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6 Travel Tips Everyone Should Know

Posted on July 20, 2020 by admin

Several countries, thousands of flights and endless road trips. That’s the life of a travel writer, and it teaches you a lot of fair things. I would like to share some of my travel tips with you as I found them very helpful on every trip I went on.Be AnnoyingIt’s time to talk to different people. The waiter, the concierge, the bar staff or that customer sitting at the next table who looks good. Ask them questions about what to see, and you will find that people will love to share their tips and knowledge with you. Trust me many people get nervous, but starting a conversation randomly and you are just a step near to the next hidden gem.Get Out Of The BedThis is the most difficult thing to deal with, especially for those who love to stay in bed a little longer than usual. It’s best you get up early because there is a lot that happens before the brunch time. So get out and head out to a diner for breakfast in Washington or hit the best beach in Italy before hordes of tourists reach there. Trust me you won’t regret this one; you can sleep as much as you want once you reach home.Keep Your Phone ChargedThere is nothing worse than being out of technology due to a dead battery. Keep a power bank with you so that you are never out of battery.Join The CloudThat iPhone is not worth any value, and that is for one main reason: pictures. Memories are the best thing you make on trips, and without them, the charm of going on a journey will be lost. Gone are the days when you use to keep the manual backup. Apple now keeps you covered with iCloud, set your cloud up and get access to every photo and video from anywhere.Remember Your FavouritesRemember that fantastic restaurant you went to the last time you visited New York four years ago? No? That’s bad! Next time just ask your phone to remember it, in Google Maps only write the name of the place and then hit “save”. This method will help mark it with a star so you can always go back and check it out.Carry CashFrom Amsterdam to Cambodia, being short for money is not a great deal. You won’t find an ATM everywhere, and you can’t always use your debit/credit cards to pay for hotels, bars and restaurants. Carry an emergency cash with you around $150 in USD or the local currency of the destination you are visiting.

Market Instability

Posted on July 20, 2020 by admin

What is it that causes a major or even a minor crash in the stock market? Or even anything else?
Daily there are events that move the market slightly either up or down. By slightly I mean one or 2%. These fluctuations occur naturally within major and minor trends again either up or down. Currently the price of crude oil has an important role. Housing/interest rates another and consumer purchases a third. These are the big three forces today. They change with the times.So far none of them has influenced the overall major upward trend of the past 3 years. From a place almost no one can fathom comes a completely strange event that causes a change in the major trend.The assassination of a minor Arch Duke set the flames of war for World War One. Certainly this individual act was not the reason for that terrible conflagration. Big events such as Hitler’s invasion of France and Japan’s bombing of Pearl Harbor had many tiny acts of aggression not seen to have caused such flagrant behavior.What might seem to be the major overt act has fingers of instability reaching into areas we cannot even imagine. An important event may not trigger anything and yet an insignificant one may reach deeply into the fabric of our economy starting ripples that become a tidal wave. The failure of a small bank in North Dakota might start a series of defaults that feeds upon itself ultimately tearing into the structure of the world banking community.Suddenly, very suddenly, a financial crisis of dramatic proportions occurs with defaults in trillions of derivatives. All other phases of world economies are sucked into it and become part of the tumbling mass. It becomes a self-feeding event that is now an avalanche that none of the world’s great financial geniuses can stop. Markets collapse world wide.Today we look to the 3 important avalanche potentials (oil, housing and the consumer) and wonder what is holding up the market. Yet it continues its upward bias. Some far off event may occur that lights the fuse of the next recession. And don’t think there will not be one. The markets of New York, Tokyo, London, Moscow and Beijing are all connected at the hip. Recessions are as sure as the sun in the morning and the moon at night.An investor must guard his savings during these downward periods. A zero return on investment is better than a negative return. Do not think to be able to recognize the event that will turn the market down. That is almost impossible.Learn to recognize the major market trend and be in cash or bonds when it turns.
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