4 Common Myths About Cruises

For a lot of people, cruises aren’t exactly their go-to holiday. That’s why for most of us, everything we know is second-hand and hearsay. I’m here to set the record straight on a few things I hear folks say that are keeping them from trying what could be the best holiday of their lives.

They’re Expensive

It’s true that cruises can be costly—this is what keeps a lot of people from trying them—but they don’t always have to be. You can get great deals on trips with all kinds of destinations if you’re willing to be flexible, because cruise companies offer deals on late bookings. Any profit they can make is better than an empty cabin, after all. You can easily find lots of deals like this on Bolsover Cruise Club.

You’ll Get Seasick

If you get motion sick at sea, it’s all down to the way the waves jostle the boat, and this scales down the larger a ship is. It’s easy for the ocean to toss a little dinghy this way and that, but in larger boats you’ll notice it less and less. Well, you’re average cruise ship is bleeding enormous! We’re talking mind-bogglingly big, so even if you can’t stomach being in a car or on a place, you’ll usually be fine on a cruise liner.

They’re Overcrowded and Claustrophobic

Like I said, these boats are big, and they don’t use all that space for golf courses and climbing walls. In my experience, cabins on cruise ships are spacious and comfortable. There’s not much to the rumours of crowding either—though there are a few popular spots, of course—but if that’s a concern there are always more intimate experiences available on smaller river cruise ships. These can also be a little cheaper, so they make for a worthwhile option for any traveller.

They’re ‘Do Nothing’ Holidays

If you just want to kick back and relax in the sun, cruises have you covered, but that’s not all they offer. Cruise ships come loaded with all sorts of amenities from sports equipment to cinemas, and a lot of it is available to use for free, so if you like to keep mind and body active you’ll find it almost impossible to be bored while you’re aboard.

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Five Home Office Design Tips That Inspire Productivity

With droves of workers ditching the nine-to-five grind in pursuit of something more flexible, now more than ever you should consider the importance of a well-designed home office.

After all, working from home may seem like a luxury; however, the freelance lifestyle can be tricky to handle for newcomers due to the sheer wealth of distractions.

Emails. Phone calls. The doorbell. You name it.

Likewise, those working from home may also struggle with feelings of isolation and boredom from being cooped up indoors. You can quickly burn yourself out if you aren’t productive and ensuring that your office nurtures a “get it done” mentality versus one that simply wastes your time.

If you’re looking to crack the proverbial whip and design a home office that actually nurtures your creative, hardworking spirit, consider the following tips as a starting point.

Let There Be Light (or Lack Thereof)

Again, it’s natural to feel isolated when you’re flying solo and working from home. It’s crucial that you remind yourself that the outside side world is alive and well, so consider letting some light into your workspace. Solutions such as bamboo blinds can give your space a sense of style and make your office seem less like a cave.

On the flip side, you may find that your space gets a little too much love from the sun during the day. That’s why blinds are an absolute must for any home office space: you can let in as much or little light as you see fit. Either way, try to give yourself as least some exposure to the sun throughout the day for the sake of your mental health.

Control the Thermostat

Conventional wisdom tells us a warmer work climate fosters productivity, so keep that in mind as you adjust your thermostat while you work. Conversely, you should perhaps invest in an office fan if you find yourself sweating up a storm during the summer months if necessary. Simply keep in mind that if something feels “off” in terms of your office productivity, the temperature may very well bet he culprit.

Set the Appropriate Tone

No two jobs are created equal: likewise, comparing the office spaces of a graphic designer and mortgage broker is like comparing apples and oranges. Regardless of the scope your work, make sure that your workspace fosters creativity and establishes your own sense of personality. For example, you may opt for a bold, black-and-white themed space for a sense of professionalism that reminds you that your home office is a place of work rather than play.

Remove Any and All Clutter

That being said, clutter is surefire productivity killer. Take pride in your workspace and keep it tidy. If something is in your office that isn’t related to your line of work, such as personal knick knacks or odds and ends that you’ve been storing in your office space, it may be time to move those items out.

Rethink Your Desk

Many works are seeing huge returns through standing desks which work to help them focus: on the flip side, perhaps a comfier, high quality desk and chair combination is in order for maximum comfort while you chip away at your workload. Regardless, you should find a balance between comfort and productivity to avoid sitting for too long.

At the end of your day, your home office represents your personal space to get down to business. Instead of business as usual, consider how you can revamp your space for a more productive lifestyle.

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What Are the Best, Post-Election Investment Vehicles

While Donald Trump’s surprise election victory may have taken the financial markets by storm, the initial burst of volatility that gripped the Dow Jones and S&P quickly subsided within 24 hours of Hilary Clinton’s muted concession. This does not mean that volatility will not return to the global markets once Trump is unveiled in the Oval Office on January 20th, 2017, however, while Trump’s unique standing as a businessman rather than a politician means that the economy will head into uncharted and uncertain territory under his stewardship.

3 of the Best Post-Election Investment Models

This is no help to investors, of course, who must look to negate the uncertain climate and continue to trade profitably. With this in mind, here are three of the best post-election investment vehicles that are worth considering: –

  1. High Value Stocks Such as Apple

As a billionaire and global real estate tycoon, it is little surprise that Trump is committed to reducing the impact of corporation tax on American businesses. Under his relatively vague and yet-to-be-confirmed plan, no company of any size would pay more than 15% of their total income in taxes, creating the single largest revolution since the tenure of Regan.

Not only would this discourage firms from deferring their taxes abroad, but it would also earmark high value stocks such as Apple and Google as viable investment options. Even dividend investment would become more lucrative, with blue chip companies like Coca Cola likely to experience consider share price hikes as a result.

  1. Global Stock and Bond Index Funds

If there is one thing that investment management firms constantly preach, it is the importance of diversification. This not only applies to the assets an derivatives that you back, however, as Trump’s election win may also herald a unique opportunity expand into global stock and bond index funds.

Despite Trump’s apparent stance against globalisation, this is a process that will continue throughout the US and incorporating international funds such as the iShares Global 100 ETF can help you to capitalise on this. This will deliver both short and long-term gains, which is a considerable benefit in such an uncertain marketplace.

  1. Corporate Bonds

With the stock market likely to continue to suffer from at least some form of short-term volatility, you may also want to turn your attention to the safe haven of corporate bonds in 2017. These assets always tend to perform well when stocks are declining, while they offer a genuinely secure source of wealth that are ideal for long-term investment plans. Make sure you know what to expect from these bonds though. A good law firm, such as Withers Worldwide, will provide advice on which bonds you are eligible to buy, as well as what to do if you feel a company has not kept their side of the deal. Bonds don’t always pay big, but they can provide you with stable growth over several years.

Make no mistake; a five year corporate bond will add considerable depth to your portfolio and help to secure your capital during Trump’s inauguration. This is a key consideration, particularly as there are still considerable gaps in knowledge concerning the incoming President’s precise manifesto and economic plan.

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