The Eurozone Train Wreck Continues Into 2017

The European Union seems to be trying to hold itself together, but it is indeed wobbling itself apart like an aircraft engine with an unbalanced propeller and the vibrations are getting worse reverberating from one side of the continent to the other, where no nation is spared from the challenges which await – so what can we expect in 2017 you ask?

Well, “Brexit” has already had some effect on Germany and other nations are considering similar exits from the EU, which could quicken its demise. The recent Italian vote was problematic as is the condition of the Italian banks. Remember when Greece got caught short? Do you remember in 2014 what was going on in the EU? Let me remind you quickly:

MSNBC Money “China, France drag on global manufacturing revival,” published on February 3, 2014, written by Jonathan Cable and Koh Gui Qing which stated; “Manufacturers around the world enjoyed a solid start to the year as order books swelled, surveys showed on Monday, though a struggle for growth in China and a downturn in France took the shine off the overall picture. Euro zone factories had their best month since mid-2011 and, with unemployment near record highs, increased headcount for the first time in two years. They were led by a sharp pick-up in Germany and a revival among the states on the region’s periphery. But France, the bloc’s second biggest economy, remained a drag on the region.”

As an example Greece, when they entered the EU they had a bad credit rating and any loans would of cost them a lot in interest, when they joined the EU they effectively got the same rate on loans as Germany who as you probably know are very stable in the financial sector, so Greece took loans out at low interest rates for years.

Yah, Greece has always been a financial disaster like Argentina or Zimbabwe… now it’s all gone sour they are left with huge debts and so on, Italy and Spain are in the same boat and seeing as the UK loaned ALOT of money to Spain and others we are massively exposed to the crisis. Spain for example has more empty property (new builds) than the ENTIRE USA.

Real estate tanked in Spain, we all read about that in the WSJ, few in the US realized it was that bad. In 2008 China was challenged even after their 2008 stimulus as their municipals did elaborate growth projects, building for the sake of it?

Remember the original plan for the EU was to introduce one currency (which they did) and then introduce a EURO Government to manage it, the second part never happened and now the backlash is huge, and it doesn’t really matter that the 2008 crisis started in the US. The EU wasn’t doing that well before the crisis. And we shouldn’t blame the US for the crash, let’s not forget one of the enablers was AIGs London Office selling insurance often with guarantees in excess of 130% of face value on those mortgage bundles and credit default swaps.

Yes, we have some socialists in the US and when the capitalists and socialists get together or start using each other it is as if everyone loses their brains. So, the slow-motion train wreck and Eurozone melt-down continues, who is to say if it can continue for long without falling apart, and once that engine falls off the plane, its coming in for a very hard landing. Let’s hope that doesn’t happen in 2017.

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The Best Way to Learn Something New

When learning something new, the quickest easiest most successful way is to find a great coach and mentor. Recommendations are great, or Google the trainer you have in mind especially if the training involves the internet.

If you are learning anything, driving, hobbies, or even setting up a business expert advice to copy is the best way.

You need someone on hand to answer questions, offer training and monitor progress to make sure actions are followed in the right manner. Tutors work in schools, colleges and universities to teach and guide students, apprenticeships work in a similar way. Online language courses are guided with sound tracks to test yourself. Nurses are trained in hospital with supervision from superiors, in virtually all areas of life people are advised by others. Imagine athletes perfecting their style, golfers wanting to improve their swing without a coach. They may be picking up bad habits that are hard to correct in stance or execution. the same applies to most forms of learning, even learning a language, there is usually a voice operated system to copy.

So you need to be sure the coach you have chosen is honest and trustworthy and that they offer training that suits your learning style. Video is good as you can stop and start the video as you attempt to copy the actions. which is probably why YouTube videos have become so popular. However you also need direction to guide you through the learning process

There are currently 2,000,000,000 people daily searching Google for ways to work at home. A growing popularity of the internet, the growth of the relatively new industry and the fact that computers are included in the curriculum for schools. Most families now have laptops and other similar devices.

Franchises have always been popular because of the higher success rate that support gives the venture. The training the supervision and the system to copy. Internet marketing with a good coach and mentor works in a similar way without the extortionate expense of many franchises.

I am very lucky I found a great coach when I set out to develop an online business, it made my learning curve much faster and simpler. I didn’t feel so isolated or overwhelmed. Not only did I have a coach but the comradeship and support of others learning too. Another advantage is regular training and a great range of best-selling products provided for your customers and whilst you are learning the techniques you can earn commissions too. I found it much simpler than attempting to learn it all by my-self, source best-sellers and service my customers, when much of it was done for me.

So if a new venture appeals to you look out for a great coach, take a look at magazine racks for topic ideas and enjoy your new venture.

Make 2017 a year to remember!

 

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Mobile Content Market Trends and Opportunities

The mobile content market covers many forms of media such as music, text, pictures, videos, etc. These media forms can be accessed using a mobile device which can be a smartphone or tablet handheld device. Devices such as iPhone, iPad, and Android devices have transformed the way consumer access content.

Mobile Content Market Drivers and Opportunities

The demand for mobile content is growing rapidly. Various factors attribute to the growth of this market.

Market Drivers

Rapidly increasing disposable incomes, innovative products and technologies, and mobile devices with advanced features tend to boost the growth of this market. Decreasing prices with the competitor’s product with increasing mobile bandwidth and speed has also supported the growth of the mobile phone content industry.

A market intelligence firm has stated that the global and the U.S. mobile phone content market was worth $6.5 billion in 2011. It is anticipated to reach a total value of $18.6 billion in 2017, with a CAGR of 19% during the forecast period of 2011 to 2017. On the other hand, factors such as decreasing market share of U.S. sales of ringtones along with distribution and marketing challenges hamper the growth of this market. However, the industry has many opportunities which will increase the revenue shares of the market.

Joint ventures between publishers and marketers and the role of devices and network in the mobile content industry will provide further opportunities for key players in this market. In addition, trends such as growth of social networking and availability of multiple options for substitute products in mobile content industry will support the growth of the market. Key players also have untapped opportunities in the sector of free and fee-based mobile phone content services.

Segmentation of the Mobile Content Industry

The global market for this report is segmented in two major parts which are the revenue-generated and user-type. These two segments are further divided into mobile games, mobile music, and mobile video.

Dominant Mobile Games Sector

The same market intelligence company has stated that the mobile games sector is expected to be the largest segment in the industry and reach a value of $11.4 billion by the end of 2017. Mobile games sector was the largest market sector in 2011 with a revenue share of 53.3%. It is predicted that this segment will further solidify its position in the overall market with a 61.7% market share by the end of 2017. The mobile games market worldwide was worth $3.5 billion in 2011 and will amount to $11.4 billion in 2017 with a 21.9% CAGR during the forecast period.

U.S., the Dominant Regional Sector

According to geography, the global mobile device market is segmented into U.S., Europe, Asia-Pacific, and Rest of the World. The U.S. market for mobile content stood out as the largest regional market with an impressive revenue share of 30.3% in 2011. Faster adoption of mobile content in U.S. will considerably increase the market share to 41% by the end of 2017.

Mobile Content Marketing Trends

It is predicted by market analysts, that in the coming few years the mobile market’s revenue will double than the current figures within a year.

Consumer TrendsConsumers while buying mobile device content tend to compare content features, smart devices, and innovative technologies in the market. This factor tends to impact the mobile content industry greatly. The demand for mobile content will continue to grow in future as more mobile devices arrive every month on the market.

Mobile Optimized Sites Vs. Apps

In addition, the competition is growing between mobile optimized sites versus mobile-native content. This trend is one of the biggest struggles for mobile content provides whether to invest in mobile optimized sites or to invest in mobile-native content like apps.

According to Forbes, one of the key components to monetizing the mobile content is by selling apps. However, selling apps for two dollars a piece is not the only way to make apps profitable. Selling ads is one of the way companies can make profit.

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Stay Healthy and Wealthy

When you make those New Year’s resolutions, you’re thinking about fresh starts and the year ahead. What you might not realize is that some resolutions also could save money. Here are some popular resolutions that could help get you and your finances in shape in 2017.

Quit smoking: You can save money by stopping a pack-a-day habit, which can cost between $1,825 and $3,650 per year, depending on the cost of cigarettes in your area. Nationally, a pack-a-day smoker is going to spend an average of $2,000 annually on cigarette costs.

Set up and stick to a realistic budget: If you want to resolve to stick to a budget in 2017, you must start with a realistic plan. People tend to make financial resolutions the same way they do a weight loss plan. If you start with lofty goals they will be unachievable within a month. List your priorities for spending rather than restricting your spending. Focus on necessary expenses then include a certain amount for retirement savings. Then with the remaining money you have each month, set aside a little for enjoyment. It’s critical you have rewards in your budget.

Exercise regularly: You’ll save money in several ways with regular exercise. On average, Americans are spending $7,800 annually on health care, according to the National Association of Health Underwriters. But exercise brings real savings. “If people are eating right and exercising three times a week for 20 minutes a day, they see prescription costs decrease by 70 percent and medical costs decrease by 30 percent,” says Ric Edelman of Edelman Financial Services. Stop spending money recklessly: One of the best ways to stop spending your money recklessly is to track where it is going each month. Check with your credit union and download their free mobile budgeting app that shows expenditures by category so you can monitor your spending. A great way to get your spending under control is quit trying to “keep up with the Joneses”. If you want to fix your bad spending habits in 2017 start hanging out with other spendthrifts because you will likely become one yourself.

Eat healthier: A healthy eating plan can be as — or more — economical than fast food. It’s a total myth that eating healthy is expensive. Buy smaller but leaner cuts of meat, eat protein-rich beans and buy produce in season when it’s freshest and least expensive. A smaller amount of a leaner cut can slice your food bill and your bad cholesterol.

Build an emergency fund: Nothing takes the stress out of financial situation like spare cash. If you are among the millions of Americans that don’t have enough money set aside to cover unexpected expenses or emergencies, then you should resolve to build one in 2017. Experts recommend putting enough money in a savings account to cover six months’ worth of expenses in case of unexpected emergencies like job loss, maternity leave or medical issues. You can always apply a small amount of your paycheck towards this account, so you make sure it is hidden from you.

Pay off high-interest debt: Paying down credit card debt is one of the most popular short-term goals in 2017. Try focusing on paying off your high-interest credit card debt before other debts because it is more expensive. And, it you are motivated by seeing those results first hand, start by paying off your card with the lowest balance first so you can feel that sense of accomplishment. Create your estate plan: An important 2017 resolution would be to tie up any financial loose ends for your loved ones so they aren’t left trying to pick up the pieces. Make sure you have a will or trust that designates who’s in control of your assets. You certainly don’t want the state court system to make that decision for you. Don’t forget to designate a guardian for your children, and someone who will make financial and healthcare decisions for you if you are unable to do so.

Develop common financial goals with your partner: Many times finances are the biggest source of conflict between couples. It’s important that couples sit down and create a financial plan. It doesn’t usually work to try and manage their finances separately.

Any of these resolutions can help improve your financial security in 2017. I suggest tackling one financial tip each month so you don’t get overwhelmed. Then as you get accustomed to the new approach to spending and saving, add another. By the time 2017 starts dwindling toward 2018, you will find you’ve made progress on achieving your financial goals.

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The Future of Android Games, Virtual Reality & Augmented Reality

Mobile gaming has come a very long way since the introduction of crude & simple games like Snake and Pong which were available on early Nokia phones. Mobile processors and graphics are now as powerful as desktop computers were just a few years ago. Older generations still remember lugging around a Game Boy or Game gear and begging their parents for another game. New generations literally have access to 100’s of thousands of games on their mobile device.

In short, mobile gaming has exploded in just a few years time. In the month of July 2016 there were 63.1 million arcade games downloaded & games in the “strategy” category generated $195M revenue. In a recent study over 37% of mobile app users with 30 minutes of free time choose to play games over any other activity. We’ve all seen it and we’ve all done it ourselves, whether its waiting for an appointment or sitting at the airport, we pull out our mobile device and jump into a quick game to kill the time.

So what does all of this mean for the future of android gaming? For starters, the massive amounts of revenue and user interest in android gaming has bolstered continuous innovation and fierce competition in the global marketplace. For example, just 12 months ago, top executives were saying they didn’t see any major benefit to augmented reality. With the release of Pokemon Go and estimates citing as much as $500 million in revenue in just 60 days, I think we can all agree augmented reality is here to stay. Virtual reality is another area that has been picking up steam in recent months. You can now buy virtual reality headsets at local gas stations for a mere $30. Or if you’re on a budget you can purchase Google Cardboard for as little as $7.00. There are still only a limited number of VR enabled games but that number is increasing daily. Not only that, as more and more people experience VR we are sure to see a blockbuster release sooner or later.

Let’s take a look at some real life examples of recent game releases. Dawn of Titans which was recently released on Google Play was in development for over 2 years. This is akin to the development cycle of a mid-level PC game release on Steam. The game features mass controlled troops, world building elements and impressive graphics. A few years ago this would be considered a major release for the Android platform. These days this is just another drop in the massive pond. With over 2.4 million apps and games currently listed on Google Play it’s become harder and harder to stand out. This is actually good news for gamers as developers are working harder and faster to create new innovative titles to attract users.

I firmly believe that both Virtual Reality (VR) and Augmented Reality (AR) titles are going to gain more traction in 2017. Major developers who can pump out triple A content can’t be left in the dust while indie developers pump out AR and VR enabled games. They will be forced to port existing titles and come up exciting new ways to interact with the mobile devices.

There are many gimmicky games available that utilize the phones microphone, gyroscope, camera and accelerometer. However, these sensors combined with AR and VR could bring a whole new experience to gamers. Imagine walking through a recreated 3D world that represents your neighbourhood, immersed in full virtual reality, and using your phone as a targeting device to defend against waves of zombies. This is already possible with the technology that is available, it just needs to be packaged in a user friendly way that people can enjoy. Combining meticulous graphics with well thought out virtual reality experiences would be impressive indeed. If you’re familiar with PC based virtual reality demo’s you already know how immersive the experience can be. It’s only a matter of time before these same experiences make their way to our mobile devices en masse. And to think, only 30 years ago we were playing Mario on our beloved Nintendo consoles. Let’s not even mention the Virtual Boy that burned your eyes after 2 minutes of playing tennis. Android games and mobile games in general have come a long ways since then and they will continue to push barriers even further in the near future.

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