Run With Endurance

Be honest?have you ever driven by a runner who is jogging alongside the road and thought, Why would someone ever want to do that? That guy is crazy!

We?ve got a lot of runners around Dave?s office?half marathoners, full marathoners and even a few triathletes?and they will be the first to tell you that, yes, maybe they are a little wacky.

You?ve got to be a little weird to run for three or four hours, right? Sometimes, you may be out there in the rain at 5 a.m. You might have to dodge absent-minded drivers on the roads. You could find yourself fighting off stray dogs and enduring bruised toenails, all while wearing tights and a blinking vest. These things are pretty common for serious runners.

Training to run an endurance race isn?t something you just do on a whim. You?ve got to make a plan and follow it. You?ve got to understand that you will have aches and pains and ups and downs, but it will all be worth it when you cross that finish line. You?ve got to pace yourself and, literally, take your training one step at a time. If you jump out of the gate too early, then you are destined to fail.

Just the thought of running a marathon might make you tired, but the truth is that physical endurance training isn?t that different from healthy money management. If you can make a plan to get out of debt, you can make a plan to run a marathon.

Chad Nikazy is a triathlete and personal trainer who also works on Dave?s Counselor Training team. He says that ?almost anyone can run a half marathon or compete in a triathlon. Training is all about discipline and commitment to a lifestyle change.?

Sound familiar? If you?ve ever worked your way out of debt, then you know that Chad?s thoughts on training are relevant to money as well. But the similarities don?t stop there.

?There are lots of potential pitfalls along the way,? Chad says. ?You shouldn?t start too fast. That?s a recipe for disaster, so think about baby steps. And, also, you can?t train inconsistently. You have to commit to doing the work. If you do the work, you?ll succeed and have fun doing it. If you do half the work, you?ll struggle and hate the process and result.?

Just like working your debt snowball, training for an endurance race is something you have to take in small bites. If you jump in thinking you?re going to get out of debt in a month or run 10 miles on your first try, then you?ve got another thing coming.

?Set small and measurable goals, and build upon them,? Chad comments. With training, ?Start with something like setting your alarm clock for 5:30 a.m. every day, and then get up!? In financial terms, that simply means to pay off those small debts first?which all starts with budgeting extra money to put toward your smallest balance and paying it on time.

Besides being similar in nature, endurance sports and getting out of debt are also part of living a healthy and well-rounded life. If you are out of debt but 100 pounds overweight, then you?ve only solved part of the puzzle.

Take that same sense of commitment and self-sacrifice you put toward your money and focus it on your health. Whether you train for an endurance race, a 5K, or you want to simply stay on your treadmill for ten minutes, you?ve got what it takes to succeed. Put in the time and the effort, and you?ll see results.

Get weird with your money and your health, and?who knows??by December, you could be out of debt and crossing the finish line of your first half marathon. Don?t be normal this year! Start tracking your goals now with the Goal Tracker tool at mytotalmoneymakeover.com now!

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Source: http://www.daveramsey.com/article/run-with-endurance/lifeandmoney_other

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American Eagle Riding Arab Spring To $18 Stock Price

We believe the growing store count in Middle-East to provide some respite to American Eagle, particularly when the company may face a margin crunch due to the scale of its promotions in holidays.

Source: http://www.forbes.com/sites/greatspeculations/2012/01/03/american-eagle-riding-arab-spring-to-18-stock-price/

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Why TV Viewers Will Sing Apple's Praises in 2012

Apple productsIf one Wall Street analyst is right, Apple (AAPL) is about to make TV buffs very happy in the coming year.

Sterne Agee analyst Shawn Wu notes that the inevitable launch of a full-blown Apple TV in 2012 will also be accompanied by an Internet-based television service for which the channels and shows will be completely customizable. In other words, viewers will be able to choose exactly which cable channels or TV shows they want to watch, and not have to pay for the dozens -- if not hundreds -- of channels that they don't want.

"I finally cracked it," Steve Jobs told his biographer when discussing television, shortly before he died.

Jobs may have been talking about the interface, remote control, or perhaps cloud storage of content, but what if he was already thinking ahead to the biggest gripe that consumers have with their escalating cable bills.

Farewell to the 'ESPN Tax'

Traditional cable and satellite television bills are getting out of hand.

Media tracker SNL Kagan claims that ESPN sets distributors back a hefty $4.69 a month per home. Since ESPN is part of most standard cable packages, it's not as if couch potatoes that don't care about sports can opt out of ESPN without downgrading to the most basic of packages that includes mostly the over-the-air channels that they could get on their own with an HD antenna.

Cable networks also often force cable and satellite companies to carry their lesser channels in order to get the more popular channels. For example, Madison Square Garden (MSG) may require a company that wants its flagship MSG channel to also carry its rarely watched Fuse music video channel.

Letting the customers who ultimately pay the bills for these negotiated bundles decide what they want to pay for -- and what they don't -- is the right thing to do, but even the mighty Apple is going to have a hard time convincing broadcasters to do the right thing.

Apple TVApple TV Just Got Even More Interesting

If homes can save money by customizing their channel lineups, it will also mean that the content creators will make less. Audiences for individual networks will shrink, and with that the subscription revenue and -- for those that run commercials -- what advertisers are willing to pay for 30-second spots.

Networks are scalable businesses with high fixed costs. Production costs for new shows aren't cut in half if their audiences are halved. So what Apple is trying to do should be worrying cable network executives, while at the same time delighting the viewers who are left shaking their heads every month when the cable bill arrives.

Then again, if anyone can do this it's Apple. Record executives weren't ready for digital distribution when Apple made legal music downloads cool through iTunes. Nobody wanted a tablet until Apple rolled out the iPad. Apple has been successful because it can see where the market is heading before anyone else.

Cable networks will fight this to the very end, but Apple and its growing army of couch potatoes will get their way -- or abandon the networks altogether.

Longtime Motley Fool contributor Rick Munarriz does not own shares in any of the stocks in this article. The Motley Fool owns shares of Madison Square Garden and Apple. Motley Fool newsletter services have recommended buying shares of Apple. Motley Fool newsletter services have recommended creating a bull call spread position in Apple.


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Source: http://www.dailyfinance.com/2012/01/02/why-tv-viewers-will-sing-apples-praises-in-2012/

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WATCH: Upset Loss Leaves Arsenal Manager Angry, Cold


Arsenal's hopes for a spot in the Champions League took a big hit today when Fulham scored two late goals. The second goal during extra time, and both goals came just after Johan Djourou was sent off with a red card.

Instead of picking up three points and jumping up into a tie for third place in the Premier League table (top three spots get automatic berths into the Champions League), Arsenal remains in fifth place, just two points clear of Liverpool.

The frustrating loss left Arsenal manager Arsene Wenger visibly upset...and cold. If only he could find somebody to listen to his angry pleas...

 

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Source: http://feedproxy.google.com/~r/businessinsider/~3/B_5v3IBzlyY/epl-upset-loss-leaves-arsenal-manager-angry-cold-2012-1

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Discover the Finest Used Car Loan Rates

Supplier ads steadily announce “the perfect used automobile mortgage charges available”, but the interest rates differ enormously, so how are you aware who is telling the reality? And it is not simply the auto dealerships who put out billboards offering the perfect automobile mortgage charges in town, finance corporations and a wide range of other [...]

Source: http://www.legaldebthelponline.com/2012/01/01/discover-the-finest-used-car-loan-rates/

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SoundCloud Just Raised A Monster $50 Million Round And Mary Meeker Is On Board


soundcloud

Mary Meeker of Kleiner Perkins Caufield & Byers is joining SoundCloud's board of advisors after her firm led a monster $50 million round in the music sharing service, TechCrunch reports.

The round values SoundCloud at $200 million, with GGV capital also participating in the round, according to the site.

SoundCloud is basically the YouTube for sound and music. You record sounds — music, speech or anything like that — and upload it to SoundCloud. It then crunches the sound and gives it a visual waveform component and lets you share it with your friends.

You can add a comment that will show up at a specific time in the sound file, making it useful for collaborative sound production.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/19FIdMoz4_s/soundcloud-just-raised-50-million-and-mary-meeker-is-on-board-2012-1

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