A Colour Forecast For Spring 2017

Forget the monochrome look, forget restraint. One of the strong trends that we can look forward to in spring 2017 is vibrant colour. Think wacky, age of Aquarius style psychedelia. Many of the looks that will come to the fore in spring of next year are going to be a riot of colour. This is great for those of us who love vibrant shades and are not afraid to stand out from the crowd, though perhaps not so good for shrinking violets or those with a more muted aesthetic.

Tie dye is back and there is something of a resurgence of the hippie fashion aesthetic. For Resort, designers showed a range of tie-dye clothing. Both inner and outerwear items were shown and there was plenty of colour on display, much of it in bold, rich tones that are all about the character and the playful wackiness. Spring summer 2017 could be the time to revisit the Summer of Love. But this psychedelia has a sort of contemporary edge, with bold shapes, geometric designs and a strong line in global multiculturalism that reflects our more connected modern age. The way to wear this multi-coloured extravaganza is definitely to give it some gusto, but also a bit of an edge. Think whimsy but with a slightly harder urban slant.

The key to looking up to date and not like you have been lost and wandering on the hippie trail since the 60s is to choose pieces with a more modern shape when going for rainbow coloured clothes. Mismatched patterns and quirky combos will edge this look into another spring summer 2017 look – the chic geek. The idea is that pretty much anything goes and you should let your freak flag fly, showing your own unusual and unique personality through the way you dress.

This colour extravaganza borrows not only from the pschedelia of the 1960s but also from the colourful aesthetic of Tibet, its woven fabrics, strong patterns and bright colours, all with a slightly spiritual bent. There is also a large dose of inspiration taken from Cuba, a nation opening to the US for the first time in over fifty years and one with a strong culture and tropical aesthetic. Colour inspiration is also taken from the northern Californian coast, rich mid-tone blues and beachy hues mingle in with brighter tropical colours. No matter where you look, the spring summer 2017 trends are all about colour. Developing a really good colour sense and knowing which colours will suit you is the key to looking good and finding your own perfect look for the coming seasons.

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The Last Chance for Gold

Growing up in my corner of Florida, there used to be an old gas station on the edge of the Everglades. The proprietor did a lot of business with his oversized, hand-painted warning sign:

Last Chance for Gas.

Beyond the fuel pumps were a thin two-lane ribbon of asphalt and 90 miles of swampy wilderness. No smartphones. No “emergency call boxes.” And, in most places along the highway, no guardrails either.

You were on your own – much like the economic wilderness we’re all forced to navigate today.

Which is why the sharp decline in gold prices and mining stocks is much like that warning sign… and a monetary gift…

In short, if you were waiting on the sidelines after this year’s monster rally, this is your second chance – and, in my view, your last chance – to buy gold at these prices. And it comes at just the right time. Typical Moves for Gold

Gold’s done a full round trip in buyer sentiment during the past 12 months: from being the world’s “most hated commodity” at its lows near $1,050 an ounce 12 months ago to “gotta buy it” status at $1,350 an ounce this summer.

With gold now fallen from those lofty heights, an investor is more likely to ask: “Gold, what have you done for me lately?”

In all, gold’s given back about 60% of its 2017 rally. Yet such sharp declines followed by a resumption of a broader trend higher is a typical early bull market move for this volatile metal. Most famous of these pullbacks was gold’s run to all-time highs in the 1970s.

Starting out at $35 an ounce in the early ’70s, as gold became legal for Americans to own once again, bullion prices soared to almost $190 an ounce in 1975. That’s quite a run all on its own. During the next 18 months, gold prices dropped back nearly 60%, falling to $100 before running to a then-record $800 an ounce in the next three and a half years.

The Song Remains the Same

Most important, when it comes to the companies that dig this stuff out of the ground… nothing has changed.

As I have pointed out in past months, gold mining firms have done a great job getting their costs down and making money to boot.

We noted as early as February that the elite companies in this group were making an average of $215 for every ounce of gold they were digging out of the ground and said, in no uncertain terms, to anyone who’d listen: “Stop panic selling gold mining stocks. Likewise, after cutting dividends in 2014 and 2015 as gold prices plummeted, many of the same companies have not only reinstituted payouts, they’ve started raising them again. In the meantime, mining firms have cleared away much of their old cost structures. That’s why Newmont Mining, as one example, has been able to drop its “AISC” – all-in sustaining costs – from $1,170 in 2012 to $910 so far in 2016.

The point is that there are many reasons to own gold: for speculative profits, as discussed above; for insurance; and for wealth preservation. But you can’t benefit from any of those strategies without taking advantage of the gift that is low gold prices and low expectations put on our table by Wall Street’s hair-trigger traders.

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Stay Healthy and Wealthy

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

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

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

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

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

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

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

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

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

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The Eurozone Train Wreck Continues Into 2017

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

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

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

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

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

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

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

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

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The Features Of Soccer Cleats

Soccer cleats refer to a firm ground soccer shoe, fitted with studs or cleats to provide traction on most grass surfaces and outdoor soccer fields.

The first soccer shoes were ordered by King Henry VIII in 1526 when he wanted another pair to play football with. One that was tougher than his ordinary shoes. As the game got formalized in the mid 19th century, so did the accessories one needed to have while playing the game, the most important of which were the football shoes.

Vulcanization of rubber was an important invention for the manufacture of cleats whose primary purpose was protection of the players’ feet. And so on from there, many innovations and generations later, football boots have come to represent the advancement of shoe making technology and materials and its importance in football, a game which enjoys absolute popularity amongst all the nations of the world. Today’s soccer cleat

Is not built so much for protection as for performance enhancement of the player! It does not even cover the ankle of the player. The cuts and organization of the studs are to suit different purposes. Amateur players use plastic studded cleats for hard ground. A wet ground requires detachable studs for better grip. These could be metal, plastic or rubber. Rubber soles are provided for indoor football shoes and there are special shoes for artificial turf.

Football blades where the studs have blades facing in different directions to minimize ankle injury to the wearer and deliver excellent grip are also an innovation that has drawn flak for causing a disproportionate number of injuries to other players.

A combination of synthetic fibers with or without leather is used for the upper, nowadays, with emphasis on the lightness of the boot. Carbon fiber as a new material, provides extreme lightness and is extremely flexible.

Additional features have been introduced like rubber ridges and shaping the boot for the ball enhance the player’s performance. There are shoes fitted with microchips that capture’s the player’s performance metrics and transmits it to a tablet or PC.

The latest is the environmentally friendly shoe, made with recycled and renewable material. This is also extremely lightweight.

Football cleats of the Future – Some interesting crystal ball gazing

· One young player predicts that the cleats of the future will have retractable studs, allowing him to use them as ordinary shoes· Autolacing capabilities which will be good – the wearer, after tying the laces steps back into the heel of the shoe. While stepping back, he pushes a lever which lock the laces in place. Then the lever is disconnected in case the player steps back again while playing.

· Recyclable material and carbon fibers used in building aircraft will definitely be the order of the day in creating lightweight boots that contain material used in the last world cup! Not only that, each pair of boots will be recycled and rebuilt to suit that customer’s requirements.

Boots that fit like a sock… such silhouettes will be more in demand for better performance and comfort.