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INSOLITE • Vous séchez la gym ? Votre iPhone vous retient 5 dollars Vous avez pris du bide pendant les fêtes, et vous vous promettez d’aller plus souvent à votre salle de sport. Mais vos belles résolutions ont tôt fait de s’évaporer. Et si vous perdiez 5 dollars chaque fois que vous séchez la gym ? Est-ce que vous seriez plus motivé ? Deux diplômés de Harvard ont lancé un site appelé, fondé sur ce concept. Après quelques tests pilotes, les deux associés ont décidé de faire payer 5 dollars minimum chaque séance manquée, l’argent des participants n’ayant pas respecté leur pacte étant réparti entre ceux qui ont tenu leurs objectifs. Lors de l'inscription, vous décidez combien de fois par semaine vous voulez faire du sport et à quelle pénalité vous vous exposez en cas de coup de mou. Si vous ne vous déplacez même pas, votre compte bancaire sera débité de 5 dollars par visite manquée. Vos gains dépendent du nombre de personnes qui n'ont pas respecté leur contrat chaque semaine et du nombre de séances fixées.

7 Day Rapid Raw Detox Program & Raw Vegon Detox Plan Mobile Expense Tracker - Toshl - Blog - Gamification of personal finance, there's a better way to do it There’s a lot of talk of gamification in personal finance, but it shouldn’t be about piling on extra layers of unwanted information. It should help us understand existing information better and understand the way our habits need to change. It should keep the user’s best interest in mind. Not the marketer’s. I was just reading an article by Reuters on the gamification of finance in the United States. Finance should be more fun, even gamified, and that’s what we’re striving to build with Toshl. With Toshl we want to build a fun and simple way to manage your finances. We have a lot of ideas on how to make this experience great and help people change their financial behavioral patterns for the better, but in a way that they understand exactly what’s going on. Written by Matic Bitenc

50 Ways to Improve Your Finances in 2013 Along with a fresh start, the new year brings uncertainty about changing tax laws, growing concern over online privacy and security, and challenges for almost every demographic group—even the wealthy, who face steep tax increases. To help you get ready to tackle your own money goals for 2013, we gathered our best advice from the past 12 months and organized it into 50 bite-size steps: 1. Be a year-round discount shopper. Specific holidays used to loom large in the world of coupon hunters, who expected to see massive discounts on July Fourth, Labor Day, Black Friday, and other big shopping days. 2. As the economy recovers, retailers are eager to pick up the biggest share of consumers' spending what they can, and in some cases, that means adopting more flexible pricing policies. 3. Much stress can come from disagreeing with your spouse or partner about how you should be spending shared income. 4. 5. Tax rates are likely to rise for many Americans next year, especially high-earning ones.

Banks start playing games with your money 5 Foods To NEVER Eat | Beyond Diet Isabel De Los Rios, the creator of Beyond Diet, is a certified nutritionist and exercise specialist who has helped half a million people lose weight and regain their lives. She is a best-selling author, mother of two and a recognized expert in the field of nutrition. What Is Beyond Diet? Beyond Diet is a healthy lifestyle community started by Isabel de Los Rios, certified nutritionist and exercise specialist. A no-nonsense approach to losing weight and keeping it off. What You Get: Beyond Diet Manual - Your go-to guide for finding and eating the foods that burn fat naturally. Quick Start Guide - In the quick start guide you get the top 10 BD principles and specific info on the foods that will get you feeling awesome - start accomplishing your goals in just 15 minutes. Fat-Burning Recipes - Enjoy thousands of tasty fat-burning recipes that will give you the fuel you need to feel amazing. BD Success From People Just Like You Members' Favorite Recipes: Frozen Hot Chocolate

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