TIPS TO HELP YOUR FINANCIAL GOALS FOR 2020

TIPS TO HELP YOUR FINANCIAL GOALS FOR 2020

 

BUILD AN EMERGENCY FUND OF 10K

“Your emergency fund is not an investment, it’s insurance with one purpose – to protect you and your family.”

SAVE 20% OF YOUR INCOME PER MONTH

            “Not wasting money is the best way to save money”.


 

READ 10 BOOKS ABOUT FINANCE

“When money realizes that it is in good hands, it wants to 
stay and multiply in those hands.”

INVEST IN A STOCK PORTFOLIO
 “Risk comes from not knowing what you’re doing.”

 FIND A NEW SIDE HUSTLE

“Good things happen to those who hustle.” 



TRACK YOUR FINANCES

 
“Beware of little expenses“.


PAY OFF BAD DEBT

     “That’ll Make You Want to Cut Up Your Credit Cards”.

LEARN A NEW SKILL
 
“The beautiful thing about learning is that nobody can take it away from you.” 

Climate change may push some species to higher elevations — and out of harm’s way

Climate change may push some species to higher elevations — and out of harm’s way
Mountains, Landscape, Nature, Background
A new study published in Nature Communications by scientists at WCS, the University of California, Berkeley, and the United States Forest Service shows that nearly 60 percent of all mountainous area is under intense human pressure. Most of the pressure is at low elevations and mountain bases, which tend to be easier places for people to live, grow food, and build roads. The scientists then used climate models to make predictions about how species would move under climate change. Based on their predictions, they found that species tend to move to higher elevations, and that these higher elevations tend to have more intact land for species because there is less human pressure.
Without factoring in human pressure, the authors warn that conservation actions may be misguided. Factoring in human pressure reveals the true ‘shape’ of a mountain for species that are restricted to intact landscapes, which are often the species of greatest conservation concern. Here, the ‘true shape’ refers to how much land area is potentially available as habitat for a species as it moves up in elevation, not simply how much total land area is available. The true shape can reveal where species will tend to lose versus gain intact land area as they shift under climate change: the elevations where species are expected to lose area represent the priority zones for conservation.
Mountains are home to over 85 percent of the world’s amphibians, birds, and mammals, making them global conservation priorities. But mountain-dwelling species are at risk from human activities, such as agriculture, livestock grazing, and development that reduce their habitat, and climate change that threatens to push species upslope as they struggle to find tolerable temperatures.
“Species are adapted to certain temperature conditions. As temperatures warm in mountains, scientists have documented species moving to higher elevations to maintain the same temperatures,” said Paul Elsen, a WCS Climate Adaptation Scientist and lead author of the study. “This was always seen as a problem, because species would have less land area and less habitat to occupy at high elevations. But what we found is that as species move upslope, they tend to move away from areas that are already under intense human pressure and into areas with reduced human pressure. As a result, they can occupy more intact land area, even if the total amount of land area declines.”
The authors combined several global databases to make their assessments: high-resolution digital elevation models gave a picture about how much surface area is available at different elevations. The Human Footprint Index provided information on pressure from human activities. Global climate models projected how temperatures are likely to change by the late 21st century.
The authors then used computer simulations to place hundreds of thousands of hypothetical ‘species’ across all mountain ranges at different elevations and then predicted how they would shift their ranges based on climate projections. For each simulation, they compared the amount of area the species had to begin with to the amount they would have after the range shift under climate change.
Said Elsen: “We were surprised to find that many species had more intact land area available after the range shift compared to when they started.”
The results suggest that many species in mountain ranges may have more intact land area available in the future if they track warming temperatures to higher slopes, though there were exceptions.
“Our results offer a glimmer of hope for montane species under climate change,” Elsen said. “Montane species are still facing tremendous human pressure, especially at low elevations, but we have the opportunity now to protect intact habitats at higher elevations to give these species the best possible chance going forward.”

Tokyo 2020 shows off Olympic medals made from old phones

Image result for tokyo olympics 2020 medal hd images - ... images
Tokyo 2020 shows off Olympic medals made from old phones

Japan’s Tokyo 2020 has unveiled its Olympic medals made from recycled mobile phones. The Tokyo Organizing Committee of the Olympic and Paralympic Games said its Tokyo 2020 Medal Project sourced small electronic devices from all over Japan to create 5,000 gold, silver and bronze medals.
Tokyo 2020 had first announced it would be making its medals out of recycled electronics way back in February 2017, asking the public to donate its old or unwanted phones. Gold, silver and bronze were extracted from the phones, with the same method used in the Vancouver 2010 Olympic and Paralympic Winter Games.
“We hope that our project to recycle small consumer electronics and our efforts to contribute to an environmentally friendly and sustainable society will become a legacy of the Tokyo 2020 Games,” Tokyo 2020 said.
The medals symbolize the energy of athletes, as well as the diversity of the games, Tokyo 2020 said, while their brilliant “signifies the warm glow of friendship.”
The design of the medals also represents Japanese culture, with the ribbon showing off modernized ichimatsu moyo (checkered patterns) and kasane no irome (kimono layering techniques). The Tokyo 2020 colors are added to the ribbon through more co2-friendly chemically-recycled polyester fibers.
The medal cases are being created by Japanese craftworkers “with a blend of traditional and modern techniques.”
In another effort to infuse its culture into the Tokyo 2020 Olympic and Paralympic Games, Japanese artists are also re-creating flags of countries participating in the event as anime characters, though the project is not officially affiliated with the games.