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‘If you earn $200,000 or less,’ use the 1% spending rule to save money, says finance expert—here’s how it works

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When you spend too much, a sense of shame or regret can overwhelm you — and even hold you back from your financial goals. On the other hand, not spending on the things or experiences that bring you joy can cause a sense of deprivation.

So how do you find the right balance?

As a financial analyst and host of the podcast Popcorn Finance, I get to hear about the creative strategies people use to curb their spending. One of my favorites comes from Glen James, who hosts one of Australia’s top finance podcasts, My Millennial Money.

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https://image.cnbcfm.com/api/v1/image/106901715-1624479358432-money-personal-finance_t20_LJPo4z.jpg?v=1624479494&w=740&h=416Musiena | Twenty20

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Click the link below for the article:

https://www.cnbc.com/2021/06/24/use-the-1-percent-rule-to-control-spending-and-save-money-says-finance-expert.html?utm_source=pocket_discover

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Online Dating Is Changing the Nature of Society

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Not so long ago, nobody met a partner online. Then, in the 1990s, came the first dating websites.

Match.com went live in 1995. A new wave of dating websites, such as OkCupid, emerged in the early 2000s. And the 2012 arrival of Tinder changed dating even further. Today, more than one-third of marriages start online.

Clearly, these sites have had a huge impact on dating behavior. But evidence is emerging that their effect is much more profound.

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GettyImages-166085866.jpgPhoto by Atomic Imagery / Getty Images.

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Click the link below for the article:

https://getpocket.com/explore/item/first-evidence-that-online-dating-is-changing-the-nature-of-society?utm_source=pocket_discover

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Are microplastics accumulating in your body?

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Those tiny little pieces of plastic get into our bodies and circulate everywhere, which affects our health in many ways. 

They can impact our immune system, our digestive system, our endocrine system, and more…

Why do we have microplastics in our bodies?

You probably already know this… our oceans are full of plastic! 

By the year 2050, the World Economic Forum thinks that our oceans will contain more plastic than fish… that’s pretty sad!

The plastic disintegrates and the fish eat the microplastics… and we eat the fish!

But microplastics don’t only come from the fish we eat, we also get them from the water we drink and the air we breathe…

A recent study by the Environment Agency Austria estimated that more than half of the world population may have microplastics in their stools.

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microplastics

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Click the link below for the article:

https://omdetox.com

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Zagreb, Croatia

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Zagreb is the capital and largest city of Croatia. It is in the northwest of the country, along the Sava river, at the southern slopes of the Medvednica mountain. Zagreb lies at an elevation of approximately 122 m (400 ft) above sea level. The estimated population of the city in 2018 was 804,507. The population of the Zagreb urban agglomeration is 1,153,255, approximately a quarter of the total population of Croatia.

Zagreb is a city with a rich history dating from Roman times. The oldest settlement in the vicinity of the city was the Roman Andautonia, in today’s Ščitarjevo. The name “Zagreb” is recorded in 1134, in reference to the foundation of the settlement at Kaptol in 1094. Zagreb became a free royal city in 1242. In 1851 Zagreb had its first mayor, Janko Kamauf.

Zagreb has special status as a Croatian administrative division and is a consolidated city-county (but separated from Zagreb County), and is administratively subdivided into 17 city districts. Most of them are at a low elevation along the river Sava valley, whereas northern and northeastern city districts, such as Podsljeme and Sesvete districts are situated in the foothills of the Medvednica mountain, making the city’s geographical image rather diverse. The city extends over 30 kilometers (19 miles) east-west and around 20 kilometers (12 miles) north-south.

Zagreb is considered a global city with a Beta rating from the Globalization and World Cities Research Network. Wikipedia

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An image from Zagreb, Croatia

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Zagreb, Croatia – Bing images

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Meet the typical 40-year-old millennial, who has $128,000 in debt, is not nearly as wealthy as their parents were, and is known as ‘geriatric’

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The oldest millennials enter middle age this year.

The generation is now aged between 25 and 40, according to the Pew Research Center’s definition.

Yes, like everyone, millennials are aging, but it’s a hard concept to grasp when the media narrative has painted millennials as young, frivolous 20-somethings who love selfies and can’t afford anything because they spend too much money on avocado toast.

It’s an inaccurate picture of the generation, which has been shaped by technological advancements and a broken economy. But the typical 40-year-old millennial especially doesn’t quite align with this image. Many feel they embody some characteristics of both Gen X and millennials, having experience with both analog and digital worlds.

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https://i.insider.com/5fb54242e74fa70018b831fe?width=1000&format=jpeg&auto=webpThe oldest millennials turn 40 this year. Gotham/Getty Images

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Click the link below for the article:

https://www.businessinsider.com/typical-40-year-old-oldest-millennials-debt-net-worth-earnings-2021-7?utm_source=pocket_discover

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The online data that’s being deleted

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How would you adjust your efforts to preserve digital data that belongs to you – emails, text messages, photos, and documents – if you knew it would soon get wiped in a series of devastating electrical storms?

That’s the future catastrophe imagined by Susan Donovan, a high school teacher and science fiction writer based in New York. In her self-published story New York Hypogeographies, she describes a future in which vast amounts of data get deleted thanks to electrical disturbances in the year 2250.

In the years afterward, archaeologists comb through ruined city apartments looking for artifacts from the past – the early 2000s.

“I was thinking about, ‘How would it change people going through an event where all of your digital stuff is just gone?’” she says.

In her story, the catastrophic data loss is not a world-ending event. But it is a hugely disruptive one. And it prompts a change in how people preserve important data. The storms bring a renaissance of printing, Donovan writes. But people are also left wondering how to store things that can’t be printed – augmented reality games, for instance.

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https://ychef.files.bbci.co.uk/1600x900/p09phrdn.webp

By Chris Baraniuk15th July 2021

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Click the link below for the article:

https://www.bbc.com/future/article/20210715-the-online-data-thats-being-deleted?utm_source=pocket_discover

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Ubud Bali Scenery

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Ubud is a town on the Indonesian island of Bali in Ubud District, located amongst rice paddies and steep ravines in the central foothills of the Gianyar regency. Promoted as an arts and culture center, it has developed large tourism industry.

Ubud, often mistaken for a small city, is an administrative district (kecamatan) with a population of 74,800 (as of the 2020 Census) in an area of 42.38 km2. The central area of Ubud desa (village) has a population of 11,971 and an area of 6.76 km2, and receives more than 3 million foreign tourists each year. The area surrounding the town is made up of small farms, rice paddies, agroforestry plantations, and tourist accommodations. As of 2018, more tourists visited Ubud than Denpasar in southern Bali.

Eighth-century legend tells of a Javanese priest, Rsi Markendya, who meditated at the confluence of two rivers (an auspicious site for Hindus) at the Ubud locality of Campuhan. Here he founded the Gunung Lebah Temple on the valley floor, the site of which remains a pilgrim destination.

The town was originally important as a source of medicinal herbs and plants; Ubud gets its name from the Balinese word ubad (medicine).

In the late nineteenth century, Ubud became the seat of feudal lords who owed their allegiance to the king of Gianyar, at one time the most powerful of Bali’s southern states. The lords were members of the Balinese Kshatriya caste of Suk and were significant supporters of the village’s increasingly renowned arts scene. Wikipedia

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An image from Ubud Bali scenery

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Click the link below for images:

https://www.bing.com/images/search?q=ubud+bali+scenery&go=Search&qs=ds&form=QBIR&qft=+filterui%3Aphoto-photo&first=1&tsc=ImageBasicHover

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5 No-Brainer Stocks to Invest $200 in Right Now

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Key Points

  • It’s always an opportune time for long-term investors to put money to work in the stock market.

Where should you invest $1,000 right now?

This past week, the broad-based S&P 500 hit a fresh all-time closing high, which has been a common theme for the widely followed index this year.

But just because the benchmark index is higher now than at any point in its storied history doesn’t mean it’s not an opportune time to put money to work in the market. History has shown time and again that growth in operating earnings pushes the valuation of high-quality companies higher over time. In other words, even though stock market corrections happen frequently, they’re inconsequential to the gains investors can generate from buying and holding great companies.

If you have $200 in cash ready to put to work, which won’t be needed to cover bills or an emergency, the following five stocks are no-brainer buys that you can invest in right now.

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https://g.foolcdn.com/image/?url=https%3A//g.foolcdn.com/editorial/images/637486/two-hundred-dollars-cash-money-invest-retire-stocks-getty.jpg&w=2000&op=resizeImage source: Getty Images.

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Click the link below for the article:

https://www.fool.com/investing/2021/08/09/5-no-brainer-stocks-to-invest-200-in-right-now/?utm_source=pocket_discover

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Turn off, turn on: Simple step can thwart top phone hackers

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As a member of the secretive Senate Intelligence Committee, Sen. Angus King has reason to worry about hackers. At a briefing by security staff this year, he said he got some advice on how to help keep his cellphone secure.

Step One: Turn off phone.

Step Two: Turn it back on.

That’s it. At a time of widespread digital insecurity, it turns out that the oldest and simplest computer fix there is — turning a device off then back on again — can thwart hackers from stealing information from smartphones.

Regularly rebooting phones won’t stop the army of cybercriminals or spy-for-hire firms that have sowed chaos and doubt about the ability to keep any information safe and private in our digital lives. But it can make even the most sophisticated hackers work harder to maintain access and steal data from a phone.

“This is all about imposing cost on these malicious actors,” said Neal Ziring, technical director of the National Security Agency’s cybersecurity directorate.

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FILE - In this Feb. 17, 2016, file photo an iPhone is seen in Washington. At a time of widespread digital insecurity it turns out that the oldest and simplest computer fix there is — turning a device off then back on again — can thwart hackers from stealing information from smartphones. (AP Photo/Carolyn Kaster, File)FILE – In this Feb. 17, 2016, file photo an iPhone is seen in Washington. At a time of widespread digital insecurity, it turns out that the oldest and simplest computer fix there is — turning a device off then back on again — can thwart hackers from stealing information from smartphones. (AP Photo/Carolyn Kaster, File)

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Click the link below for the article:

https://apnews.com/article/technology-government-and-politics-hacking-752db867fafbaba1f9cc34f7588944c5?utm_source=pocket_discover

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Zadar, Croatia

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Zadar is the oldest continuously inhabited Croatian city. It is situated on the Adriatic Sea, at the northwestern part of Ravni Kotari region. Zadar serves as the seat of Zadar County and of the wider northern Dalmatian region. The city proper covers 25 km2 (9.7 sq mi) with a population of 75,082 in 2011, making it the second-largest city of the region of Dalmatia and the fifth-largest city in the country.

The area of present-day Zadar traces its earliest evidence of human life from the late Stone Age, while numerous settlements date as early as the Neolithic. Before the Illyrians, an ancient Mediterranean people of an Indo-European culture inhabited the area. Zadar traces its origin to its 9th-century BC founding as a settlement of the Illyrian tribe of Liburnians known as Iader.

In 59 BC it was renamed Iadera when it became a Roman municipium. In 48 BC it became a Roman colonia. During Roman rule, Zadar acquired the characteristics of a traditional Ancient Roman city with a regular road network, a public square (forum), and an elevated capitolium with a temple.

After the fall of the Western Roman Empire in 476 and the destruction of Salona by the Avars and Croats in 614, Zadar became the capital of the Byzantine theme of Dalmatia. In the beginning of the 9th century, Zadar came briefly under Frankish rule, but the Pax Nicephori returned it to the Byzantines in 812. The first Croatian rulers gained brief control over the city in 10th century. In 998 Zadar swore allegiance to Doge Pietro Orseolo II and became a vassal of the Republic of Venice. In 1186 it placed itself under the protection of Béla III, King of Hungary and Croatia. Wikipedia

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An image from Zadar, Croatia

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Zadar, Croatia – Bing images

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