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Talk on Finance

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If you’re always interested in learning more valuable information about managing your finances and investments, continue reading.

Talk on finance:

  1. Make sure to keep up to date with the latest finance news

As the world of finance moves extremely quickly and interest rates and stock prices can vary greatly within just 24 hours, it’s a great idea to read the latest finance news when you wake up in the morning. Which will give you enough time to make any quick changes to your financial accounts or investments before the financial markets are further affected.

It’s also well worth checking the latest financial news during your lunch break and before you go to sleep. To take advantage of any opportunities which you may become aware of. As an example, you may find at lunchtime that it’s the perfect time to purchase shares at a great price before they skyrocket again.

2. If you are interested in hiring a stock broker, don’t place all of your savings into the funds which they select for you

If you don’t have the necessary time to select all of the stocks and investments which you purchase yourself, you may be interested in hiring a stockbroker. However, while it can be tempting to place all of your long-term savings in funds which are selected for you by your chosen stock broker, stock brokers are human and often make mistakes.

So it’s well worth keeping a large proportion of your savings in a high-interest bank account and in stocks and investment opportunities which you select yourself. As every few years news articles make major headlines when well-respected brokerage firms lose their clients capital.

3. When it comes to investing plan to create highly diversified portfolio

One way to significantly decrease your portfolio’s risk level is to aim to put together a diversified portfolio which features shares in a wide variety of companies and industries. You may also be interested in accumulating ETF shares, which are shares in funds which are made up of dozens of different companies. Most ETF funds have a theme.

As an example, some ETF funds are only comprised of businesses which operate in Asia, while other ETF funds are comprised of US companies.

4. Start saving for your retirement today

One of the worst mistakes which you can make is to wait till your 10 years out from retirement to start saving for your retirement. Instead start putting aside money and investing money for your retirement, to ensure that you’ll be able to enjoy a luxurious retirement and will be able to travel the world in your twilight years. As if you rely on government pensions, you may well struggle to make ends meet when you finally retire.

5. Talk about investments and saving with your friends and family members

In order to learn new tricks, it’s well worth openly talking about investment opportunities, strategies and saving tips with your trusted friends and family members.

Hopefully, after reading the five excellent saving and investing related financial tips listed above, you now feel more confident about managing your finances!

Talk on Home and Garden

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If you’re on the search for a few handy home and garden tips, you’ve come to the right place. Simply continue reading to discover a few invaluable home and garden tips which you’ll want to put into practice right away.

Talk on home and garden:

  1. Opt for a front loading washing machine over a top loading washing machine

If you want your clothes to last longer, it’s worth opting for a front loading washing machine over a top loading washing machine. As front loading washing machines are designed to be gentler than top loading washing machines.

2. Wash your underwear in a delicates bag

Instead of placing your underwear straight into your washing machine, protect your underwear by placing your underwear in a delicates bag. Which you can then chuck into your washing machine.

3. If you have hardwood floors ensure to wax them a few times a year

In order to protect your hardwood floors, it’s well worth ensuring to use a hardwood specific wax to treat your hardwood floors a couple of times per year.

4. Find out what types of vegetables you can replant

As an example, you can try to regrow carrots by slicing off the tops off your carrots and replanting them, in order to grow more carrots. Without having to spend money on purchasing new seedlings.

5. In summer water your plants earning in the morning or in the evenings

In summer make sure to water your plants in the mornings in the evenings as if you water your plants during the heat of the day as you’ll risk burning your plants. So it’s well worth carefully planning your day so that you’re able to water your plants in the morning or evening.

6. Use different color microfiber cloths in different rooms in your house

It’s well worth getting into the habit of using different color cloths in different rooms of your house. As an example, you may want to start using red microfiber cloths in your kitchen, yellow microfiber cloths in your bathroom and pink microfiber clothes in your living room.

As it’s unsanitary to use the same cloths in different parts of your home. As an example, it’s not a good idea to use a cloth to clean your bathroom surfaces and then to use the same cloth to wipe down your dining room table. As bathroom cleaning products which contain strong substances such as bleach won’t be safe to use in your dining room.

7. Grow indoor herbs to add flavor to your everyday meals

While you may enjoy maintaining an outdoor vegetable garden it’s also a fun idea to grow a mini herb garden in your kitchen. As you’ll be able to add freshly cut herbs to your everyday meals. As an example, you’ll be able to chop fresh basil to place in your salads and sandwiches and on top of your pasta dishes.

So what are you waiting for? It’s well worth putting some of the tips which you discovered above into practice today. If you find a few tips which you love, make sure to share them with your friends and family members.

Travel Talk: 6 Travel Tips

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If you love discovering new travel tips, continue reading to discover 6 travel tips which are well worth utilizing.

Travel Talk: 6 Travel Tips

  1. Keep a small, travel-sized pack of tissues in your daypack or handbag

As you never know when a bathroom in a foreign country may run out of toilet paper, it’s well worth keeping a small, travel-sized pack of tissues on you, when you travel.

2. Only bother packing one pair of clean underwear for each day

While some travelers may recommend packing as many pairs of underwear as possible, the reality is that you can always wash your underwear in the sink and hang it to dry in your hotel’s shower, if need be. So don’t waste luggage space by packing too many pairs of underwear.

3. If you’re female it’s well worth packing 1-2 sports bras

Even if you don’t plan on spending your vacation days in your hotel or resort’s gym, it’s well worth packing 1-2 sports bras as they’ll come in handy if you plan on taking part in adventurous, active activities. Examples of which may include mountain biking, horse riding, and quad biking.

You can even use a stylish sports bra as a makeshift bikini top if you feel like taking a spontaneous dip in a pool, beach or river which you come across.

4. Pack a small, microfiber towel in your luggage

The reason why it’s a wise idea to pack a microfiber towel in your luggage is that if you go swimming at a beach, before continuing traveling, you won’t have to wait a long time for your towel to dry. Better yet, you won’t have to contend with putting a smelly, damp towel into your luggage. Which is never a good idea!

5. Pack photocopies of all of your travel documents in different pieces of your luggage

As an example, you should never leave the country without taking a few copies of your passport, which you can then store in your checked in luggage and carry on luggage. When you check into your hotel, it’s also a great idea to lock a photocopy of each of your important travel documents in your hotel safe. Just to be on the safe side!

6. Don’t travel without travel insurance

Deciding to travel without purchasing travel insurance could be one of the most expensive mistakes that you’ll ever make. Especially if you find yourself in a medical emergency and have to find a way to pay tens of thousands of dollars for the medical treatment which you need in a foreign hospital.

7. Only pack clothing items which you can easily mix and match to create various stylish outfits

You’ll find it far easier to come up with new outfits to wear on your upcoming vacation if you only pack clothing items which you can easily mix and match in order to create at least 6 different outfits. Also, pack a few cheap accessories such as belts and scarves which can make an outfit you’ve already worn look brand new.

So if you’re an intrepid traveler, you’ll definitely find all of the travel talk, travel tips listed above helpful.

What’s Going on in the World Today?

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If you pride yourself on keeping up to date with the latest world news, continue reading to discover what’s been happening in the world today.

What’s going on in the world today?

  1. Chinese students have been detained for supporting labor rights groups

Students from five prominent Chinese universities have been detained by the police after voicing their support for labor rights groups. As the communist Chinese government has begun to take extra measures to try and silence student protests.

Some of the students who are believed to have been detained by the Chinese government were kidnapped off the streets surrounding their universities and one student was seen being hit over the head before being dragged into a government van.

2. An individual was brutally murdered because of a rumor on a messaging app

After gossip about an individual abducting children in Mexico went viral on the popular messaging app WhatsApp, a group of locals set fire to two men and successfully killed one man. Who they falsely believed were child abductors. Disturbingly more than 40 individuals watched the two men burn whilst filming the event, live streaming the event and taking photos of the men being tortured and the brutal murder of Alberto Flores.

According to local authorities so far 9 individuals have been detained by police for questioning over the incident. 4 of whom are being investigated for carrying out the murder of Alberto Flores.3

3. More than 25 individuals have lost their lives as a result of California’s latest wildfire.

Currently, there are over 5 experienced rescue teams combing through Paradise, a small town of 25,000 residents in order to find and rescue any individuals who they may find.

In the coming days, rescue teams are also expected to start exploring the areas surrounding Paradise for survivors. Once it’s safe for rescue teams to move throughout the fire-ravaged area

4. Rockets have been fired at Israel from the Gaza Strip as an act of retaliation for the murder of a Hamas leader

In the last few days, rockets have been fired at Israel from the Gaza Strip and are thought to be a sign of retaliation after a Hamas commander was killed as a result of a recent Israeli raid. As a result, Israeli leaders remain on high alert in case further action is taken against them.

5. Floods ravage Venice

Floods have continued to ravage Venice and it has been thought that decades worth of damage is being caused to Venice’s historic buildings, canals, and buildings each day. In the past few days, even St Mark’s Square which is one of the most popular tourist destinations in Venice has been inaccessible as a result of the rainstorms which have hit Italy.

Furthermore, a historic cathedral has been completely flooded which has panicked locals who have begged Italy’s government to intervene to try and save their historic cathedral.

Hopefully after reading the 5 news stories listed above you have a better idea of whats going on in the world today.

Invaluable Tips on Owning a Local Business

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If you’re the proud owner of a local business, continue reading to discover must-read tips on running a successful local business.

Invaluable tips on owning a local business:

  1. Make sure to get involved with your community

If you plan on running a successful local business, you’ll be far more likely to succeed if you make a genuine effort to get involved with your community. Some great ways to get involved in your community are to sponsor a local sports team or community group or to sponsor a community event such as a fair, festival, parade or fun run.

Not only will choosing to get involved with your local community help increase your business’ brand awareness and significantly increase your business’ sales and profits figures but you’ll also feel great seeing what a difference your business can make to the members of your community.

2. Offer regular sales that your community will want to take advantage of

As an example, if you own a restaurant you may want to offer two meals for the price of one meal on a specific day such as Tuesdays in order to draw patrons into your restaurant.

Alternatively, if you run a boutique style store, you may want to create a buzz around your business by offering half-priced days, when any item which has a yellow sticker is 50% off its recommended retail price. Which will allow you to sell stock which you’re looking to get rid and will encourage customers who wouldn’t normally visit your store to walk in and take a look around.

3. Offer a loyalty card that will encourage locals to visit your business on a regular basis

It’s human nature to want something for nothing, so if you’re able to offer your repeat customers discounts for visiting your business on a regular basis, locals are bound to flock to your business. In the hopes of getting a percentage discount off their shopping or to receive a free product.

4. Create new jobs for locals

If your business grows from strength to strength, you’ll have the opportunity to create more jobs for locals, which will garner more attention for your business. As an example, you may be able to get an article about your business featured in a local community newspaper, which could increase your sales statistics.

5. Treat every customer like a VIP

If you give your customers surly service, customers are highly unlikely to shop at your business again. Which can be extremely damaging when you operate a local business. Worse yet, the disgruntled customers who you upset may tell their friends and family members to avoid your business, which could cost you hundreds of dollars of revenue in the near future.

6. Consider operating an online store as well as a brick and mortar store

In order to increase your customer base, it’s well worth setting up an online store as well as a brick and mortar store.

So if you take the six tips listed above to heart you should be able to build a following for your local business, which will guarantee that your business stays in operation for years to come.

World News November 2019

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To discover some of the latest events which have occurred in the past few days, simply continue reading to read about some of the top current news stories in the world.

 

World News:

  1. Turkey hands the murder tapes of journalist Jamal Khashoggi to the United Kingdom

Recep Tayyip Erdogan who is the elected leader of Turkey has confirmed to the press that tapes exist which contain video footage of a Saudi Arabian death squad illegally murdering ex Saudi journalist Jamal Khashoggi.

Furthermore, Erdogan has decided to openly share the gruesome video footage with foreign countries and international who want to see for themselves what happened inside the Saudi Consulate in Turkey, the day Khashoggi was murdered.

As Erdogan claims that the tape has already been leaked to the media and that Saudi Arabia should have to face severe consequences for its actions, which have been internationally condemned and which have brought able trade sanctions against Saudi Arabia by many international countries.

2. Donald Trump cancels a Veteran’s Day event in Paris due to weather

Donald Trump has garnered criticism after he canceled his scheduled Veteran’s Day visit to visit US military graves at Belleau Wood in Paris due to a bit of light rain. A move which angered both American citizens and international citizens who saw Trump’s decision as a selfish and cowardly move.

Trump is currently in Paris in order to celebrate 100 years since the Armistice which ended WWI, which the USA was a part of.

3. An Australian cafe owner was murdered as part of a terrorist attack in Melbourne

The world was shocked when a much loved Australian cafe owner was stabbed to death in a violent terrorist attack. The deceased was named as being 74-year-old Melbourne resident Sisto Malaspina. As well as murdering Malaspina the terrorist who killed Malaspina Hassain Khalif Shire Ali also injured two other victims.

4. England’s royal family attends a special WWI remembrance day concert

Queen Elizabeth II attended a special WWI remembrance day concert to mark 100 years since the Armistice Day which heralded the end of WWI at the Royal Albert Hall alongside other senior members of the royal family.

Examples of which include Prince Charles and Camilla, Prince William and the Duchess of Cornwall Catherine, Prince Harry and his pregnant wife, the Duchess of Sussex and Princess Anne.

5. A 13-year-old boy has been arrested in London for assaulting 9 women

A 13-year-old boy has been detained after being suspected of sexual assaulting 9 different women over an incredibly short period of just 5 weeks. The boy was given bail until the end of the month when he is likely to appear in court to face multiple charges of sexual assault.

Police have also encouraged women to avoid walking in the area, which the 13-year-old boy was thought to have approached his victims, to be on the safe side.

6. An Austrian military officer has been found guilty of spying for Russia

An Austrian military officer by the name of Sebastian Kurz has been found guilty of spying for Russia since the 1990s.

Hopefully, after reading the above international news stories you now feel up to date when it comes to international events and news stories.

The Safest Travel Destinations

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If you prefer to travel to destinations which are incredibly safe and which are safe enough to travel on your own, simply continue reading to discover 3 of the safest travel destinations.

 

The safest travel destinations:

  1. Canada

Chances are that Canada is the first country which you think of if you were asked to think of a safe country. However, Canada has far more to offer than being safe, Canada is home to some of the most prestigious ski fields in the world and also offers phenomenal hiking tracks and national parks.

If you enjoy camping, you’ll also have no trouble finding a campsite in a scenic national park to visit, on your future Canadian vacation. If you’re interested in practicing your French skills, make sure to head to the French-speaking part of Canada. Where you’ll be able to order meals and shop in French.

Lastly, if you’re a bit of a shopaholic make sure to visit West Edmonton Mall which is one of the largest malls in North America and boasts an ice skating rink as well as a hotel and an aquarium.

2. Hawaii, USA

Hawaii is another safe destination, where you’ll feel completely safe walking around late at night. Hawaii also has a whole lot more to offer than cocktails, luaus, beachfront resorts, and surf lessons.

As an example, if you visit Hawaii you’ll be able to visit Kuloa Ranch which is frequently used to shoot popular TV shows and movies. Examples of which include “50 First Dates”, “Hawaii 5-0”, “Jurassic World”, “Jumanji”, “Mike and Dave Need Wedding Dates”, and “Godzilla”.

If you’re a history buff you may also be interested in visiting Pearl Harbor where you’ll be able to take a free ferry to see the Pearl Harbor Memorial which is located in the middle of the harbor and pays tribute to all the individuals who lost their lives in the Japanese attack on Pearl Harbor.

3. New Zealand

New Zealand which is located in the South Pacific has the reputation for being one of the safest, friendliest countries in the world. In fact, New Zealand is so safe that backpackers often hitchhike across New Zealand. Whilst in New Zealand you’ll be able to participate in adventurous, adrenaline-inducing activities such as white water rafting, bunjy jumping, caving, abseiling and heli-skiing.

As an added bonus, New Zealand is known for its natural beauty and features pristine snowy mountains, world-class beaches, and picture-perfect lakes. If you dream of being able to soak in natural hot-pools make sure to head to Rotorua or Taupo in the center of the North Island, both of which are known for their natural geothermal activity and hot pools.

Lastly, if you’re a foodie you’re in luck as New Zealand is also famous for its coffee and its cafes as well as its dairy product, seafood, and red meat.

So if you’re keen on visiting safe travel destinations full of friendly locals, you can’t go wrong electing to visit any of the 3 safe travel destinations which are listed above!