The challenge is to know what to invest your savings in. Obviously the choice is up to you, because each and every household has its peculiarities. However, it is quite possible to define the main lines in investment.

First, it is important to know your personal projects for the next 10 years. Buying a house, setting up a company, working abroad are all lifestyle choices that will necessarily influence the choice of your investments. It is based on these projects that you will define a strategy to manage your wealth.

I for one intend to go live abroad in the coming years or possibly invest my money in the creation of a company. Hence, I cannot afford to block my capital for too long.

As for the evaluation of different investments, I would say there are three parameters that count: profitability, risk involved, and finally the liquidity of the investment (the ability to recover your money slowly or quickly). An important factor is taxation. I evaluate taxation together with profitability (profitability after tax).

The purchase of your main residence is an attractive investment but due to the high inflation that has affected real estate in the last 15 years I recommend you be especially careful on this point.

I find my financial situation rather peculiar because at 30 I have no credit but only cash. I would have liked to invest in real estate but I have not had the opportunity. I think doing like everyone is not necessarily the best option (especially all those executives who take 25 years of credit to live in a tiny box). At least now I have the means to finance my career and earn even more money.

Excel sheet to manage my personal finances

I use it every night to note what I spent and what I earned (for those employees on a payroll you enter what you’ve earned once a month after your receive your pay). I have an extra column for total reduction using promo codes.

This Excel sheet has three tabs, the first entitled “Receipts” allows me to note my daily receipts and expenses (if you like the approach “once a month I take out all my withdrawal receipts” nothing prevents you from entering the total that day and nothing the other days. It boils down to the same thing). The second tab labeled “Monthly Receipts” allows for a summary by month and serves in particular to show month by month how much money has been saved.

A third tab called “Budget” is more like a reminder. This helps me note my estimated budget and I can return to it quickly.

The Excel sheet is simple but I have used it for several years and it lets me know exactly where I am in my expenses and my cash flow, feel free to ask me questions and adjust according to your needs. Like everything in life, you have to find the method that works for you.

Growth in luxury travel exceeded that for overall travel from 2011 to 2015, according to Amadeus’s “Shaping the Future of Luxury Travel” report. The demand for travel has remained constant, and the luxury market has remained resilient despite economic times.

In addition to luxury trips, avid travelers need the right technology and gadgets to accompany them. If you have one of these luxury tech lovers in your life, here’s a round-up of some of the best tech gifts on the market.

Galaxy S7 Edge Smartphone

It’s probably no surprise that the Hotels.com Mobile Travel Tracker found that 76 percent of travelers named their mobile device as their number one travel accessory. In fact, twice as many people choose to travel with their smartphone than a loved one. Treat your loved one to the luxury of a Samsung Galaxy S7 Edge that comes with a 12-megapixel, rear-facing camera and a 5-megapixel, front-facing camera to capture clear photos and fluid videos. The Galaxy S7 also is compatible with Android Pay and Samsung Pay to make purchasing while traveling quick and easy.

Miragii Smart Necklace

A clunky, unsightly Bluetooth hanging from your ear is a thing of the past. The Miragii custom-designed necklace displays your texts and calls by projecting your messages right onto your hand. It also lets you listen to music on the go. Wearers can make their friends jealous by choosing from platinum or other metallic designs. Your loved one can pair it with their favorite black dress for an evening out or use it to get a little work done while waiting at the airport.

Ravi Ratan Cufflinks

Women aren’t the only ones who can dress up their Wi-Fi enabled devices. Give the man in your life Wi-Fi enabled Ravi Ratan cufflinks. Choose from sterling silver, turquoise, engraved or novelty shaped cufflinks that keep him connected while traveling. They double as a Wi-Fi hotspot and they have a 2GB USB so the man in your life can store music, images, files and documents. He’ll feel like James Bond when he’s traveling around the world.

Wacaco Minipresso

Luxury travelers with a taste for fine espresso are never far from their favorite brew with this gadget. The highly portable Minipresso prepares quality shots, weighs less than 1 pound and is just under seven inches long. Luxury travelers don’t need electricity or compressed air to get their Minipresso up and running. Instead, its design relies on hand operation. It’s the perfect portable espresso maker for anyone who loves glamping (glamorous camping) in comfort or just wants a fantastic, reliable shot of espresso.

Lytro Camera

Get your shutterbug luxury traveler the Lytro camera to create multiple looks from a single picture. They can use Lytro’s features to edit their pictures and change their focus, tilt and animation. They can even turn their photos into a 3-D image. So you’re not just giving the gift of a luxury travel camera, but the ability to take amazing photos no matter how poorly the first shot actually turned out.

By now, you’ve heard about veganism either from your friends, your family or in your general social circle. Maybe you dismissed it at first as a phase. But now you’re giving it some serious thought, given your particular health risks or perhaps your desire to reduce your own impacts on the environment. In any case, you’re about to embark on a very interesting, healthy and delicious adventure. It’s important to take things slow, as well as incorporate new and nutrient-rich foods, in order to make the transition.

Slow and Steady Wins the Race
Gradually easing into your new way of eating is vital to make sure you can stick to it. The Vegan Society gives some excellent advice, including making small changes to your meals in the beginning. Modifying one meal at a time, or choosing a day of the week where you only eat vegan, are great starting points. Once you’ve mastered those minor challenges, you’ve learned some things to help you expand.

Be Sure to Get Your Vitamins and Minerals
If you’re not careful, the very first thing that will disappear from your diet is vitamin B12. According to this article on Health.com, it’s only found in meat and other animal foods. Its deficiency causes some pretty harmful effects, so opt for a daily B12 supplement. Or if you choose to eat fortified foods, be sure to consume at least three micrograms total of B12 per day.
When looking at missing nutrients, iron should be the next one on your list. Since the majority of traditionally iron-rich foods are animal-based, you’ll either need to find plant-based equivalents or incorporate a supplement in your daily regimen. Dark leafy greens, legumes and sunflower seeds are great sources to get this mineral without eating meat. And foods loaded with vitamin C help with iron absorption. Many kinds of dark greens are powerhouses in both iron and C, but you can also up your intake of C with citrus fruits.
Thankfully, you’ll get your other vitamins, minerals and antioxidants by introducing a multifarious mixture of fruits, vegetables and grains into your meals. Beta-carotene usually comes from orange-colored vegetables such as carrots, pumpkin and sweet potatoes. Your body converts this into retinol, or vitamin A. Many kinds of grains contain minerals such as selenium, other B vitamins (including niacin and folate) and magnesium. Make sure to choose options that also include amble amounts of fiber, which aids in maintaining your digestive tract as well as slowing blood sugar spikes.

Protein, Calcium and Fat
Since most people primarily rely on animal products to supply their protein, calcium and fats, you’ll need to be more conscious of incorporating new sources of them in your meal plan. Legumes, including beans and lentils, are one of the top plant-based protein sources around. They’re also pretty versatile, and work well in many kinds of dishes. Also, calcium can be supplied by green leafy vegetables, kidney beans, black-eyed peas, oranges and fortified dairy substitutes.
Fat is a little easier to replace, because it’s so plentiful in vegetable-based forms. The most famous of these are extra virgin olive oil, peanut oil, and coconut oil, all of which are good sources of heart-smart monounsaturated fats. Additionally, canola oil is a notable source of omega-3 fatty acids. And if you’re looking for alternatives to your old dressings, condiments and dips, read labels when you shop and select vegan products such as the Just Mayo line from HamptonCreek.

New Adventures Through New Foods
Since the standard American diet will not likely support your efforts to go vegan, you’ll be venturing into new foods and cuisines to enrich your new style of eating. Middle Eastern, Indian, Chinese, Thai and Ethiopian food are very friendly for non-meat eaters. Cultural aspects, such as the ahimsa concept of non-violence and compassion for other living things observed in many Indian religions, typically influence the food that’s eaten. In other cases, a lack of meat or animal products led to food selections to get needed nutrients in other ways.
Going vegan might sound overwhelming, but you’re in for an exciting journey. Just like Rome wasn’t conquered overnight, no one expects you to make completely revolutionary dietary changes right away. Making slow gradual modifications, being aware of your nutritional needs and being open to new foods are vital steps to making the switchover successfully. You’ll enjoy increased wellness, as well as non-tangible benefits in other ways.

Fads have taken over popular culture since the beginning of time, many of them terrible – looking at you, Pogs. However, in the last few years, we’ve seen a rise in ethical and responsible lifestyle choices becoming increasingly more popular. Choosing electric cars over gas-guzzling SUVs, eating organically grown produce and being fit are all part of the overall social awareness that “going green” is the right thing to do.

In grocery stores all across the world, “organic” items are the new in-thing. Manufacturers are slapping the term all over everything and jacking the prices way, way up. It’s strangely reminiscent of the X-treme marketing days of the 90s, when apparently the only way to sell soda was to have Andre Agassi screaming as he free falls down a cliff side, all in the name of “training” – because, that totally makes sense?

Okay, so maybe it isn’t that bad. However, it is hard to see through the veil of what is and isn’t organic, or if that even matters at all. For now, we’re going to take a look at what is ultimately a personal decision that you should make for yourself: conventional or organic tampons?

The Main Differences

The traditional (non-organic) variety of tampons that you’re used to seeing at the grocery store contains regular cotton (as in, grown with pesticides) and a synthetic rayon blend that has likely been bleached white with chlorine and may contain other dyes or fragrances – which, due to the ‘trade secret’ status of fragrances, manufacturers are not required by the FDA to disclose ingredients on the label. Any applicators are likely made from traditional plastic elements.

Organic tampons are made with organic cotton (as in, grown without pesticides) and is free of any mystery chemicals that lie inside fragrances and dyes. If an applicator is present, it should be made with biodegradable, or otherwise sustainable materials.

Chemicals

The FDA considers and regulates all tampons as “medical devices.” The absorbency qualifiers on both organic and non-organic tampons are the same across the board: regular, super, etc. Which means that regardless of what it’s made from, there are standards with how absorbent it has to be in order to meet the FDA’s standards. This is to help combat Toxic Shock Syndrome – a rare and life-threatening bacterial condition.

Regular tampons are considered very safe, however, it is important to note that the non-organic process of manufacturing tampons involves a decent amount of chemicals that get absorbed into the body upon application. There are the pesticides from the cotton, then the chlorine from the bleaching process and the plastic in the applicator will contain phthalates which have been linked to various health hazards.

Think Green

While the general idea of “going green” may be a fad, it is a step in the right direction, ecologically-speaking. Ultimately, both conventional and organic tampons are safe for use – but, if you want to be part of the trend, or you are just socially aware, you probably know which option is better.

We live in the times when it is important to have our food and drink delivered in a timely manner. This can be especially important when you live in places such as London, which you have to admit is a rather huge place to be. During peak hours, including late afternoon, it might be almost impossible to get anywhere in London, especially if you don’t have a car. And even if you do have a car, driving in traffic might not be such a good idea. This is why it is always better to opt for alcohol delivery to have it delivered at your doorstep.

I like being able to have my food and drinks ordered to my doorstep at any time of day or even late night. Very often, when I watch some shows late in the evening I am very tempted to snack on something, or even drink some alcohol. What is more, alcohol usually helps me to sleep better, so the more of it I drink before bedtime the better sleep I am going to get. Of course, there are some limits when it comes to that and I cannot drink more than 3 units of alcohol without getting a hangover, but it does not stop me from drinking altogether.

If you live the London area you are a very lucky person indeed. There are many places from where you can order food and drink at almost any time of day or night. The choice of beverages is very wide as well. Arguably, this is the best place to live in the UK, especially if you have a good job there and especially if you enjoy the hustle and bustle of large cities such as London. If you are considering relocating to the area know that there are many possibilities waiting there for you.

every time you engage in some sort of activity such as ice skating for example it really makes sense to ensure that you have the best protective gear. It is always best to know to have such items in advance as when you and your family are all ready to head out to the near ice rink it might be way too late to start shopping for your protective gear that will include a knee pad.

I can think of many examples of all those necessary items that you might want to take with you when you go ice skating. the most obvious item and accessory is a skate helmet. It is true that no two skate helmets are alike. there are some better and worse models available on the market and it really makes sense to choose those better models over the worse ones as the better models will ensure your safety and will protect your head from fall damage.

Why is it important to wear a helmet while ice skating? I am not sure about you, but I always wear a helmet when I am on the bike or when i go roller skating. Having a helmet on my head gives me the peace of mind so that I don’t have to worry what is going to happen if I hit my head on the street or sidewalk. It is always better to be safe than sorry. I see that some people out there do not
wear any head protection while skating whether it is ice skating or roller. I strongly disagree with this approach. Your head is your biggest asset and you simply cannot neglect it by exposing it to some of the dangers that are lurking at every corner wherever you go. Just being aware that you might hit your head suddenly is a good reason to ensure that you always take your helmet with you whenever you plan on engaging in any of the listed-above activities.

Next time you go ice skating or roller skating remember to have some protective gear with you. I would personally be willing to recommend skates.guru as they have a wide selection of items both for grown ups as well as for children. Some of the most popular brands they sell include Riedell, Jackson, Zuca and Guardog. Their items will arrive at your doorstep in perfect condition, and know that the company offers free two-day shipping as well as an excellent customer service. Feel free to browse their large selection of items to find those that will suit you most. You will be surprised to discover how many different items you can choose to enhance your ice skating experience such as ice skating dresses, pants, ice skates, as well as protective gear. Your experience on the ice rink will never be the same once you learn to enjoy the apparel.

After you are done with shopping, feel free to share with me what you have bought I am curious myself and I would like to see what others do in their spare time when planning their adventures on an ice rink.