Chicago, IL January 20, 2020 Today, Zacks Investment Ideas feature highlights Features: Tesla TSLA, Boeing BA, Virgin Galactic SPCE, Northrop Grumman NOC and Amazon AMZN.

When I was a kid, I wanted to be an astronaut. I watched every NASA launch and clipped every newspaper article I could find about space shuttle flights and astronomy discoveries.

Clearly, Elon Musk achieved my dreams and then some. Did you know he founded SpaceX in 2002, beforeTesla? Yep, Tesla was actually founded by two auto engineers in 2003 and Musk, through his early series A investment, earned founder status and took over quickly.

SpaceX was the first private company able to compete on NASA's playground and it still astounds me thatBoeing didn't plan to be first in some key areas of space rocketry. That is the power of a visionary disruptor like Musk.

Among the top "firsts by SpaceX" are (1) launch a liquid-fueled rocket into orbit with the Falcon 1 in 2008; (2) launch, orbit, and successfully recover a spacecraft with Dragon in 2010; and (3) send a cargo flight to the International Space Station (ISS).

I took this list from the new book by SpaceX mission manager Andrew Rader. In 2019 he publishedBeyond The Known: How Exploration Created the Modern World and Will Take Us to the Stars. Here's what he wrote on page 248...

"With its ability to make regular supply flights to the Space Station and return, SpaceX's Dragon capsule offers the only means of returning science cargo to Earth. As of January 2019, SpaceX has flown more than sixty successful launches and soon plans to fly astronauts under a NASA commercial crew contract."

Rader goes on to talk about the significance of the Falcon reusable rocket family which also marks a series of firsts (listed here courtesy of Wikipedia): the first propulsive landing for an orbital rocket (Falcon 9 in 2015), the first reuse of an orbital rocket (Falcon 9 in 2017), and the first private company to launch an object into orbit around the sun (Falcon Heavy's payload of a Tesla Roadster in 2018).

Instead of one booster of nine engines like Falcon 9, Falcon Heavy uses three boosters for twenty-seven total.

In the video that accompanies this article, I address the question of whether and when SpaceX will become a publicly-traded company that you and I can invest in.

Speaking of space companies the average Joe or Sue can invest in, the video opens discussing Richard Branson's foray into aerospace with his newly publicVirgin Galactic.

This venture is nearly as thrilling Musk's because of Branson's focus on eventual passenger travel to the ISS and beyond -- and his alternative method for getting a spaceship safely airborne and out of Earth's gravity and atmosphere, the biggest challenges in space rocketry.

Branson's innovation was an air-launched suborbital "spaceplane" (like the NASA Shuttle) that is hauled to an altitude of about 50,000 feet by a large carrier airplane and released. The spaceship then fires its rocket motor to catapult it to at least 50 miles above Earth, high enough for passengers to see the curvature of the planet.

Of course he didn't come up with these space-age ideas and designs all by himself. From Wikipedia...

The Spaceship Company (TSC) is a British/American spacecraft manufacturing company that was founded by Burt Rutan and Richard Branson in mid-2005 and was jointly owned by Virgin Group (70%) and Scaled Composites (30%) until 2012 when Virgin Galactic became the sole owner. TSC was formed to own the technology created by Scaled for Virgin Galactic's Virgin SpaceShip program. This includes developments on the care-free reentry system and cantilevered-hybrid rocket motor, licensed from Paul Allen and Burt Rutan's Mojave Aerospace. The company is manufacturing Virgin Galactic's spacecraft and will sell spacecraft to other buyers. The suborbital launch system offered will include the SpaceShipTwo spacecraft and the White Knight Two carrier aircraft.

So this story is also exciting for me personally because of another fascination of my childhood: the experimental aircraft designs of the maverick Rutan brothers. Since my dad and older brothers were professional and aerobatic pilots, we often ventured to the annual Experimental Aircraft Association (EAA) Fly-In at Oshkosh, Wisconsin.

The Rutans designed these radical airplanes with engines in the back that used the propeller to push the craft. They also featured a flight control surface in front of the fuselage called a canard. And two models, the VariEze and Long-EZ, were sold as homebuilt kits! Every time I saw one on the front of the flying magazines, I was captivated by its out-of-this-world look.

The Rutan boys also designed and flew the Voyager aircraft that traversed non-stop around the globe in 1986 without refueling,in 9 days. Actually it was Dick Rutan and Jeana Yeager who piloted that record flight, while Burt Rutan was the main designer.

But I didn't make the connection between those "spaceships" of my youth and Richard Branson until my oldest brother Rory and I were talking about Musk's SpaceX technologies over the holidays. That's when he told me that Virgin Galactic's designs came from Scaled Composites, which is now owned byNorthrop Grumman.

Burt Rutan started Scaled Composites in 1982 and after several changes of ownership -- Beech Aircraft used Rutan designs for the Beechcraft Starship, a twin-turboprop business aircraft that was not commercially successful -- Rutan gathered new investors to launch SpaceShipOne, an experimental air-launched rocket-powered aircraft with sub-orbital spaceflight capability at speeds of up to 900 meters per second (3,000 feet/sec), using a hybrid rocket motor.

Rutan's ideas about the project began as early as 1994 but he didn't begin working full-time on it until 2001. By beautiful coincidence (or clever mission planning) the vehicle first achieved supersonic flight on December 17, 2003 --the one-hundredth anniversary of the Wright brothers' historic first powered flight.

SpaceShipOne completed the first crewed private spaceflight in 2004. That same year, it won the $10 million Ansari X Prize and was immediately retired from active service.

Its mother ship was named "White Knight." Both craft were developed and flown by Mojave Aerospace Ventures, which was a joint venture between Scaled Composites and Paul Allen, who provided funding of approximately $25 million.

The WhiteKnight "Stratolaunch System" employs aircraft with the world's largest wingspan and twin fuselages, and the first model held SpaceShipOne in a piggyback configuration on top of the wing spar between them.

The WhiteKnightTwo models carry SpaceShipTwo passenger rocketsundertheir twin fuselages. WhiteKnightTwo is a custom-built, four-engine, dual-fuselage jet aircraft, designed to carry SpaceShipTwo up to an altitude of 50,000 feet. You can see a great clip of the "drop and launch" on the Virgin Galactic website.

What About Jeff Bezos and Blue Origin?

In the video attached to this article, I couldn't resist showing off the latest handy work of theAmazonfounder's space company, Blue Origin.

Did anyone really think that Bezos was going to let Musk have all the fun in successfully designing reusable rocket technology for space travel?

New Shepard is a vertical-takeoff, vertical-landing (VTVL), human-rated rocket that is being developed by Blue Origin as a commercial system for suborbital space cargo, travel and tourism.

The rocket borrows its name from the first American astronaut in space, Alan Shepard, one of the original NASA Mercury Seven astronauts, who ascended to space on a suborbital trajectory similar to New Shepard's designs and objectives.

Prototype engine and vehicle flights began in 2006, while full-scale engine development started in the early 2010s and was complete by 2015. Uncrewed flight testing of the complete New Shepard vehicle (propulsion module and space capsule) began in 2015.

On December 11, 2019 the Blue Origin team launched their 12th flight for the New Shepard system without a crew but with a capsule full of payloads from over a dozen commercial, scientific, NASA research, and educational projects. This mission also marked their 100th customer, with everything from university medical research to small business materials testing.

Of 12 launches, they have re-used the same booster rocket at least 5 times,twice. They also have 12 successful crew capsule landings and 3 successful escape tests as they prepare for eventual crewed flight. With veteran reusable boosters, NS-12 successfully reached over 350K feet (~66 miles) above Earth. And, from mission control in the West Texas desert, they accomplished their 12th powered vertical landing with the rocket.

Blue Origin folks will also be quick to tell you that their rockets are ascending to true outer space, defined as at least 100 kilometers (62 miles) above Earth.

The video clip of that mission is a blast to watch because they equip the viewing screen with not only live altitude and speed readings but a vertical tracker and "key" to mission checkpoints, like the separation of capsule and booster and the apogee (peak altitude after engines are turned off, and thus a speed of zero MPH).

And then on the way down, we get to see and understand the functions of various fins, stabilizers and drag brakes before final touchdown. The descent and landing are simply amazing, especially with the commentary guide from Blue Origin team members Ariane Cornell and Caitlin Dietrich. The payload capsule lands later in the desert with the help of 3 parachutes and retro-rockets for a soft touchdown.

Here's what I texted my brother Rory after I saw it the first time in late December...

"Jeff Bezos Blue Origin. Amazing video capture here w altitude and speed. Goes to 350K feet, and comes back just under 1K MPH for reentry. Hits atmosphere under 300K ft and accelerated to 2,500 MPH. Drag fins slow down before drag brake rocket. Sonic boom at 6K feet and 400 MPH!"

But I actually got that last part wrong. Upon another viewing this week, I hear that the sonic boom "crack" doesn't occur until just above 2,000 feet and 350 MPH. I don't know what the two smaller "snaps" were at 6K feet, but guessing they had something to do with the drag brakes that really slow the ship down fast.

The homepage of BlueOrigin.com currently has the 50-minute launch video from Dec 11 and it includes all the "pre-game" stuff before the countdown, including payload customer visits, snapshots of BO facilities in Texas and Alabama, the obligatory "holds" in the countdown sequence, and a slice of Jeff's recent keynote where he explains that Earth has become small compared to the size of humanity and that we need to think long-term about our future in the stars...

"Blue's vision is a future where millions of people are living and working in space. In order to preserve Earth, our home, for our grandchildrens grandchildren, we must go to space to tap its unlimited resources and energy. If we can lower the cost of access to space with reusable launch vehicles, we can all enable this dynamic future for humanity."

Galactic MVP (Mission, Vision, Purpose)

Not only do I want you to check out the New Shepard launch and reentry/landing, I highly recommend visiting the websites for SpaceX and Virgin Galactic where their homepages have some stunning visuals of their spacecraft in action.

As you might imagine, any space program will have its share of failures and tragedies. My generation remembers where they were on January 28, 1986 when the Space Shuttle Challenger broke apart 73 seconds into its flight, killing all seven crew members, including a civilian school teacher.

On October 31, 2014, during a test flight, the first SpaceShipTwo VSS Enterprise broke up in flight and crashed in the Mojave desert. A preliminary investigation suggested that the craft's descent device deployed too early. One pilot was killed and the other was treated for a serious shoulder injury after parachuting from the stricken spacecraft.

Richard Branson has stated that Virgin Galactic was in the best position in the world to provide rocket-powered, point-to-point 3,000 mph air travel on Earth. And while he suggested in October 2017 that he could travel to space aboard SpaceShipTwo within six months, it was not until December 2018 that VSS Unity achieved the project's first suborbital space flight, reaching an altitude of 51 miles, officially entering outer space by US standards.

But Richard's long-range commitment to safe, reliable and affordable spaceflight is as clear as Elon's and Jeff's. The homepage of VirginGalactic.com has their Purpose, Mission, and Vision statements that will likely endure beyond many other risk-inherent launches. As George Whitesides, CEO of Virgin Galactic and The Spaceship Company, has said...

"Space is not only important for the future of transportation, it's important for the future of imagination."

Kevin Cook is a Senior Stock Strategist for Zacks Investment Research where he runs the TAZR Trader and Healthcare Innovators portfolios.

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Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Amazon.com, Inc. (AMZN) : Free Stock Analysis Report The Boeing Company (BA) : Free Stock Analysis Report Northrop Grumman Corporation (NOC) : Free Stock Analysis Report Tesla, Inc. (TSLA) : Free Stock Analysis Report Virgin Galactic Holdings, Inc. (SPCE) : Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research

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Zacks Investment Ideas feature highlights: Tesla, Boeing, Virgin Galactic, Northrop Grumman and Amazon - Yahoo Finance

Investment into mental health start-ups surged past 500m in 2019 amid rising demand for apps and other services that offer therapy, exclusive figures show.

Investors have increasingly ploughed cash into start-ups and apps that offer therapy, with investment increasing almost fivefold since 2014 to 580m, according to Pitchbook data analysed by Octopus Ventures, a venture capital firm headquartered in London.

Funding rounds led by investors eyeing up mental health apps have increased in size, while deal counts in the sector more than tripled in the same period, rising from just 30 in 2014 to 105 last year.

The uptick in interest comes amid a growing appetite for therapy services that are readily accessible, as patients risk facing months on a waiting list to see a therapist through the NHS or other public health systems across the world.

A number of apps hoping to offer therapy services digitally and other mental health start-ups have emerged in recent years which have prompted investors to inject them with cash.

Compass Pathways, an early-stage start-up developing forms of therapy for depression involving psilocybin, has won the backing of Silicon Valley mogul Peter Thiel, while Big Health, which has been backed by Octopus Ventures, gives users access to digital therapy for anxiety and insomnia.

Link:
Boom in therapy apps as investment surges past 500m - Telegraph.co.uk

By Dhirendra Kumar

With the stressful growth situation continuing, higher interest rates are unlikely to be seen any time soon. This means smart savers need to think clearly about using equity-based mutual funds as a source of regular income. The realisation that bank fixed deposits are a poor way of earning an income hasnt come a day too soon. On an inflation adjusted basis, fixed deposits (and other interest-bearing assets) were always a bad bet. In reality, for deriving a regular living income, specially for long periods as in retirement, equity mutual funds or balanced funds are by far the best option.

Every kind of logic points to this: One, a lower tax rate. Two, taxation only on withdrawal. And three, higher returns. Taken together, this effectively closes the argument. Lets see how.

Lets examine fixed deposits first. Suppose you have Rs 1 crore as savings from which you need a regular income. In a bank FD, a year later, it will be Rs 1.07 crore. So you have earned Rs 7 lakh, effectively Rs 58,000 a month, right? Only in theory. Assuming an inflation rate of 5%, if you want to preserve the real value of your Rs 1 crore and continue earning for years, you must leave Rs 1.05 crore in the bank. That leaves Rs 2 lakh for you to spend, which is just a paltry Rs 16,666 a month! This means that if you need Rs 50,000 a month, you need Rs 3 crore. Of course, at that level, income tax also kicks and about Rs 30,000 a year will have to be paid. Its actually even worse, because the tax has to be paid whether you realise the returns or not.

The situation is different when, instead of receiving interest, you are withdrawing from an investment in a hybrid (balanced) mutual fund. Unlike deposits, these are high-earning but volatile. In any given year, the returns could be high or low, but over five to seven years or more, they comfortably exceed inflation by 6-7% or even more. For example, over the past five years, a majority of equity funds have given returns of 12-14% or more. The returns may have fluctuated in individual years, and thats something that the saver has to put up with, but this is the way to defeat the threat of old age poverty.

In such mutual funds, one can withdraw 4% a year and still have a comfortable safety margin. On top of that, the tax is much lower. Instead of being added to your income, as with interest income, you have to pay capital gains tax on withdrawal. As long as the period of investment is greater than one year, returns from equity funds are taxed at 10%. So for a monthly income of Rs 50,000, Rs 1.5 crore will suffice instead of Rs 3 crore as with FDs. And no matter how high your savings and expenditure, its still taxed at 10%.

However, the tax advantage has yet another hidden factor. Lets say you invest Rs 10 lakh in a mutual fund. A year later, the value of the investment increased to Rs 10.80 lakh. Now, you want to withdraw the Rs 80,000 you have gained. In your holding, 7.4% is the gain and the rest (92.6%) is the original amount you invested. When you withdraw any money, the withdrawal shall be considered (for tax purposes) to consist of the gains and the principal in this same proportion. Therefore, of that Rs 80,000, only Rs 5,926 will be considered gains and will be added to your taxable income. Obviously, this makes a big difference in the tax you pay.

The conclusion is clear: in every possible way, it is better to draw your earnings as regular withdrawals from an equity mutual fund, rather than as interest income. The SWP (Systematic Withdrawal Plan) facility is available for regular withdrawals from every open-ended fund. The volatility may be a little uncomfortable in the short-term, but the maths and the logic are crystal clear.

(The writer is CEO, Value Research)

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How to earn regular income by investing in mutual funds - Economic Times

Time-honoured practices may no longer work

If there is sense and sensibility in investing, bonds are undoubtedly the choice for Jane Austens grounded Elinor rather than her flighty Marianne. In modern times the regular income they provide has made them a bedrock of portfolios for those wanting to avoid the sturm und drang of volatile equities. But do they make sense today, when trillions of dollars of bonds worldwide offer outright negative yields if held to maturity?

The worry is that bond prices, which are inversely related to their yields, are perilously high. Maybe they can climb a little further, buffing the established capital gains of the funds that hold them. Or they could fall a long way, denting the wealth of those who depend upon them. Reaching a view on the merits of bonds is crucial for investors in 2020. These longer-term forms of debt, issued by governments and companies, traditionally provided ballast to steady returns. A commonly followed rule in sensible retirement planning is to hold an increasing share of savings in bonds when approaching pensionable age.

But time-honoured practices may no longer work in the strange era of negative bond yields. Though these are essentially a eurozone and Japanese phenomenon, yields elsewhere reached historic lows in 2019. Those on 10-year gilts issued by the British government fell to around 0.4 per cent. At such nugatory levels, returns rely primarily on further price rises, but their logical corollary is still-lower yields. You can try to offset them by holding higher-yielding corporate bonds, but these expose you to the risk of firms that have issued them going bust.

Despite these real concerns, some current anxieties about investing in bonds are overdone. Though gilt yields have moved up from the depths of last year, they were still only a meagre 0.75 per cent as 2020 dawned. For years investors have been wrongly fretting that bond yields are unnaturally low and will rebound, driving prices down. Back at the start of 2017, yields on 10-year US government debt looked set to rise from around 2.5 per cent as the newly-elected President Trump eyed a borrowing splurge. In the event, though they broke 3 per cent at times in 2018, in 2019 they sank back below 1.5 per cent and started 2020 below 2 per cent.

The world of ultra-low interest rates shows little sign of disappearing. Population aging is a structural force holding rates down. A bulge of middle-aged people, who typically save more, has pushed up savings, while investment opportunities have diminished as fewer young people join the workforce. The resulting downward pressure on bond yields should eventually abate as more baby boomers retire and run down savings, but the process is an inherently gradual one.

There are also more immediate forces constraining yields. Global trade growth has slowed to a virtual standstill and the world economy looks stuck in a low-growth rut. The US Federal Reserve and other central banks eased monetary policy still further last year and are on standby to deliver yet more stimulus, bearing down on both short- and long-term interest rates.

As developed economies turn Japanese, with very low inflation and interest rates, it is worth learning lessons from this demographic forerunner, whose working-age population started to fall more than two decades ago. Since then bond yields have subsided and investors hoping to gain from a reversal in the trend have fared so badly that their strategy was dubbed the widowmaker. Global bond markets may appear scarily overpriced, but betting against them this year may be even more dangerous.

Read the rest here:
Investment report: betting on bonds - Prospect

Dear Moneyist,

I have a money problem that is somewhat different from what I read in your column. It is a problem that many would not view as a problem, but its eating me alive. I am 22 years old. I graduated from college last May and, nearly immediately, started a career in management consulting. I make good money and have already built up an impressive (for my age) nest egg.

See also:I love my girlfriend, but she treats her father like an ATM for designer clothes and vacations

I graduated from college with no debt and $45,000 in savings and investment. I saved and invested large portions of my part-time job paycheck for as long as I can remember. I have always maxed out my Roth IRA contributions. I now have around $70,000 saved and invested in my retirement, brokerage, and cash saving accounts.

And yet I am extremely unhappy. I am very grateful for the money I have at my age, especially seeing many of my friends who are drowning in student debt after graduating from college. However, I am so unhappy. I fear I will live my entire life with the miserable feeling of desiring more and more money. I do not want to live like that.

Recommended:My husband grew up dirt poor and doesnt believe in insurance or banks, yet he racked up $7,000 on my credit card

I need to change my perspective on money, but I do not know what to do. I am addicted. I check my brokerage accounts multiple times a day and my mood is greatly affected by how the markets are doing. I am addicted to watching the total accounts number grow in my portfolio. Can you help? I do not want to live my entire life like this.

James

Also see: Can I leave my stepchildren nothing if my husband dies?

Dear James,

Investing is a smarter past-time than gambling, but its also a second cousin, once removed. Neither provides the answers to all of lifes problems.

You are way ahead of the game. Just half (47%) of working millennials have $15,000 or more in savings, while only 16% have $100,000 or more in savings, according to recent Bank of America BAC, -1.70% report, which surveyed 2,000 millennials aged 23 to 37. The bank asked about savings, including bank savings/checking accounts, IRA, 401(k) and other investment accounts.

Our attention spans are getting shorter, our sleep cycles are increasingly interrupted by technology and our brains are hot-wired to the information superhighway. Facebook FB, -0.83%, Twitter TWTR, -2.07%, dating apps like Tinder IAC, -2.42%, video games and, yes, even investment apps can give us instant validation and lead to addictive behavior.

Technology can stop us from being present and become a source of escape from the realworld. Some people are lonely; others suffer from anxiety and depression and/or stress and social anxiety. Instagram even stopped telling users how many likes their followers get in order to reduce this never-ending search for validation.

Dont miss: Im 65, my mortgage is paid off and I have $370,000 in savings, so why I am still worried about money?

A couple of years ago, Joel Edwards, executive director ofMorningside Recoveryin Newport Beach, Calif., told me,The smartphone is the tool that helps exacerbate that addiction or its a tool they use not to deal with that addiction.These technologies are driving addictions faster and with more intensity than ever before.

Similarly, Cole Rucker, CEO of Paradigm Malibu, a mental health center, said people use smartphones as a coping skill rather than learning to sit with their emotions and developing relationships. It doesnt mean theyre scoring drugs, but they might be shopping on eBay EBAY, -0.70% and Amazon AMZN, -1.22% or, like you, obsessing about their stocks.

There are plenty of actions you can take. Exercise, healthy eating, volunteering and/or helping others, meditation and getting enough sleep are all key to our physical and emotional health. If youre already on the beam and have perfected that pentagon of good living and, honestly, who has? remove the apps from your phone and commit to checking your portfolio once a month.

Also see: 5 ways to buy happiness

Only you can figure out what lies beneath. Did you have a financially insecure childhood? Is it an outlet for other anxieties? Or do you worry about the future and this has become an outlet for those fears? I cant answer that question and I dont want to play the part of armchair psychoanalyst, but theyre questions worth asking.

Putting my Moneyist hat on, I can tell you this: its better to answer these questions today because if and when there is a downturn in the market, you want to be emotionally and mentally prepared to ride it out, rather than panic. Financial advisers generally recommend against people making investment decisions based on emotion. You could see a financial therapist.

The Financial Therapy Association takes a holistic approach to managing your finances, including your personal history and relationships past and present. Money and all the trappings of wealth do give us the luxury of choice, but financial freedom will not make all of our other worries go away. The good news: You are on the road to financial independence.

There are many things in life beyond our control, and short-term fluctuations in stocks is one of them. Youve learned to plan for tomorrow. For 2020, your next task is to live for today.

Do you have questions about inheritance, tipping, weddings, family feuds, friends or any tricky issues relating to manners and money? Send them to MarketWatchs Moneyist and please include the state where you live (no full names will be used).

By submitting your story to Dow Jones & Company, the publisher of MarketWatch, you understand and agree that we may use your story, or versions of it, in all media and platforms, including via third parties.

Would you like to sign up to an email alert when a new Moneyist column has been published? If so, click on this link.

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Im 22 with $70,000 in savings and investments, but Im addicted to checking my brokerage accounts multiple times a day - MarketWatch

Chetna Asmi announces publication of new self-help book

BRISBANE, Australia, Jan. 27, 2020 /PRNewswire-PRWeb/ -- Having learned from one extraordinary spiritual experience, Chetna Asmi felt a responsibility to share it. Asmi's new self-help book "Reverent Whisper" (published by Balboa Press AU) shares his experience through the character James "Jimmy" Semper Digne.

Mostly set on a farm by the sea with mangrove swamp and bush nearby, the story follows Jimmy and his imaginary friend Reverent Whisper as he sets out to save the world. "Reverent Whisper" is about Jimmy and others becoming aware of their spiritual nature and seeing the truth of who they are.

An excerpt from "Reverent Whisper" reads: There is an undiscovered frontier within us that is beyond comprehension, beyond our wildest dreams or our most glorious imaginings. Our ignorance and fear has entrapped a timeless and endless wilderness of wonder within us which is bursting to reveal itself.

"(My book) is different because I was not a writer nor am I an intellectual," Asmi says. "This book was born out of an extraordinary experience which allowed me to see the truth of who I was. This book (I believe) will touch all ages." "Reverent Whisper" is available for purchase at: https://www.amazon.com/Reverent-Whisper-Chetna-Asmi/dp/1504317270.

"Reverent Whisper" By Chetna Asmi Softcover | 5 x 8 in | 234 pages | ISBN 9781504317276 E-Book | 234 pages | ISBN 9781504317283 Available at Amazon and Barnes & Noble

About the Author Chetna Asmi was born, raised and still lives in South East Queensland, Australia. Asmi, as he is known, has worked as a cabinetmaker all his life and still runs his own small business. Asmi is a keen sports person and in his younger days played cricket and tennis and now golf. Over the years he trained as a life coach and also has a diploma in counseling.

Balboa Press Australia is a division of Hay House, Inc., a leading provider in publishing products that specialise in self-help and the mind, body and spirit genre. Through an alliance with the worldwide self-publishing leader Author Solutions, LLC, authors benefit from the leadership of Hay House Publishing and the speed-to-market advantages of the Author Solutions self-publishing model. For more information or to start publishing today, visit balboapress.com.au/ or call 1800 050 315.

SOURCE Chetna Asmi

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'Reverent Whisper' focuses on a theme of becoming aware of one's spiritual nature - Yahoo Finance

Monday, Jan. 27

Kripalu Yoga:9 to 10 a.m. (gentle/moderate). MaMA, Marbletown Multi-Arts, 3588 Main St., Stone Ridge.

Settled and Serving in Place (Kingston Chapter):Meets 9:30 a.m. at the Olympic Diner, Washington Ave., Kingston. Settled and Serving in Place is a social self-help group for seniors who want to remain in their homes and community. (845) 303-9689.

Mother Goose Storytime for Babies:9:30 a.m. Hyde Park Free Library, 2 Main St., Hyde Park. (845) 229-7791.

Toddler Romp & Stomp:10 a.m. every Monday. The folks at Little Pickles have been generous enough to lend the library their playroom for this music and movement program. Little Pickles is located at 7505 North Broadway, Red Hook. Event is free and open to the public. For more information, call the Red Hook Public Library at (845) 758-3241. The library is located at 7444 South Broadway, Red Hook.

What a Way to Start Your Day:10 a.m. Arlington Reformed Church, Raymond and Haight avenues, Poughkeepsie.

Happy Apple Thrift Shop:10 a.m., 24 E. OReilly St., Kingston. To 3 p.m. (845) 338-0833.

Mahjongg:10 a.m. to 1 p.m. Will teach if necessary. All welcome. Temple Emmanuel, Albany Ave., Kingston. Call Estelle Nadler, (845) 657-8476 for more information.

Yoga:10:15 to 11:45 a.m. Mountainview Studio, 20 Mountainview Ave., Woodstock. Mixed level class. Yang Yin Yoga. Classes are $15 with the first class free. (845) 679-0901.

Toddler Romp & Stomp:10:30 a.m. and Toddler FUNdamentals at 11 a.m. Red Hook Library, 7444 South Broadway, Red Hook. Free and open to the public.

Math Help:3 to 5 p.m. Phyllis Rosato welcomes all ages welcome. From kindergarten to calculus. Phoenicia Library, 48 Main St., Phoenicia. (845) 688-7811.

Stump Me!:3:30 to 4:30 p.m. Get help with elementary school homework. Saugerties Public Library, 91 Washington Ave. (845) 246-4317, http://saugertiespubliclibrary.org/

Movement Monday:4 to 5 p.m. This program is designed to help children find release from the normal stress and anxiety resulting from their daily lives. Pre-registration is encouraged. Call the Rosendale Youth Program at (845) 658-8982 or email rosyouth@hvc.rr.com for more information or to sign up. Walk-ins are welcome. A weekly commitment is not required.

Fitness Hour:4 to 5 p.m. Saugerties Public Library, 91 Washington Ave. (845) 246-4317, http://saugertiespubliclibrary.org/

Healthy Back Exercise Program:4 to 5:15 p.m. Exercises to strengthen back and abdominal muscles and increase flexibility and range of movement. 28 West Fitness Gym, Route 28 and Maverick Road, Glenford. Fee: $12 per class ($10 for gym members). Anne Olin, (845) 679-6250.

Cards:6 to 8 p.m. Play Pinochle. Ellenville Library, 40 Center St., Ellenville. (845) 657-5530.

Community Yoga:6:30 to 7:30 p.m. New LGBTQ + Allies. This is weekly beginners class taught by Michele Muller. $5 suggested donation. Hudson Valley LGBTQ, 300 Wall St.,Kingston.

Mens Choir:7 to 9:15 p.m. Men of all ages, who would enjoy singing in a mens choir, are welcomed to join the Catskill Glee Club. Community Life Church, 20 W. Main St., Catskill. For questions, contact CatskillGleeClub@gmail.com or call Bob at (845) 389-1503.

Gentle Yoga:7 p.m. Olive Free Library, 4033 Route 28A, West Shokan. (845) 657-2482. Fee $6 drop-in.

Lecture:7:30 p.m. Ralph T. Waterman Bird Clubs evening lecture, "Birding in South Africa.": Freedom Plains Presbyterian Church, Fellowship Hall, 1168 state Route 55, LaGrangeville.

Pickleball:9 a.m. to 12 p.m. Kingston YMCA. For experienced players. Free to Y members. $10 non-member day pass.Starting at 16 years old for all play.Call (845) 338-3810 or pballkingson@gmail.com for more information.

Aquoga class:9:30 to 10:15 a.m. at Kingston YMCA. Free to YMCA members; $10 non-member day pass available. (845) 338-3810 or amy@aquoga.com.

Settled and Serving in Place (SSIP 209):9:30 a.m. meets on Tuesday mornings, 9:30 a.m. at Lydias Country Deli, Route 209, south of Stone Ridge. SSIPs are local self-help, social groups which help seniors to stay in their own homes and remain active in their communities. For more information, call ViVi at (845) 331-0155.

Settled and Serving in Place meeting:9:30 a.m.Saugerties seniors meet at The Village Diner on Main Street. Settled and Serving in Place (SSIP) is a social self-help group for seniors who want to remain in their homes and community. (845) 246-3285.

Bridge Games:10 a.m. Church of the Messiah hall, Chestnut St. Rhinebeck. $10. For more information, call Pat at (845) 331-1743.

Computer Learning Center:10 a.m. to 3 p.m. Teaching computer-related and digital photography classes, Kingston Center of SUNY Ulster, 94 Marys Ave., Kingston. (845) 339-0046.

Preschool Story Hour:10 a.m. Olive Free Library, 4033 Route 28A, West Shokan. (845) 657-2482.

Toddler Time:10 to 11 a.m. Stone Ridge Library, Main Street, Stone Ridge. (845) 687-2044.

Happy Apple Thrift Shop:10 a.m. to 3 p.m. 24 E. OReilly St., Kingston. (845) 338-0833.

Mall Walking with OFA:10 a.m. Join a staff member from Ulster County Office for the Aging each week for a walk and talk. Every Tuesday at 10 a.m. sharp. Meet in the Food Court at 9:45 a.m. with a place for your coats. Hudson Valley Mall, 1300 Ulster Ave., town of Ulster.

Community Playspace:10 to 10:45 a.m. Gardiner Library, 133 Farmers Turnpike, Gardiner. Led by childrens librarian Amy Laber, a singer-songwriter, early childhood music.

Terrific two/three storytime:10 a.m. Gardiner Library, 133 Farmers Turnpike, Gardiner. (845) 255-1255.

Yoga:10:15 to 11:15 a.m. Energy Medicine Yoga will be taught by Maryanne. Mountain View Studio, 20 Mountainview Ave., Woodstock (845) 679-0901. Classes are $10 cash or check.mtnviewstudio.com.

Tots n Tales Story Time, For 2- and 3-Year-Olds:10:30 a.m. Hyde Park Free Library, 2 Main St., Hyde Park.

Preschool Storytime:10:30 a.m. For 3-to-5-years-old, Ellenville Public Library, 40 Center St., Ellenville. (845) 647-5530.

Story Craft and Play:10:30 to 11:30 a.m. together Tuesdays with Janice for children birth through preschool. Come to join the gang of local parents. Phoenicia Library, 48 Main St., Phoenicia. (845) 688-7811.

Toddlertime story hour and crafts:10:30 a.m. For children ages 18 months to 3 years, Kingston Library, 55 Franklin St., Kingston.

Tuesday Tales:11 a.m. For preschoolers ages 3-to-6-years-old, Saugerties Public Library, 91 Washington Ave., Saugerties. (845) 246-4317.

Classes:11 a.m. to 12 p.m. 8 Immortals internal Chinese straight sword (Jian) adapted to Tai Chi principles, Hawksbrother. (You may take both classes, or either Sword or Tai Chi Chuan). Marbletown Multi-Arts, 3588 Main St., Stone Ridge. (845) 687-6090

Free Caregiver Support Group:11:30 a.m. Community Center, 3 Veterans Drive, New Paltz. Join Miss Penny for a fun-filled storytime for the very young. Appropriate for ages 1-3.

Classes:Noon to 1 p.m. Second-generation Yang Tai Chi Chuan, with related Tai Chi Chuan chi gung, Hawksbrother. (You may take both classes, of either Sword or Tai Chi Chuan). Marbletown Multi-Arts, 3588 Main St., Stone Ridge. (845) 687-6090.

Thrift Store:12 to 4 p.m. Margaretville Hospital Auxilary Thrift Shop, 850 Main St., Margaretville.

Story Time:1 p.m. Preschool story time. Early literacy activities and stories for children ages 3-5. Ellenville Public Library & Museum, 40 Center St., Ellenville. (845) 647-5530.

Story Hours Grades 2 and 3:3:30 to 4:30 p.m. Stone Ridge Library, 3700 Main St., Stone Ridge. (845) 687-7023.

Pokemon Club:3:30 to 4:30 p.m. Saugerties Public Library, 91 Washington Ave., Saugerties. (845) 246-4317.

Scrabble:4 p.m. Saugerties Public Library, 91 Washington Ave., Saugerties. (845) 246-4317.

Aroma Yoga Flow:4 to 5:15 p.m. (moderate) with young living essential oils. MaMA, Marbletown Multi-Arts, 3588 Main St., Stone Ridge.

Terrific Tuesdays:4:15 p.m. For grades K-6, Ellenville Public Library and Museum, 40 Center St., Ellenville. (845) 647-5530.

Boxing Conditioning:4:15 to 5 p.m., children ages 7-12; 5 to 5:45 p.m., teens; 6 to 7 p.m., adults. Mountainview Studio, 20 Mountainview Ave., Woodstock. mtviewstudio@gmail.com

LGBTQ Community Acupuncture Clinic:5 to 7 p.m., 300 Wall Street, Kingston. RSVPs highly suggested, though walk-ins will be welcomed when space is available; book your appointment at lgbtqcenter.org/acupuncture or call (845) 331-5300. The LGBTQ Community Acupuncture Clinic takes place in a relaxed and low-lit group setting using points on the ears, hands and feet. Intake takes approximately 10 minutes and resting time (after the needles are inserted) will vary, based on your preference, but is typically 20-45 minutes. $5 suggested donation, no one turned away for lack of funds.

Meditative Movement:5:30 to 6:30 p.m. Meditative movement (a blend of Yin/Gentle/Restorative). MaMA, Marbletown Multi-Arts, 3588 Main St., Stone Ridge.

Scrabble:6 to 8 p.m. Serious (and fun!). Wordplay at Ellenville Public Library, 40 Center St., Ellenville. (845) 647-5530.

Meeting:6 p.m. Town of Ulster Library Board meets the fourth Tuesday of each month. 860 Ulster Ave., Kingston.

Craft Night:6:30 p.m. Highland Public Library, 30 Church St., Highland. Sara creates a new project with tweens and teens ages 8-13. (845) 691-2275 or http://www.highlandlibrary.org.

Scrabble and Other Games:6:30 p.m. Pine Hill Community Center, 287 Main St., Pine Hill.

Open Mic:7 p.m. with Cameron & Ryder. Club Helsinki, 405 Columbia St., Hudson. (518) 828-4800, liveatthefalcon.com.

Weekly Meditation:7:30 to 8:30 p.m. Free weekly community meditation at Education Annex Of Wellness Embodied: A Center for Psychotherapy and Healing, 126 Main St., New Paltz. For optional beginner instruction, please arrive at 7:20 p.m. Donations accepted. http://www.wellnessembodiedcenter.com/community-meditation.

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Mid-Hudson Calendar of Events: Jan. 27 and 28, 2020 | Life and Entertainment - The Daily Freeman

There was a point in life when I wasn't doing such a great job on the savings front. I was juggling a host of new expenses that came with having kids (think outrageously high child care costs), and I was also grappling with a variable income as a result of being self-employed. During that time, I wasn't doing a great job of adding to my near-term savings, and I wasn't making the progress I wanted on my retirement savings, either.

Thankfully, a few tweaks turned things around for the better and got my savings back on track, so much so that a year after implementing them, I had managed to save twice as much as I did the year before. These are the tricks that really worked for me -- and can easily work for you, too.

IMAGE SOURCE: GETTY IMAGES.

Having a household budget helps me keep track of my spending and make adjustments to my expenses as needed. But a while back, I realized one important thing was missing from my budget -- a line item for savings.

Once this hit me, I reordered that budget so that savings came first, and from there, I worked in my remaining expenses. Doing so helped me realize that to meet the goals I'd set for myself, I'd need to cut back on some non-essential spending. That meant going out to eat a little less frequently, spending less on entertainment, and taking low-cost vacations instead of springing for nicer hotels. But once I made those changes, I learned to not only live with them, but live happily with them, especially with the knowledge that I was helping my savings grow the way I wanted them to.

Being self-employed means I can't sign up for a company 401(k) and have retirement plan contributions deducted from my paycheck. But I still managed to automate my savings, and doing so has helped me stay on track.

Each month, I have a portion of money from my checking account get transferred into savings automatically. From there, I can keep that money in regular savings, or I can send it to my retirement plan. The key, however, is that it leaves my checking account before I get a chance to spend it.

Anyone who's struggled with self-control in the past would be wise to take advantage of automated savings. Many IRAs have this option, too, so even if you don't have access to a 401(k) through work, you can still set yourself up to send money from each paycheck to a retirement plan automatically.

Like many consumers, I tend to have a hard time saying no to a bargain. But once I realized I was spending too much money on unplanned purchases, I knew some changes were in order.

To this end, I instituted the 24-hour rule, which goes as follows: When I'm tempted to buy something I wasn't intending to purchase, I must wait a full 24 hours to go through with it. And to be clear, I'm not talking about grabbing one extra $3 bag of chips off the shelf at the supermarket, or buying an extra $5 package of socks for my kids because I see it on sale. I'm talking about substantial purchases that clearly aren't necessities (in my world, snacks are). But since implementing that rule, I've avoided spending money by coming to my senses and realizing I can do without most of the things I've been tempted by.

If saving money were an easy thing to do, more of us would do it -- and do it well. But the reality is that saving money is hard, as evidenced by the fact that 39% of Americans reportedly don't have enough cash reserves to cover an unplanned $400 expense. If your savings need a pick-me-up, give the above tricks a go. They could really make a world of a difference.

Read more:
These 3 Tricks Helped Me Double My Savings -- and They Can Help You, Too - The Motley Fool

MEADVILLE, Pa., Jan. 27, 2020 /PRNewswire-PRWeb/ --"Journal to Your Power": a therapeutic tool that will help a person prioritize what is needed and also handle emotional and mental barricades through allowing spaces for self-reflection and self-expression. "Journal to Your Power" is the creation of published author Trish Moore, an entrepreneur and a licensed massage therapist of over 18 years who has studied Life Coaching, Personal Training, Nutrition, and EFT. She is a single parent and an only child raised by her mother. Her passion is to be a blessing to people who come into her life whether it's through massage, listening, nutritional advice, or coaching in a positive direction of empowerment.

Moore shares, "The purpose of this book is to bring out 'your power' that you already have within. Journal to Your Power is a positive book that you are going to write in daily, journaling your answers to each chapter. This book will encourage you to help you feel good about yourself and great about helping others. It will give you inner power and help you find out the power locked inside of your heart, deep within, a power you never knew you had.

"This book will help you know who you are and what you can achieve as you follow each chapter.

"Journal to Your Power is great for everyone, male or female; adults or teenagers, as well as a great teaching source for a classroom setting. This book will empower you to do things you never thought about, but willing to try for a fulfilling purpose or just for fun. You can read this book over and over, and I promise it will be different each time you start at the beginning. Go, Do, Be."

Published by Christian Faith Publishing, Trish Moore's new book is a thought-provoking manuscript that carries hope, self-help, courage, happiness, and peace of mind which will lead to bringing out the power that is within an individual.

View a synopsis of "Journal to Your Power" on YouTube.

Consumers can purchase "Journal to Your Power" at traditional brick & mortar bookstores, or online at Amazon.com, Apple iTunes store, or Barnes and Noble.

For additional information or inquiries about "Journal to Your Power," contact the Christian Faith Publishing media department at 866-554-0919.

SOURCE Christian Faith Publishing

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Trish Moore's Newly Released "Journal to Your Power" Is a Brilliant Way of Understanding Oneself and Reorganizing One's Thoughts and Plans...

TYLER, Texas Hundreds of woman gathered in Tyler Saturday to help mentor other young women to success.

"We just really think that that's an age group that really needs self-confidence instilled and a lot of values being pushed towards them," said Monica Miller with the Junior League of Tyler, who sponsored the event.

From online safety to self-defense there were all sorts of topics covered to try and teach these sixth-grade girls how they can become their best selves.

Chapel Hill Middle School counselor Frances Palmer says making sure young women are educated is key to their future.

"Young women who are in their 20's and 30's place value on teaching the young girls giving them power, giving them information, giving them a plan for their future," Palmer said.

Former CBS 19 host Tashara Parker returned to the East Texas for the event. She says mentoring young women is embedded deep in her heart.

"To help young girls continue to succeed in whatever it is that they want to do because I want to show them that as long as you're preparing yourself for whatever opportunity and when it presents itself, then you're going to be ready," Parker said.

Both women believe girls have the power within them to succeed if they seize the opportunity.

"If they can walk away with a sense of community, knowing why it's important to give back and if they can walk away with knowing how to fulfill their greatest potential when it comes to confidence, then definitely, that's two things at the very least, that I want them to walk away with," Parker explained.

"I want them to grow up a little bit today and walk out with head high and feel better about themselves in their future," said Palmer.

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Women come together in Tyler to help mentor the future - CBS19.tv KYTX