Your life and health is constantly changing. One week you may need more sleep, another week you may need more exercise. This should be re-evaluated frequently rather than just memorizing one solution. Your metrics can help use your time most efficiently.

Generally, you should spend 3-5% of your income on your health, reinvesting in your body and mind.

Meal GradesProtein totalFiber totalSugar totalFasting timeCalories inTotal StepsMood LevelsStress & CortisolSleep TimingPlaces visitedWalking timeDriving time

Short Term (Review Daily)There are many actionable and changing metrics that you can check about yourself daily. You can start with reviewing your previous day’s report in the morning, and then keep an eye on your stats throughout the day to manage them directly.

However, they can’t be changed in a day. So can you still make it happen? Instead of just giving up or say it is impossible, you can try looking at all the leading and lagging indicators to make sure you are on track.

Can you accidentally get results even without tracking data or understanding why it is happening? Yes, sometimes. However, it is harder to maintain.Skipping this step can lead to dangerous superstitions and ignorance about how to manage your own health. With more data and history to review, you can validate your theories to question your assumptions and constantly improve your mental models.

tools can help you get a lot further with your health. With the right tools set up, you may be able to get everything done with 10-20 minutes a day, while otherwise your health could take many hours a day or get ignored entirely.

Using data in your life is simple. There are just three steps: Track → Understand → Improve. Many people get stuck at step 1, but this is a powerful loop once started.

What they do in IkariaNutrition: Greek orthodox culture has periods of fasting for religious reasons, which could promote longevity increases through calorie restriction *What they do in SardiniaActivity: Living a lifestyle with a lot of farming and walking along mountains

What they do in OkinawaActivity: They do frequent gardening, which helps stay activeNutrition: A culture of generally eating to 80% fullness, which could result in consistent calorie restriction *Wellness: Lifelong friend group called “moai”What they do in NicoyaNutrition: Diet higher in fresh meats, nixtamalization of tortillasWellness: Strong sense of life purpose *

Ways to improve your emotional state and reduce stress...Meditation and breathworkPhysical exerciseTherapySocial connections

mental health plays a large impact on our physical health. Tracking your mind is therefore one of the most important datapoints, and one that you can start to do within Gyroscope.Once you start to have a good awareness of your mood state and how your energy levels, wellness, anxiety and other metrics shift over time, it is time to start making improvements.

Some people who are in great shape go as low as 40 bpm every night, while others who are overweight or metabolically unhealthy could struggle to get below 80 or 90.

There is a remarkable correlation between resting HR and lifespan. Increased HR is universally associated with greater risk of death. Lower levels around 40-50bpm are optimal, while the risk of mortality increases 30% to 50% for every 20 beats/min increase at rest.

Maintaining slow-wave sleep and setting a regular sleep schedule seems to be the most helpful tip for better sleep

Why is sleep important? Sleep is where our body and mind can recover and prepare themselves for another day’s work. Without enough sleep, important maintenance gets skipped, and eventually this damage causes health issues.Good sleep is not simply getting a certain number of hours with your eyes closed, but also depends on the alignment with your circadian rhythm (sleeping at the same time all your cellular clocks are expecting sleep) and getting high-quality sleep free from disturbances, with low resting heart rate.

Does this mean you need your life to be perfect, and that nothing can go wrong in your work or relationships? Not at all. Everyone faces stress and problems in life, but the main factor here is how we manage that stress. Tools like exercise, meditation, breathwork, therapy and other ways of resetting the chronic stress response are essential here.Stress also reduces self-control, which can lead to other harmful health behaviors such as smoking, addiction relapse, lack of exercise, unhealthy eating, and more. *, *, *Stress decreases your ability to regulate emotions, making it harder to self-regulate and adapt, putting a strain on meaningful relationships (a major determinant of living a long, healthy life).

Stress-related inflammation is a major factor in aging and developing aging-related diseases such as Alzheimer’s disease, cognitive decline, late-life depression, and even insomnia.

Unfortunately, these days it is quite easy to never leave the house, or only accumulate a few dozen steps going from your couch to your fridge and back. Conveniences like food delivery, ride-sharing, and working from home can save a lot of time and energy, but can also make it dangerously convenient to fall into a sedentary lifestyle. *, *While only walking 10,000 steps every day will not make you live longer or fix all your problems, moving frequently every day is an essential part for your physiology, especially your muscular systems.

Being sedentary is associated with a shorter life span. Taking more steps per day is generally better for your health. Studies show the benefit in terms of mortality risk levels are between 6,000 to 8,000 for older adults and 8,000 to 10,000 for younger adults.

what is a dump company – also referred to as a corporate beneficiary or non-trading investment company.

Then, as you move through the final stages of interview, you can highlight your target salary. Support your case with facts to increase your chance of getting what you’ve asked for. “You may like to share what you are currently on. You can include other work perks that have a monetary value (such as car or training allowance) the best thing to do is focus on the skills and experience you bring to the table in line with the requirements and challenges of the role,”

think about the entire salary package and consider what else is important to you. For example, besides the dollars, do you value flexibility, additional paid leave entitlements, L&D opportunities, or a bonus plan? These factors could alter the salary you accept, so find out what’s on offer. Additionally, if you can’t secure your ideal compensation, you can discuss a sign-on bonus or salary review in six months – this might help bridge the gap.

If you haven’t had a chance to do your research, request more time: You can say, “I would like to learn more about the role and my fit to the requirements before I confirm if that’s OK.”You could also flip the question and ask, “Can you tell me more about this opportunity and the salary budgeted?

If you are looking for a new job, the question: “what are your salary expectations” will invariably come up. It’s typically asked at the start of the hiring process to ensure you and the employer aren’t wasting time if your salary expectations are way off the budget for the role.

discuss how franking credits (aka imputation credits) work and how integral they are when it comes to tax planning including: ·      Their aim is to avoids double taxation. ·      Provides you with a tax offset so it’s important to keep track of your Company’s franking account.·      Sometimes paying tax sooner, so you can pay a franked dividend can reduce your overall tax. ·      Distribution/dividend strategy - streaming franking credits to beneficiaries or shareholders with low taxable income and to receive a tax refund. 

discuss whether becoming self-employed helps you reduce the amount of income tax you pay. We discuss:   The Personal Services Income (PSI) rules and how they apply.  Flexibility to distribute business income to multiple people.  Minimising any eventual capital gain if/when you sell the property.

And left unquestioned, schools systematically destroy kids’ interest in learning, creativity, play, expansion, growth, and thinking for themselves.Allow your children to follow the things that light them up. That energy can last a lifetime.

But if you're running on the credential treadmill just to have something to brag about at cocktail parties, your kid will always be a slave to someone else’s standards. "That's a world devoid of play (which, remember, is the source from which greatness stems). Since at least 1900, we've been fed propaganda that doing well in traditional school is like eating your broccoli: Good for you in the long term. So, we put up with wasting our kids’ entire childhood. And we get into races with each other and become obsessed with wasting those childhoods faster, all in the name of getting a higher test score – but to what end?

If your child wants to chase a  career that requires credentials, that’s okay too. But seek to attain them for a specific end–don’t just jump on the treadmill for no reason.If your son wants to be a marine biologist, for example, he'll have to learn to deal with bureaucracy and credentialism

You don’t have to pull them out of whatever school they’re in. Not right away, anyway.Life will always be partly about making the best of what we don’t want to do. Help your kid learn to deal with the people who want to limit them. That skill never goes away.

Agreeableness. The kids who fare best in school demonstrate willingness to follow arbitrary rules. Agreeable kids are very nice, but they’re unlikely to challenge norms. Droves of (agreeable) women quit high-end law firms in their early 30s. For their whole lives, they followed the rules, aced all the tests – only to discover they didn’t like where they ended up. In other words, the eventual outcomes of traditional schools are counterproductive, even for the most successful students.

The internet is a fundamental shift in humanity. We are no longer starved of information–we are drowning in it. Kids need tools to reject most of the information that comes their way. Here are a few mental models to help kids figure out what's worth paying attention to (and what thinking is faulty):80/20 rule (Pareto principle)Occam’s razorFirst principleSecond-order thinkingSunk costFormal logicEthicsWith just a few YouTube videos on each principle (done over as little as a week) and some practice, our kids will understand that 99% of information can be safely ignored. That frees them up to think about their future.

Like a GPS, we must know our present location to plan a route forward. Children need the wisdom of the past to guide their future, even if it's just the broad strokes. You can watch a few videos to get the gist of your shared history, take a short course for an overview, then dive deeper into the places that interest you and your kid. Don’t fall into the traditional school model–you don’t need to study dates and surnames for eight hours a day. A little context, and some meaningful conversation, go a long way. 

kids need to know where Western shared norms and ideas come from. Why are they important? What hell would break loose if they suddenly went away?Every kid has interests. Use those to guide them.

1. Where they come from (history, philosophy)“Those who do not understand history are doomed to repeat it.” Kids need to understand the context of their experiences. Without that, they are lost.

people with an extreme fear of heights may depend more heavily on visual input for balance control than other people who can use physical sensations as well as visual input to keep their balance. As a result, they may feel especially unstable when standing at an elevation, triggering a fear response.

Heights and balance While standing upright, the brain uses visual input from nearby objects to make tiny postural adjustments that help maintain balance. However, when standing at a high elevation relative to their surroundings — like at the edge of a tall building — most people feel somewhat off balance. This is because visual input from nearby objects is lacking, and the objects in view are too far away for the brain to use for balance control.

no doubt because there is an ageing population – James Green said: “We expect a significant surge in the number of people seeking to reduce the inheritance tax burden by exploring international options to protect their real wealth, including transferring their retirement funds outside the UK.”

“It’s impacting more and more middle-class families whose main asset is their family home,” he said. He added that leaving a legacy to loved ones “is a very human instinct” and people feel “especially aggrieved by this form of tax [IHT] because it is, in effect, a form of double taxation as tax is being paid on assets which have already been paid for and previously taxed.”

the extension of a freeze in the inheritance tax ‘nil-rate band’ from 2025-26 to 2027-28, a move that would raise at least half a billion pounds for the Treasury,

more people will consider moving their assets, including their pensions, outside the UK.

he current government is disincentivising people to start their own businesses:  “After the financial damage of the pandemic, exclusion from support, the changes to IR35 taxation, the recent tax hike on dividends and the impending corporation tax hike, this latest attack is further salt in the wound for anyone working through their own company.” “The government is making it harder and harder for those who work for themselves. Of course, we need to raise tax to pay for vital public services, but time and again it seems our very smallest businesses are the first targets. “We’ve already seen the number of self-employed fall dramatically since the pandemic – the government seems intent on reducing that number further. By slashing the dividend allowance, the government has once again demonstrated that it does not support small business.”

it is also worth pointing out that some of Australia’s largest companies also have a vested interest in rising property prices. And these companies have strong lobbying power. Of course, I’m talking about the big four banks. The banks make most of their profit from retail banking (mostly driven by home lending) e.g., CBA’s latest results show retail banking accounts for circa 50% of its total profit. Whilst the banks need a robust property market that is not overheated, they make a lot of money from new lending and new lending drives prices higher.

most politicians invest in property. According to Crickey, 227 federal politicians own 510 properties. Of these, 84 (37%) own three or more properties. If you believe that most politicians are driven/influenced by self-interest, then you must believe that it’s less likely that governments will make changes that would adversely impact the benefits from investing in property.

If the government was serious about tackling housing affordability, isn’t cutting taxes a good place to start (e.g., they could provide new home buyers with a tax credit to offset its cost)? Taxes flow through to the end user If property developers must pay higher fees, they will usually pass on this cost to the purchaser by charging a higher price. Investors will seek to pass on higher costs onto renters when the market allows. The point is the end user, whether that’s a renter or home buyer, they will ultimately pay, making house less affordable.

the most effective way to improve housing affordability is to increase the supply of new dwellings. Building restrictions, draconian planning approvals and limited land releases are the antithesis of housing affordability. But of course, new housing needs to be affordable too. Many economists have studied the impact of government taxes on the cost of new houses and these reports suggest that government taxes and charges contribute approximately 30% to the total cost of building new houses.

States want more property transactions to generate more tax revenue Land tax revenue is driven by land valuations undertaken by the Valuer-General in each jurisdiction. Rising property prices drive more taxation revenue. For example, over the past 13 years, Victoria’s land tax revenue receipts have grown 10.9% p.a. compounding, which exceeds the growth in the median house price.

Transfer duty is driven by the volume and value of property sales.

State government tax revenue is highly dependent on property Australian states and territories generate two main taxation revenue streams from property, being stamp duty (i.e., transfer duty payable when a property is sold) and land tax. These two property taxes generate a lot of tax revenue for the states. In fact, for most states, property taxes are the single largest source of taxation revenue. For example:  VIC: budgeted property revenue of $14 billion which accounts for 46.5% of the state’s total taxation revenue.

Developing a content pipeline is essential to maintaining a steady pace of production.

There’s more to writing than just writing To be able to hit the ground running every day for an extended period, you’ll need a system – a way of capturing ideas, outlining them and getting them ready for drafting. Prolific writers are efficient.

Writing daily also reinforces your identity. Writing no longer is something that you think about. It becomes something you do.

Write every day Writing is a practice. If you do it every day, you will build momentum and create a habit. You don’t have to write 1,000 words every day. Be flexible with your daily goal.

if you have a full-time nine to five job, it will take you about four years to clock in 8,000 hours for your employer. My point is this: you don’t have to write 10 hours a day every day for the rest of your life to be prolific. Prolific writers work at a steady, sustainable pace. Day after day, they put in the work — a couple of hours of work. One book becomes ten. Ten books turn to a hundred.

How long does it take to write a novel? That varies greatly from person to person. Let’s say about 100 days — 1,000 words per day for 80 days and 20 days of revisions (assuming 80,000 words). That is 10,000 days to write 100 novels — about 27 years. At 1,000 words per hour, that adds up to 8,000 hours of work total.

In Writing Analytics, you can create a new project for each pass to keep track of how much work are you putting in. Some may take only a few hours or days; others will drag on for months. Doing your revisions in passes will also ensure the whole book improves over time

3. Work in Passes When you start editing a chapter, it's tempting to fix the punctuation first. Maybe pull up the thesaurus and vary your vocabulary a bit. Then add a bit of description here and there. However, in the early stages of the editing process, changes like this are distractions at best and sometimes a complete waste of time. Focus on the big issues first like plot and pace. By the time you're done with those, the chapter you were polishing might not even be there anymore. The best way to stay focused is to work in passes. Set a clear goal for each pass and don't make any other changes to the manuscript until you reach the end.

Prioritise the list and put all the major changes at the top.

1. The First Reading By the time the first draft is done, you have spent months and years working on it. It's time to take a step back. Stephen King recommends putting your book aside at least for six weeks. Take some time off or work on something else in the meantime. With some distance between you and your book, it's time for the first read-through. Reading your own work can be painful. You may be tempted to start tweaking things along the way. Resist the temptation for as long as you can. It will slow you down significantly, or even stall you completely. Instead, make notes of anything and everything that doesn't seem right.

Momentum is a critical part of any successful writing routine. It makes showing up every day easier over time. Use writing streaks to break through the initial resistance and build enough momentum to start the process. A writer in motion tends to stay in motion.

When things aren't going well, many writers choose to double down. They power through until they run out of steam and burn out. Losing your streak is one thing. Burning out can be much worse. Just looking at the document with your project will stress you out. It can take months or even years to get back. Writing is a marathon. Sprinting may get you ahead briefly, but you will lose in the long run. Make sure that whatever you're doing is sustainable. That's the only way to succeed as a writer.

You can do them all at once or scatter several sprints throughout your day, whatever works for your schedule. When doing multiple sprints in a row, some writers like to outdo themselves by trying to write more words each time. Word sprints are a fantastic way to consistently hit your daily writing goals, particularly when you're first drafting. It's a simple habit that can have a dramatic effect on your productivity as a writer.

A word sprint or writing sprint is a focused, time-limited session when you're only allowed to write and do nothing else. They're usually from 15 to 30 minutes long with short breaks between them. The goal is to write as many words as you can. However, that means different things to different people. Contrary to what the name suggests, word sprints don't have to be frantic — you can work at your own pace. The key ingredient is focus.

Other writers have a warm-up routine before they start. They free-write or journal for 5-30 minutes to exercise the 'writing muscle' before moving on to working on their project.

Create a ritual When you repeat a sequence of actions frequently enough, your brain will start associating them together. Many writers have a small ritual that they perform every time they sit down to write. It may be as simple as brewing a cup of tea, going to the library or coffee shop, playing a specific playlist or arranging the windows on their screen in a certain way.

They work with a financial planner not to learn which mutual fund is better than another, rather ensure that they have considered everything, and to have confidence that they have validated it by a professional.

Financial Planning is about getting clarity, having peace of mind and knowing where you stand exactly, rather than being confused about your future. It helps you understand the cause and effect of each of your financial decisions, big or small, helping you make fully informed decisions. It puts your resources to optimal use and focuses everything towards your goals and your financial freedom.I work with many DIY investors

Investments are only a small part of financial planning.It is more about helping you understand the relationship between your money and your life and what steps you need to take to achieve your life’s goals. Money and investments only act as tools to help you. It is pointless to chase returns and focus on multiplying wealth without channelling it towards achieving financial freedom.

The most important thing is to get started with whatever you can think of, and understand that every small decision you make today will impact your long-term financial future.

In order to be financially free and create meaningful wealth, financial planning is crucial. You need a roadmap before you start a journey, to reach the destination in an optimal way. You will get clarity as to what needs to be done to achieve your goals.

Meaningful wealth is one that works for you, not something that just looks good on your net worth statement. Financial planning is about putting your hard-earned wealth to optimal use so that you don’t work for money all your life, rather you make money work for you.

Financial freedom is achieved when you have the OPTION to work rather than being COMPELLED to work. A good plan helps you focus your resources towards achieving this faster.

When you spend everything you have today, remember that you are borrowing from YOUR future financial stability.Being able to sleep well at night knowing that no matter what happens to your job or business tomorrow, your current lifestyle is guaranteed for the rest of your life is true financial freedom.

Most people make bad decisions when they don’t understand the long-term impact of an immediate small decision. When you have a financial plan, you understand the ‘cause and effect’ of every decision you take today. You will be able to understand how your spending today is impacting the long term picture and may reduce your chance of making temporary bad decisions that may adversely impact your long term financial stability.

Make gradual increments to your lifestyle. There’s nothing wrong with stepping up your lifestyle as you earn more but resist the urge to make big jumps suddenly. Do it gradually, trying to put most of the additional new resource towards guaranteeing your future lifestyle.

the difference between ‘can spend’ vs ‘should I spend’ is one of the biggest factors that define a person’s long-term financial success. Just because you can increase your lifestyle, it does not mean you have to.

‘Lifestyle Inflation’. This is the concept where a person increases their expenses when there is an increase in their income, in addition to the regular increase in the cost of goods.

Many NRIs have the benefit of larger monthly surpluses but fail to put it to optimal use to achieve their life’s goals. Having a proper plan and understanding the big picture will help you to make better and fully informed career and life decisions.

Financial Planning is not just about investing money into the best mutual funds and getting the best returns. Money and investment products are only tools. Financial planning is more about how your money is helping you achieve what you want in life and to live a more peaceful and happy life.

NRIs may also have to file taxes in India if they have any income in India exceeding 2.5 lakhs. Although there is no TDS on MFs for residents, TDS is applied to NRE and NRO Mutual funds and could be claimed back if applicable in the tax returns.While making the transition to India, long-term NRIs can make use of the RNOR (Resident but not ordinary resident) status to minimize their tax for a couple of years on return to India. Certain products like FCNR deposits can be used to benefit from this.

NRIs enjoy certain tax benefits when they invest in India, like nil tax on FDs. However, the source of funds and the account type they use (NRE or NRO) should be considered for better tax planning. The same products, for example, FDs, are beneficial under NRE funds as they are not taxed in India, but not as much under NRO which are taxed. Debt funds may be better an option if in NRO funds.

The best investment options are often the simplest products, used well. Many NRIs also by default invest in ‘real estate’ rather than spending the time to understand the other asset classes. Once they understand their goals and what they are investing for, the right combination of simple products is all that is needed.NRIs also have to sometimes decide if they want to invest in their country of residence too and if they should participate in pension plans in their country, eg., 401k in the US.

NRIs may sometimes have to deal with investments in two countries and with an additional impact of exchange rates, it may get difficult to evaluate investment options well. If they choose to invest in India, there are many options like FDs, Mutual funds, Stocks, PPF, Real Estate, FCNR deposits etc.  Most of these can also be invested under the NRE or NRO options.

Ketone foods lower appetite According to the National Institute of Health, ketone foods reduce appetite. This prevents binge eating and fosters weight loss.

Foods with ketones promote weight loss. Weight loss on keto is a viable strategy. Eliminating carbs from one’s diet is one of the easiest ways to lose weight. According to a study by Pubmed.gov, individuals on a low-carb diet lose more weight than those on low-fat diets. This is because low carbohydrate diets remove excess water from your body and reduce blood sugars leading to weight loss.

Firstly, these withdrawals, which are effectively redemptions, are not subject to tax deductions at source (TDS). The capital gains, though, are taxed on the withdrawn amount. You may also opt for setting up your withdrawal in such a manner that you only draw the gains made on your investment. This keeps your capital invested while, at the same time, you enjoy the gains at a regular interval.

Systematic withdrawal plans allow you to customise the cash flow as per your requirements. You can also choose to either withdraw just the capital gains on your investment or a fixed amount. This way, you will not only have your money still invested in the scheme, but you will also be able to access regular income and returns.

A Systematic Withdrawal Plan or SWP allows an investor to withdraw from his/her mutual fund scheme every month on predefined dates. This withdrawal could be a fixed or a variable amount. It could be made on an annual, semi-annual, quarterly, or even monthly basis.

You have the right to privacy and are not legally required to inform your employer unless your condition could endanger yourself or your colleagues. Simply inform your manager that you are unwell and need to take time off.

For contract workers who don’t have access to paid leave entitlements, taking some time off is still important. It’s unhealthy to work non-stop all year – it can hurt your performance at work and your physical health. Even though you don’t get paid on the days you take off, contract pay rates include leave loading and are typically higher than permanent employees for this reason. As a contractor, it makes sense to factor in unpaid vacation leave as part of your financial planning. But don’t forget about the possibilities of needing unplanned leave. If you take this into account as well, you’ll be able to afford to take mental health breaks when needed. 

Only after they had mastered their bodies, played with other kids, and read about great heroes did they begin to learn the specifics of whatever field interested them. The details were always in service to the whole.Today, we do this totally backward. Without context, (heroic) cultural myths, or any framework to guide kids' motivation, we force them to learn the awful, mundane specifics—not just one field, but all fields. 

Next, they were expected to read. A lot. But not like today. They read mostly poems and epic literature, like Homer’s The Odyssey. These works connected kids with the cultural context of their society

In ancient Athens, kids were educated much differently.First, they were expected to be strong physically. They exercised their bodies so that their minds would have fortitude. The younger ones played games all day. The older boys focused on military training mixed with philosophical discussion.

Mozart was not well-rounded. Why would he be?Traditional schools don’t aim to cultivate Mozarts. They don’t care about genius.They aim to make kids “well-rounded” blobs.

At four, Mozart would bang on piano keys and burst into laughter when he managed to find a chord.His father turned his love into a game. He would challenge him to play in time and read music. By the age of five, Mozart was composing his first pieces.The entire family traveled together (two siblings, both homeschooled), showing off Mozart's skills and meeting the greatest musicians of the time, including Bach. By the age of 14, Mozart was employed as a court musician.Of course, Mozart goes on to change the world of music forever.

# Flat Fee There are many fee-only planners who are practicing the % based fee structure (even among the SEBI RIAs). Better you avoid such % of AUM based charging module and go with a planner who is charging you the flat fee. Fees as a percentage of your assets are nothing but a replacement for commissions and will result in a conflict of interest. Hence, by working with flat-fee charging planners, you are completely aware of conflict-free advice.

# Zero Commission or Incentives When the Fee-Only Financial Planners recommend some products to invest or buy, they not receive any commission or incentives from your investment or buying. Hence, it does not matter to the fee-only planners whether you invest in A product or B product. Hence, the planner will look into your requirement and the recommendations always are client-centric.

‘sacred minimums,’” she says. “That’s the amount of time you write each day, even when the world comes crashing down. The idea helps you to maintain a writing streak and a sense of confidence.”

Some writers prefer to set a time goal instead of committing to a word count each day. They write for an hour or two hours or in 20-minute sprints. Some, like myself, swear by the “Pomodoro Method,” setting a timer for 25 minutes of writing time, then taking a five-minute break away from your computer before you sit down again.

breaking down the seemingly insurmountable task of writing a book into a daily word count for a month helps writers to achieve their goals.

Set an intention Before you sit down to write, it can be useful to determine whether you’ll work on a novel, short story, nonfiction chapter, or poem. Some writers commit to working for a set amount of time. Others aim for a certain number of pages or words. Anyone who’s ever participated in National Novel Writing Month (NaNoWriMo) knows the magic formula for churning out a 50,000-word manuscript in 30 days is 1,667 words a day.

In order for this to work, the typing has to be truly free. This means that the critical, editing, judging, vetoing, guiding, interpreting part of your brain — the neocortex—has to be almost entirely disabled.

Know yourself betterImagine a fountain of thoughts bubbling up from your subconscious. Your conscious brain receives these bubbling thoughts during meditation, and we often get caught up in one and float away in a thought bubble. Eventually it pops, and we’re back, but it’s a lot of work. With free writing, we have a convenient method to step back from the fountain and observe the bubbles and let them float away on their own… because we are too busy recording them. The separation between thought and self becomes easier to discern and maintain

this amount of writing feels about right. You can't just fart out 3 pages without running into your subconscious a little bit... 750 words takes a bit of effort, and it never fails to get me typing things that I have wanted to articulate without realizing it. And that's the point.

3 Pages = 750 words I looked this up. 250 words per page is considered to be the standard accepted number of words per page. So, three standard pages are about 750 words.

What you should do is think about what gets you in the right mood to write. For me, it’s usually a fresh cup of coffee, a tactile keyboard, and some sweatpants. So; comfort. I write best when I’m comfortable.  But most importantly is the second half of Hemingway’s quote: “Edit sober.” What he means is to set yourself in a different, possibly opposite, state of mind to edit. That means that we should hold editing as the near-polar opposite of writing.  The state of mind you need is different and the exercise of editing is very different. So don’t do it while you’re writing.

Write Drunk; Edit Sober.Ernest Hemingway

In the normal course of events, I write the story linearly. But, I tuck that special scene away, and store it for an emergency. This has saved me on several occasions when, whether out of weariness or writer’s block, I just don’t feel like writing. When nothing else will come, I whip out the emergency scene and write it, even if it means writing the scene out of order. This does three things for me: It ensures I get my writing done for the day. It gets me excited about the story again. It buys me a little time to work out why I was having a problem in the first place. Was I just tired, or was the story not working in some way?

Sometimes, even on a routine day, I might be unusually tired by the end of the day. Or, I might sit down to write and find that nothing will come. My brain is locked. In these situations, it would be easy to give up and just take the night off. Instead, I pull out my “emergency scene.”

First, I assume that I’ll only have 10 minutes. I do this because in almost any situation, I can count on finding 10 minutes to squeeze in some writing. It might not sound like much, but on all cylinders, I can write about a page (250 words) in 10 minutes. One page is one page more than I had the day before. Second, I keep multiple projects going. At any given time, I’m usually working on two pieces of fiction, and two or three nonfiction articles. I learned this trick from Isaac Asimov’s autobiography years ago. The value of multiple active projects is that it allows me to start on something right away to maximize the 10-minute window. If I sit down to write and just don’t feel in the mood to work on the short story, I’ll turn to an article. Or vice versa. 

2. When my day goes unexpectedly sideways… Sometimes, things happen that you can’t plan ahead for. Life gets in the way. I’ll go into a day thinking that it will be routine, and something comes up.

1. When I know my day isn’t going to follow the normal routine… There are instances when I know ahead of time that my day will be off its normal routine. Travel days are one example, a day with evening plans is another. In these instances, I try to plan ahead by getting my writing done as early in the day as possible. On travel days, I do the writing before the day gets started.

Saying you’re going to write everyday is one thing. But to ensure the streak’s success I had to bulletproof it for when the routine was interrupted for one reason or another. How could I continue to write every day despite occasional disruptions, planned and unplanned?

If you prefer the thought of never having to charge your car – maybe a hybrid is for you. If the environment is your main concern, electric vehicles have a lot to offer. And if you can’t decide and want it all, the MG HS PHEV could be your perfect match. 

Whether you choose to drive a fully electric vehicle, a hybrid car, or a PHEV, you’ll notice the difference compared to a conventional petrol engine. First of all, electric engines are extremely quiet and smooth to drive. In addition, the MG ZS EV uses regenerative braking so you can drive with just one pedal in some situations. 

The benefits of electric vehicles (EVs) are obvious – especially for those wanting to drive without creating any emissions. The MG ZS EV is a new family-friendly electric car that is super simple to charge. On the go, it can be rapid charged to 80% in approximately 45 minutes from a 50kW DC fast charger. It can also be charged fully overnight at home on a 75kW domestic charger, which takes just seven hours. 

PHEV. It stands for plug-in hybrid electric vehicle. A hybrid only charges itself when while the engine is running, but a PHEV can be plugged into an electrical outlet and charged independently.  The MG HS PHEV gives customers the best of both worlds; remarkable performance and technology combined with low-emission practicality.

A hybrid vehicle is a car that has both a battery-powered electric motor and a petrol-powered engine that can be used either together or independently. For that reason, hybrid cars don’t need to be charged externally as they generate their own energy that can then be stored in the battery.  Hybrid vehicles such as the MG HS PHEV are attractive to customers because they erase the fear of running out of battery charge as well as being on average more cost-effective to purchase than a totally electric car. 

an electric car is a vehicle with an electric motor that is powered by a lithium-ion battery. The battery is charged externally. Electric vehicles are growing in popularity because they don’t need any petrol at all and need very little maintenance due to their lack of moving parts. 

Thomas’s love for reading fiction kept him in touch with his intuitions, enthusiasm, and heroic impulse. The same hunger that had him turning the page to see what happened next gave him scope to dream about what was possible in his own experience. The parents who instilled a love of fiction also taught him to face uncertainty and embrace empathy - giving himself compassion through obstacles and the strength to face them squarely.  Thomas couldn’t explain it, but he had a gut feeling - and knew how to trust it. 

Thomas loves fiction, and his parents encourage him to read it. He expresses his love for the stories, so his parents allow him to follow that interest. At the same time, they frame his future in terms of the stories he’s reading about. “What kind of adventure do you want your life to be? Why?” Thomas loves Harry Potter—so he seriously considers how he can find “magic” in his own life. 

There are two reasons for our current state of misunderstanding: Fear sells. Vultures are trying to steal our attention in any way they can. So, understandably, they focus on the forecasts that scare us the most and tap into the human fear of total collapse (that’s why there are so many disaster movies). Nice people want to help. It’s hard to hear that bad things are going on or might happen in the future. Empathetic and kind people are being taken advantage of by fearmongers, and that fear is being passed down to our kids like a mind virus. 

Why is it nearly a social taboo to discuss our collective success? Most traditional schools teach kids nothing about the miracles of society they get to enjoy every day.

Kids should have their arguments ready because other (scared) adults will try to make them feel powerless. 

No matter how serious you think the issue is, we can’t accept the loss of our kids’ spirits.A few things to notice: We rely on the optimism of young people to fix all problems.Things are far better in 2022 than the news wants you to think.People have been predicting the end of the world since the beginning of the world.Kid’s optimism and ambition is the best possible thing for the planet.

Why doesn’t everyone know this rule? Because it’s harsh to the people who aren’t where they want to be in life. But remember, effort compounds over time, so it’s rarely too late to turn the tide.

If your kid wants to be a physicist, break down the smallest specific steps between where they are and the goal. What credits do you need? Grades? Test scores? Contacts? Invest in those steps daily. Break them down into the smallest possible bites. Be patient, and be consistent. Because of compound interest, their success is almost guaranteed over a long enough period.

It’s also the bedrock rule for success in every aspect of life—even creative success. In short: patient kids end up more successful in all facets of life. And don’t worry–patience can be taught.Here are the key lessons to get it right: Small investments become exponential over timeTherefore, always be patient and consistentIf your kid wants to become a writer, a good, manageable investment might be writing 500 words daily. Do that for two years, your progress will be exponentially higher than the sum of your effort. That’s the Matthew Principle at work. The next two years of writing will be even more productive, and so on.

Teach them about compound interest early

failure breeds failure, and success breeds success. If you have a little success, you’re likely to have more and more. If you have a little failure, it can snowball (if you’re not careful). For example, as most people know, if you already have money, making more is easier.That doesn’t mean the game is rigged! It only is if you don’t understand that a tiny success today makes a slightly larger success tomorrow more likely. Keep at it long enough, and those little successes compound. That’s why kids (from any background) have so much potential.

“aim for the moon; if you miss, you’ll land among the stars,”

Most employees will also favour applicants that have similar interests to their own, often without even knowing it."When you volunteer information that is not required [such as hobbies and interests] it may actually put you out of the contest by virtue of perceived lack of fit, even though you may have the qualifications,"

a study that interviewed skilled migrants on their experience in Australia.He identified some key barriers that made finding a job difficult.First, there was a general distrust of overseas qualifications."Despite vetting and the government saying this qualification is equivalent," Professor Ng said employers were more likely to consider candidates who had studied at universities they were familiar with.Secondly, "word of mouth is important", so without a network of "social capital", it was hard to find opportunities

In the session, he was the only one with no home loan, car loan and credit cards among 70 people. They said that this happens when masculine energy and feminine energy are balanced. This balance is achieved when spouses are in agreement with their lifestyle. Meditation, kind of food, kind of thoughts and kind of people around you are important for balance in one’s energy.

feels that happiness depends on age. In the 20s and 30s, he got his happiness from travel and a dream job. But in the 40s, happiness for him is more of living with his family, have good health, and be spiritually awakened.

‘Lead me to truth from ignorance and lead me to light from darkness’. This is the pivot of his life.

g3tanAinA1gebra  “Get an A in Algebra” R3@d4BOOKSinJuly  “Read 4 books on July” ca11DADeveryFriday  “Call Dad every Friday” Will this work for all your passwords? Probably not. My recommendation would be that you use this model for the passwords that require periodic changes. For example, if your password at work needs to be changed every 90 days, then use this for a 90 day goal. Passwords that are changed less frequently can be longer term goals.

Start by picking a goal, any goal. Then create a password based on this goal. The process of typing it in over and over throughout the day should help to keep it within your focus.

Another aspect of the Learn Enough approach is doing everything for real. This means that right from the start you’ll be using the real tools used every day by software developers and other technical people. You’ll also be making and shipping real projects. For example, in Learn Enough Git to Be Dangerous, you use the amazing Git version control system to track changes in a real HTML project.

technical sophistication, the ability to figure out technical problems on your own. Technical sophistication includes concrete skills like command lines, text editors, and coding, as well as fuzzier skills like Googling the error message and knowing when to just reboot the darn thing.

Instead, forms first get covered in Learn Enough JavaScript, where form submission is caught and handled in the browser, and then in Learn Enough Ruby, which uses the Sinatra web framework to handle form submissions on the back-end server.

The name “Learn Enough” refers to the philosophy that you don’t have to learn everything about most subjects—you just have to learn enough to be dangerous. In this context, “dangerous” is meant to have a positive meaning, indicating that you are able to get things done. Part of this philosophy involves know what to leave out, at least initially. For example, some HTML tutorials cover code for submitting information, called a form, but never make forms that do anything!

Even within the ambit of this regulation, SEBI allows corporates to have both the advisory & distribution arms within the same entity, with appropriate segregation & arm’s length dealings. While SEBI allows this, this is not the best arrangement from the client’s point of view. The best bet would be to deal with a fee-only advisor who is not having any interest in product distribution.

SEBI Investment Adviser Regulations 2013 was the first regulation which sought to create a new class of fee-only advisors, who also take on Fiduciary responsibilities. These are the only Fiduciaries currently in India in the Financial Advisory space.

Mutukadu lake near OMR offers rowboats, pedal boats, water scooter and windsurfing for the adventure seekers. For entertainment, OMR offers AGS Cinemas and Mayajaal which eliminates the need for its residents to travel into the city. People can also plan a weekend drive to Mamallapuram or Pondicherry or plan their weekend stay in beach resorts nearby.

It Will Bring You Closer to Nature Scenic beauty, in and around the area, offers an added advantage to homeowners. Unlike the congestion in the city, there is plenty of clean air in OMR which can be attributed to a green belt in the area and the coastline nearby. The vast green spaces still available in OMR are a much-needed respite from the concrete jungle most of us are used to.

It Offers State-of-the-Art Infrastructure In a move to encourage greater investments, the Government has taken a keen interest in this area by laying wide roads, creating green open spaces and providing sewage and metro water connections. Some of the infrastructure projects in the pipeline for OMR include flyovers, metro connectivity and a sports city

Learn the Guitar … or Another Musical Instrument If you’ve ever dreamed of being a rock star, shredding a guitar on stage then you’re in luck. You’ve now got the chance to learn how to play your favourite songs on any instrument! There are some great apps and videos available to teach you the basics on learning to play your chosen instrument. Check out this video from onlineguitarschool to help start you on your path to glory, or if the piano or keyboard are more your speed you can check out apps like Simply Piano or Yousician.

Origami If you don’t want to make a mess, and you’re still wanting to learn something new, Origami is easy for anyone to get in to. Whether you start out with the traditional Crane, or opt for something more challenging: I chose the traditional Iris. Alternatively, you can pick and choose from these online diagrams which will help guide you. Origami can also be a great way to relax and enjoy some time for mindfulness; focusing on executing the perfect folds and techniques to create each masterpiece. It’s also a good way to pull the kids away from their screens for a while.

Puzzles and Brain Teasers Don’t worry about trying to find a spare table where you can put together that new 1,000 piece jigsaw puzzle. There are some great brain teaser puzzles that you can do to test yourself and challenge your friends with. If you’ve ever picked up a pen and had a go at the newspaper crosswords, Sudoku or ‘spot-the-difference’ you might be familiar with the satisfaction of completing these puzzles. Studies have also shown that regular ‘puzzling’ helps to boost cognitive performance, that sounds like the real ‘a-ha!’ moment. There are some great resources online where you can find some awesome puzzles, BrainDen and PuzzlePrime are just two examples. There are also some great books that you could work through as well – Hinkler has a large selection for the whole family.

Juggling It might seem like a bit of a kid’s activity, but juggling can be quite fun and challenging. The perfect way to bring a new skill to life is to take it step, by step. However, we always like to make things a little more interesting. Why not get your family and friends involved and see who can take out the crown of master juggler first? Research has found that juggling helps improve brain function, by enhancing neural connections – the best part, the study found the benefit was from the time spent training and not the level of skill attained. There are a bunch of great tutorials on YouTube or juggling articles online – however, I found this to be the easiest to follow.

Natural sources of magnesium include leafy green vegetables, nuts, seeds, and whole grains.

Increase your Magnesium Intake Magnesium supplements are often taken as a remedy for poor sleep (insomnia). Magnesium can help to regulate neurotransmitters that are active in sleep, such as gamma aminobutyric acid.

If you are excited about the opportunity, make it known. Many candidates who lack some skills but demonstrate more enthusiasm are often selected when hiring managers compare candidates.Be open and honest. Ultimately, you are asked motivational interview questions to ensure the job is a good fit for you. That’s why it is best to answer these questions honestly. You’ll end up in a role you enjoy. If it isn’t clear whether the company offers something important to you, bringing it up will help the hiring manager provide clarity. And, if they make an offer, they might match their offer to your motivations to secure you for the role.

Be specific and provide examples. Just as behavioural-based interview questions require you to be clear and concise, you should be specific when outlining your response to motivational interview questions and back up what you are saying with examples.

You can focus on strengthening your communication skills, negotiation skills, and presentation skills as these will be valuable across organizations and countries.

You can expand your skills to cover a wider area or go deeper into your field. For example, if you are a project manager, you can learn organizational skills, leadership skills and take on the leadership of multiple projects or responsibilities for a geographical area. If you are a sales executive for a product, you can learn about other related products and markets and take on the responsibility for multiple products or multiple markets.

Enhance Your Knowledge & Skills Mahatma Gandhi said, “Live as if you were to die tomorrow. Learn as if you were to live forever.”

Many NRIs come back to India and set up non-profit ventures to tackle socio-economic issues. Others work with NGOs and charity institutions. They want to make a difference in society and bring change in a positive manner.

Others want their children to have quality time with their grandparents which is difficult to get when you are in India just during the annual holiday.

There are many immigrant issues such as intolerance and violence that are increasing in different parts of the world.

Most NRIs have grown up in India playing in the neighborhood and celebrating festivals with family and friends. They have bonding with their extended families- aunts, uncles, and cousins. It is not the same abroad. Yes, in some cases, festivals are celebrated and the Indian community is active. But it takes a lot of planning and effort.

My mother was my first financial coach; I have seen her achieving a lot financially, with limited resources. She made some basic rules and never deviated from them - she made budgets and stuck to them. She always knew that while investing, it is important to beat inflation.I grew up listening that Indians are a great savers & felt WOW. But when I entered profession, I realised there’s a difference between investor & saver.

Financial Freedom is not a mirage & can be achieved with discipline + a SYSTEM.

Simon Sinek in his famous book “Start with Why” mentioned that we should all know our “Why” – the reason we exist in this world and why we do what we do – and mine is Learn, Simplify & Share!!

I strongly believe in the concept of one life & to enjoy that financial freedom is must.

Let us make this simple with an example. Ms. Shweta left for the United States in 2001. She returned to India on June 30th, 2017. She will be considered as an RNOR for the financial year April 2017-March 2018. What about 2018-2019? She has been in India from June 30th, 2017 to March 31st, 2019. That is a total of 639 days which is less than 729. Therefore she will be treated as an RNOR in the financial year 2018-19. By March 31st, 2020, she would have been in India for 1005 days and therefore she will be treated as a resident Indian for the financial year 2019-2020

If the person is an NRI who has just returned to India, he/she will be given the RNOR status if – If the NRI has been outside of India for 9 out of the last 10 years, he can be an RNOR for 1 year. If the NRI has been in India for a period of 729 days or less during the last 7 financial years, he can be an RNOR for 3 years.

RNOR stands for Resident But Not Ordinary Resident. It is a residential status given to certain people. Here are the conditions of determining whether a person is RNOR or not –

In fact, there is a large cohort of people that are in a stronger financial position today. That’s because their income has been unaffected, their discretionary spending has reduced e.g. less eating out and no holidays and interest rates are at all-time lows. As such, many people have either accelerated debt repayments or accumulated more savings.   The best evidence of the financial strength of this cohort is reflected in the credit card spending data compiled by the banks. This data gives us a real-time indication of how much people are spending by category. Overall consumer spending is up 5% compared to last year. This demonstrates the unaffected cohort more than makes up for the people that have lost their jobs and income.

Covid has hurt low-income earners and younger people the most   Unfortunately, lower-income earners have been more financially vulnerable to the impact of Covid. They tend to work in occupations that do not lend themselves to working from home. In addition, industries such has hospitality, travel and tourism have been severely impacted, especially in Melbourne. As such, Covid has disproportionately affected lower income earners to a much greater extent.  

I will pay a buyers’ agent a large fee today to maximise my growth in 30 years. And if they are successful in buying a property that will deliver 1% p.a. additional growth, I have probably generated over 8,000% return on my money (i.e., buyers’ agent fee versus additional growth.

A 1% p.a. differential in growth rate over 30 years results in over 30% more or less value.   My thesis is that you should take all reasonable steps to increase the probability of buying an asset that will deliver the highest capital growth rate over the next 20-30+ years.

It is easy to make a mistake when selecting an investment property if you don’t have 10,000 hours of experience. That includes buying the wrong property or incorrectly deciding to not buy the right property i.e., missed opportunity.

rental income is a distant second to growth in terms of importance. Unfortunately, too often I see investors try to balance both. As a result, they end up buying a property further away from the CBD to get a larger home within their budget (and therefore more rental income), or they buy a building-value heavy asset. My financial analysis demonstrates that in the long term, that is a mistake. The maths does not lie – trust the numbers.

Newly constructed properties are mostly building value. The underlying land value tends to be a small portion of the overall value. As such, they don’t have the attributes to drive long-term capital growth.

That’s a work project that took me 56 minutes and in which I got distracted three times. The journal ended up being my safety net. It’s what I mentioned above about “Next Play Speed.” Having a journal gives me a habitual response to noticing my procrastination.

The idea is that procrastination is often a short term mood repair initiated by your subconscious. The problem and the decision to solve it are both happening below the level of conscious thought. The solution is to find a way to identify and then solve that mood at a conscious level. Journaling is one way to do that.So, as I moved my task-journaling into a proper journal, I started to ask myself, why did I just procrastinate? The answer was often illuminating and, more importantly, something I could overcome.Here is a concrete example, and I want you to note the number of times I say “darn”. Those were moments of procrastination.

part of what kept me tracking the minutia of each project was simply pride.The pragmatic benefit comes from taking David Allen’s Next Action concept and putting it on steroids (I like the steroid metaphor, apparently). If Next Action is a good tactic to get into a new project, it’s equally good to take you through every little step until you finish.

Upgrade option: journal everythingThis tactic is focused on the interstitial moment between projects. But the obvious upgrade is to journal while you’re working on the projects as well. Basically, you journal the entire time that you’re working.

the instant the ball changes hands, Jordan plants his pivot foot and changes direction. That’s his habit.Humans are famously slow project-switchers. Part of the problem is that it’s impossible to make a habit out of switching between projects because each project is unique. There’s nothing consistent to habitualize.But, Interstitial Journaling is something you can make a habit out of. Finished a project? Habitually flip over to your journal, write the time down, reflect on what you just did, then reflect on what you’re about to do.It’s the knowledge worker’s version of planting a pivot foot.

Your journal is a habit for pivoting to new projectsAn NBA trainer introduced me to a concept he teaches his athletes called “Next Play Speed”. The concept is that there is a transition between offense and defense, where basketball players often get lost. This is the basketball version of an Interstitial Moment.

I normally wouldn’t consider strategy at all.But, in my Interstitial Journal I noted that I only had an hour for this editing work. From experience, I know that editing an article can take anywhere from 15 minutes to 2 hours.So, breaking all normal rules of my own behavior, I opened all five articles. Then, I ordered them by which looked to be easiest to edit and chose the easiest article. Am I a genius? No. But that brief moment of mindfulness helped me pick a smarter strategy.

Mindful strategizing: do less, do it smarter, delegate it“How should I approach getting the project done?”At this point in the journaling, you’ve cleared your head and you have a chance to think about the best way to get your next project done.Most often, getting the project done is a matter of scope. If you only have an hour, then you have to use a strategy that fits within an hour.

once they can connect their daily tasks with real results (money for the new bike) instead of hypothetical goals (an A on a math test), they suddenly rise to the occasion without badgering or coercion.

Passion > coercionWe believe in letting kids figure it out for themselves as much as you (the parents) can possibly stand. They shouldn’t be micromanaged for 18 years and then tossed into the world. For example:Want a new bike? How’re you going to pay for it? Want to be great at basketball? How do the best players practice? 

Kids don’t like school–a cliche so deep half of the movies in the 80s were about that. But, as we can sometimes forget, kids are born with a love for learning. Give them something they are actually interested in, and they will study it endlessly. Some kids are more intellectual, others more practical; some love projects and others love discussion. Why can’t we base their entire education on their unique, intrinsic drive?

This is what we love about writing online: by allowing the entire internet to “judge” a kid’s writing (and not just a single, overworked teacher) it shows them that good writing is not necessarily about getting all the grammar right. Good writing is about writing from a place of honest motivation. Readers can tell the difference. Their clicks and attention prove it. When a kid can write about something they love, they naturally work hard to convey what they want to say.

even if kids have good teachers, those teachers simply don’t have the time and energy to make bad writers into good writers (it takes a lot of editing and a lot of time). If we want our kids to be powerful, we need to train them to be warriors of words. The best place to do that is the battleground. Help your kids publish their words online. Help them understand and incorporate feedback (by the way, lack of attention is feedback). 

Mental health for freeFor free, everyone can use the app to track their mood, understand and manage stress.

The price of not usingGyroscope The current healthcare system is essential, but designed to repair problems after they happen. Gyroscope is a new preventative approach, helping you avoid issues in the first place. In addition to the priceless benefits of feeling great every day, the actual financial savings can be significant. Hiring your own team of experts to guide you on nutrition, exercise and sleep would cost thousands a month. Even then, the advice may not be right since they can’t see what is happening in your body. With Gyroscope, you can get the world’s best data-driven coaching for a fraction of the price.

Rarely are two hybrid instruments the same – they all have unique and complex terms. Therefore, I don’t invest in these instruments directly. You can mitigate many of these risks and the associated complexity by investing in a managed fund that manages a portfolio of hybrid equities. This will provide you with diversification and the manager will price-in/analyse any conversion risks, thereby minimising your investment risks We often use BetaShares Active Australian Hybrids Fund (HBRD) to invest client’s monies. It has paid a monthly yield (income) of 5.19% p.a. over the past 12 months (including imputation credits i.e., that is a pre-tax return). This yield is indirectly linked to the RBA’s cash rate.

Invest in hybrid securities A hybrid security is a type of investment that combines bond and share (equity) characteristics. It usually pays a monthly income, like a bond (via a dividend payment). These dividends typically have imputation (franking/tax) credits attached to them, like a share. They will be issued for a fixed term i.e.; they mature like a bond.

the syntax for the IFS function is:=IFS([Something is True1, Value if True1,Something is True2,Value if True2,Something is True3,Value if True3)

The IFS function checks whether one or more conditions are met, and returns a value that corresponds to the first TRUE condition. IFS can take the place of multiple nested IF statements, and is much easier to read with multiple conditions.

ACTU president Michele O'Neil said a rise in migration had to come with a rise in real wages for Australian workers."It should not happen unless we deliver the changes in our economy that will have wages growing for workers here,"

From a low point in the late 1990s, Australia's permanent migration program grew fairly steadily to eventually hover around 190,000 people a year in the mid-2010s — right where the migration cap was set.It then dipped, for a few reasons.The number of visas being granted started falling short of the migration cap until the cap was eventually slashed under the Morrison government to 160,000 places in 2019-20.That year also coincided with the onset of COVID-19, which saw even fewer visas granted.

“You can say to people, so what do you think of these people who look the other way and didn’t do anything to help?” he says. “And obviously that’s really terrible, and there was a big outcry in China when the video was shown. But there’s a sense in which we’re also looking the other way, even if the children who are dying are further from us. Ethically, I’m not sure that it’s all that different.”

A toddler escapes from her mother in a busy street and is hit by a car. CCTV footage shows 18 people walking past the girl lying in the street injured, without stopping. Eventually another car hits her and it’s too late to save her.