Finance – London Markhor

The Ultimate Guide to Financial Planning for Retirement: Expert Strategies and Proven Investment Advice for a Secure Future

Nouman — Sun, 07 Dec 2025 12:13:36 +0000

Retirement is no longer about slowing down and living off a modest pension. Today, with longer life expectancies, rising healthcare costs, and uncertain Social Security benefits, a comfortable retirement requires decades of intentional preparation. Whether you’re in your 20s just starting your career or in your 50s racing toward the finish line, mastering financial planning for retirement is the single most important financial goal most people will ever have.

This comprehensive guide combines timeless principles with up-to-date strategies (as of late 2025) to help you build, grow, and protect the wealth you’ll need to live the retirement you actually want — not the one you’re forced to accept.

Phase 1: Define Your Retirement Vision (Most People Skip This and Regret It)

Before crunching a single number, answer these questions honestly:

At what age do you want to stop working full-time?
Where do you want to live? (Urban condo? Beach house? Abroad?)
What will your lifestyle cost? Travel 3–4 times a year? Golf membership? Helping kids or grandkids?
Do you want to leave a legacy or spend every last dollar?

A couple spending $120,000 per year (in today’s dollars) in a moderate-cost U.S. city will need roughly $3–4 million in investable assets if they retire at 60 and live to 95. That’s the math. Most people dramatically underestimate this number.

Action step: Use a detailed retirement calculator (Fidelity, Vanguard, or NewRetirement) and run at least three scenarios — Dream, Comfortable, and Bare Bones.

Phase 2: The Core Pillars of Retirement Success

1. Maximize Tax-Advantaged Accounts — The Closest Thing to a “Cheat Code”

Account Type	2025/2026 Contribution Limit	Tax Advantage	Best For
401(k)/403(b)	$23,500 ($24,500 in 2026) + $7,500 catch-up if 50+	Pre-tax contributions + possible employer match	Anyone with access to a plan
Roth IRA	$7,000 ($8,000 if 50+)	Tax-free growth & withdrawals	Those expecting higher tax rates in retirement
Traditional IRA	$7,000 ($8,000 if 50+)	Tax deduction now	High earners who can’t use Backdoor Roth
HSA (if eligible)	$4,150 individual / $8,300 family + $1,000 catch-up 55+	Triple tax-free (deduction, growth, qualified medical withdrawals)	The single best retirement account available
Mega Backdoor Roth	Up to $70,000+ post-tax into 401(k) → Roth conversion	Tax-free growth	Super-savers with solo 401(k) or generous employer plan

Rule of thumb: Contribute enough to get the full employer match → max HSA → max Roth IRA/Backdoor Roth → max 401(k) → taxable brokerage or real estate.

2. Build the Right Asset Allocation — The Real Engine of Wealth

Historical data shows that 88–95% of long-term portfolio returns come from asset allocation, not individual stock picking.

Recommended Allocations by Age (Aggressive to Conservative Shift)

Age	Stocks (U.S. + International)	Bonds/Cash	Alternative (REITs, Gold, etc.)
20s–30s	90–100%	0–10%	0–10%
40s	80–90%	10–20%	5–10%
50s	60–80%	20–35%	5–15%
60s	50–70%	30–45%	5–15%
70s+	40–60%	40–55%	5–10%

Popular simple portfolios in 2025:

The Boglehead 3-Fund: 60% VTI (U.S. total market), 30% VXUS (international), 10% BND (bonds)
Target-date funds (Vanguard, Fidelity, Schwab) — set-it-and-forget-it
All-Weather Portfolio (Ray Dalio style): 30% stocks, 40% long-term bonds, 15% intermediate bonds, 7.5% gold, 7.5% commodities

3. Understand the 4% Rule — and Its 2025 Updates

The classic 4% rule (withdraw 4% of your portfolio in year one, adjust annually for inflation) had a 96%+ success rate over 30-year retirements historically. But with lower expected bond returns and higher valuations in 2025, many experts now recommend:

3.3–3.7% safe withdrawal rate for 40+ year retirements
Dynamic spending: Spend more in good markets, less in bad ones
Guardrails approach (Guyton-Klinger rules)

Example: $2 million portfolio → $66,000–$74,000 safe first-year withdrawal (plus Social Security, pensions, etc.)

Advanced investment advice for 2025 and Beyond

1. Don’t Ignore International Stocks

U.S. stocks have dominated for 15 years, but valuations are near all-time highs (CAPE ratio ~36). Developed international (Europe, Japan) and emerging markets trade at CAPE ratios of 15–20. A 30–40% international allocation provides diversification and higher expected returns over the next decade.

2. Factor Tilting Still Works (When Done Cheaply)

Low-cost funds targeting Value, Profitability, and Momentum factors (e.g., Vanguard, Avantis, Dimensional) have historically outperformed the total market by 2–4% annually with similar risk.

3. Real Estate — Direct vs. REITs vs. Syndications

Direct rental properties: Great cash flow but illiquid and management-heavy
Public REITs (VNQ, SCHH): Liquid, diversified, but correlated with stocks
Private real estate syndications/private REITs: Higher yields (8–12%), tax advantages, but illiquid and higher fees

4. Alternative Assets Gaining Traction in 2025

Bitcoin/ETH (0–5% allocation) as “digital gold”
Farmland and timberland funds
Litigation finance, music royalties, private credit

Only use money you can afford to lose and keep alternatives under 15–20% total.

5. Tax-Loss Harvesting + Asset Location

Place tax-inefficient assets (bonds, REITs, high-turnover funds) in tax-deferred accounts. Keep tax-efficient assets (index funds, municipal bonds, qualified dividend stocks) in taxable accounts.

The Often-Ignored Risks That Derail Retirements

Sequence of Returns Risk A market crash in the first 5 years of retirement is devastating. Mitigate with:
- 2–5 years of expenses in cash/bonds (“bucket strategy”)
- Flexible spending
Healthcare and Long-Term Care A couple retiring today has a 70% chance one spouse will need long-term care. Average cost: $100,000+ per year. Solutions: Long-term care insurance (buy in 50s), hybrid life/LTC policies, or self-insure with a dedicated portfolio.
Inflation Healthcare inflation runs 5–7% annually. Include TIPS, I-Bonds, real estate, and stocks in your mix.
Longevity Risk Plan for 100. Many centenarians are financially strained because they planned for 85.

The Last 10 Years Before Retirement: The “Danger Zone” and “Power Window”

Shift to more conservative allocation gradually
Pay off high-interest debt
Build your cash bucket
Delay Social Security until 70 if possible (increases benefit ~76% vs. age 62)
Consider Roth conversions during lower-income years
Stress-test your plan annually

Sample Retirement Plan for a 40-Year-Old Earning $150,000

Current savings: $200,000

Goal: $3.5 million by age 65 (25 years)

Monthly savings: $35,000/year (max 401(k) + IRA + taxable)
Expected return: 7% real (after inflation)
Result: ~$3.7 million at 65 → $130,000–$150,000 annual spending power + Social Security

Even starting at zero, saving $2,000/month at 7% real return gets you ~$1.7 million by 65.

Final Thoughts: Start Today, Stay the Course

The biggest mistake? Waiting for the “perfect” time to start. Markets are unpredictable in the short term but remarkably consistent over decades. Dollar-cost averaging through bull and bear markets is how ordinary people build extraordinary wealth.

Your future self doesn’t need you to be a genius investor. They need you to be disciplined, patient, and proactive — starting right now.

Whether you’re looking for basic financial planning for retirement or sophisticated investment advice, the principles remain the same: spend less than you make, invest the difference wisely, minimize taxes and fees, and let time and compounding do the heavy lifting.

The retirement you want is not a dream — it’s a math problem. And you now have the formula.

Start solving it today.

UK Payday Loans: Can They Help Your Credit?

London Markhor — Wed, 10 Sep 2025 20:33:11 +0000

Introduction
Payday loans in the UK are often seen as a last-resort option for quick cash. They are short-term, high-cost loans designed to cover emergencies until your next payday. While these loans can be convenient, many borrowers wonder if taking one out can actually help build or improve their credit score. Understanding how payday loans interact with your credit file is essential before making any borrowing decisions.

How Payday Loans Appear on Your Credit Report
When you apply for a payday loan, the lender conducts a hard credit check with one or more credit reference agencies (CRAs) such as Experian, Equifax, or TransUnion. If approved, the loan appears on your credit report just like any other credit product. It includes the loan amount, start date, and repayment history. This record typically remains on your credit file for up to six years. Other lenders can see that you’ve used a high-cost, short-term credit product, which can influence their decision-making.

Potential for Positive Impact
In theory, best payday loans uk can help your credit if managed perfectly:

Timely Repayment: Paying the loan back on time and in full shows that you are a responsible borrower. This positive repayment history may slightly improve your credit score over time.
Building a Track Record: If you have a thin or limited credit file, successfully repaying a payday loan can demonstrate that you can handle credit responsibly.
Short-Term Credit Mix: Adding another type of credit to your profile can diversify your credit mix, which may benefit your score.

However, these benefits are typically modest. Payday loans are not designed to be credit-building tools, and mainstream lenders rarely view them favourably.

Risks of Hurting Your Credit Score
The risks of damaging your credit score with payday loans are far greater than the potential benefits:

Missed or Late Payments: Any late or missed repayment will be reported to the CRAs and can significantly lower your score.
Default or Collection Activity: Defaulting on a payday loan can lead to a collection entry, which remains on your credit file for six years.
Multiple Loan Applications: Applying for several payday loans in a short period results in multiple hard checks, lowering your score temporarily and signalling financial instability.
Perception by Other Lenders: Even if you repay on time, mainstream lenders may still see payday loans as a sign of financial stress, which could lead to declined applications for other types of credit.

Alternatives for Building Credit
If your main goal is to improve your credit score, safer alternatives exist:

Credit Builder Cards: Special credit cards designed for people with poor or limited credit histories can help build your score at lower cost.
Secured Loans or Guarantor Loans: These may come with lower interest rates and can be more acceptable to mainstream lenders.
Budgeting and Timely Bill Payments: Paying household bills, mobile contracts, and subscriptions on time also contributes to a positive credit record.

Regulation and Consumer Protection
The Financial Conduct Authority (FCA) regulates payday lenders in the UK. Lenders must cap daily interest at 0.8%, limit default fees to £15, and ensure total repayments don’t exceed twice the original loan. They’re also required to conduct affordability checks to reduce the risk of borrowers falling into unmanageable debt—an indirect safeguard for your credit score.

Best Practices if You Use a Payday Loan
If you do take out a payday loan, you can protect your credit by:

Borrowing only what you need and can repay on time.
Setting up automatic repayments or reminders.
Avoiding multiple loans at once.
Regularly checking your credit report to ensure accuracy.

Conclusion
While it’s technically possible for UK payday loans to have a neutral or even slightly positive effect on your credit score if repaid on time, the risks of damage far outweigh the benefits. Payday loans are not designed as credit-building tools and are more likely to harm your financial profile than help it. If improving your credit is your priority, consider safer alternatives such as credit builder cards, overdrafts, or ethical lenders. By understanding how payday loans interact with your credit file, you can make smarter financial decisions and protect your long-term financial health.

BlackRock Partners with DNB Financial Group to Revolutionize Institutional Investing

London Markhor — Wed, 05 Mar 2025 16:39:23 +0000

A Landmark Collaboration Set to Disrupt Traditional Asset Management and Reshape Global Finance

In a monumental financial shift, BlackRock, the world’s largest asset manager, has announced a strategic partnership with DNB Financial Group to revolutionize institutional investing. This high-stakes collaboration will leverage cutting-edge financial technology, AI-driven analytics, and next-generation portfolio strategies to redefine how institutions allocate capital in today’s volatile markets.

With over $10 trillion in assets under management, BlackRock’s influence in global finance is undeniable. By joining forces with DNB Financial Group, a leader in data-driven investment solutions, the firms are set to introduce unprecedented innovation in institutional portfolio management, risk mitigation, and market intelligence.

Power Play: A New Era for Institutional Investing

This partnership marks a seismic shift in institutional investing, bridging BlackRock’s deep market expertise and global reach with DNB Financial Group’s advanced AI-powered trading infrastructure. Together, they will create a new frontier in asset allocation, where machine learning, predictive analytics, and automated risk management define the next wave of investment strategy.

A senior executive at DNB Financial Group stated:
“Institutional finance is at a breaking point. Traditional strategies alone are no longer enough. Partnering with BlackRock allows us to redefine how capital is deployed across global markets with the intelligence, speed, and precision that today’s economy demands.”

What This Means for Institutional Investors

This strategic alliance brings groundbreaking investment innovations that will reshape how pension funds, hedge funds, sovereign wealth funds, and high-net-worth individuals manage capital in a rapidly evolving financial ecosystem.

AI-Driven Asset Allocation – Combining machine learning with real-time economic data to optimize portfolio diversification and allocation.
Enhanced Risk Management – Advanced predictive modeling will anticipate market volatility and automatically adjust positions to protect institutional capital.
Automated Investment Strategies – BlackRock’s quantitative trading models will integrate with DNB Financial Group’s proprietary market intelligence tools for seamless, algorithmic execution.
Multi-Asset Class Coverage – Institutional investors gain exposure to stocks, bonds, commodities, forex, and digital assets under a unified, AI-powered investment platform.
Unparalleled Market Access – Direct access to global liquidity pools, alternative investment strategies, and real-time market insights to outperform traditional benchmarks.

Industry Experts React to the BlackRock & DNB Financial Group Partnership

The financial world is already buzzing with reactions from leading investment firms and financial institutions in the U.S., viewing this power move as a transformational moment for asset management.

Michael Harris, Director of Institutional Investments at Vanguard Group:
“This partnership is one of the biggest shifts in institutional investing we’ve seen in the last decade. The combination of BlackRock’s global influence and DNB Financial Group’s AI-powered analytics is a blueprint for the future of institutional asset management.”

Jessica Caldwell, Managing Director at Morgan Stanley Wealth Management:
“Institutional investors have been demanding more sophisticated risk management and automation tools. BlackRock’s collaboration with DNB Financial Group is a clear step toward integrating AI into every aspect of institutional portfolio management.”

Robert Stein, Chief Investment Officer at Fidelity Institutional:
“This partnership underscores the growing importance of data-driven decision-making in asset management. The firms that invest in AI and predictive analytics will have a clear advantage over those that rely on outdated models.”

Lauren Becker, Senior Portfolio Strategist at Charles Schwab Asset Management:
“We’re witnessing a complete transformation in institutional finance. BlackRock and DNB Financial Group are setting the stage for an era where AI, automation, and real-time analytics drive the most effective investment strategies.”

The Future of Institutional Investing Under BlackRock & DNB Financial Group

As financial markets become more algorithm-driven, fast-paced, and complex, BlackRock’s collaboration with DNB Financial Group will introduce:

AI-Based Portfolio Optimization – Dynamic asset rebalancing and capital allocation strategies based on real-time market conditions.
Market-Adaptive Trading Models – Systems designed to automatically detect market shifts and adjust risk exposure in milliseconds.
Tokenized Asset Management – Exploring the integration of blockchain technology into institutional portfolio structures.
Deeper Quantitative Research – Leveraging big data and advanced financial modeling to identify investment opportunities before they become mainstream.

With this high-impact partnership, DNB Financial Group and BlackRock are setting the standard for how institutional finance will function in the future. The firms are working together to create the most advanced institutional investment ecosystem ever developed, ensuring efficiency, security, and profitability for large-scale investors worldwide.

About DNB Financial Group

DNB Financial Group is a UK-based financial institution specializing in institutional investment strategies, AI-powered trading, and risk management solutions. With a commitment to innovation, market intelligence, and automated asset allocation, the firm provides high-net-worth investors and institutions with unparalleled financial insights and investment strategies.

About BlackRock

BlackRock is the world’s largest asset management firm, overseeing $10+ trillion in assets across institutional, retail, and alternative investments. BlackRock is known for its cutting-edge financial solutions, quantitative investing strategies, and leadership in risk management and global market access.

How a Debt Collector Can Help Recover Unpaid Invoices

London Markhor — Mon, 25 Nov 2024 11:35:59 +0000

Unpaid invoices are a common issue for many businesses, whether they are small enterprises or large corporations. When clients or customers fail to pay on time, it can disrupt cash flow, hinder growth, and create unnecessary stress. In these situations, hiring a professional debt collector can be a smart and effective solution. Here, we explore how a debt collector can help recover unpaid invoices and improve your business’s financial health.

1. Expertise in Debt Recovery

A debt collector brings years of specialised experience to the table. They understand the ins and outs of the debt recovery process, including the legal aspects, which can be confusing for business owners. By hiring a professional, you gain access to their knowledge and skills, which can significantly improve your chances of recovering unpaid invoices quickly and efficiently.

2. Faster Resolution

The process of chasing unpaid invoices can be time-consuming, particularly when clients are unresponsive or dispute the debt. A debt collector can take over this task, allowing you to focus on running your business. Professional debt collection agencies have systems in place to ensure faster resolution, often resulting in quicker payments. They know how to escalate cases when necessary, applying the right pressure to encourage clients to settle their debts.

3. Minimise the Risk of Legal Action

When invoices remain unpaid for an extended period, businesses may feel the need to pursue legal action, which can be costly and time-consuming. A debt collector can act as an intermediary before things escalate to this point. By negotiating with clients and utilising established strategies, they can often recover the debt without the need for court intervention. This not only saves you money but also helps maintain your professional relationships with clients.

4. Cost-Effective Solution

While you might be concerned about the cost of hiring a debt collector, it is often a more cost-effective solution than trying to recover the debt yourself. Professional debt collectors typically work on a commission basis, meaning you only pay them a percentage of the amount recovered. This means there are no upfront fees, and you don’t bear the financial risk if they are unsuccessful in collecting the debt.

5. Preserving Client Relationships

A key advantage of using a debt collector is that they can handle the recovery process in a professional manner. Often, businesses are reluctant to chase overdue invoices for fear of damaging client relationships. However, a debt collector can approach the situation tactfully, maintaining a level of professionalism that allows your business to recover the debt without jeopardising future business with the client.

6. Maintaining Focus on Your Business

Chasing unpaid invoices can take up a significant amount of your time, diverting your focus away from the core aspects of running your business. By outsourcing this task to a debt collector, you can free up your time to concentrate on your products, services, and customer relationships. This increased focus can ultimately help your business grow while ensuring that your cash flow remains steady.

Conclusion

When faced with unpaid invoices, hiring a debt collector is a wise decision for many businesses. They bring expertise, speed, and professionalism to the process, helping you recover outstanding payments without the stress and hassle of doing it yourself. Moreover, they can help you preserve client relationships, minimise the risk of legal action, and ensure that your business remains financially healthy.

If your business is struggling with unpaid invoices, consider partnering with a professional debt collector. By doing so, you can focus on what matters most—growing your business—while they handle the financial recovery.

Bitcoin, Ethereum Escape Broader Market Slide

London Markhor — Tue, 04 Oct 2022 20:51:09 +0000

To understand the new smart watched and other pro devices of recent focus, we should look to Silicon Valley and the quantified movement of the latest generation.

Apple’s Watch records exercise, tracks our moves throughout the day, assesses the amount of time we are stood up and reminds us to get up and move around if we have been sat for too long – let’s not forget Tim Cook’s “sitting is the new factor” line.

Diana saves Steve Trevor who has crashed on Themyscira. He warns her of the great war, World War I, raging across the globe. Wonder Woman joins him in the world of man.

Diana was also joined on the show by her brother Jonathan Dior.

So long as life remains, there is always hope… and so long as there is hope, there can be victory!
DIANA PRINCE

Before you click away, disappointed that I brought up something as practical and boring as time management, hear me out. My intent is not to crush your spirits.

You Truly Believed In Justice

The average U.S. iPhone owner uses 1-2 gigabytes of LTE data per month, according to some studies. That data comes at an energy cost that’s opaque, because we can’t see it directly.

It’s quite the statement to make, and one that requires some thought. Wonder Woman is essentially saying that if your core beliefs are shaken by a personal experience.

Also Read: Journey of Diana Prince into the Wonder Woman Empire

Just another Cozy Time of the day.

To its detractors, love at first sight must be an illusion – the wrong term for what is simply infatuation, or a way to sugarcoat lust.

Take a social media hiatus. According to a recent survey from Everyday Health, 60 to 70 percent of young adults say they check their social media platforms at least daily. Why not dial that back for the holidays?
Stick to your new routine. It’s tempting to shake up your typical schedule when the holidays come around, but women’s health expert and BINTO founder Suzie Welsh emphasizes the importance of routine amid the revelry.
Be intentional about fitness. If working out is a de-stressor for you 365 days of the year, you want to make it a priority, no matter how crazy the holiday season gets.

The truth, of course, is that these people have been lying to you all along.

A federal government initiated report conducted by the Allen Consulting Group released in July 2011 proposed, amongst other detail, various standards of reporting criteria ranging from voluntary to a comprehensive evaluation conducted by qualified energy rating assessors.

What One Does With The Truth

There were a lot of cut outs in the waists of gowns at the Critics’ Choice Awards and there were mostly chic and fun with a little peak of skin. This is not a little peak.

The favorite pet.

They will all come together to decide the winner of the prize, which was won last year by British menswear designer Grace Wales Bonner. The successful candidate will be given a $300,000 grant and year-long business mentorship.

Coverage: 50 Ways to Wear a Hat

We like the idea of a long top over pants – it’s nervy – but the combo of no straps, very long layers of ruffling and her cleavage looking smashed the latest records.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye.

Facebook has been less active than Google on the public relations front, but has joined its lobbying efforts – going as far as hiring experienced lobbyists who know Prime Minister Scott Morrison personally.

Here’s what we know – and don’t – about Tech’s Novel Use.

Joe Doe tested negative for Tech Literacy.
Shane’s diagnosis could spell disaster for his campaign.
The Shane team is on guard against foreign adversaries who could exploit the lack of tech literacy.

1. There is always the New Project, the New Opportunity.

For some luxury travel around the world.

Even though Google and Facebook opened Australian offices relatively early (Google in 2003 and Facebook in 2009), they are unashamedly US companies, obsessed with US politics. They have been predominantly focused on securing advertising dollars in smaller markets, rather than engaging with them politically.

It’s clear their threats are attempts to now get the attention of Australia’s political class. And if the platforms follow through.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye. Success isn’t about the end result, it’s about learning.

2. To be successful, follow your passion and see where it leads you.

The perfect cosplayer from Chicago.

Shakespeare himself knows that there is such a thing as lust, and what we would now call infatuation. He’s no fool. People who exhibit the perfectionism are fearful of failure.

Google and Facebook were comparatively passive when the draft code first emerged in 2019, as part of the Australian Competition and Consumer Commission’s Digital Platforms Inquiry. Providing advance notice of any changes.

Forget Your Fears and Worries

Success isn’t about the end result, it’s about what you learn along the way. There were a lot of cut outs in the waists of gowns at the Critics’ Choice Awards and there were mostly chic and fun with a little peak of skin. The contrast in these stories help to highlight what we’ve learned:

Light comes from all sorts of randomness void.
It’s a blessing, but also a terrible defect sensational.
Smart phones are a massive energy drain.
Buy SmartMag for your successful site.

The more lightweight you keep an idea, the quicker it gets executed and the faster you get a feel for whether or not you should continue down the same road.

We’d love to show you how to make a great living as a writer. Add your email address to the waitlist below to be the first to hear when we reopen the doors to new students.

Elon Musk Appoints Airbnb Co-Founder to Tesla’s Board

London Markhor — Tue, 04 Oct 2022 20:51:06 +0000

To understand the new smart watched and other pro devices of recent focus, we should look to Silicon Valley and the quantified movement of the latest generation.

Diana saves Steve Trevor who has crashed on Themyscira. He warns her of the great war, World War I, raging across the globe. Wonder Woman joins him in the world of man.

Diana was also joined on the show by her brother Jonathan Dior.

So long as life remains, there is always hope… and so long as there is hope, there can be victory!
DIANA PRINCE

Before you click away, disappointed that I brought up something as practical and boring as time management, hear me out. My intent is not to crush your spirits.

You Truly Believed In Justice

The average U.S. iPhone owner uses 1-2 gigabytes of LTE data per month, according to some studies. That data comes at an energy cost that’s opaque, because we can’t see it directly.

It’s quite the statement to make, and one that requires some thought. Wonder Woman is essentially saying that if your core beliefs are shaken by a personal experience.

Also Read: Journey of Diana Prince into the Wonder Woman Empire

Just another Cozy Time of the day.

To its detractors, love at first sight must be an illusion – the wrong term for what is simply infatuation, or a way to sugarcoat lust.

Take a social media hiatus. According to a recent survey from Everyday Health, 60 to 70 percent of young adults say they check their social media platforms at least daily. Why not dial that back for the holidays?
Stick to your new routine. It’s tempting to shake up your typical schedule when the holidays come around, but women’s health expert and BINTO founder Suzie Welsh emphasizes the importance of routine amid the revelry.
Be intentional about fitness. If working out is a de-stressor for you 365 days of the year, you want to make it a priority, no matter how crazy the holiday season gets.

The truth, of course, is that these people have been lying to you all along.

What One Does With The Truth

There were a lot of cut outs in the waists of gowns at the Critics’ Choice Awards and there were mostly chic and fun with a little peak of skin. This is not a little peak.

The favorite pet.

Coverage: 50 Ways to Wear a Hat

We like the idea of a long top over pants – it’s nervy – but the combo of no straps, very long layers of ruffling and her cleavage looking smashed the latest records.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye.

Here’s what we know – and don’t – about Tech’s Novel Use.

Joe Doe tested negative for Tech Literacy.
Shane’s diagnosis could spell disaster for his campaign.
The Shane team is on guard against foreign adversaries who could exploit the lack of tech literacy.

1. There is always the New Project, the New Opportunity.

For some luxury travel around the world.

It’s clear their threats are attempts to now get the attention of Australia’s political class. And if the platforms follow through.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye. Success isn’t about the end result, it’s about learning.

2. To be successful, follow your passion and see where it leads you.

The perfect cosplayer from Chicago.

Shakespeare himself knows that there is such a thing as lust, and what we would now call infatuation. He’s no fool. People who exhibit the perfectionism are fearful of failure.

Forget Your Fears and Worries

Light comes from all sorts of randomness void.
It’s a blessing, but also a terrible defect sensational.
Smart phones are a massive energy drain.
Buy SmartMag for your successful site.

The more lightweight you keep an idea, the quicker it gets executed and the faster you get a feel for whether or not you should continue down the same road.

We’d love to show you how to make a great living as a writer. Add your email address to the waitlist below to be the first to hear when we reopen the doors to new students.

HSBC Explores $9bn Sale of Canadian Business

London Markhor — Tue, 04 Oct 2022 20:51:02 +0000

To understand the new smart watched and other pro devices of recent focus, we should look to Silicon Valley and the quantified movement of the latest generation.

Diana saves Steve Trevor who has crashed on Themyscira. He warns her of the great war, World War I, raging across the globe. Wonder Woman joins him in the world of man.

Diana was also joined on the show by her brother Jonathan Dior.

So long as life remains, there is always hope… and so long as there is hope, there can be victory!
DIANA PRINCE

Before you click away, disappointed that I brought up something as practical and boring as time management, hear me out. My intent is not to crush your spirits.

You Truly Believed In Justice

The average U.S. iPhone owner uses 1-2 gigabytes of LTE data per month, according to some studies. That data comes at an energy cost that’s opaque, because we can’t see it directly.

It’s quite the statement to make, and one that requires some thought. Wonder Woman is essentially saying that if your core beliefs are shaken by a personal experience.

Also Read: Journey of Diana Prince into the Wonder Woman Empire

Just another Cozy Time of the day.

To its detractors, love at first sight must be an illusion – the wrong term for what is simply infatuation, or a way to sugarcoat lust.

Take a social media hiatus. According to a recent survey from Everyday Health, 60 to 70 percent of young adults say they check their social media platforms at least daily. Why not dial that back for the holidays?
Stick to your new routine. It’s tempting to shake up your typical schedule when the holidays come around, but women’s health expert and BINTO founder Suzie Welsh emphasizes the importance of routine amid the revelry.
Be intentional about fitness. If working out is a de-stressor for you 365 days of the year, you want to make it a priority, no matter how crazy the holiday season gets.

The truth, of course, is that these people have been lying to you all along.

What One Does With The Truth

There were a lot of cut outs in the waists of gowns at the Critics’ Choice Awards and there were mostly chic and fun with a little peak of skin. This is not a little peak.

The favorite pet.

Coverage: 50 Ways to Wear a Hat

We like the idea of a long top over pants – it’s nervy – but the combo of no straps, very long layers of ruffling and her cleavage looking smashed the latest records.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye.

Here’s what we know – and don’t – about Tech’s Novel Use.

Joe Doe tested negative for Tech Literacy.
Shane’s diagnosis could spell disaster for his campaign.
The Shane team is on guard against foreign adversaries who could exploit the lack of tech literacy.

1. There is always the New Project, the New Opportunity.

For some luxury travel around the world.

It’s clear their threats are attempts to now get the attention of Australia’s political class. And if the platforms follow through.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye. Success isn’t about the end result, it’s about learning.

2. To be successful, follow your passion and see where it leads you.

The perfect cosplayer from Chicago.

Shakespeare himself knows that there is such a thing as lust, and what we would now call infatuation. He’s no fool. People who exhibit the perfectionism are fearful of failure.

Forget Your Fears and Worries

Light comes from all sorts of randomness void.
It’s a blessing, but also a terrible defect sensational.
Smart phones are a massive energy drain.
Buy SmartMag for your successful site.

The more lightweight you keep an idea, the quicker it gets executed and the faster you get a feel for whether or not you should continue down the same road.

We’d love to show you how to make a great living as a writer. Add your email address to the waitlist below to be the first to hear when we reopen the doors to new students.

Bitcoin in Crosshairs as EU Goes After Non-Green Crypto

London Markhor — Tue, 04 Oct 2022 20:50:58 +0000

To understand the new smart watches and other pro devices of recent focus, as well as innovations like the Forex expert advisor, we should look to Silicon Valley and the quantified movement of the latest generation.

Diana saves Steve Trevor who has crashed on Themyscira. He warns her of the great war, World War I, raging across the globe. Wonder Woman joins him in the world of man.

Diana was also joined on the show by her brother Jonathan Dior.

So long as life remains, there is always hope… and so long as there is hope, there can be victory!
DIANA PRINCE

Before you click away, disappointed that I brought up something as practical and boring as time management, hear me out. My intent is not to crush your spirits.

You Truly Believed In Justice

The average U.S. iPhone owner uses 1-2 gigabytes of LTE data per month, according to some studies. That data comes at an energy cost that’s opaque, because we can’t see it directly.

It’s quite the statement to make, and one that requires some thought. Wonder Woman is essentially saying that if your core beliefs are shaken by a personal experience.

Also Read: Journey of Diana Prince into the Wonder Woman Empire

Just another Cozy Time of the day.

To its detractors, love at first sight must be an illusion – the wrong term for what is simply infatuation, or a way to sugarcoat lust.

Take a social media hiatus. According to a recent survey from Everyday Health, 60 to 70 percent of young adults say they check their social media platforms at least daily. Why not dial that back for the holidays?
Stick to your new routine. It’s tempting to shake up your typical schedule when the holidays come around, but women’s health expert and BINTO founder Suzie Welsh emphasizes the importance of routine amid the revelry.
Be intentional about fitness. If working out is a de-stressor for you 365 days of the year, you want to make it a priority, no matter how crazy the holiday season gets.

The truth, of course, is that these people have been lying to you all along.

What One Does With The Truth

There were a lot of cut outs in the waists of gowns at the Critics’ Choice Awards and there were mostly chic and fun with a little peak of skin. This is not a little peak.

The favorite pet.

Coverage: 50 Ways to Wear a Hat

We like the idea of a long top over pants – it’s nervy – but the combo of no straps, very long layers of ruffling and her cleavage looking smashed the latest records.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye.

Here’s what we know – and don’t – about Tech’s Novel Use.

Joe Doe tested negative for Tech Literacy.
Shane’s diagnosis could spell disaster for his campaign.
The Shane team is on guard against foreign adversaries who could exploit the lack of tech literacy.

1. There is always the New Project, the New Opportunity.

For some luxury travel around the world.

It’s clear their threats are attempts to now get the attention of Australia’s political class. And if the platforms follow through.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye. Success isn’t about the end result, it’s about learning.

2. To be successful, follow your passion and see where it leads you.

The perfect cosplayer from Chicago.

Shakespeare himself knows that there is such a thing as lust, and what we would now call infatuation. He’s no fool. People who exhibit the perfectionism are fearful of failure.

Forget Your Fears and Worries

Light comes from all sorts of randomness void.
It’s a blessing, but also a terrible defect sensational.
Smart phones are a massive energy drain.
Buy SmartMag for your successful site.

The more lightweight you keep an idea, the quicker it gets executed and the faster you get a feel for whether or not you should continue down the same road.

We’d love to show you how to make a great living as a writer. Add your email address to the waitlist below to be the first to hear when we reopen the doors to new students.

EU Officials Warned of Risk Over Issuing Financial Warning

London Markhor — Fri, 22 Jan 2021 17:17:21 +0000

To understand the new smart watched and other pro devices of recent focus, we should look to Silicon Valley and the quantified movement of the latest generation.

Diana saves Steve Trevor who has crashed on Themyscira. He warns her of the great war, World War I, raging across the globe. Wonder Woman joins him in the world of man.

Diana was also joined on the show by her brother Jonathan Dior.

So long as life remains, there is always hope… and so long as there is hope, there can be victory!
DIANA PRINCE

Before you click away, disappointed that I brought up something as practical and boring as time management, hear me out. My intent is not to crush your spirits.

You Truly Believed In Justice

The average U.S. iPhone owner uses 1-2 gigabytes of LTE data per month, according to some studies. That data comes at an energy cost that’s opaque, because we can’t see it directly.

It’s quite the statement to make, and one that requires some thought. Wonder Woman is essentially saying that if your core beliefs are shaken by a personal experience.

Also Read: Journey of Diana Prince into the Wonder Woman Empire

Just another Cozy Time of the day.

To its detractors, love at first sight must be an illusion – the wrong term for what is simply infatuation, or a way to sugarcoat lust.

Take a social media hiatus. According to a recent survey from Everyday Health, 60 to 70 percent of young adults say they check their social media platforms at least daily. Why not dial that back for the holidays?
Stick to your new routine. It’s tempting to shake up your typical schedule when the holidays come around, but women’s health expert and BINTO founder Suzie Welsh emphasizes the importance of routine amid the revelry.
Be intentional about fitness. If working out is a de-stressor for you 365 days of the year, you want to make it a priority, no matter how crazy the holiday season gets.

The truth, of course, is that these people have been lying to you all along.

What One Does With The Truth

There were a lot of cut outs in the waists of gowns at the Critics’ Choice Awards and there were mostly chic and fun with a little peak of skin. This is not a little peak.

The favorite pet.

Coverage: 50 Ways to Wear a Hat

We like the idea of a long top over pants – it’s nervy – but the combo of no straps, very long layers of ruffling and her cleavage looking smashed the latest records.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye.

Here’s what we know – and don’t – about Tech’s Novel Use.

Joe Doe tested negative for Tech Literacy.
Shane’s diagnosis could spell disaster for his campaign.
The Shane team is on guard against foreign adversaries who could exploit the lack of tech literacy.

1. There is always the New Project, the New Opportunity.

For some luxury travel around the world.

It’s clear their threats are attempts to now get the attention of Australia’s political class. And if the platforms follow through.

This is reflected in the basic idea to Kate Ballis’ photo series Beaches Above. By shooting the world from a bird’s eye. Success isn’t about the end result, it’s about learning.

2. To be successful, follow your passion and see where it leads you.

The perfect cosplayer from Chicago.

Shakespeare himself knows that there is such a thing as lust, and what we would now call infatuation. He’s no fool. People who exhibit the perfectionism are fearful of failure.

Forget Your Fears and Worries

Light comes from all sorts of randomness void.
It’s a blessing, but also a terrible defect sensational.
Smart phones are a massive energy drain.
Buy SmartMag for your successful site.

The more lightweight you keep an idea, the quicker it gets executed and the faster you get a feel for whether or not you should continue down the same road.

We’d love to show you how to make a great living as a writer. Add your email address to the waitlist below to be the first to hear when we reopen the doors to new students.