Helping You Define Your Lifestyle

Airport Lounges and why I’d Recommend Them 

My buddy Matt Knouff and I were traveling from the U.k. to Mexico last month, and the flight involved a 6 hour layover in Amsterdam airport. I wasn’t over the moon about the layover but I knew that it would be a good to chance to get my head down and do some work before the next leg of the journey. My buddy suggested that we went into an airport lounge to spend our time, rather than waiting in the main airport. I scoffed initially at the 45 Euro fee to get into the KLM lounge, but after some gentle persuasion I decided to go for it. As it turned out, this was a great decision and here is why I would recommend paying for an airport lounge if you have a layover on an upcoming trip.

Food and Drinks

In the airport lounge there is a huge selection food and drink which are complimentary and you can indulge throughout your time there. In terms of drinks there are alcoholic drinks to choose from such as beers, wines and spirits, there are also soft drinks and a range of teas and coffees. In terms of food you will find a broad selection of snacks such as nuts, crisps, olives, ham, cheese and bread selections, you can also find main meals such as chilli con carne and other hearty options like soup. As you well know, the prices of food and drinks inside an airport are often extortionate and if you have a significant layover, you may end up actually saving money in a lounge.

Working

I like to use my time in the airport to get some work done where possible but this does present a challenge. Finding somewhere quiet in the airport, with good seating and desk space where you can do some work is not always easy, not to mention the limited wifi that there is. In this lounge in Amsterdam however, they had a small business centre with private booths that had desks and chairs to get some work done. The surroundings were quiet and the wifi was fast and unlimited, the perfect place to get my head down and do some work during my layover.

Relaxation

We woke up early for our flight to Amsterdam, and given that we would lose 6 hours with the time zone change when we got to Mexico, I was keen to try to relax before the next leg of my journey. This proved to be the perfect place to do just that thanks to the peace and quiet in the lounge, the comfortable seating, as well as the staff who were on hand to serve us. Travel can be stressful at times but you can remove all of that stress if you book into one of these lounges on your travels.

Lounges are available in most airports around the world and I can’t recommend them enough.

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Effective Ways To Save For Your IRA

Retirement is a very important goal to save for. You need to make a call as to how to save your funds for retirement, whether it be in dedicated account like an IRA or in a 401K through your job or some combination. The potential for growth in compound interest is great, so that means that you need to be able to put as much money into them as possible.

Which is why you need a monthly budget and you need to stick to it. Budgets are great tools for keeping track of your monthly cash flow, income and investments. And once you get past the psychology of not being able to think about money, it can really help your spending habits. Because it provides a chance to prioritize what you value and what you need to spend money on.

First of all, pay yourself first. You need to have money in savings in order to invest in an IRA or some other account. So you need to be disciplined about saving money for yourself and your family. Bills, food, cars and entertainment all have their place, but paying yourself first needs to come first. And it is great to be able to automate it. When you create a regular transaction from your regular account to a savings account, that means it happens without thinking about it. You can also automate savings straight to your IRA.

Use multiple savings accounts. You need to have places to put money for emergencies, major purchases and regular expenditures. That way you always have a place to save your money.

How do you get that extra money? Look for a raise at work. You need to be able to talk to your boss about getting more money when you think you deserve it. It can be a hard conversation at first, but you can really increase your income the more you do it and the better you get at asking for raises. Keep an eye out for bonuses as well. If you budget correctly, found money like that can go straight into your IRA.

Then you need to look at your expenses. Do you need both a cleaning service and a landscaping service? Figure out which one you can live without and cut that one. How much do you spend on groceries each month? Where are ways you can cut that down? You can cut coupons out of the newspaper and figure out more economical ways of getting proper nutrition. Cheap protein, like eggs and beans are always a good solution.

Look at your local library. There are always great books there, but you can also find movies, TV shows and documentaries that you can borrow for free. That might provide a chance to break down your cable bill and allow you to cut the cord.

The ability to save for your IRA can be learned. You don’t have to be a natural saver. You can change your habits if you put the effort in. Learn how to cook more and learn where you can invest wisely to replace your job income with passive income. That will allow you to make more money, have more time and save for your IRA.

Kimberly Dey’s Top Tips to Staying Fit and Healthy

Everybody knows that we need to focus on getting and staying fit and healthy, but very few of us seem to actually be able to do it. The reality is that it is difficult. We live unhealthy lifestyles that are based on convenience and speed. If we want to become fit and healthy again, that means that we have to make some significant lifestyle changes, and that is hard to do. But the desire is clearly there. Kimberly Dey, for instance, has noticed that between $40 and $50 billion is spent on losing weight alone each and every year. The problem is that much of that money is spent on scams and products that promise the world but deliver nothing.

Kimberly Dey on Realistic Health and Fitness

Diet and lifestyle are the two key things that will determine how fit and healthy you are. It is said that there is an 80/20 rule, meaning that how you look is 80% down to what you eat and 20% down to what you do in the gym. This shows just how hugely important what you eat every day actually is. And one of the things we all seem to get way too much of as of late, is red meat. Red meat isn’t just steak (steak can be very healthy, actually). Rather, it is found in burgers and various other snack foods. It is high in fat and high in purine, leading not just to weight gain but also to gout. Your meats should be white, and they should be boiled, broiled, grilled, or baked. Additionally, the focus should be mainly on fruits and vegetables, leaving the high calorie dressings away.

Other types of lifestyle changes also have to be implemented, however. That 20% exercise is still an important 20%. Once you have reached your target weight, the percentage actually shifts a little bit, because you then start to work out to modify your shape. Either way, exercise is vital to a healthy, fit body. The great thing about exercise is that there are so man different options out there. For instance, you can go to a gym and lift weights, you can take an aerobics class and dance about for an hour, you can go swimming or cycling, and so on. Whatever you decide to do, however, you must start by warming up and finish by cooling down. Without it, you will produce excessive lactic acid, which causes pain the muscles and will make you give up. Similarly, doing the same thing over and over again gets very boring.

Last but not least, you have to be willing and ready to give up on your vices. Smoking is an absolute no-no, as it can lead to heart disease, arteriosclerosis, various other vascular conditions, and, of course, cancer. Similarly, you need to curb your alcohol consumption and never drink to excess. That said, some alcohol consumption is good, because it can lead to vasodilation, which helps to protect your heart. A healthy lifestyle doesn’t have to be completely boring, in other words.