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lrgarden
2022-07-26
UK, much of Europe, and all of Australia and New Zealand provide easy money
The same laws apply while visiting Europe, Australia, and New Zealand as they do in the United Kingdom. The first few days in a new country may be a challenge, so it's always a good idea to carry some local cash on you. This is particularly true if you don't yet have access to an ATM. Your tour is bound to include local shops, marketplaces, and pubs and restaurants that do not take debit or credit cards. It's important to know that American Express isn't as commonly recognized as other credit cards like Visa and Mastercard. Keep your Visa and Mastercards separate so that you don't lose them at the same time. In case of an emergency, it's a good idea to have one credit card in your hostel or hotel room. Instead of carrying huge sums of cash, it is safer to withdraw money from an ATM on a regular basis. While it is handy to get cash from an ATM, most banks impose a fee when you use your card outside of your country of residence. Don't forget to notify your bank where you're going so that they don't block your card.Take a cue from the United States and Canada
Despite the fact that debit and credit cards are commonly accepted in the United States and Canada, you'll still need cash for tipping everyone from taxi drivers and hotel porters to waiters and bartenders in this country. Obtain some US or Canadian currency before you go, so that you'll be prepared to leave a gratuity when you arrive. Keep a supply of one-dollar notes on hand at all times by splitting bigger bills into smaller denominations. Keep in mind that valet parking costs $5 and that porters often charge $1 per bag.Preparation is key: consider North and South Africa as well as Japan and Korea
In remote locations (or even smaller towns and cities), even if ATMs are widely available, you may discover that just a few banks accept international cards and that there are no ATMs. Also, smaller restaurants and businesses may not take credit or debit cards as readily as you are accustomed to. Get your finances in order ahead of time so you don't have to scramble at the last minute. If you're going on a long journey, don't bring all of your money with you at the start. As a result, plan to withdraw greater quantities from an ATM in a major city or at a railway or airport terminal, where ATMs are both more prevalent and more likely to take international cards.Most of South America, Southeast Asia, and Africa are cash-based societies
You may be surprised to learn that even the most upscale hotels in these regions don't take credit or debit cards. Traveling across borders necessitates paying for visas in cash, so don't take it for granted that an ATM will be close. It's no surprise therefore that the US dollar is often regarded as a reserve currency in many of these nations. You may even locate hotel prices in dollars in Vietnam, for example. If the US dollar is widely recognized, bring both dollars and the local money with you when you go. Ensure that all banknotes, even those with smaller denominations like $10 and $20, are free of stains and blemishes before handing them out. $100 notes won't be much use while staying at a motel for $20 and eating a meal for $2 in these places. Due to the fact that you may have to pay for everything in cash, you'll need to put in much more effort up front. Assume that all costs will be paid for in cash, and order the currency you need in advance so that you won't have to hunt down an ATM upon your arrival in the destination country. Plan to replace your cash every week if you're going on a longer journey and look up where you can locate an ATM online (usually in major towns and airports). Vietnam and Cuba are examples of nations with closed currencies. This means that outside of the place of origin, the money is not freely accessible. If you're flying in, prepare to use an ATM at the airport and bring US cash with you at all times.
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lrgarden
2022-07-26
Benefits to Physical Health
Since hiking is a cardiovascular activity, it has the potential to have a positive impact on heart health as well as blood pressure and glucose levels. Hiking strengthens the leg muscles, improves core stability, and improves balancing abilities. It takes greater balance and core strength to negotiate the steeper terrain when the terrain is more complex and the climbing effort is higher. In order to keep you from falling forward as you're going up (such your quadriceps, glutes, hamstrings, and calves), you'll need to use a lot of your bigger leg muscles. As a result of the increased effort done by the smaller stabilizer muscles while walking on uneven ground, overall stability and balance are improved. Hiking may be done by everyone, regardless of age or ability, since the difficulty of a trek can be adjusted to suit the needs of the person hiking, from an easy neighborhood hiking route to a demanding journey up a mountain. The more difficult the path is, the greater the potential benefit to your cardiovascular system.The Advantages of a Healthy Mind
According to research, people who hike in mountainous places with altitude changes may experience sensations of valence (pleasure), exhilaration (or happiness), and tranquility shortly thereafter. Stress-related reactions, such as decreased levels of cortisol (a stress hormone) in saliva, were reduced after trekking outside, according to one research. Time spent outside, according to Stanford University researchers, lessens rumination, or the habitual ruminations on unpleasant feelings. Spending time in nature has been shown to promote mental health and offer urban dwellers with the respite they need to lessen negative thinking patterns, according to the same research. When it comes to rumination and withdrawal, the subgenual prefrontal cortex (sgPFC) is one of the parts of the brain that is related to both healthy persons and those with depression. Aside from these advantages, being in nature reduces anxiety and enhances cognitive and emotional well-being. Stress and blood pressure levels have been demonstrated to drop when people spend time outside, whether in a natural setting or a man-made one.A Step-by-Step Guide
The benefits of being outside are well-documented, but what can you do to start reaping these benefits? To begin, use shorter treks on familiar paths close to your home to ease you into the activity. Footwear with a thicker sole provides a more secure foothold on potentially slippery and uneven terrain (hiking-specific footwear is ideal). Ankle injuries and falls may also be avoided by wearing proper hiking shoes (and when you may have less leg strength and overall stability). To avoid blisters, these shoes should have been worn in for some time. Wear suitable clothing and bring plenty of fluids and food (even if you don't believe you'll be outdoors for long). Wear sunscreen even on overcast days to protect yourself from the sun's harmful rays. Use a map or an app on your smartphone to get a sense of your intended path. Even better, trek with a buddy to make the experience more pleasurable and strengthen your sense of community (which is also important for positive mental health). Having someone know where you'll be trekking in the event of an emergency is also essential. Tell us where you're going, how long you estimate it to take you, and when you plan to be back.Try it Out!
When you're on a hiking trip, take a minute to disconnect from technology and concentrate your attention on your surroundings, which may help bring you a sense of calm into your day.
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lrgarden
2022-07-26
The Circuit
You have 30 seconds to complete each exercise with the most repetitions or distance possible. After the 30 seconds are over, pause for 10-15 seconds before starting the following activity. Continue until you have finished all seven moves. Before moving on to the next round after finishing each round (all seven exercises), take a one- to three-minute break. 1. Grizzly Crawl (go for maximum distance and mix it up by going backwards at the 15-second mark to get back to the start) 2. Different Legs Push Off (find a step, set of stairs or an elevated surface like a rock to perform this on) 3. Push-ups (modify to a bent knee push-up like this one) 4. Elevated glute bridge bicycle crunches (body weight may be tough enough; no need for weights) 5. Rotation of the high plank T-spine (modify to your knees) 6. Walking Lunges (continue walking; this round is nearly over!) Before repeating this sequence for three to four rounds, take a one to three minute break.Plyo Power
This exercise may be added to the previous circuit for an added difficulty or used as a cardio warm-up before a strength exercise of your choosing. This exercise contains advanced motions that need greater full-body force, so make sure you warm up correctly. Perform as many repetitions as you can for 15 seconds for each exercise. After the 15 seconds are over, take a 10- to 15-second break before starting the subsequent activity. Depending on how tired you are, repeat this set of motions three to four times. 1. Straight-ahead jumps 2. Alpine Climbers 3. The toes (tap onto a stair, step or a stable rock) 4. Jump and Reach After taking a minimum of a minute's rest, repeat this sequence three to four more times. You have at least one minute of recovery coming up between rounds, so try to be as intense as you can during each action throughout these workouts. After completing these exercises, be sure to perform some light walking to get your heart rate down to a recovery zone before you lay down to rest. Keeping your body active is one of the finest things you can do for your general health. So invite your buddies to join you for this exercise in the park by grabbing them metaphorically, not practically.
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lrgarden
2022-07-26
The Risk
It no longer falls on me to provide a precise number, especially when it comes to my current salary (Keep in mind that in some cities and states, it's actually against the law to even inquire about someone's current salary during the interview process). Instead, asking the company what salary range they have budgeted flips the script while giving me useful insight into the company and interviewer. The cost of living is continually growing, thus your wage should too, even if your present compensation is an excellent starting point for a desired pay range. I didn't inquire about the firms' allocated compensation range when I initially started working there. Before accepting the offer for my first job out of college, I didn't engage in any negotiations at all, but looking back, I wish I had. I placed myself in a situation where I may leave money on the table by failing to inquire what the budget each firm was given. I just costed myself at least $15,000 if I went into an interview and told the hiring manager I'm looking for a post that pays $50,000 to $60,000 but the organization's budget is $75,000 instead. On the other hand, if I request a six-figure salary but the company is only willing to pay up to $75,000, I need to have an open and sincere discussion with myself about my value, my personal budget, a potential pay cut, and any additional benefits that might help to close the gap between my expectations and the budgeted reality. When you ask a recruiting manager what they are working with, there are two possible responses: they may either inform you or give it back to you. The first scenario is clearly desirable and might serve as a positive sign that the business is up forward, truthful, and acting in good faith. You have a choice if an interviewer dodges the question or offers a nebulous response such, "It depends on the applicant." You have two options for your response: you can postpone it with a statement like "I'd love to learn more about the job before choosing a suitable wage," or you may provide a range that actually fits your needs, which involves a little more effort on your part. You should go into every level of an interview knowing your value and what you're willing to give up. It can be worth taking a wage reduction and rearranging your present budget for a dream job with excellent perks and a clear route to your professional ambitions. But whether you're trying to save money for a certain purpose or are just trying to pay your rent, you may have to pass up an opportunity if it doesn't fit your criteria. You must decide where your ultimate wage range falls, even if I personally strongly support pushing for a higher compensation. The worst they can say is no; the only risk is the money you stand to lose.The Benefit
While it could take some getting used to, it is definitely worthwhile to ask about the wage range during an interview. If a hiring manager is honest with you and tells you the wage range they're working with, you'll have all the information you need to decide whether to accept the offered range, negotiate your offer, or stop the interview process if the firm can't provide you what you're looking for. In one specific interview, I inquired about the pay budget early on, and the interviewer offered me a range of figures that, although generally a little lower than I had expected, I could still work with the higher end. I made the decision to go through with the recruiting process, and I ultimately received an offer that was at the absolute bottom of the range I was aware the company had to work with. With this knowledge and a better understanding of my value, I grabbed the chance to push for more and successfully negotiated a higher wage. You won't run the danger of leaving money on the table if you have the whole picture. As the saying goes, "ask and you shall get," but how can you ask the correct questions about your career or yourself if you don't know what you're dealing with? I don't really want to consider the many thousands of dollars I could have overlooked in prior positions, but it has been beneficial to learn from past errors. Never be hesitant to ask questions other than compensation while preparing for an interview. Yes, they are evaluating you to see whether you would be a good match for the team and culture of the organization. However, the job search is a two-way street, and you deserve a position that meets your demands, both material and non-material.
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lrgarden
2022-07-26
Practice mindfulness each day.
Don't just speak the talk; walk the walk, as they say in the ancient phrase. You must include regular mindfulness practices into your life if you want to link mindfulness with money. Meditation, deep breathing, journaling, and reading spiritual health books like You Can Heal Your Life by Louise L. Hay or The Book of Awakening by Mark Nepo are a few examples of these techniques. Applying the principles of mindfulness to finances will be much simpler if you regularly practice mindfulness. This will enable you to open yourself up to all it has to offer, including insight into yourself, behavioral patterns, clarity on situations and your beliefs surrounding them, and a whole lot of self-growth. Beginners should start with writing and deep breathing techniques before progressing to meditation and journaling. Don't be afraid to delve deeply when you're writing in your journal since it's a fantastic method to learn more about yourself. You may want to have a look at a book on spiritual wellbeing if you want to learn about mindfulness from a different angle. These books often include activities for the readers at the conclusion of each chapter, which is a fantastic way to push oneself intellectually. To begin started, you might also think about using a health app like Headspace or BetterSleep or a guided meditation by a wise person like Tara Brach. It's important to keep in mind that different people respond better to different mindfulness routines and practices, so allow yourself time to try them all out and be open to combining various elements to discover what works best for you.Sit down and discuss money in an open and sincere manner.
Rumi, an ancient Persian poet, utilizes the metaphor of your body, mind, and spirit as the guest home for emotions to enter in his poem "The Guest House." Rumi invites us to bring in these feelings—whatever they may be—and take the time to sit and chat with them in the same manner that you would a friend, neighbor, or family instead of becoming upset, putting them down, or pushing them away. You may eventually wish them farewell and go your own ways after a time. This similar concept may be used to address the subject of money. Set aside some time to have an open dialogue with yourself about money. Invite it in for a cup of coffee or a glass of wine, and attempt to uncover any sentiments or assumptions you may have about it. Even though this could be challenging, tackling it head-on will help you see how you might or might not be preventing yourself from manifesting financial success. Work through and come to terms with your emotions; if necessary, write about them in a diary. In order to link mindfulness and money and to have a better connection with it, which will result in financial success, it is essential to develop this self-awareness.Be honest with yourself about your financial condition and your goals for it.
Practicing mindfulness does not entail having a rose-colored perspective on reality. It entails being present with oneself and all of your feelings, whether positive and negative, and addressing them without criticizing or shaming yourself. It's important to face reality rather than maintain a false sense of security, so it's time to be honest about your present financial condition and your goals for improving it. Maybe your financial condition isn't what you expected it to be at your age, but does anyone's life ever actually go according to plan? Avoid dwelling on the past or making a long list of what you would have done differently if you had the opportunity. Instead, consider the lessons you've picked up along the journey and how you may use them to make improvements to your present circumstances moving ahead. Examining your finances and your mentality in this manner is incredibly conscientious. Break old habits that are no longer helpful to you—repeating unsuccessful behavior will only prevent you from achieving success—and replace them with new ones that will help you reach your financial objectives.Make the commitment to be more frugal with your money.
Even if self-awareness is a natural byproduct of mindfulness, you should still make a commitment to yourself to be more attentive of your expenditures. Your financial awareness will develop and you'll be able to make wiser financial decisions if you hold yourself responsible and keep track of when and how much you spend. Additionally, it's an excellent strategy to stop making those wasteful impulsive purchases that we've all engaged in at one time or another. The creation of a budgeting plan and the monitoring of your funds are two excellent approaches to increase your awareness of your expenditures. By keeping track of your spending, you'll be able to see where and how much of your money is spent, as well as get better understanding of your spending habits and potential savings opportunities. Having a predetermined spending strategy to adhere to may be the smart choice for individuals who have trouble conserving money or are prone to making impulsive expenditures. You might also try concentrating on spending your "fun" money on significant purchases that will leave enduring memories (think: nice dinner, vacation, etc.).Stop worrying
More often than not, trying to control or grasp onto things too tightly backfires because all you're doing is closing off the door to bigger and greater things. Choose to stop worrying about money and let go of the past. Obviously, you need to ensure that you have enough to survive, but try not to let money control your life. There comes a moment when we must say farewell to certain things, as the poetry "The Guest House" explains. Even though it could be challenging, letting go and making room for something greater and larger to enter your life can be tremendously liberating and uplifting. Implement all of the aforementioned advice into your everyday life while having faith in your ability to manage money. Everything in life takes time, and when you're ready, the appropriate riches will come your way. Always keep in mind that what is intended for you will find a way. Make sure you're positioning yourself on a deliberate, purposeful, and a ton of fun route to financial success till then.
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lrgarden
2022-07-25
1. Make a financial inventory
The first step in making sure you have enough money for the summer is figuring out what you have to work with. Take stock of your present financial status by calculating your overall living expenditures, any debt you're paying down, and the amount you're saving or investing in a savings or investment account. Once you've calculated that amount, deduct it from your monthly take-home pay. A rough estimate of how much money you'll have to spend this summer is provided. As a last step, take a look at your spending habits by examining your credit card statements, bank accounts, and receipts. You'll be able to see exactly where your money is going with these charts, and you can then utilize that information to devise new strategies for spending it wisely this summer.2. Begin making tiny lifestyle adjustments today
Find ways to reduce your spending and save money for the time being by reviewing your costs. As a bookworm, take use of your local library; you may borrow almost every book ever written, save hundreds of dollars, and see your tax money at work. Most libraries now provide e-books and audio books in addition to their traditional paperbacks and hardcovers. You'll be able to go out on the town more often if you make tiny modifications now and throughout the summer. Even something as easy as giving up your gym membership in favor of walking or running may have a significant impact, as can cutting down on eating out in favor of preparing more of your meals at home.3. Keeping tabs on your money and debt repayments is a good habit to get into
If you don't want to have to go into your emergency fund to pay for your summer vacation, now is the time to figure out how much you have saved. From there, establish a ceiling (say, $8k) below which you will not spend any of your savings. It's not necessary for you to meet your baseline, but having one will assist guarantee that you're making regular contributions to your savings and not wasting that money on unnecessary purchases. Whatever amount you choose, be sure it's enough to cover three to six months' worth of costs in the event of an unexpected emergency. It may be tough to sleep at night with debt hovering over you, so if there is any little debt you can pay off today, do so to ease some of that stress and allow for greater flexibility in your spending. If you have a lot of debt to pay off, a debt payment software may help you get your finances in order before the summer months arrive. When it comes to paying off credit card debt, Tally is the best choice, while ChangEd is the best alternative for individuals with student loan debt. As you can see from these two instances, it's critical that you do your homework and study before joining up for anything.4. Take a spending fast
Spending cleanses may be a great way to strengthen your budgeting abilities and save up some more money before summer. Do not spend money on anything except basics at this period. A spending detox is a great technique to drive yourself to develop better monetary habits without even realizing it. Unnecessary purchases will be brought to your attention as a result of this exercise. This is a win-win situation for everyone involved.5. Take a look at the notes you've made thus far.
For example, birthdays, cookouts, weddings, showers, and so on and so forth are all examples of future events and festivities. Doing this ahead of time can help you avoid any last-minute financial shocks and make budgeting your summer budget a lot simpler. A general estimate of how much each event will cost may be calculated once you know what you have scheduled. What are the upcoming occasions for which you'll need to purchase presents, and how much money do you have to spend? What are the costs of food and beverages at any gatherings you plan to attend? Organizing your finances now will make budgeting simpler and offer you a clearer understanding of what you'll need to spend in the long run.6. Replace your previous summer budget with a new one.
In the same way that trends in beauty and fashion are always changing, so are finances. Once you've accomplished the aforementioned stages, you're ready to start working on your summer budget. Budgeting apps like Goodbudget and Mint may be used to replace your present system or you can do it manually using a spreadsheet or template. The following are essentials to include in your summer budget: 1. sufficient funds to cover day-to-day costs of life 2. Efforts to save money and pay off debt 3. The expenditures of any upcoming festivities or events that are being planned. 4. A little sum that may be set aside for unanticipated events, like as a night out on the town.7. Make a vision board for your summertime activities.
Create a vision board with fun, low-cost summer activities to help you manifest the summer of your dreams. In the summertime, look for any scheduled summer activities in your area or in any neighboring towns to see if there are any that you can attend. Quite a few of these sorts of gatherings are either free or very low in cost. You may also get into the summer vibe by visiting public beaches, parks, or hiking trails. However, despite the pleasant weather, you don't have to be out and about all the time. As a matter of fact, there are several methods to truly enjoy the summer from the comfort of your home. There is nothing more soothing than spending time in one's own home during this season. The weather is warming up, and it's the perfect time to bring out the charcuterie board and a bottle of rosé. Watch the sun set with a bottle of champagne and some pizza, or go stargazing with your special someone. As long as the weather is good, there are many possibilities. Creating a summer vision board full of exciting and budget-friendly activities and ideas can help you avoid overpaying and offer you a resource to go to for inspiration all season long. Let your hair down and have fun with your ideas throughout the summer, when you're more likely to be careless and carefree. Don't forget that having a great time and creating lasting memories don't have to come at a financial expense.
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