Tag Archives: Global

Groundbreaking Global Study First to Reveal That Whether a Person Focuses on the Past, Present or Future Is a Leading Predictor of Their Financial Health

New York, NY (PRWEB) July 18, 2014

A groundbreaking new study reveals why some people make poor financial decisions while others make sound ones. Among its compelling findings: a person’s time personality – meaning whether they are stuck in the past, living hedonistically in the present or focused solely on the future – is a better predictor of financial health than their mathematical ability or financial acumen.

This first in-depth psychological study of its kind was undertaken by Philip Zimbardo, professor emeritus of psychology at Stanford University, author of more than 50 books including The Time Paradox and creator of the Zimbardo Time Perspective Inventory (ZTPI). The six-nation, 3,000-adult study was carried out in partnership with MagnifyMoney (http://www.MagnifyMoney.com), which offers consumers a simple, unbiased way to comparison-shop for financial products.

Concurrent with the study’s release, MagnifyMoney launched a new quiz that helps consumers determine their time personality and offers tools for making more savvy financial decisions.

The study looks at three major time personality categories: past-oriented, present-oriented and future-oriented.


    “Once bitten twice shy“– For example, someone who has lost money in the stock market in the past, may be more conservative – thus limiting their downside — but often misses out on potential gains.
    “Memory Hoarders” — This group of people have fond memories of the past, but tend to get stuck there – meaning they might stay with their bank or credit card out of loyalty and not get the best deal.


    “Hedonists” – This group likes to enjoy life impulsively without thinking about tomorrow and is more likely to be financially sick. They tend to buy now and think later, with no thought of future consequences – or their credit card bill.
    “Powerless”– People who feel stuck in the present are also likely to be financially sick – they tend to believe things that happen in life are out of their control, and don’t feel empowered to change their financial situation and get more out of their banks.


    “Future Trippers” — This group is singularly focused on planning for the future and are likely to make financial decisions – such as buying a house, saving or investing – because they know it’s the right thing to do. However, this group doesn’t always achieve a higher degree of financial health because they seek out advice that might not always be prudent.

“Time personality, or perspective, drives decision making in many realms – from deciding what to eat to choosing who to marry. With this study, we show clearly that it can have a profound effect on a person’s overall financial health,” says Philip Zimbardo. “The study is informative – even surprising – but what makes it truly useful to consumers are the online tools MagnifyMoney has developed to help people assess their time personality and, ultimately, make better financial choices.”

Other intriguing study findings include:

    Millennials are much less likely to rate themselves as financially literate, when compared to baby-boomers. However, more millennials have demonstrated financial health than baby-boomers.
    Of the six countries studied, the UK ranked as the most financially healthy. Meanwhile, Brazil and Italy had the highest level of present-hedonism and lower financial literacy.
    The study did not find a significant difference between males and females.

NOTE: For more information on the study results, visit http://www.magnifymoney.com.

Traditionally, the focus has been on teaching financial literacy and math skills in order to improve financial health. We believe that financial literacy is important. However, our study results show that understanding one’s time perspective is an important new factor and should be integral to literacy training,” according to Nick Clements, co-founder of MagnifyMoney. “With our time perspective quiz, we are now able to help consumers make better financial decisions that can save them thousands of dollars.”

About Professor Philip Zimbardo

Born March 23, 1933, Professor Zimbardo is a psychologist and professor emeritus at Stanford University. He is best known for his controversial Stanford Prison Experiment in 1971 that highlighted the ease with which ordinary intelligent college students were able to cross the line between good and evil when caught up in the matrix of situational and systemic forces. He has authored introductory psychology books, textbooks for college students, and other notable works, including The Lucifer Effect, The Time Paradox and the The Time Cure. He developed the Zimbardo Time Perspective Inventory (ZTPI) – integral to this latest study as well as Zimbardo’s past work.

About MagnifyMoney

MagnifyMoney was founded in 2014 by Nick Clements and Brian Karimzad, who have a combined nearly 30 years experience working in banking, including Barclaycard and Citigroup. MagnifyMoney is a powerful free resource because its personalized side-by-side comparisons of banking and credit union products are free, unbiased and easy to navigate. With the proprietary Magnify Transparency Score, banking and credit card products are rated on their simplicity, making it easy for consumers to quickly evaluate which products have the least amount of fine print. MagnifyMoney is headquartered in New York, NY.

For more media information, contact:

Lisa Hendrickson, Commstrat



Find More Best Ways To Make Money Online Press Releases


Firefly Global Returns to AudiologyNow! with their Wireless Video Otoscope

Orlando, FL (PRWEB) March 26, 2014

Returning for another year at AudiologyNOW!, Firefly brings its award winning Wireless Video Otoscope back to Orlando. The Boston based company, which has been selling its cameras to some of the most prestigious organizations around the globe for over 2 years, is thrilled to once again show the Audiology community why so many clinics and hearing aid centers have already brought the Firefly system on board.

The Firefly Wireless Video Otoscope is the best tool available for audiologists and anyone placing hearing aids to educate patients on why they need to move forward with various, get them to understand the importance of recommended care, and demonstrating the effectiveness of treatments by reviewing before and after pictures. While the Wireless Video Otoscope was designed with the patient in mind, it was also created to increase acceptance rates, which in turn brings more money into the clinic. A quote from Firefly Global’s CEO, Kapriel Karagozyan, illustrates the company’s mindset when developing their devices –

“We take great care in developing devices and systems that are not only intuitive to use, but also benefit individuals on both sides of the camera. If we create value for the patient and the physician it becomes an easy decision for practices to enlist our services.”

Firefly Global is in the business of making high quality, affordable, video otoscopes and digital dermatoscopes for organizations worldwide. Firefly wireless and wired cameras are small, easy to use and standards-based, making integration with video conferencing solutions quick and easy. Already popular in Ear-Nose-Throat, Primary Care, Telemedicine and Dermatology, the number of Audiologists using Firefly are multiplying rapidly. The Wireless Video Otoscope can be found at AudiologyNow! from March 26th to the 28th.

Visit http://www.fireflyglobal.com to learn more.

More Money Making Mindset Press Releases

Seeking Projects for Minnesota’s Global Youth Service Day

St. Paul, MN (PRWEB) March 06, 2014

Minnesota’s Global Youth Service Day is an effort to build a collective understanding and celebration of youth service statewide. The Minnesota Alliance With Youth has issued a call for Minnesota’s young people to register youth service projects to be recognized at the event on April 12. Long known for its ethic of service, Minnesota stands to again lead the nation in the number of youth-led service initiatives underway. The online registration deadline for all service projects is March 18. Register at http://www.gysd.org/randerson/global_youth_service_day_celebration.

Global Youth Service Day (GYSD), to be held April 12, from 2 to 5 p.m. at Mall of America’s Rotunda, is sponsored by the Minnesota Alliance With Youth and partner Family, Career and Community Leaders of America (FCCLA). Activities will include hands-on service projects featuring local and global issues, and diverse youth performances from across the state.

From Aitkin to Zumbro Falls, young people across the state are putting together service projects that are impacting families and communities in need and teaching their younger peers positive habits and choices.

“Youth are integral to identifying and addressing community needs, and we are excited to hear from them about the critical issues they have been hard at work addressing across the state,” said Minnesota Alliance With Youth President and CEO Sarah Dixon.

The Minnesota Alliance With Youth is an organization committed to igniting the spark in young people in Minnesota to become actively engaged, develop strong voices, and acquire the skills needed for success in school, work and life. For more information visit http://www.mnyouth.net or http://www.gysd.org.

Related Habits For Success Press Releases


Arab and South Perspectives Help Shape the New Global Development Agenda

Doha (PRWEB) February 20, 2014

Arab and South perspectives help shape the new global development agenda.

Success in ending poverty hinges on conducive policy frameworks, training and resources.

Developing countries of the South are taking greater control of their development future as the world debates a new global development agenda that will shape the 21st century, concluded delegates to the “First Arab States Regional South-South Development Expo,” which concluded today in the Qatari capital, Doha.

While countries of the South, including all those across the Arab region are rapidly developing, three elements are needed to ensure that South-South efforts to end poverty are successful and sustained: clearly formulated regional and national policies, effective institutional coordination capacities for experience exchange, and dedicated resources, including packaged knowledge, expertise, funding. This recognition has emerged as a concluding agreement at the end of three days of the Expo.

The Expo was the first ever such forum held at the regional level modelled after the Global South-South Development Expo, which has been convening annually, since 2008, to document successful development solutions from the global South and promote their replication and scaling up to meet common development challenges.

“We are proud to have hosted this landmark gathering,” said HE Sheikh Mohammed bin Abdulrahman bin Jassim Al-Thani, Assistant Foreign Minister for International Cooperation Affairs, State of Qatar. “We see the great success of the Expo, only as a beginning of concerted follow-up efforts that will capitalize on this success and institutionalize South-South Cooperation in the Arab region. We reiterate our commitment to continue to support such an endeavour.”

Practical focus: Solutions showcased, debated and transacted

The Expo focused on three thematic areas of priority to the region, but that are of global relevance as well, including youth and women’s employment and decent work, energy efficiency and renewable energy, and water and food security. Held under the motto “Solutions to Action,” the three days of the Expo included substantive deliberations; solution exhibitions; launches of cooperation-mapping and transaction-facilitating tools; and specialized solutions exchange forums.

“South-South Cooperation is not an alternative agenda to the MDGs or the new Sustainable Development Goals (SDGs) Agenda, currently under debate even though it can help us shape global development priorities” stresses H.E. Zsolt Hetesy, Vice-President of the United Nations General Assembly High-level Committee on South-South Cooperation. “Most importantly, South-South Cooperation adds a practical and vital tool to our global toolbox to proceed deliberately and effectively towards shaping our common development future.”

More than 500 delegates from 45 countries examined and exchanged views on evidence-based development solutions, platforms and mechanisms in the Arab States region and other countries that were successfully tested in addressing development challenges. The “Solutions Exhibition” featured booths for 30 organizations and showcased over 40 solutions, while 9 “Solution Exchange Forums,” presented over 60 well documented solutions from 20 countries, from the Arab region and beyond.

In addition to forums presenting solutions from the host country, Qatar, and from the private sector, the seven UN-facilitated forums included the International Fund for Agricultural Development (IFAD); the UN Economic and Social Commission for Western Asia (ESCWA); the International Labour Organization (ILO); United Nations Development Programme (UNDP), the United Nations Environment Programme (UNEP), the United Nations Industrial Development Organization (UNIDO) and the United Nations Entity for Gender Equality and the Empowerment of Women (UN-Women).

The forums examined and debated potentials of replication and scaling-up of successful experiences in such areas as, employment generation, supporting entrepreneurship and business development capacities for youth, women and other vulnerable groups; energy efficiency (through education, regulation and standards) and providing clean and renewable energy alternatives; water harvesting and enhanced irrigation systems to build resilience to climate change; enhanced agricultural productivity; maximizing green economy opportunities (green jobs) for youth and women; the use of cooperative, solidarity and apprenticeship schemes to enhance employment opportunities; and wastewater treatment for food security.

The Expo launched the “Tool for Mapping of South-South cooperation mechanisms and solutions in the Arab States Region,” jointly produced by the Islamic Bank for Development, UNOSCC and UNDP. The publication version of the tool documented 40 solutions and 28 coordination mechanisms of successful South-South cooperation from across the region. Those solutions and mechanisms are also entered in an online version of the tool, which aims to grow into a comprehensive repository and hub of information gathering and an avenue to easy-to-use, real-time access to tried and tested South-South Cooperation solutions and mechanisms in oreder to facilitate future networking and exchange.

Additionally, the South-South Global Assets and Technology Exchange (SS-GATE) mobilize the participation of 67 private sector entities at the Expo and organized a “Matchmaking Space” to facilitate discussions and negotiations among participants, which managed to match 8 companies representing a range of sectors including food security, water, waste management, and clean energy. Negotiations and matchmaking continued over the three days and will be followed-up beyond.

The Expo also witnessed the launch of a large project employing South-South Cooperation modalities to strengthen Somalia’s education and health care infrastructures, and improve the livelihood of thousands of displace, unemployed men, women and youth through skill development, entrepreneurial training and micro-grants. The project combines forces of the Government of Somalia with the UN Office for South-South Cooperation (UNOSSC) and the Organization of Islamic Cooepration.

South-South Cooperation for Development taking hold in the Arab region

The First Arab States Regional South-South Development Expo came as the fruit of a strategic partnership between the State of Qatar, UNOSSC and UNDP’s Regional Bureau for Arab States.

“The dedication that we have seen over the three days of this Expo reminds us that the nations of the Arab region and the world can and must seek human progress as a common cause,” said Mourad Wahba, Deputy Regional Director of the United Nations Development Programme-Regional Bureau for Arab States. “We thank the Government of Qatar for generously hosting this event as yet another sign of extraordinary commitment and leadership to development cooperation, across this region indeed beyond. We look forward to continued collaboration with Qatar to build on the solid foundations laid here in this Expo.”

The Expo facilitated the building of many bridges of South-South Cooperation in several areas. It initiated bilateral partnerships and opened doors of assistance to solution providers to expand their operations to other areas of the Arab region. For example, the Small Scale Wastewater Treatment Plants project from Palestine has started collaboration discussions with organizations in Qatar and Jordan; the Egyptian Businesswomen Association and Afro-Arab Network for Women Empowerment offered to train women and youth entrepreneurs through their Training and Business Development Centre and Incubator. They announced that they will be holding a joint conference on South-South cooperation for Economic Empowerment for Women and Youth in April 2014.

Participating UN Resident Coordinators agreed to establish thematic working group to coordinate inter agency and joint work on South-South Cooperation, while representatives of regional UN entities agreed to set-up a regional mechanism for enhancing South-South Cooperation, including the facilitation of grants.

While many of the presented projects in the different areas generated some debate about feasibility of replication and scaling-up they only resulted in initial commitments during the sessions. Convening agencies committed to ensure follow up on these commitments and explore the possibilities of their further materialization into specific collaboration projects.

In his closing remarks, Yiping Zhou, Director of the United Nations Office for South-South Cooperation emphasized that “this pioneering Expo has provided extremely rich regional perspectives on South-South cooperation and how it can help achieve development results.” He added “It is my task now, through my Expo report, to make this regional voice heard globally, not only conveying it to the UN Secretary General, but through him to the General Assembly deliberations on the Post-2015, Sustainable Development Goals (SDGs) Agenda, which will shape our futures over the next decades.”


For further information, please contact:

The Secretariat of the First Arab States Regional South-South Development Expo

UNDP Regional Bureau for Arab States – Regional Centre in Cairo,

United Nations Office for South-South Cooperation – Arab States Division

CEDARE Building, 2 Hijaz Street, Roxy, Heliopolis, Cairo, Egypt

E-mail: ssc(dot)arabstates(at)undp(dot)org

Web site: http://doha.Southsouthexpo.org


Noeman AlSayyad, Media Relations Coordinator for the Expo

Regional Communication Advisor, UNDP Regional Bureau for Arab States – Regional Centre in Cairo,

E-mail: noeman(dot)alsayyad(at)undp(dot)org        

Mobile phone: +20 0181 1876

Related Tools For Success Press Releases


Freemie Announces New Product Line Aimed At Unmet Global Need

Silicon Valley, CA (PRWEB) February 14, 2014

In October, 2013, weeks before a planned announcement, word leaked out on Facebook that a new product called the “Freemie” would soon be available that would effectively allow a woman to pump breast milk without taking her shirt off. The website wasn’t even finished before thousands of inquiries a day began pouring in from potential customers and resellers around the world.

Moms working hard to provide breast milk for their babies knew that two of the biggest impediments to pumping – finding the time and an acceptable place – might be removed any day. Everyone at Dao Health, the California company that developed the Freemie system, worked overtime to get the company’s website, Freemie.com completed ahead of schedule, while some women begged, pleaded, and a few even demanded to be allowed to pre-order their Freemie cups before the website could take orders. In the US, where the company first began taking orders online, women stayed up late one night in November to be among the first to pre-order.

Sales have been growing ever since. During this winter of record low temperatures, sales have been noticeably higher, relative to population, in the states most affected by snow and ice. Dan Garbez, co-founder of the company, points out the obvious, “We do have the only viable breast pump system that does not require a woman to take her clothes off to use it. And it has been cold…” Garbez says some of these customers have even referred to themselves as “parka pumpers.”

At the heart of the Freemie pumping system are cup-shaped devices with specially integrated breast funnels. The old horns and milk bottles are no more. The Freemie cups fit inside a woman’s regular bra, connect to her breast pump for suction, and collect her milk in the cups – right there inside her bra, underneath her clothes. It is the breast pump rethought for modern life.

The Freemie system is the brainchild of Garbez’s wife, Stella Dao, an emergency physician who delivered the couple’s twins prematurely. Dr. Dao was dependent on a pump for several months to help her make the milk her 3 pound preemies so desperately needed. “I could not use the equipment that was available at that time and go back to work in an emergency room. Having to undress and find a private room in such a chaotic place, and be unavailable to nurses and patients was – to put it kindly – completely impractical,” said Dr. Dao. After developing the concept, the couple then recruited a world class team of medical device and startup professionals to perfect the idea and bring it to the world.

The cups have to be big enough to hold the milk, and to accommodate a breast funnel in order to be effective at extracting milk. But for the user, the Freemie cups and her milk are secure in her bra, and she can keep her shirt on. With the right attire, many women are able to pump in public environments, and nobody’s the wiser. Since the concept is so new to a mass audience, the company believes it is important to help potential customers visualize this new style of pumping. They have developed a visually instructive website with videos and graphics, and are working on videos with fashion industry pros to help women identify what they call “Freemie Friendly Fashions.”

In truth, the company’s concept had already been around for a few years before the October hysteria, but it was not widely known. The first generation of the Freemie system was introduced in 2009. The original product had only one breast funnel size and cups that held only four ounces of milk each. It got good reviews. It was a great start. But after that initial market launch, principals at the company heard some feedback, and decided they could do better. So rather than focus on marketing the first generation design, they focused on some basic functional and design improvements. The results: The cups are a little smaller, even while capacity doubled to 8 ounces per cup, assembly is simpler with less parts, and two more funnel sizes were added to the original size.

The Freemie cups are available with a quiet electric pump (Freemie Freedom) and the world’s only concealable, one-handed, double manual pump (Freemie Equality). But the biggest surprise – in a market where almost every company’s pump and milk collection systems are proprietary, and not interchangeable – is that these revolutionary collection cups are compatible with the most popular pumps on the market. Garbez said, “A lot of companies make a pretty decent vacuum pump that will extract breast milk. It’s pretty basic technology, and has been in use for more than a century. It doesn’t need to get too complicated. What was missing was a modern user interface. Not anymore.”

Garbez continued, “We’re happy to work with these companies, so that moms can make the most of the money they have already invested in those pumps. We are giving moms the ability to actually pump as much as they had hoped, so that they can achieve their feeding goals for their babies. What we’ve done is like adding an app-based touch screen to a computer that was running on DOS. It’s easy to set up and use, and more versatile and practical in most situations.”

The company’s confidence in their second generation design has been reinforced by user reviews on social media sites. Women have been openly professing their love for their Freemie cups. Moms exhausted from the sleepless days and nights of caring for a newborn have been recounting with glee the routine tasks they can now easily handle that were difficult or impossible to manage before. Some pump and nurse their babies at the same time, or help older children with homework while pumping. Moms can comfortably hold and soothe their babies while pumping. Women are pumping around their male bosses. One grateful mom simply summed it up this way: “The best invention since chocolate.”

Many women also seem surprised that they found the Freemie cups more comfortable than their old pump equipment. But the Freemie Team isn’t surprised that this observation occurs over and over. Ben Sutton, one of the co-founders, who now oversees product development and engineering, points out some factors that might not be so obvious. ”Our patented system enjoys a unique advantage that no other product can match. It’s simple physics. Our cups are very lightweight, yet still connect to the most powerful pumps. They collect and hold the milk right around the breast, secure in a woman’s bra, just as her breast is supported by that bra. The center of gravity that her bra is supporting barely moves as the milk collects, so the shifting weight of her milk is insignificant. The cups don’t contain any heavy motors or batteries that add weight and downward pressure on the breast, like some tried and failed concepts. And we are not hanging a bottle that is filling with milk several inches away from and below a woman’s nipple, hinged on the thin edge of a funnel that is pulled into the underside of her breast.” All the other hands free pumping systems on the market do just that. There are rubber bands, straps, combinations of hooks, clips and straps, and crazy looking tube tops, bras and corsets with holes cut out over the nipple areas. Garbez added, “Each of these ‘hands free’ contraptions simply jury rigs the traditional horns and bottles, which were designed to be held by hand. And then many women still end up having to support the milk bottles with one hand or an arm, or rest them on a table when the milk starts collecting. We’ve heard from countless women that these contraptions are uncomfortable.”

Dr. Dao is quick to point out that pumping is a very personal endeavor, and the company is only providing one set of tools among dozens in the market for customers to choose from. “Mom still has to do all the work. And some women have routines or habits or other needs that may require a different set of tools than the hands free tools we’re focused on. But for the vast majority of women around the world and across cultures, where electrical power may or may not be available, or where cultural norms require modesty, pumping can be a whole lot easier. We are helping thousands of moms meet their breastfeeding goals who couldn’t continue lactation without us. Soon, we will be helping millions. It’s humbling. But it’s also exciting!”

Whether a woman uses the Freemie cups exclusively or occasionally, Dave Paul, another co-founder, estimates the company’s new product line already has a solution that could help between 60 and 75 percent of all new mothers worldwide. For the Freemie Team to realize that potential, these Silicon Valley startup veterans know a lot of work lies ahead. But the prospects are bright, as inquiries continue to pour in from around the world. Paul said, “We welcome inquiries and are exploring opportunities globally with companies big and small, to make the Freemie system available everywhere. With the help of new partners in new lands who share our passion, we will make pumping easier, help advance breastfeeding rates and make an important contribution to global health. Women from the Mekong, to Manhattan, Milan and Mumbai all want their babies to be well nourished. We are going to help them.”


Global Trading Authority, Invast, Reveal The Golden Opportunities and Potential Outperformers in 2014 Forecast Guide

Sydney, New South Wales (PRWEB) February 11, 2014

Just recently the globally renowned trading company, Invast, released their highly anticipated “2014 Forecast Guide” on their website, which highlights the opportunities ahead and uncovers the six potential outperformers for 2014. The complimentary 38-page report has been written by two of Invast’s head market analysts and provides a comprehensive outlook on global interest rates, Forex trading, industrial commodities and key Australian stocks, as well as dispelling myths surrounding the oil markets and gold price.

As report co-author and Chief Market Analyst, Mr Peter Osho, exclaims, “We are extremely excited to launch Invast’s 2014 Forecast Guide. It gives traders the 6 beaten down Aussie blue chip stocks to watch closely, answers the question of whether the gold price fall is over, and separates the myths from the facts surrounding the oil market.”

“We also go into great detail about the China Story – Iron Ore and Dr Copper – and give readers a revealing insight into the Forex outlook and world Index markets, disclosing the key opportunities.”

However, the guide is not simply a discussion of numbers and traditional trading tactics – Invast first urge readers to examine how they think.

As Mr Osho explains, “The purpose of our 2014 Forecast Guide is not only to reveal the opportunities, but to challenge the reader to open their mind because as a trader, your way of thinking is your most valuable asset.”

“It doesn’t matter if you’re entering the market for the first time or have been trading over a lifetime – your way of thinking will dictate your success and gives you the edge over thousands of other traders. At Invast, we aim to bring only the best ideas and opportunities to our clients by articulating our way of thinking.”

In addition to receiving a download of the gratis guide, traders will also receive an invitation to attend two Invast webinars that will provide an in-depth view of both the fundamental and technical outlook for 2014.

“We want traders to use our 2014 Forecast Guide as the first step in a long process of reinventing themselves to become highly successful traders,” explains Mr Osho.

“The accompanying webinars are an extremely important step in this process – we feel it is paramount that all those who download the guide also attend these to find out how we at Invast think about markets and how we can help you change your way of thinking to hopefully become successful this year. “

Invast believe the greatest investment any trader can make is improving their market knowledge, and have released their “2014 Forecast Guide” to help novice and experienced traders alike discover this year’s greatest opportunities and rewards, and successfully position their trades and portfolios.

For more information about the 2014 Forecast Guide or to download a copy, visit http://forms.invast.com.au/2014-outlook-guide-access.

About Invast

Since 1961, Invast has become one of the largest and most successful global market brokerage firms in Japan, and now offers state-of-the-art trading technology and unparalleled service in Australia, catering to all levels of traders.

Invast’s mission in Australia is to create more informed, confident and in-control traders through access to a full suite of educational material provided by the dedicated research and analysis team, award-winning support and innovative trading technologies including Invast MT4 and cTrader.

More Greatest Opportunities Press Releases