Investment options for the self-employed

As a self-employed person, finding a suitable option for a financial pension is indispensable. Government and corporate funds offer a wealth of choice. Here are some other investment options you can consider.

Stocks are the star of the market

This security is the best known in the market. Blue chips are suitable as a beginner-entry and long-term investment option.

Stocks also offer dividends. This is distributed annually. Stocks could be used to generate a passive additional income. Careful adherence to principles and strategies can minimise risk and generate profits. Particular attention should be paid to IPO’s something of a double edged sword a company’s Initial Public Offering is often an incredible opportunity but one fraught with risk, the until now private company has clearly been doing well enough that it anticipates a positive reception however it is not uncommon for bounces early as the market has no historic trend data making technical analysis impossible.

Stock CFDs

With CFDs, (contracts for difference), you take a position on the value of the underlying asset such as a stock, currency pair or commodity.

When you trade CFDs, you do not physically own the underlying instrument. You only speculate on whether the financial instrument you are investing in will rise or fall. For this reason, CFDs are generally free from Stamp Duty. As a rule, CFDs are traded off-exchange.

CFDs can be a superb opportunity for the self-employed investor as they require only a small start up fund to make large trades due to the power of leverage, simply put you can keep the bulk of your money in your savings or other investments and still use it to trade. However it should be noted that with the potential for big risk there is also a potentially huge reward. If you’re left holding a bet when the market moves against you you can end up losing far more than your initial holding deposit.

Diversifying your portfolio: funds

Funds have the advantage of diversification. Many investors put their money in a variety of securities. A distinction must be made between active and passive funds. With active funds, your portfolio will actively be managed by a fund manager who will be able to respond appropriately to the prevailing economic climate. Passive funds on the other hand, have the advantage of lower costs and the chance of a long-term high return.

Exchange-traded funds

Exchange-traded funds (ETFs), for example, invest the collected assets in a specific index, such as the DAX, Dow Jones or Nikkei 225. This purchases the stocks that are in the corresponding index, ie the performance of the ETF is equal to that of the index. Savings plans make it possible to pay a fixed amount at regular intervals.

The ups and downs of the stock market are important in determining your profit. At low prices, the investor buys more shares for the same money than at high prices. If the index or market should collapse, there is the opportunity of a manual purchase at favourable prices. Nevertheless, risk cannot be switched off, and losses are always possible.

Bonds are an alternative to credit

Companies use investment bonds when they need capital and the sum cannot be borne by a single financial institution. The money needed is divided into many small bonds and offered for sale to the public in the market. In addition to annual interest gains, price gains are possible upon payment of the debt at the end of the term.

Creditworthy companies with an attractive interest yield are viewed by many as a potential investment opportunity, especially when market interest rates are low.

Finding the right product

Ultimately the level of risk steps up in hand with the level of reward, for a self employed person you may find that you’re asset rich, but cash poor for this reason margin products often look attractive, however these are inherently risky, other product fads such as cryptocurrency trading carry even more risk.

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Why Dry January Shouldn’t Just Be For January


Dry January is over, and we are sure that many of you are ready to crack open a bottle of wine for the weekend to celebrate. However, dry January shouldn’t just be for one month.

It might seem like a difficult task, but by reducing your alcohol intake by a large proportion or even quitting altogether, you will see a whole host of amazing benefits to your health. The idea of detoxing the body of these chemicals could be something you take into your future and implement into your lifestyle for good. We aren’t saying you need to seek out the nearest drug and alcohol treatment centers for the issue, but just take a minute to think about how your body would benefit from cutting the booze.

In The Short Term

You may have noticed if you did take part in dry January that you had many different benefits to your health during this time. These health benefits could include:

Sleeping Better

Drinking regularly can affect your ability to sleep because drinking disrupts your natural sleeping cycle. You will notice if you ever drink a glass of wine before bed, you fall asleep quicker and this is because alcohol is a relaxing drug. It will allow you to fall asleep quicker than you would naturally however in turn this can disturb your sleep cycle and cause you to wake up a lot during the night. By drinking less, you will notice a marked increase in your quality of sleep, and energy the next day.

Your Appearance

Not drinking can make your skin glow and also make you look much more awake during the day. The reason for this is that alcohol is a diuretic which dehydrates us and causes us to lose water from our bodies. This can make the skin look older and dull. By cutting out the drink, you will have more water retained on your skin cells, and therefore look better.

Long Term Health Benefits

Now that you know the short term benefits of drinking less or no alcohol, we can look the difference it could make to you if you quit for a long period of time.

Cancer Risk

Alcohol is known as a carcinogen, which is a substance that can cause several types of cancer. Alcohol specifically is linked to seven different types of cancer including mouth cancer, so cutting out this drink can reduce your risk significantly.

The Liver

We all know that alcohol is bad for our liver, but you may not realise just how bad it can be. Excessive intake of alcohol can damage the liver by disturbing the way our liver interacts with glucose. The function of the liver is to turn glucose into fat and send it around the body for storage. However alcohol stops this from happening and means the liver is stuffed with fat. This can cause liver failure and ultimately, death.

Lower Risk of Diseases

One of the great advantages of not drinking is that your risk of loads of difference diseases will go down. For example here are some of the diseases you will be less at risk with:

  • Heart disease
  • High blood pressure
  • Sexual dysfunction
  • Thrombosis
  • Lung cancer
  • Stroke

So, before you crack open the wine this weekend, having a think about keeping up your good habits for a while longer.

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4 Must Visit Beautiful Beaches in the Philippines

There’s nothing more stunning than the Philippines, with so many islands and beaches to choose from it’s a wonder anyone ever comes back from their holiday. You could spend an eternity exploring the scenery and enjoying the activities on offer. It really is a destination that everyone should visit at least once in their lifetime.
Have you been dreaming about beach holidays in the Philippines? There’s good news because we have taken a look at all of the beautiful beaches in the Philippines and narrowed it down to the best four beaches that you absolutely have to make time for during your Philippines travel.

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      1. Boracay, Aklan
      This small island is just 300 kilometres from Manila, to the south in the Aklan province. It’s famous for its pristine waters and powdery white sandy beaches. Boracay is easily one of the biggest tourist destinations in the area with over 350 resorts. Those resorts in total feature around 2,000 rooms and the great part is if you want luxury – you will find it, but if you’re on a budget, you’ll find somewhere appropriate.

      It really does have something for everyone, whether you’re interested in sunbathing all day and hitting bars and restaurants in the evening or you have plans to indulge in water sports – it’s all there. The area’s most famous beach is White Beach, and it was once known as the world’s finest beach. The island itself has been named the best in the world, too. The perfect time to visit is between November and May as monsoon season runs from June to October. There are no direct flights, though, so you’ll need to grab a boat.

      2. Coron Island, Palawan
      If you are looking for beauty, you can’t look past Coron Island. This island also shares a name with the local city’s largest town. The island is home to steep cliffs of limestone, white sandy beaches as well as seven different mountainous lakes. It regularly appears in top ten lists for its scuba diving spots. When you look beyond the incredible rock formations, there is more, secret lagoons with crystal waters and a secret beach. It may be a struggle to get there, but it’s worth it. There are two ways to gain entry to the secret beach – swim through the sea tunnel or climb the cliffs.

      This area isn’t as busy as the other beaches as it isn’t a hotspot for tourists, however, going off-peak is a great way to avoid crowds altogether. Once you fly into Busuanga you can grab a bus or van to Coron. It takes around 45 minutes, but do know you can’t stay overnight – so if you’re planning a proper trip you’ll need to stay in Coron, Busuanga.

      3. Pagudpud, Ilocos Norte
      Crystal clear waters, white sandy beaches, and plenty of water sports to be had, Pagudpud is basically the North’s Boracay. There is one big difference between in and Boracay, though; there are no shopping spots here. In fact, you’re lucky to run across an ATM so make sure you have cash at the ready. What you will find are incredible attractions such as Kapurpurawan Rock, Kabigan Falls, Bangui windmills, and the Patapat Viaduct. You will probably want to rent a car so you can see everything.

      4. Mactan Island
      It’s located in Cebu, which just happens to be one of the world’s best islands. It’s a big tourist attraction and it’s the perfect spot for snorkelling and diving. You can also island hop and check out jet skiing, para-sailing, sailing, and more. The great thing is that because you’re in Cebu there is so much more to explore than with the other islands. It’s the perfect holiday balance of excitement and relaxation.

      The best time of year to visit is between January and Mary, you can expect rain in the remaining months. Though that’s no guarantee that you won’t see rain at all while visiting, it’s one of the Philippines wettest regions.

Don’t forget to try some of the local food. Filipino culture is rich and their cuisine is incredible – don’t miss out on the whole roasted pig, pancit, lumpia, kare-kare, singang, and more. While you’re there, why not try the infamous Durian fruit. It’s known as the king of fruit, but it’s also known for being banned from hotels due to the stench. While it may be overpowering on the nose, the fruit itself is delicious – it’s sweet, it’s savoury, and it’s creamy. It’s truly a unique fruit that anyone travelling the Philippines must try for themselves.

Looking for travel deals Philippines? Visit flight codes to get the best deals on your trip to the Philippines, no matter which beaches you want to check out. Why not visit them all? Whether you take an extended trip or keep going back for more.

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Keep your body fit and healthy by doing some exercises and cycling

A rapid increase has come in health related problems and unhealthy lifestyle is one of the main reason. Due to lack of attention and time most of the people are suffering from health issues such as depression, stress, overweight, cardiac problem and many more. In fact, due to all such issues they are not able to enjoy their life fully resulting in severe mental and physical problems. However, you can convert your unhealthy lifestyle into healthy one by following some easy exercises and diet. They together can help you in overcoming number of issues and moreover provide peace of mind assuring better and prolonged results. A healthy living environment can bring so many changes in one’s life such as it can increase living age, make them look younger and even can provide new mean of living.

Cycling and exercising best way to remain fit

Many ways are there through which you can remain fit and healthy for many coming years such as cycling and exercising. Different types of exercises are available out which is easy to follow and most importantly is result orient. Overall, by doing couple of exercises on daily basis you can make your body look fit and best. Some of the exercises are pushups, up down, back bent, jumping, jogging and more.

On other side, you can even opt for cycling which is easy and less time consuming. So, if you have any plans of doing cycling then you should invest in best bike for men or women. For cycling, it is must that you should have a comfortable bike and have enough space such that you can stretch body and legs.

Importance of cycling for mental and physical health

Bike riding can be fun, involve low impact, easy and is beneficial for all age group. Cycling is something that can fit in your daily schedule very easily and without making much efforts. In fact, due to rapid rise in health benefits with cycling more and more people are opting for it. This has often led to growth of bike industry and as a result different types of beach cruiser mens, women’s and children are available in market. They are lightweight, easy to assemble and less costly.

In order to remain to healthy and fit it must to be physically fit. Regular physical activities can help you in protecting from serious disease like heat disease, mental illness, obesity, arthritis, cancer and diabetes. In fact, regular bike riding is one of the few best and effective ways which can help in reducing health problem risks and other which are associated with lifestyle. Along with all this things, bike riding is something which you will never regret and above all is time saving exercise.

To achieve general improvement, all you need to do is cycling for four to five hours in a week. It is easy, good for strength, can be intense as you want, good muscle workout, fun way to look fit and causes less injuries and strains.

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Study App Makes History Learning Interesting

The reason why many students do not like history is because they find it very boring. You can do a survey and you will find that the survey will show that most students rather not study history as a subject. Many think that history is not important and they don’t understand why they have to study history. They dread attending history classes because the teachers will just talk about things and incidents in the past, of people who were long ago dead and all the boring dates to remember. To these students, history is just a dead subject.


The reason why we need to learn history is because it is from history that we get to know about the past and how we came to be in our present situation. In fact, there are many things we can learn from history. From history, we learned about the mistakes and the decisions people made in the past that contributed to our current situation. Hopefully, we will learn from the mistakes of others and not repeat the mistakes ourselves. When we study history, we learn and understand our culture from our forefathers’ days. We also study about the wars they fought, the sacrifices they made for the country, and the treaties signed for peace.


Through modern technology and the advancement of high tech mobile phones, historians and educationists, together with others have made learning history and other subjects interesting to the students of today. Anyone with a smartphone can download a free study app from Google Play Store or the App Store for Apple phones. For those using an Android mobile phone, one of the best Android studying app to download is The Great Courses Plus app.

The Great Courses Plus app offers online learning subscription to students from all over the world. Students can now learn everything about anything, from anywhere. They can easily access to the many educational videos and audios taught by experts and professors in many fascinating and useful fields.

Whether you are trying to improve on your history or wanting to brush up on your skills in a specific field, The Great Courses Plus is one of the top free tutoring app that allows student to stream video classes for later viewing. Students need not have to attend fixed time tuition classes and they can view the video in the comfort of their house or curled up on their bed.

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Keeping Life Sweet (But Not Too Sweet) With Diabetes

Nearly 1-in-4 adults live with diabetes, with even more showing prediabetic signs. Type-2 diabetes accounts for the majority of all cases, and it is becoming one of the fastest rising chronic health concerns. Because it’s so prevalent, there are a lot of tips on how to live a healthier and happier lifestyle with diabetes. Here, we’re going to look at the information that everyone should know, especially if you’re having trouble coping with some of the more common symptoms.

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Check that glucose

Staying as informed about the particulars of your condition as is possible is the most important thing when living with diabetes. Your doctor will come up with a plan and help you understand your safe blood glucose levels. But you have to get into the habit of checking it yourself. Monitoring your blood pressure is going to help you recognize when you’re getting into risky levels, as well as the overall trends that will help you know whether medication, diet, and lifestyle changes are helping you manage your condition. Learn how to test your blood, how to keep your meter and supplies on you, and put together a schedule with your doctor so you can make measurements as accurate and reliable as possible. If you have to set alarms on your phone to remind you when to check your blood sugar levels, do it.

Find any excuse to exercise

Physical activity is of huge benefit to anyone that’s living with diabetes. If you’re unused to exercise, then there are plenty of easy, low-impact options like walking, cycling, and swimming that can get you started slowly before you start to pick up the pace. With type-2 diabetes, you have too much glucose in your body and your insulin either can’t deal with it or you don’t produce enough. Exercise is one of the most effective ways of controlling blood glucose levels. What’s more, it’s an essential component of healthy weight loss which can reduce your risk factors for some of the more dangerous potential symptoms of diabetes. Just make sure you talk to your doctor so you’re aware of any potential heart health issues or complications like retinopathy. They might be able to help by referring you to an exercise physiologist.

Manage your diet

Exercise is only as important as your diet, of course, and you have to focus on making healthy changes to both. You don’t have to be “perfect” but you do have to find a balance. Control your portion sizes, make sure you have the correct ratio of grains/starchy vegetables to greens to meats on your plate. Opt for healthy fats like omega-3 fats found in fish like salmon and nuts instead of saturated kinds. Most importantly, try to avoid processed foods and choose wholefoods more often.

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Walk away from leg pain

But what about the symptoms you might feel as a result of your diabetes? One of the most common is leg pain, sensitive, swelling, inflammation and numbness. This is known as diabetic neuropathy and without treatment it can become debilitating. There are a lot of different remedies to try, however. Medication can treat the pain while dietary supplements can repair damaged tissue and protect from future damage, so it’s worth mentioning any leg pain to the doctor. Diabetic friendly socks alleviate pressure on the foot and leg. Because diabetes raises the blood sugar level, you could be at more risk of foot and leg ulcers due to bad circulation. These ulcers are a primary factor in the prevalence of amputations related to untreated diabetic neuropathy. Again, regular exercise will help improve circulation in your legs, too.

Watch your eyes

Diabetic retinopathy is another one of the more serious complications to be concerned with, as well. It is currently one of the leading causes of blindness and vision impairments. If you suffer from diabetes, having an annual retinal exam is crucial if you want to keep your sight. There are different stages of diabetic retinopathy and the sooner you catch it, the better your chances of stopping it from progressing. You can do this by controlling a wide range of risk factors, including proper blood sugar control, quitting smoking, improving your blood pressure and cholesterol levels and more. Pregnant women are at more risk of retinopathy, so work closely with your doctor if you find out you are expecting.

Mind your head

It’s not talked about as often because it’s one of the “invisible” symptoms, but depression is very common amongst type-2 diabetics. Managing diabetes can be stressful, and the condition itself can be painful and bothersome enough that it can all come together to dramatically worsen your mood to the point you develop depression. If you’re starting to feel like you’re losing energy, struggling completing tasks you once could, or like your mood is leaning in a worse direction more often, talk to your doctor. Beyond prescribing medication for depression, they could have resources on support groups for diabetics that can help you address your issues with people who understand and even learn some practical tips.

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Get your sleep

High-blood pressure and stress are two things that people living with diabetes do not need. They both increase your risk of retinopathy and neuropathy and they can make exercise and your diet less effective, limiting the impact they have on your blood sugar. So, make sure you’re getting a good night’s sleep. Poor sleep increases blood pressure and increases the production of cortisol, the stress hormone. Start planning your sleep. Set a bedtime and have a routine, including turning off all electronics, that begins half-an-hour before you sleep. You need around seven-and-a-half hour’s sleep and it takes the average person fifteen minutes to fall asleep when they lie down, so set your alarm clock accordingly and you’ll have a much more fulfilling sleep. If you have trouble sleeping even when you manage your sleep schedule, talk to your doctor.

As a final tip, if you’re diabetic, it’s a good idea to think about investing in a medical bracelet or alarm. If you go into diabetic shock, you might find you can’t speak for yourself, so having a way to get help in an emergency could end up saving your life.

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Crime Never Pays, Unless You’re The Victim

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In modern societies, there are very few things which put you in danger and are out of your control. Roads are becoming safer, violence is very minimal, and the people around you are happy with their lives. Of course, though, while this sounds like an idyllic mix, there will always be some who stay a little bit behind. Being a victim of crime is never a nice experience, and most people will do everything in their power to avoid it. Not everyone’s the same, and some people are out there to take something from you, but this doesn’t mean that you can’t start working to get it back.

What Did They Take: For a lot of people, the first job on the to-do list will be obtaining the stolen item from the criminal. Of course, you won’t be able to do this alone and might need the help of a couple of different organisations. First, the police should be informed of the crime, giving them the chance to launch an investigation while leads are still hot. Along with this, though, you can do some work of your own, using the internet to try and find the person on your own terms. If you want to cover yourself for the future, personal belongings insurance can guarantee a return if you ever have anything stolen.

What Did You Lose: Along with the items you lose during the crime itself, being a victim of a theft or violent attack can often see you losing money in the future, too. Being unable to work, get where you need to, or be independent can be a big blow to your finances, and this is something which should be made right. Once the criminal has been caught by the police, you will have the chance to press charges. With this, you will also have an opportunity to take legal action for the income you might lose, opening the doors to repayments from the perpetrator coming on a regular basis.

Your Injuries: Finally, as the last area to consider, being a victim of crime will also often mean being hurt. When people are doing something bad, it will be hard for them to consider their actions, and they could be rougher than necessary to get what they want. When you’re hurt by someone like this, professionals like can help you to fight for compensation. Even if your injury doesn’t see you out of work, it’s important to make sure that this sort of issue is made up for. Of course, though, you will have to fight hard to get the money you deserve, and this could take a couple of years.

Hopefully, with all of this in mind, being a victim will become a lot easier. You’ve probably heard of the idea that crime never pays, referring to the time criminals often have to do in prison. Of course, though, when you haven’t done anything wrong, but have lost out, you should always be in line to get something back.

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Calling All Freelancers: How You Can Take Better Care of Yourself

Being able to work from home can bring with it some great flexibility and the freedom to do things as and when you need to. You’re only accountable to yourself, and you decide your workload and the hours that you work. But with that freedom, comes some responsibility; you may be accountable to only you about your work, but also about your health. In an office, an employer is required to adhere to certain guidelines to make sure that you’re working in a healthy and safe environment. But when you’re working at home and by yourself, the only person that will be telling you to take a break or get a new desk chair is you. So what can you to do be more accountable for your health when you’re self-employed? Here are some of the ways you can take better care of yourself.

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Assess Your Desk

Hopefully you have a desk or an office space that you work in at home. You should check the space out and see what you can be doing to make sure that it is a comfortable and safe space. Is your desk chair up to scratch? Is it adjustable and movable? If it isn’t, then it could be worth looking to invest in a new one. Have you got a footrest or somewhere for your wrists to avoid things like repetitive strain? All of these kind of thing can make a difference to your health and posture overall, and stop you getting aches and pains when you’re doing your work.

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Improve Your Health

As well as the environment that you’re in, your own health can have an impact on how well you’re able to work. And at the end of the day, as a freelancer, you’re likely to not get paid unless you are working. So it pays to stay well; literally. So think about regular exercise breaks to take a walk or go to the gym. Think about what you’re eating and drinking; it can be hard to get up early and do work if you’re hungover or feel so lethargic from eating sugar-filled foods. You could also look to purchase health care products online like a blood pressure monitor or a mattress that could help you sleep better. Be proactive and you’re likely to deal with any issues before they actually crop up.

Banish Loneliness

Working freelance can be very rewarding. But sometimes your only contact with someone else during the day can be the mailman! So it can be a pretty lonely place, especially if you work online and deal with people via emails. So in order for it to not impact your mental health, you need to think about what you can do to tackle it. It could mean that you decide to schedule conference calls or Skype calls rather than email. You could work from a coffee shop once a week or even hire a desk in an office. Just do what you need to do to banish that feeling of loneliness.

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