APR, fees, rewards, and other loan terms.
Thursday, April 18, 2013
- Health: Write down what you eat and drink and how much. Studies have found greater weight loss by trackers than by others who do not track their food and beverage intake.
- Wealth: Avoid borrowing money from high-cost finance companies. Apply at a bank or credit union first.
Friday, April 19, 2013
- Health: Keep a food diary for several weeks. When people measure or monitor their behavior, they are often inspired to do better.
- Wealth: Negotiate credit card terms. Many card issuers will reduce fees and/or interest upon request. State the interest rate that you are requesting instead of asking “Will you lower my credit card interest rate?”
Saturday, April 20, 2013
- Health: Eat healthy and green. Choose whole unprocessed foods and vegetables as much as possible.
- Wealth: Plan your use of plastic. Know the “float” time between the date that a purchase is made and when the bill for purchases is due. The longer the float, the more time you have to come up with the money.