Three Common Misconceptions About Working With An Investment Advisor

Investing can be a complex affair, especially if you are not an expert in the field. However with hundreds of thousands of people making their first investments each year, it is no longer a field reserved for the seasoned professionals. However investments are a very risky business and could potentially be even riskier without a full understanding of the process and its implications. This is why many people choose to consult the expert knowledge of an independent investment advisor or broker in the initial stages.In this article, we will explore three common myths regarding the service provided by investment advisors, offering you accurate and balanced information on the matter.1. The advisor takes control of money and all decisionsA good independent investment advisor will seek to gain a good understanding of your financial situation and also your financial goals. They are likely to consider the four Ws in order to do this: why you are looking to invest, what you are hoping to do with the money, where you are looking to invest (if you have any idea) and also when you would like/hope to use the money.By gathering these facts and gaining a full picture, they will be able to advise and make recommendations accordingly. An independent investment advisor is not there to take control of your money but rather to use their expertise to offer guidance to help you invest in a way which best suits your circumstances and aspirations. They will also discuss the risk factor and they are likely to try and ascertain your tolerance for risk and expected rate of return in order to be able to make relevant recommendations.The money will remain yours and any decisions will also be your own however if you are unfamiliar with investing then seeking assistance from an independent investment advisor could help to offer guidance on a number of factors. They can advise you on what to invest in, whether to buy stocks or funds, investing for income or retirement, potential rates of return and also taxable costs of your investments.2. Only beginners need investment adviceIn actual fact, many people with existing investments turn to independent investment advisors when they are considering how to move forward. With bigger investments come greater risks therefore people often want to be as well-advised as possible.Also investors who have been lucky enough to make profits on their first investments often find themselves wanting to grow it further and therefore look to invest in different ways which an investment advisor could offer guidance on.An investment advisor is likely to analyse your existing investments and discuss your future investment aspirations in order to help make a plan for going forward.3. If I use an investment advisor, I counteract some of the risk of investingSadly this is not true. Even the most seasoned experts in the field could not deny that investing carries great amount of risks and often people who have made the greatest profits have taken serious risks along the way. An independent investment advisor could help on finding the right investment suited to your attitude to risk, but they cannot the risk of any particular investment away.Investments can be a good way of growing your money but profit is not guaranteed and is often based on things that are out of your control such as stock market movements. Therefore you should always bear in mind that you could lose all the money that you invest and be left to deal with the consequences.

A Handy Tips Guide To Traveling Overseas

The stress of planning your trip will be forgotten when you are enjoying your vacation. It can be rather hectic and crazy when trying to keep all the aspects of your travel plans straight. Read these guidelines on how to plan a trip so you will enjoy it.Always look at the expiration dates on your passports. Many countries have specific rules in place about passport expiration. Many will not allow you enter the country if it expires in a certain window of time.If you know there won’t be a place to easily exchange currency once you land in your destination country, exchange a small amount of money before you depart.It can be possible to be able to choose where you want to sit on the plane, but there are times when you can’t. After you have booked your flight, always watch the booking site to see if this option becomes available. This can enhance your trip and give you a big difference over taking whatever is available.Make sure your children are carrying some form of ID and emergency contact info.Be very cautious of any unsolicited emails that offer great travel deals.Create a packing list of the items you need to pack.If you travel with eyeglasses, pack an extra pair of eyeglasses when traveling. This provides with a spare pair if your current pair breaks or the glasses you are wearing become damaged so you will still be able to see. You may want to keep them with you, in case something happens to that bag while traveling.Always remember to tip the housekeeper and housekeeper appropriately.Don’t forget your camera: you will want for sure to have visual memories from your journey. Take many pictures of famous cities you visit, publish them on some of the best free photo sharing sites and let your friends and family know about this.A lot of people find it hard to sleep on planes as there is a lot of external noise and unfamiliar surroundings. A sleeping pill might help you to get some rest on a long flight.As you read in this article, traveling can be fun, though planning your trip can be a little stressful. You have learned how to easily plan your next trip, and you can now raise the chances that your vacation will be successful. These tips can help you to simplify and de-stress your travel experience.

5 Empowering Tracks From Female Icons To Make You Feel Inspired

Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.

According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.

So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.

Britney Spears – Toxic

Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.

This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.

The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.

This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.

Kelis – Milkshake

A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.

This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.

And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.

Eve (ft. Gwen Stefani) – Let Me Blow Your Mind

This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.

Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.

The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.

This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.

Fergie – MILF$

If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.

Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.

Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.

Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?

Marina And The Diamonds – How To Be A Heartbreaker

Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.

This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.

Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.

The Pandemic Effects on Hospitality Industries and How They Overcome It

The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on the service sector, the tourist industry plays an important part in the country’s growth. The increase of the COVID-19 cases has brought about a huge increase in the number of workers getting expelled or having their work ended. How did the hospitality industry survive in this era? The pandemic has provided several opportunities for numerous hospitality industries to use specific mechanisms in order to overcome pandemic difficulties.

Tourism and hospitality industries affected by the COVID-19 pandemic, including hotels, restaurants, resorts, travel agencies, travel and transportation, and real estate, show a significant losing number of tourists. According to the president of the Indonesia Tour Guide Association (HPI, 2020), 45,000 visitors have cancelled their plans to visit main tourist spots in the country between January and May. Furthermore, According to UNWTO (2020), 100-120 million direct and indirect activities were in jeopardy, and foreign tourist numbers decreased 56% year on year from January–May 2020. These noteworthy diminishing numbers primarily influenced the Indonesian financial state. For example, hotel profits have dropped by up to 40%, having an effect on hotel operations and risking business continuity. The drop in international visitors has an effect on the salary of restaurants whose clients are more prevailing than foreign visitors (Block, 2017). Following the dropping, many hospitality industries are taking awareness of tourists’ health risks and protocols taking an advance.

The recovery of hospitality industries is indistinguishable from the progressively sophisticated information innovation utilized to pull in potential visitors to choose to travel. The regaining of tourist attractions after a pandemic is required to utilize other promoting techniques to advertise their items inventively. First, social media marketing reaches many internet users who are looking for tourist information hospitality industry. This strategy is helpful in advertising and attracts many tourists to find more information related to a tourist attraction in the designated region. Second, Tourism industry players and visitors, as well as government action, are required to arbitrate between the two groups. Government policies must be in the form of the finest judgments to characterize the middle ground between commercial actors and visitors (Anggarini, 2021). This means that provided policy in the hospitality sector during-post pandemics maintains the best solution for both tourists and hospitality owners. Last, all tourism-related activities must adapt to current conditions, in which humans must live alongside Covid-19 (Anggarini, 2021). By all means, many factors, including health issues, hygiene, and safety for tourists, are priorities.

In conclusion, even though the pandemic is really affecting the hospitality industry as a whole, it gives many advancements of movement done by the hospitality industry to survive. Many resources are being used as the development of technology to provide data destinations insight. In addition, the sophistication of information technology can also facilitate the government in supervising the implementation of safe travel in accordance with government recommendations. All these initiations are good examples of overcoming pandemic situations while running hospitality industries.