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How much should you spend on a car? #car #or #truck, #monthly #car #payment,

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How much should you spend on a car?

Most Americans are spending far more than they can afford on cars and trucks.

Just because the monthly payments are manageable doesn’t mean it’s smart to let a $30,000 or $40,000 auto loan gobble up a huge chunk of your paycheck every month.

This is one of life’s biggest expenses, and it’s a purchase where you have total control over how much you spend.

The car companies know this.

It’s why they devote billions of dollars a year to advertising that tries to make this a purely emotional choice. You’re urged to choose a ride that tells the world how successful you’ve been. Or how hip you are.

The automakers want to grab as much of your money as you’ll let them take.

Week after week. Month after month. Year after year. They want you to keep paying them.

Yet you can get a great car for much less and use the savings to invest in yourself.

Here’s where the money for your retirement or kids’ college can come from.

The 20/4/10 rule

It all starts with what we call the 20/4/10 rule, which says you should:

  • Make a down payment of at least 20%.
  • Finance a car for no more than four years.
  • And not let your total monthly vehicle expense, including principal, interest and insurance, exceed 10% of your gross income.

So grab your pay stubs and determine your household’s monthly gross income — that’s how much you and your spouse make before any taxes or expenses are deducted.

Then find your most recent auto insurance bills, and figure out how much you’re spending per month on premiums.

Take 10% of your gross monthly income, and subtract the monthly insurance premiums.

That is the monthly car payment you can afford to make.

Let’s say, for example, you earn $53,000 and spend $80 a month for insurance — right around national median household income and average premium for a single car.

Your monthly gross income would be $4,416, one-tenth of that would be $441 and the monthly car payment you could afford would be $365.

Click the circle at the top that says you want to calculate the “Total purchase price.”

Enter the monthly payment you can afford, and choose to finance the balance over 48 months, as the 20/4/10 rule suggests.

Use 4.35% for the interest rate, which is right at the average cost of a 4-year new-car loan.

Or search Bankrate’s database of the best car loans in your area, and use that rate instead.

What you’ll pay

Most buyers with reasonable credit will pay less than average for financing.

Under Down payment. on our auto calculator, enter how much cash you’ll be devoting to the purchase and the trade-in value of your existing car or truck.

Under Taxes and fees. enter the sales tax rate for where you live and license your vehicles. Remember that the sales tax rate on vehicles may be different than it is for everyday expenses such as food and clothes.

Hit the “Calculate” button, and the “Total purchase price” will appear at the top of the calculator. That’s how much you can afford to spend.

Using our example, with a $365 monthly payment, $3,000 down payment, a sales tax rate of 7% and no other fees, this family could afford to spend $17,870.

Are there situations where you could responsibly spend more?

Let’s say the new car or truck you’re buying offers a $1,500 rebate that you used to boost your down payment.

If you have decent credit, you might qualify for discount financing from the automaker or a regular loan that costs less than the 4.14% average.

The more you put down, and the lower the interest rate, the more you’ll be able to afford to spend.

Longer loans are one of the auto industry’s favorite tricks to lower monthly payments and help customers buy more expensive cars than they can really afford.

The 48-month loans we recommend are bad enough, siphoning thousands of dollars in interest from your savings to pay for something that’s losing value every day you own it.

Longer loans are just bigger wealth killers. If you need to finance a vehicle for six years, it’s a sign you can’t afford it.

Edit: This article was pretty informative, but if you’re a young person, there’s no way in hell you’re only spending 80 a month on insurance.





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Play Caravaneer, a free online game on Kongregate #business #game

#business games online

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What does this mean for me? You will always be able to play your favorite games on Kongregate. However, certain site features may suddenly stop working and leave you with a severely degraded experience.

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Caravaneer





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Project management cloud solutions #force.com, #salesforce.com, #project #portfolio #management, #ppm #on #salesforce, #ppm, #apm,

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WHY CLOUDBYZ

Cloudbyz delivers innovative Cloud and Mobile Software and Solutions that embed industry domain processes and capabilities and help enterprise to achieve innovation, agility and transform customer centric enterprise.

We work with you to keep delivering value, even as your business grows and changes. Our customer success managers are dedicated to making sure you get the most out of your Cloudbyz license; our consulting, training and support programs offer expertise and insights designed to help you get results faster.

With Cloudbyz, additional users and additional functionality can be added with a few clicks — no extra hardware, no extra risk. If you need to scale back down or restructure your organization in the future, Cloudbyz effortlessly changes with you.

CLOUDBYZ CTMS & eTMF

CLOUDBYZ CTMS built natively on Salesforce.com platform offers comprehensive capabilities and helps life sciences and contract research organizations (CRO) to Innovate clinical research with real-time visitbilty and faster time to market.

CLOUDBYZ ITPM

CLOUDBYZ IT Portfolio Management (ITPM) is an integrated enterprise project portfolio management (PPM), application lifecycle management (ALM) and application portfolio management (APM) built natively on Salesforce.com platform.

INDUSTRY SOLUTIONS

CLOUDBYZ offers array of pre-built industry solutions for life sciences, CRO and enterprise IT by leveraging in-depth industry experience and technology expertise and help customers to achieve innovation and agility in Digital Age.

TRANSFORMATION ADVISORY

Transformation services span technology strategy, innovation, operating model, service delivery design and implementation. Our Transformation offering leverages the full breadth and depth of expertise to establish a platform for growth for our clients.

WHY CLOUDBYZ

INVEST IN INNOVATION

Built on leading cloud platform, Cloudbyz applications help you to be more agile and innovative. Get automatic upgrades and new features three times a year so you can focus on the business.

BUILT BY DOMAIN EXPERTS

Cloudbyz’s team of industry experts bring decades of experience delivering customer management solutions for global companies. We embed this domain expertise in our software to deliver innovation with deep capabilities for customers.

REAL-TIME VISIBILITY

Reports and Dashboards offer a real-time picture of your business at a glance. Dig deeper with detailed reports that anyone can create. And access your reports and dashboards from anywhere.

THE MOST TRUSTED CLOUD

Built on world’s most trusted cloud platform. Get granular control over everything from user authentication to data access. Rigorous, multi-layered approach to data security is trusted by the world’s most heavily regulated industries.

Have been looking for a solution that does everything in the title for a long time, and with the benefit of the force.com platform, it is even better, particularly with the ability to adapt the tool to our specific needs. We are now easily tracking all applications, the work requests for them, the work done on them, the change management around them. A great tool, and Cloudbyz is very attentive to needs/requests as well. Keep up the good work!

Chris Talley Sr Director, App Development, Delta Career Education

It is as good as it sounds. Comprehensive integrated management of the PPM, ALM and APM domain. Allowing a 360 view of applications, effort and resources on our total IT lanscape and all in realtime. Finally with ITPM we can truly have that business alignment we have been looking for and start to plan, develop an manage quicker, more agile and with higher quality. Getting rid of the various point tools frees up heaps of time that can now be deployed towards delivering real business value.

Cloudbyz has a strong mix of knowledge around Salesforce.com best practices, understanding their client’s sales processes, and architecting solutions that ensures productivity gains for the sales organizations they work with.

Mike Pugh Director of Sales Operations – LRSUS at Wolters Kluwer





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Expert Interview with Noah Wieder on the benefits of owning an ATM #business #loan

#atm business

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Expert Interview with Noah Wieder on the benefits of owning an ATM

Cash is still king in plenty of places, which is why ATMs are more popular than ever, says Noah C. Wieder, CEO of ATM Depot .

ATM users prefer to pay with cash to avoid credit card debt and interest charges, and merchants also prefer cash users; so having an ATM nearby helps them lower their credit card processing fees.

“So it’s a win-win for merchants who either own and operate their own ATM or who contract with an IAD to operate one for them,” he adds.

Noah recently checked in to tell us about the benefits of investing in an ATM machine and give us a crash course on becoming an independent ATM deployer. Here’s what he had to say:

Tell us the story behind ATM Depot. What’s on your site? Who should be reading it?

ATM Depot caters to individuals, investors, entrepreneurs and independent ATM deployers (IAD’s) looking for a flexible, friendly, experienced and honest ATM company. We believe in transparency in an industry where we see a lot of secrets and scams .

Who can invest in an ATM machine?

Literally, anyone can invest in an ATM. Retailers; commercial landlords; city governments looking to increase revenues at parks, museums and other public places; entrepreneurs; and anyone who can count money.

The cost to enter the ATM business is amazingly low. Many ATM models can be purchased for under $2,500 including shipping. The cost of not working with an experienced ATM company is the expensive part. The cost of learning from mistakes can get expensive.

A better question is who can operate an ATM. Most investors and entrepreneurs can invest or operate an ATM business unless they have a felony criminal record or have been involved in any type of financial crime.

What are the benefits of investing in and managing ATM machines?

It’s very similar to most passive income business models. Benefits include:

  • Working your own hours
  • Excellent annual returns (even on locations that only have three or four users per day)
  • Minimal investment, relatively low risk
  • Getting to meet and work with great people
  • No more trading time for money
  • Great ROI

What considerations should someone who’s interested in investing in an ATM machine make before purchasing one?

They should read everything they can about the business. A couple of links to some of the papers I’ve authored:

Of course, I recommend my book, The Amazing Money Machine, where I explain the entire business from start to finish. ATMdepot.com also offers serious investors a private members’ area where they can get proprietary information, forms and videos that are reserved for our IADs.

Get a handle on your cash with Mint.com .

What are the disadvantages and/or risks associated with these machines?

As with any business, the biggest risk is loss of capital; however, with the ATM business that risk is minimized since the biggest investment is the ATM hardware, which is an asset that can always be moved to a new location.

Another risk is vandalism and/or theft, but inexpensive insurance is available; and in my 20+ years in the business we’ve experienced very few of those issues (but they can occur).

Machines do need to be serviced and cleaned regularly to make sure they remain in the best working order. While not usually an issue, there can be cash jams, printer jams, communication problems or electrical surges that can bring the ATM offline (a good surge protector is key).

ATMDepot.com offers toll free 24/7 tech support and most issues can be resolved over the phone, but if an ATM investor owner-operator needs more help, a field service call can be arranged quickly.

Where are the best locations for ATM machines?

This is a big question and also varies by geography.

While everyone knows that convenience stores, casinos, supermarkets and adult retailers are great locations, they are difficult to obtain.

The best locations are high traffic places where people need cash, like stores that don’t accept credit cards or where a bank might be several blocks away.

My book has an entire in-depth chapter dedicated to this topic. A good ATM company can help their IADs evaluate locations using a variety of tools including Google Maps (satellite view) to help access the area, Zillow or SearchBug Tools to hone in on certain neighborhoods and geographic characteristics to further evaluate the potential of a location.

Where do we go to purchase an ATM machine?

ATMs can be purchased from several different ATM companies; it’s important to compare features and models carefully. New laws and compliance requirements are forcing existing ATM operators to upgrade machines, and some non-compliant machines that should be recycled are showing up for sale on websites. Some machines are non-ADA compliant, some ATMs have old software and hardware that cannot be upgraded; so it’s important to purchase ATM machines from reputable firms with the most updated information on what ATM models are outdated.

I wrote an eBay guide about the five questions to ask before buying an ATM since I saw so many scams on eBay for used machines.

How are the machines stocked? Who handles stocking them?

There are several ways to load an ATM. It’s as easy as loading a napkin holder.

The person loading the ATM is called the vaulter. Vaulters could be the ATM owner, a professional independent cash vaulter, an armored car service, or a trusted third party. The important thing to remember is that if the vaulter is not consistent and lets the machine run out of cash, then the ATM owner and the store lose money and customers get upset. So vaulting is a very important component of the business.

The most costly vaulter is an armored car and a cash management service, but it’s also the most reliable. So for a very busy machine, this can be beneficial; but the ATM also requires a significant lock upgrade for armored car auditing.

The additional lock can increase the cost of the ATM by $600 to $650, which can be significant on a $2,500 machine. The least expensive solution is to have the location be the vaulter and share the revenue or pay a set per transaction fee.

What types of machine models are available?

We currently like the Hyosung and Genmega ATMs as they are fairly priced and very reliable. There are many different models, many of which suited to different applications. It’s best to work with someone from our office once a location is selected.

Recommendations can then be made based on available space, traffic estimates, cash needs, visibility, and indoor/outdoor or freestanding/through-the-wall models.

There are many questions that should be asked and answered before a specific machine is ordered by an investor. Preservation of capital, ROI, and profit potential should all be considered.





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7-Eleven, Volkswagen cases show why we should push back on – corporate ethics #harvard

#business ethics articles

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7-Eleven. Volkswagen cases show why we should push back on ‘corporate ethics’

Professor of Management and Organization Studies, Macquarie University

Disclosure statement

Carl Rhodes does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond the academic appointment above.

The Conversation’s partners

The Conversation UK receives funding from Hefce, Hefcw, SAGE, SFC, RCUK, The Nuffield Foundation, The Ogden Trust, The Royal Society, The Wellcome Trust, Esmée Fairbairn Foundation and The Alliance for Useful Evidence, as well as sixty five university members.

Republish this article

We believe in the free flow of information. We use a Creative Commons Attribution NoDerivatives licence, so you can republish our articles for free, online or in print.

Chairman and major shareholder of 7-Eleven Russ Withers sits in a Senate Committee hearing in Melbourne. Julian Smith/AAP

There is perhaps no phrase more hackneyed in the corporate world than: “good ethics is good business”. Against the image of the ruthless business baron who will stop at nothing in the pursuit of wealth and power, the slogan tells us there is no friction between being good and being successful.

As luck should have it (for corporations that is) it is argued organisations can stand up and be righteous about their do-gooding, and this will actually lead to the achievement of self-interested business results. The cake can be had and eaten.

But does this ethical catch phrase really hold sway in the corporate world? Events this September suggest not.

The month of the corporate scandal

September 2015 was mired in corporate scandal. German car manufacturer Volkswagen was raked over the coals for installing software in its cars that ensured it falsely passed emission tests. Eleven million cars were involved over a period of seven years. VW’s CEO Martin Winterkorn resigned over the affair and now faces possible criminal charges .

American corporation Turing Pharmaceuticals was publicly vilified for its predatory pricing when it raised the price of the drug Daraprim by 4000%. This is a drug used to treat infections associated with HIV and AIDS. Turing’s CEO Martin Shkreli was described by the Washington Post as “the most hated man in America”.

In Australia trouble arrived at convenience store chain 7-Eleven when the ABC’s documentary series Four Corners revealed its use of exploitative and illegal work practices to reduce its labour costs. Employees were being paid less than half the legal minimum wage. Young and foreign workers were especially targeted. The scandal saw the resignations of 7-Eleven’s chairman Russ Withers, and its CEO Warren Wilmot.

Bad ethics is good business

Each of these scandals has been scrutinised in terms of business ethics. We are not talking here about contentious and nuanced debates about the nature of morality. In these cases the ethical issues relate to cheating, lying, deception, law breaking, exploitation, and merciless profiteering. As far as any common understanding of ethics is concerned these things are on the far side of the thick and grey line that separates right from wrong.

What do these cases have in common? Each one suggests there was an ethos in place in these corporations that held that “bad ethics is good business”. Seven years of highly orchestrated cheating at VW meant increased sales. In 2009 VW became the world’s biggest car manufacturer .

Institutionalised wage fraud and labour exploitation at 7-Eleven kept store costs down, increasing profits both for franchisees and (especially) for the parent company. 7-Eleven has twice been names Australia’s “franchisor of the year”. Price gouging at Turing meant a drug listed on The World Health Organization’s essential medicines list could bolster the company’s profits by exploiting the sick and vulnerable.

Just don’t get caught

The “bad ethics is good business” approach was going well for these businesses until they got caught. These three cases have triggered debates still raging in all sectors of society. Heads have rolled and bottom lines are jeopardised.

Does this really confirm that “bad ethics is bad business”? Of course not. There is no doubt many other corporations are profiting handsomely from deceit, lies, fraud and exploitation. The scandals of September 2015 show that “bad ethics is good business … unless you get caught”.

It’s not just about not getting caught. It is also about the political, legal, social and economic implications of being found out. In the cases of VW, 7-Eleven and Turing there has been a massive public and media outcry about their reprehensible and selfish behaviour.

Bringing these corporations to justice was not the work of one heroic individual, nor the result of government action. It was a collective effort that involved NGOs, scientists, academics, politicians, the media and the general public. This was a victory of civil society and democratic dissent.

So, we can reformulate our proposal: “Bad ethics is good business … unless you get caught … and as long as you aren’t the subject of a public outcry”.

Democratic business ethics

When corporations speak of business ethics their idea is that they can keep it all in house. The ethics of business is largely seen as a matter of corporate self-regulation so that pesky outsiders won’t stick their noses into corporate affairs. The September scandals suggest an entirely different ethics.

If we want ethics in business, what we need is more corporations being caught and more public outcry. For business ethics to be effective they must be pushed onto corporations against their will. Business ethics is democratic, not corporate.

What we can learn from the business events of September is that ethics cannot be left to corporations themselves. Business ethics requires a vigilant democracy where the public and its institutions will hold corporations to account for their actions.

Business ethics, to borrow a phrase, is about keeping the bastards honest.





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Small Business Finance – Information and guidance on how to finance your business #business

#financing a new business

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We use cookies on our website

Every new business faces the challenge of finding the funding to sustain itself until it establishes a revenue and cash stream.

Starting Your Own Business

New business development is important because it creates much-needed jobs and generates economic activity, giving the economy a welcome boost. A number of organisations provide supports and advice for start-ups, including the Local Enterprise Office, Citizens Information and Enterprise Ireland.

Every new business faces the challenge of finding the funding to sustain itself until it establishes a revenue and cash stream.

These businesses need money to research new products and markets, to commission or produce feasibility studies and to pay employees as well as suppliers and other creditors.

Some businesses rely on money invested in the business by the founders themselves but most will need additional financing, whether it be grant support, external investors or bank/non-bank credit.

In this section we look at the financing options available to new businesses





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Play Frontier, a free online game on Kongregate #business #funding

#business games online

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We have reduced support for legacy browsers.

What does this mean for me? You will always be able to play your favorite games on Kongregate. However, certain site features may suddenly stop working and leave you with a severely degraded experience.

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Frontier





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Monkey Business » On a Mission to Make the World More Fun and Yellow

#monkey business

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We help people
to implement
new ideas!

Meille apinoille ihminen on tärkein.
Organisaatio on ihmisten päiden, käsien ja sydänten summa. Tavoitteenamme on saada sydämet ja päät toimimaan yhdessä entistä paremmin. Tällöin kädet vapautuvat ja uudenlainen tekeminen luo tekemisen kulttuurin.
Lähestymistapamme on muotoilullinen, eikä meillä ole valmiita vastauksia. Jokainen ongelma ratkaistaan yhdessä ihmisten kanssa, ihmisten tarpeisiin. Avullamme tekijät itse keksivät ratkaisut ja ideat omiin ongelmiinsa.

Tämä referenssi on ollut osa Kokeiluraportti 2/2015 -uutiskirjettämme. Käy vilkaisemassa koko kirje tästä. Emme voi kertoa organisaation nimeä tai hankkeen tarkkoja

Tämä referenssi on ollut osa Yellow Press – Kokeilut 1/2015 -uutiskirjettämme. Käy vilkaisemassa koko kirje tästä. Emme voi kertoa organisaation nimeä

Organisaatiot hakevat jatkuvasti uusia toiminnan muotoja. Toimintaympäristössä tapahtuvat muutokset edellyttävät valmiutta reagoida nopeasti, ketterästi ja tehokkaasti. On löydettävä se, missä

Vuodesta 2006 asti olemme Monkey Busineksessä tutkineet tulevaisuuden organisaatioita. Tutkimusmatkoillamme olemme toteuttaneet yli kaksisataa erilaista kehitysprojektia yli kahdessakymmenessä maassa, viidellä

Katri Viippola kertoo yllä olevalla videolla miksi on valinnut Monkey Busineksen avukseen jo kahdessa eri organisaatiossa.

Monkey Busineksen ensimmäinen virallinen iso keikka elokuussa 2007 oli Strategian lanseeraustilaisuus eräälle yritykselle Pieksämäellä. Se tarjoiltiin Tatulle ja Villelle verkoston

Monkey Business on teille oikea kumppani, jos: Haluatte muutosta toimintatapoihinne, yksinkertaisin keinoin. Haluatte, että muutos on vuorovaikutteinen ja osallistava – ihmiset saavat

Kolmas ydinteoriamme on kirjasta The Leadership Challenge.

Nonakan & Takeuchin kiteyttämä tiedon luomisen teoria on hyvä malli uuden tiedon synnyttämiselle. Tässä yksinkertaistettu malli. 1. Dialogi – käymme dialogia

Toimintamme ytimessä on dialogi. Dialogi on yhdessä puhumista ja ajattelua. Dialogin perusidea on yksinkertainen: kun yksi puhuu, niin muut kuuntelee.

Visiomme: Monkeyn visio on olla Suomelle paras lifestyle-osuuskunta. Teemme töitä sydämestä puhumisen ja välittämisen vallankumouksen puolesta. Meidän unelmamme Suomesta on intohimon





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Everest University Online Corporate Partnership Program #everest #college, #everest #university, #everest #online, #criminal #justice,

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Everest Corporate Partnership

Advancing Your Career through Higher Education

Everest University Online, a division of Everest University, provides our students with relevant career training and degree programs for today’s business world.

We have online degree programs in: Accounting, Business, Computer Information Science, Criminal Justice, and much more. Find out about our life-changing online degree programs – including information about tuition and financial aid (available for those who qualify) by completing our simple form.

Everest Corporate Partnership Your Company

We want to partner with your company by providing your employees online education to help them improve their business skills.

In return, you’ll enjoy higher rates of employee satisfaction, retention, and overall productivity from your staff – as they are earning their Associate’s, Bachelor’s, or Master’s degree. Learn more about our corporate partnership programs.

Current Partners





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The lowdown on glycemic index and glycemic load – Harvard Health #health, #information, #medical,

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The lowdown on glycemic index and glycemic load

If you have diabetes, you probably know you need to monitor your carbohydrate intake. But different carbohydrate-containing foods affect blood sugar differently, and these effects can be quantified by measures known as the glycemic index and glycemic load. You might even have been advised to use these numbers to help plan your diet. But what do these numbers really mean — and just how useful are they?

What these numbers measure

The glycemic index (GI) assigns a numeric score to a food based on how drastically it makes your blood sugar rise. Foods are ranked on a scale of 0 to 100, with pure glucose (sugar) given a value of 100. The lower a food’s glycemic index, the slower blood sugar rises after eating that food. In general, the more cooked or processed a food is, the higher its GI, and the more fiber or fat in a food, the lower its GI.

But the glycemic index tells just part of the story. What it doesn’t tell you is how high your blood sugar could go when you actually eat the food. To understand a food’s complete effect on blood sugar, you need to know both how quickly it makes glucose enter the bloodstream and how much glucose it can deliver. A separate measure called the glycemic load does both — which gives you a more accurate picture of a food’s real-life impact on your blood sugar. Watermelon, for example, has a high glycemic index (80). But a serving of watermelon has so little carbohydrate that its glycemic load is only 5.

Should you eat a low-GI diet?

Some nutrition experts believe that people with diabetes should pay attention to both the glycemic index and glycemic load to avoid sudden spikes in blood sugar. The American Diabetes Association, on the other hand, says that the total amount of carbohydrate in a food, rather than its glycemic index or load, is a stronger predictor of what will happen to blood sugar. And some dietitians also feel that focusing on the glycemic index and load adds an unneeded layer of complexity to choosing what to eat.

The bottom line? Following the principles of low-glycemic-index eating is likely to be beneficial for people with diabetes. But reaching and staying at a healthy weight is more important for your blood sugar and your overall health.

If you’d like to give low-glycemic-index eating a try, click here to see our table of the glycemic index and load for over 100 common foods.

And for more information on how to live well — and eat well — with type 2 diabetes, buy Healthy Eating for Type 2 Diabetes. a Special Health Report from Harvard Medical School.

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