Monthly Archives

August 2018

Travel

The Best Cities to Visit in 2018

August 3, 2018

It doesn’t matter if you dream of discovering ancient ruins, exploring intriguing cities, adventuring up a mountain, absorbing picture perfect views, or relaxing on a beautiful, sunny beach, there are many exciting destinations for you to choose from across the world.

If you want to keep adding to your travel bucket list every year, all you need to do is check out the following best cities to visit in 2018.

Detroit, USA

Detroit has experienced a resurgence in recent years. Young creatives have transformed the once abandoned buildings into everything from galleries and distilleries to bike shops and bars. There’s even a new hockey and basketball arena located downtown.

The city is also expected to create three brand-new parks very soon, so it’s one city that’s expected to become increasingly popular with each passing year. Find the best vacation home rentals today to book your stay.  

Amsterdam, Netherlands

For a city filled with cultural attractions, you’ll want to place Amsterdam at the top of your checklist. Here you can take your pick from luxurious accommodation and slick restaurants, which will ensure you have a truly enjoyable stay.

There are also plenty of things to keep you busy during your stay; for example, you can visit Anne Frank’s House, Rijksmuseum, Van Gough Museum, and the popular Dam Square. Here you can also eat street food, cycle your way past the beautiful canal, or enjoy a picnic at Vondelpark.

Labrador, Canada

Not only is Labrador utterly breath-taking, but it is also home to a new national park. Akami-Uapishku-KakKasuak-Mealy Mountains National Park Reserve is located in the northern Labrador wilderness, and it’s the ideal destination for avid hikers. Also, at 4,131 square miles, it’s equivalent to the size of Jamaica.

Other notable landmarks you will not want to overlook include Gros Morne National Park, Western Brook Pond, and Corner Brook, so it’s perfect if you love to explore the great outdoors.

Vienna, Austria

Vienna is easily one of the most underrated cities in Europe. In addition to an extensive classical music history, it’s also the opera capital of the continent. What’s more, it’s simple to travel from A to B across the compact city. Those who appreciate the finer things in life will certainly love Vienna, which is known for good food, good wine, and luxury accommodation.

You can also take a ride in a horse-drawn carriage or on the Wiener Riesenrad giant Ferris wheel. Despite its many fantastic attractions, such as Belvedere and Schönbrunn Palace, Vienna doesn’t experience too many tourists in comparison to other major cities.

Valletta, Malta

There is no better year to visit Valletta, as it is currently celebrating its award of European Capital of Culture 2018. Expect to marvel at the melting pot of European influences, as the capital was built by the Knights of St John after the Great Siege of 1565. In celebration of its recent award, you can enjoy everything from fireworks, dance, theatre, opera, and music across the city.

Business

How to reduce your investment risk

August 3, 2018

In many ways, the principle of investment strategy can be summarized by the phrase “risk versus reward”. Usually, the greater the risk, the greater the potential reward, though this is not always the case. The bottom line, however, is that investing comes with risk, and how to manage this risk and keep to an acceptable level is an important part of the process.

You may have studied the markets that you want to invest in, and you may have access to the best share analysis, but if you are going to make a success of your investing, then you need to account for risk and ensure that your risk isn’t higher than you can handle.

Risk tolerance

An important part of dealing with risk is to determine the level of risk that you are prepared to undertake. Every investment that you make will entail some form of risk, and it is essential to understand what that risk is in order to minimize it. Two important aspects to consider here are risk capital and net worth. Net worth is simply your assets minus liabilities. Your risk capital is essentially the money that you can afford to lose. If your net worth is small and you have minimal risk capital, then low-risk investments will be more suitable.

Do your research

When it comes to investment, there is no such thing as too much research, and by applying yourself fully in this area, you will be in the best position to reduce your risk. Before you invest in a stock or fund, make sure that you know all the relevant statistical indicators, including earnings growth, debt load and stock history. You can also compare these figures to other similar investment products. Another important data indicator is the price to earnings ratio (P/E ratio), which measures the link between stock price and annual earnings. The higher the P/E ratio relative to other stocks in the same industry, the greater the risk.

Diversification

Another good way to reduce your risk is to spread your investments over a range of product types and economic areas. This is known as diversification, and it is a useful way of spreading the risk of your overall investment package. For instance, you could choose to invest a third of your funds in stocks, a third in US Treasury bonds and another third in real estate. Obviously, this can potentially reduce your profits, but it is a good way to offset the risk of losses in one sector, and reduce the impact of one failing investment on your overall funds.

Monitor your investments

Finally, it is important to take a hands-on approach and monitor your investments, making sure that your funds are properly allocated, depending on your investment goals, which will be based on how long you are aiming to invest for, and how risk averse you are. At least once a year, it is a good idea to check your portfolio to keep your risk exposure as low as possible.

You can’t avoid risk when you are investing, but there is no need to take on unnecessary risks, and by following these simple tips, you can help to keep your risk level under control.

Uncategorized

A Second Chance at Love

August 2, 2018

With divorce rates on the rise, some might think that romance is dead. But, they couldn’t be more wrong. Research is showing that divorcees could be turning to online dating to find their next love and many are remarrying when they think they’ve found the right one. Together with Angelic Diamonds, retailers of diamond engagement rings, we take a look into the world of love for divorcees and older daters…

Older brides and grooms

Divorce rates in the UK are on the rise. There were 106, 959 opposite-sex divorces in 2016 — a rise of 5.8% compared with the previous year. In particular, statistics show that the most significant divorce rate increase occurred in couples over the age of 50. The number of men divorcing aged 65 and over went up by 25%, while women of the same age rose by 38%. But, why do we think this is happening?

As life expectancy is rising, people are living longer, and they have more time to end and form new relationships. It’s possible that, after someone becomes widowed, they still have 10 or 20 years ahead of them and want to share this with someone. People aged 65 and over are also more likely than ever to be working. This means that individuals are able to support themselves financially outside of a marriage and have the confidence to petition for divorce.

So, there is life after love. The number of brides and grooms aged 65 and over rose by 46% between 2004 and 2014. Almost all (92%) of brides and grooms that were aged 65 and over in 2014 had been divorced or widowed and were not experiencing their first marriage. This shows that people are willing to move on after one relationship ends, even if it does happen in later years. There are many singles in this age group too. In fact, the number of women in their early fifties who have never married has increased by 150% in 13 years between 2002 and 2015, and in men, increased by 70%.

Of course, there are many middle-aged couples remarrying too, and with access to online dating, finding someone who they’re compatible with has never been so easy.

Online dating

Online dating now isn’t just for the tech-savvy twenty-something. The median age of the online dater is currently 38 — so it’s clear that mature adults are embracing the trend and jumping on board to finding their special someone. Dating online allows individuals with similar interests, that might not have otherwise crossed paths, to contact each other.

With the rise in smartphone usage, online dating is more accessible than ever through the download of an app. Whilst the search volume for, ‘online dating sites’ dropped by 20% from February 2015 to February 2018, search for ‘dating apps’ rose by almost 50%.

Online dating is viewed as a safe platform for many — with no pressure to meet in real life while allowing you to learn more about one another without speaking face-to-face. For someone who may have been married most of their life and is nervous about meeting new people, this is important.

For older individuals, it can be simply about finding companionship that develops into something more. Loneliness can be an issue for many over 65s and online networking can help. In fact, 12% of over 65s said that they had met someone through an online dating website.

As millennials age, it’s easy to predict that the use of online dating in older individuals will rise. In one study by eHarmony, it was predicted that by 2050, predominantly older people will use online dating. They forecast that the median age of an online dater will rise to 47 and 82% of people will find their partner online.  

Changing opinions

Could it be our changing opinions towards separation that is driving the divorce rate and encouraging a second (or third, or fourth) love? In one YouGov study, which polled 2,000 British people, it was discovered that nearly two thirds of people don’t think that there is a stigma attached to ending a marriage.

At one-time, religious beliefs were more prevalent and it was frowned upon to divorce and then remarry. Couples were expected to spend the rest of their lives with those who they tied the knot with. But now, a mere 4% of people surveyed said that they strongly agreed that divorce is a social taboo. Instead, separation is accepted, and it is normal for someone to begin dating again after marriage.

As we can see, it’s never too late for love! Online dating is making it easier for those who have separated to find someone new. And changing attitudes are meaning that more people are accepting of a second love.

Sources

https://www.eharmony.co.uk/dating-advice/dating/future-of-dating-2050#.WquvI6jFKUk

https://www.thetimes.co.uk/article/divorce-rate-rises-for-all-types-of-marriage-vx22hltz6

https://visual.ons.gov.uk/marriage-and-divorce-on-the-rise-at-65-and-over/

https://www.telegraph.co.uk/news/2017/04/30/rise-silver-singles-hike-divorce-rates-70s-put-marriage/

https://amicable.io/divorce-rates-2016-highest-decade/

http://www.dailymail.co.uk/news/article-2336482/Divorce-longer-social-taboo-Britain-thirds-say-collapse-marriage-stigma-attached.html