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      "body": "![images (6).jpeg](https://cdn.steemitimages.com/DQmQ1TXeuP1vQVca6QqVDVwjDY32Fw87KXepiNLaCUvdkc9/images%20(6).jpeg)\n\nSustainable development is a critical issue facing communities worldwide. It involves meeting the needs of the present without compromising the ability of future generations to meet their own needs. Local governments play a critical role in promoting sustainable development in their communities. In this blog post, we will explore five ways local government can drive sustainable development in your community.\n\n1. Invest in Renewable Energy\n\nRenewable energy is a critical component of sustainable development. Local governments can drive sustainable development by investing in renewable energy sources like solar, wind, and hydropower. This investment can lead to a reduction in greenhouse gas emissions and a decrease in the community's reliance on fossil fuels. It can also create jobs in the renewable energy sector and promote economic growth.\n\n2. Promote Green Infrastructure\n\nGreen infrastructure refers to the network of natural areas and green spaces in a community. Local governments can drive sustainable development by promoting the development of green infrastructure. This can involve investing in parks and green spaces, promoting urban agriculture, and implementing green roofs and walls. Green infrastructure can help to improve air and water quality, reduce the urban heat island effect, and promote biodiversity.\n\n3. Encourage Sustainable Transportation\n\nTransportation is a significant contributor to greenhouse gas emissions. Local governments can drive sustainable development by promoting sustainable transportation options like walking, cycling, and public transit. This can involve investing in pedestrian and cycling infrastructure, implementing bike-share programs, and promoting public transit use. Encouraging sustainable transportation can help to reduce traffic congestion, improve air quality, and promote healthier, more active communities.\n\n4. Implement Sustainable Building Standards\n\nBuildings are responsible for a significant portion of greenhouse gas emissions. Local governments can drive sustainable development by implementing sustainable building standards for new construction and renovations. This can involve requiring energy-efficient building design, promoting the use of sustainable building materials, and encouraging the development of green roofs and walls. Implementing sustainable building standards can help to reduce energy consumption and greenhouse gas emissions, while also promoting the development of more sustainable communities.\n\n5. Foster Sustainable Business Practices\n\nLocal governments can drive sustainable development by promoting sustainable business practices in their communities. This can involve providing incentives for businesses to adopt sustainable practices, such as energy-efficient lighting and waste reduction measures. It can also involve promoting sustainable supply chain practices, such as sourcing materials locally and reducing waste. Fostering sustainable business practices can help to promote economic growth while also reducing the community's environmental impact.\n\nIn conclusion, local government plays a critical role in driving sustainable development in communities. By investing in renewable energy, promoting green infrastructure, encouraging sustainable transportation, implementing sustainable building standards, and fostering sustainable business practices, local governments can help to create more sustainable, resilient, and vibrant communities. These efforts can help to promote economic growth, improve quality of life, and ensure a healthier planet for future generations.",
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      "title": "Things To Consider Before Making Investing Decision",
      "body": "![_20180909_124332.jpg](https://cdn.steemitimages.com/DQmeQAzgwAbwMCYtmj1P8iXXM9c2PDM7XSK952GrrhLsLN5/_20180909_124332.jpg)\n\n\n\n\t\n**Financial Navigating in the Current Economy: Ten Things to Consider Before You Make Investing Decisions**\n\nGiven recent market events, you may be wondering whether you should make changes to your investment portfolio.  The SEC’s Office of Investor Education and Advocacy is concerned that some investors, including bargain hunters and mattress stuffers, are making rapid investment decisions without considering their long-term financial goals.  While we can’t tell you how to manage your investment portfolio during a volatile market, we are issuing this Investor Alert to give you the tools to make an informed decision.  Before you make any decision, consider these areas of importance:\n\n**1. Draw a personal financial roadmap.**\n\nBefore you make any investing decision, sit down and take an honest look at your entire financial situation -- especially if you’ve never made a financial plan before. \n\nThe first step to successful investing is figuring out your goals and risk tolerance – either on your own or with the help of a financial professional.  There is no guarantee that you’ll make money from your investments. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money. \n\n**2. Evaluate your comfort zone in taking on risk.**  \n\nAll investments involve some degree of risk. If you intend to purchase securities - such as stocks, bonds, or mutual funds - it's important that you understand before you invest that you could lose some or all of your money.  Unlike deposits at FDIC-insured banks and NCUA-insured credit unions, the money you invest in securities typically is not federally insured.  You could lose your principal, which is the amount you've invested.  That’s true even if you purchase your investments through a bank.\n\nThe reward for taking on risk is the potential for a greater investment return. If you have a financial goal with a long time horizon, you are likely to make more money by carefully investing in asset categories with greater risk, like stocks or bonds, rather than restricting your investments to assets with less risk, like cash equivalents. On the other hand, investing solely in cash investments may be appropriate for short-term financial goals.  The principal concern for individuals investing in cash equivalents is inflation risk, which is the risk that inflation will outpace and erode returns over time.\n\nFederally Insured Deposits at Banks and Credit Unions -- If you’re not sure if your deposits are backed by the full faith and credit of the U.S. government, it’s easy to find out.  For bank accounts, go to www.myfdicinsurance.gov.  For credit union accounts, go to http://webapps.ncua.gov/Ins/.\n\n**3. Consider an appropriate mix of investments.**  \n\nBy including asset categories with investment returns that move up and down under different market conditions within a portfolio, an investor can help protect against significant losses.  Historically, the returns of the three major asset categories – stocks, bonds, and cash – have not moved up and down at the same time.  Market conditions that cause one asset category to do well often cause another asset category to have average or poor returns.  By investing in more than one asset category, you'll reduce the risk that you'll lose money and your portfolio's overall investment returns will have a smoother ride.  If one asset category's investment return falls, you'll be in a position to counteract your losses in that asset category with better investment returns in another asset category.\n\nIn addition, asset allocation is important because it has major impact on whether you will meet your financial goal.  If you don't include enough risk in your portfolio, your investments may not earn a large enough return to meet your goal.  For example, if you are saving for a long-term goal, such as retirement or college, most financial experts agree that you will likely need to include at least some stock or stock mutual funds in your portfolio.\n\nLifecycle Funds -- To accommodate investors who prefer to use one investment to save for a particular investment goal, such as retirement, some mutual fund companies have begun offering a product known as a \"lifecycle fund.\" A lifecycle fund is a diversified mutual fund that automatically shifts towards a more conservative mix of investments as it approaches a particular year in the future, known as its \"target date.\" A lifecycle fund investor picks a fund with the right target date based on his or her particular investment goal. The managers of the fund then make all decisions about asset allocation, diversification, and rebalancing. It's easy to identify a lifecycle fund because its name will likely refer to its target date. For example, you might see lifecycle funds with names like \"Portfolio 2015,\" \"Retirement Fund 2030,\" or \"Target 2045.”\n\n\n\n**4. Be careful if investing heavily in shares of employer’s stock or any individual stock.**\n\nOne of the most important ways to lessen the risks of investing is to diversify your investments. It’s common sense: don't put all your eggs in one basket.  By picking the right group of investments within an asset category, you may be able to limit your losses and reduce the fluctuations of investment returns without sacrificing too much potential gain. \n\nYou’ll be exposed to significant investment risk if you invest heavily in shares of your employer’s stock or any individual stock.  If that stock does poorly or the company goes bankrupt, you’ll probably lose a lot of money (and perhaps your job). \n\n**5. Create and maintain an emergency fund.**\n\nMost smart investors put enough money in a savings product to cover an emergency, like sudden unemployment.  Some make sure they have up to six months of their income in savings so that they know it will absolutely be there for them when they need it. \n![images (3).png](https://cdn.steemitimages.com/DQmNZRgjifZwK2kVvDHZGF7fdPcBCgzRNnNjL7M4sNMcoad/images%20(3).png)\n**6. Pay off high interest credit card debt.**\n\nThere is no investment strategy anywhere that pays off as well as, or with less risk than, merely paying off all high interest debt you may have. If you owe money on high interest credit cards, the wisest thing you can do under any market conditions is to pay off the balance in full as quickly as possible. \n\n**7. Consider dollar cost averaging.**\n\nThrough the investment strategy known as “dollar cost averaging,” you can protect yourself from the risk of investing all of your money at the wrong time by following a consistent pattern of adding new money to your investment over a long period of time.  By making regular investments with the same amount of money each time, you will buy more of an investment when its price is low and less of the investment when its price is high.  Individuals that typically make a lump-sum contribution to an individual retirement account either at the end of the calendar year or in early April may want to consider “dollar cost averaging” as an investment strategy, especially in a volatile market. \n\n**8. Take advantage of “free money” from employer.**\n\nIn many employer-sponsored retirement plans, the employer will match some or all of your contributions.  If your employer offers a retirement plan and you do not contribute enough to get your employer’s maximum match, you are passing up “free money” for your retirement savings. \n\nKeep Your Money Working -- In most cases, a workplace plan is the most effective way to save for retirement. Consider your options carefully before borrowing from your retirement plan.  In particular, avoid using a 401(k) debit card, except as a last resort.  Money you borrow now will reduce the savings vailable to grow over the years and ultimately what you have when you retire.  Also, if you don’t repay the loan, you may pay federal income taxes and penalties.\n\n**9. Consider rebalancing portfolio occasionally.**\n\nRebalancing is bringing your portfolio back to your original asset allocation mix.  By rebalancing, you'll ensure that your portfolio does not overemphasize one or more asset categories, and you'll return your portfolio to a comfortable level of risk.\n\nStick with Your Plan: Buy Low, Sell High -- Shifting money away from an asset category when it is doing well in favor an asset category that is doing poorly may not be easy, but it can be a wise move.  By cutting back on the current \"winners\" and adding more of the current so-called \"losers,\" rebalancing forces you to buy low and sell high.\n\nYou can rebalance your portfolio based either on the calendar or on your investments.  Many financial experts recommend that investors rebalance their portfolios on a regular time interval, such as every six or twelve months.  The advantage of this method is that the calendar is a reminder of when you should consider rebalancing.  Others recommend rebalancing only when the relative weight of an asset class increases or decreases more than a certain percentage that you've identified in advance.  The advantage of this method is that your investments tell you when to rebalance.  In either case, rebalancing tends to work best when done on a relatively infrequent basis.\n\n**10. Avoid circumstances that can lead to fraud.**\n\nScam artists read the headlines, too.  Often, they’ll use a highly publicized news item to lure potential investors and make their “opportunity” sound more legitimate.  **@Loadedvibe** recommends that you ask questions and check out the answers with an unbiased source before you invest.  Always take your time and talk to trusted friends and family members before investing.\n![images (18).jpeg](https://cdn.steemitimages.com/DQmW2WBhu6eQcMgny3GLSGeUVByo8aHgTdqzz6D86iHj5b8/images%20(18).jpeg)",
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      "body": "![images (14).jpeg](https://cdn.steemitimages.com/DQmcPhPTwyxwVdqi2t2R7Dyv92EQUESbGJMX57jeZ7QDonp/images%20(14).jpeg)\nTeenagers risk their lives when they remain unaware about sex.\nSex education will expose them to their sexual expression.\nIt will protect them from unwanted pregnancies and STDs.\nIntensive training can prevent the prevalence of unauthentic sexual  information.\n\nThe age of modernisation and progress has virtually opened a Pandora’s Box of opportunities and choices for the youth today. This makes the need for sex education among the youth necessary. The youngsters are unpredictable and the risk-taking streak makes them more vulnerable.\nAs far as sex education for youth is concerned, one does see an obvious increase in unwanted teen pregnancies, miscarriages, abortions and spread of STDs. This statistical evidence also proves how unaware the youth are in terms of risking their lives. Precautionary measure is the need of the hour. One must know how to tackle the restlessness of the youth and channelise their energies to a more meaningful direction. Sex education will also expose them to their gender identity, family responsibility, body images, sexual expression, intimacy and the marriage relationship.\n\n![images (15).jpeg](https://cdn.steemitimages.com/DQmbKMUjjMTUSP1VBH2gMM9rL2wrqMYGNcAKTCBLwoZTVo1/images%20(15).jpeg)\n\n**Imparting sex education to Teenagers**\n \n\nIntroducing sex education in school curriculum. This might be implemented in private and government schools with a carefully knitted syllabus covering all the aspects of sex education for youth.\nVarious risky behaviours among youth, such as forced sex, indulging in pornography, physical abuse can lead to early pregnancies. This should form the vital part of the curriculum helping the youth to understand the unethical and inhuman aspect of such behaviours.\nIt should also provide the knowledge of contraceptives and the difference between various contraception methods, such as morning pills, contraceptives, condoms and finally abortion. This should also include the time duration for taking these precautions. Many girls from varied age groups do not have access to this information and give birth to stillborn babies or even encounter death.\nColleges and schools can hold debates and discussions on the importance of sex education and sensitise teachers and students.\nA major section of the Indian society lives below the poverty line, therefore, in order to attract the attention of this social stratum, alternate methods of education must be approached. Film screenings and visual media showing the intensity of STDs and life-taking diseases are a few suggestions. Apart from that, free health camps should also be set up that supply condoms and regular health checkups for the underprivileged.\nMake the youth understand, through intensive training programmes, the importance of self worth. Random sexual acts can cause irreparable damage to the human body. Every individual should learn to understand the worth of life.\nAnother important point within sex education is to teach the youth about personal hygiene.\nThe youth must not allow the generation gap they have with their parents come in the way. Consultation with parents, guardians or trusted authorities can be the best way to put one’s anxieties to rest.\nPrejudice and biases prevent one from understanding the importance of sex education. Every youth must undertake this venture as a responsibility and not just as curriculum.\n![images (16).jpeg](https://cdn.steemitimages.com/DQmR4AZCRfCBWB5Rj1AED6y1oxUy1FsMV6spDz4ddXaQrXo/images%20(16).jpeg)",
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