Life Hacks

Top 10 Survival skills

Whenever you’re planning on going outdoors for an extended period of time, it’s always good to have a practiced survival skill or two up your sleeve — you never know when you’re going to need it.

Here are top 7:

Starting a fire

To some, this might sound pretty difficult. But, in many cases, starting a fire in cold conditions is almost as easy as rubbing two sticks together.

Medical Needs

Knowing your medical needs and knowing the medical kit you have with you is a must. You should have all the kit you need ready to go with you at a moments notice in your bug-out bag, failing that you should know what other items you can use to help with first aid, if your kit is depleted or damaged. In an emergency things can get really bad, at an alarming rate. Ensuring you are able to deal with these emergencies, not just have the equipment is a core survival skill. Small emergency first aid courses aren’t very expensive, and the cost of a course versus the cost of losing a life is a really simple answer.

Hygiene and Sanitation

It’s not the nicest subject to think about, but if you’re out in wild or even if SHTF, likelihood is that you won’t be able to just jump in a nice warm shower. You will need to find a way of washing outside. Not washing has a couple of side effects. Firstly your skin will start to dry. If your hunting animals may start to smell you coming, and finally it’ll probably be very hard to attract a potential partner (covering all bases here).

Making a signal fire

In a bad scenario, your a** might get lost deep in the woods or marooned on a deserted island. If you want to get help, smoke signals can be seen from freakin’ miles away. It’s an excellent way to call for help in a desperate situation.

How To Get Drinkable Water

In the wild, there are two types of water: one that will kill you or make you horribly ill and one that won’t. The thing is, if you don’t drink water within three days, you are going to collapse from dehydration and that will be the end of your survival streak.

Building some shelter

You don’t need to construct a suite from the Four Seasons, you just need a little overhead coverage and something to block cold winds.

To learn how to build shelter, check out the important video below. The key thing is not expending too much of your energy. It might just save your life.

Basic Carpentry

Everyone should know how to make basic repairs to their home. Without the ability to repair damage from a natural disaster, it might not be possible to use the home as a survival shelter. Woodworking skills also allow one to make furniture and other items to help survive.

What other survival skills should have been on this list. Leave a comment!

8 Ways to Lose Weight Without Exercise

Exercise is key to most weight loss plans because it helps you burn more calories, and more calories burned equals more pounds lost. But what if you hate exercise? Is it required to lose weight? It certainly helps you stay healthier (by revving your heart rate and building your muscles.) But it is not mandatory. There are ways to lose pounds without exercising.

 

Here’s how:

1. Sleep

High quality sleep is the most underestimated aid to help you lose weight without exercise. Your natural daily rhythm (known as your circadian rhythm) is probably the most important determinant of the health of your hormones and your body’s ability to lose weight and keep it off. Seven to nine hours every night is what you’re aiming for.

2. Eat a good breakfast

And that doesn’t mean pile up the bacon, hash browns, and breakfast breads. Eat a heavy-on-protein breakfast every day and you’ll control your hunger long into the day. For breakfast consider eggs, yogurt, or peanut butter. And don’t let more than three hours pass between eating. Be sure to have small snacks available to eat between meals.

3. Keep a food journal

Keeping track of what we eat makes us more aware of our eating habits, and has been proven to help facilitate weight loss. Set aside a few minutes after every meal and snack to record what you’ve eaten in the journal. Review your info every once in a while and compare it from week to week.

4. Switch from coffee to tea

Coffee is seen as an indispensable part of an early morning routine, but its alternative, tea, is far healthier as a morning drink. Leave out the cream and sugar, and tea is very close to being flavored water.

5. Eat healthy fats

When you’re trying to lose weight, the last thing you want to do is eat anything fatty, right? Wrong. You just have to make sure you’re eating the right kind of fat. While eating certain types of fat are definitely no-nos when you’re trying to lose weight – looking at you, saturated fat! – adding healthy fats into your diet is a game-changer. Eating good-for-you fats like avocado on a daily basis – even if that’s just throwing some onto your salad for lunch – can leave you so full and satisfied that you’re not reaching for unhealthy, sugary snacks later on. And without all those excess calories, you’re bound to drop unwanted weight.

6. Yoga

You might not see yoga as a solid weight-loss method, but think again. Aside from working out every muscle in your body and reducing your stress levels, you’re also raising your heart rate to reap some major fat-burning benefits. Try this workout that’s designed to help you drop pounds and tone up in process.

7. Meditation

If you want a quick way to lose weight without exercise, you need to find a reliable stress management technique; time and time again, research shows meditation to be one of the best methods there is.

I like to meditate first thing in the morning. As soon as I wake up at 5 a.m., I’ll sit down in my chair and I’ll do about five to 10 minutes of mediation and visualization.

Not only does this do wonders for you mentally, it’s also cools the sympathetic nervous system, which is the fight-or-flight response that we want to eliminate or avoid as much as possible.

8. Drink more water

Speaking of water, it’s an irreplaceable part of our lives, We should aim to drink 64 ounces of water a day. When trying to lose weight, swapping out the sugars and fats of other drinks for plain, filling water is one of the best things to do.

What are your methods to lose weight without excercise?

The 10 Best Personal Finance Books Everyone Needs To Read

Some people manage their money like they were born with calculators in their hands. Others…not so much.

It’s why we see so many problems with credit card debt, loans and lack of retirement planning. In most cases the skills needed to fix things are very simple and can be picked up very quickly. The below books are a list that every everyone should read.

 

1. The Richest Man In Babylon

George S. Clason’s faux-biblical parables about acquiring wealth have inspired investors since the 1920s. Like most of the personal finance books that followed, The Richest Man In Babylon emphasizes saving over spending. However, the book also insists that charitable giving is equally as important, provided you don’t allow those two whom you give to become dependent upon your gifts.

2. I Will Teach You To Be Rich

In a friendly, naughty style, author Ramit Sethi put down a serious six-week personal finance program for those who want to master their finance management with minimum effort. This book is so comprehensive that you feel like you’ve been to a long seminar with an outstanding expert after reading it.

3. Rich Dad, Poor Dad

An eighth-grade dropout who spends less than he earns is smarter than a college professor who can’t make ends meet, according to Robert Kiyosaki. Furthermore, while working for a steady paycheck can get you started, your best investment of your time and money is to buy property or a business. Or better yet, do what Kiyosaki himself did and write a best selling book.

4. The 4-Hour Workweek

While I don’t agree with everything in this book, I still really like Tim Ferriss’ ability to share a vision — while encouraging you to create your own. The 4-Hour Workweek popularized the idea of “lifestyle design” and really helped me to see that I can arrange my life the way I want to, with a little help from some practical finances.

5. The Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money

Carl Richards’ book gives realistic reasons behind the money mistakes people make and the bad habits they develop. Richards encourages readers to step away from their preconceived notions and keep their emotions in check when making

6. The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich

David Bach’s The Automatic Millionaire starts with the powerful story of an average American couple – he’s a low-level manager, she’s a beautician – whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story you’ll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present.

7. Secrets of a Stingy Scoundrel

One of the most enjoyable personal finance books I’ve every read is this one by Phil Villarreal. It goes through some items that you probably wouldn’t do to save money – and some that you might actually consider. A hilarious treatise on saving money by any means.

8. The Snowball: Warren Buffett and the Business of Life

While this book isn’t about personal finance specifically, it provides an astounding look into one of the greatest financial minds in business today. Alice Schroeder’s book offers an unprecedented view into Warren’s early life, and how some of the basics of money and personal finance have served to make him one of the wealthiest individuals on the planet.

9. Money: Master the Game

We now must move to more traditional personal finance books. The very best one on the market today is Money: Master the Game by Tony Robbins. Mr. Robbins is a motivator and his book might very well lead you to take action. He synthesizes information from top investors and draws a road map to help you succeed. He truly wants you to Master the Money Game and I applaud his effort.

10. Your Money: The Missing Manual

You know who J.D. Roth is. Now read his book about money. It’s a simple book, covering the basics of the money decisions you will have to make throughout your life, and helping you establish firm financial footing.

What other books should have been on this list. Leave a comment!

7 Money Lessons From the World’s Richest People

The rich folks in the world think and act differently than everyone else. The thing is, a lot of the wealthiest people not only had to earn their wealth, but now they also have to add to it and maintain it. If you ever wanted to know how they achieved that sort of financial success, you have to start with what the rich know about money.

 

Here are seven things that the world’s richest people know about money.

1. Know how to budget

The backbone of a sound financial plan is a budget. Budgeting helps you make the most of your money and reach your financial goals.

To create a budget, you first need to know how much money you’re bringing in. Some people choose to use their net income as their starting figure, while others like to use their gross income. Then, list all of your expenses so you know where your money is going. After that, track your spending for a month and see how it compares with your budgeted amounts. This will allow you to look for places where you can cut back on spending.

Once you have a budget in place, stick to it.

2. Understand the importance of an emergency fund

Do you already have a fully funded emergency fund? That’s great, because only 41 percent of Americans say they would cover an unexpected expense with their savings.

Your emergency fund should be able to cover four to seven months’ worth of expenses.

You should keep the funds in an easily accessible place. No, not your mattress or a safe. Think about storing the money in a savings account or money market account. These types of accounts offer a return on your money, and you’ll have access to it if an emergency strikes.

3. Be a lifelong learner

Invest in knowledge, so you can keep growing into your future.

With roughly 44 million Americans owing more than $1.4 trillion in federal student loans, being a lifelong learner doesn’t have to mean spending a lot on graduate degrees.

4. There are ways of getting almost anywhere you want to go, so long as you really want to go.

Make your own luck. You can’t wait around wishing all your life or you’ll end up a broke, miserable fool who’s all alone. If you truly want to acquire an item, achieve a goal, or turn a dream into a reality, you must put in the work and pay the price of action. So long as you keep pulling the trigger, regardless of how well your aim is, eventually you will hit the bullseye.

5. Be confident

Confidence is quiet. Insecurities are loud.

The loudest of men have something to prove. They need attention in order to feel validated, wanted or accepted. Confident men believe in both their words and actions, they seek no one’s approval other than their own.

6. The best way to escape debt is to get angry about it

No one wanders out of debt. The only way to defeat debt is with passionate intentionality, determination and hard work. In other words: you have to get angry about debt, and concentrate your energies on eradicating every shred of it. Perhaps the most effective method of getting rid of debt is the “Debt Snowball” method. While you pay the monthly minimum on every debt, you attack the smallest loan with vengeance until it’s gone, and then move to the next and so forth. Each win – no matter how small it may seem – will uplift your spirit and move you closer to financial freedom.

7. Build your dream or someone else will hire you to build theirs

Start a business or start accepting the reality of working for another man. Many men dream of being their own boss, yet, very few pick up the call and accept the challenge.

Being your own boss isn’t just about the money, it’s about the freedom. The freedom to do whatever what you, whenever you want. That’s priceless.

The ability to grow your income based on the amount of work you put in is simply said: Seductive.

Top 21 Tips To Start Saving Money

No matter where you are on your financial journey, you need to know that it’s possible for anyone to turn their

financial life around. Sometimes all it takes is that first step in the right direction to get things moving in your favor. But, as with most things, sometimes that very first step is the hardest part.

There are many ways to save money that are easy and fun. Here are 21 painless ways to save money:

1. Instead of buying a new phone every year, replace your battery

An easy one: If your iPhone starts to feel sluggish, don’t spend hundreds upgrading to a new phone after only a year or two. Just get a replacement $29 battery through the Apple Store or authorized service provider. Apple recently admitted to slowing down phone performance as the device’s battery ages, and, after customer outcry, it lowered the price of replacement batteries.

2. Turn off the television

One big way to save money is to drastically cut down on the amount of television you watch. There are a lot of financial benefits to this: less exposure to spending-inducing ads, a lower electric bill (and perhaps a lower cable bill if you downgrade your subscription), more time to focus on other things in life — such as a side business — and so on.

3. Make your own gifts instead of buying stuff from the store

If you want to save money while also giving generously, creating your own homemade gifts is one way to accomplish both goals. You can make food mixes, candles, fresh-baked bread or cookies, soap, and all kinds of other things at home quite easily and inexpensively.

4. Master the 30-day rule

Avoiding instant gratification is one of the most important rules of personal finance, and waiting 30 days to decide on a purchase is an excellent way to implement that rule.

Quite often, after a month has passed, you’ll find that the urge to buy has passed as well, and you’ll have saved yourself some money simply by waiting. If you’re on the fence about a purchase anyway, waiting a while can give you a better perspective on whether it’s truly worth the money.

5. Write a list before you go shopping – and stick to it

One of the easiest ways to save money is to only shop when you have a list. Because when you’re without one, you typically end up making impulse buys and unplanned purchases – all things that cost money.

6. Quit smoking

If you’re still a smoker, you have to know by now that your habit is not only expensive, but potentially deadly as well. If you want to add years to your life and save a boatload of money, the easiest thing to do is to stop smoking altogether.

7. Use public transport

Some places can only be reached by car. But as a good practise, check your public transport website and see if any routes pass nearby where you need to get to. Walk as much as you can.

8. Choose deodorant, not perfume

It blows my mind when someone drops $70 on a bottle of spray. Stick with a nice deodorant, and not only will you smell just fine but you’ll be sweat-free as well!

9. Minimize SMS and phone calls

A combination of a free chat service such as WhatsApp and a free call service such as Skype can reduce your bill to nothing (so long as you have a decent Wifi connection).

10. Shop around for insurance

Most people don’t spend enough time searching for the best insurance deal. Keep a watchful eye out for deals and new competitors in the market.

11. Try re-negotiating your rent/mortgage

If you have built up a good credit history, or a good rapport with your landlord, then chances are a frank chat about needing to tighten your spending could result in lowering your payments. You’ve nothing to lose from trying.

12. Have house parties

Instead of paying for overpriced drinks, set up a series of in-house get-togethers with your friends. Everyone takes a turn, so it’s not always your house that needs cleaning. For sound insulation hang heavy drapes on the walls and windows. For music, invest in a good second-hand set of speakers which you can connect to your computer. Let Spotify or Grooveshark playlists do the rest.

13. Open festivals, meetups and events

It never fails to surprise me how much underground stuff goes on around me for free or for very cheap. Find out who runs the blogs and websites that list all the less well-known cultural activities.

14. Say no and don’t feel pressured to do what everyone else is doing

Don’t feel pressured by friends, kids or colleagues into spending money you don’t have. It’s okay to say “no” now and then!

15. Bottle your own water

There’s something satisfying about bottled water, but that doesn’t mean you have to buy a new bottle every day. Buy the bottle and then subsequently refill it from a tap or water cooler.

16. Eat more vegetables

When it comes to meat versus veggies, the latter is both cheaper and more nutritionally valuable. We’re not saying go vegetarian, but eating less meat and more vegetables will help out your weekly budget.

17. Pay your bills on time and avoid late fees – they can be $10 or more per bill

Paying your bills on time is also a great way to keep your credit record clean. If you struggle with your bills, set up a regular repayment amount to even out the cashflow.

18. Get healthy

Your health will directly impact the cost of life insurance. Healthier people are likely to spend less on actual healthcare, too. And, in some cases, becoming healthier may reduce your health insurance premiums.

19. Monitor your bank balance

To avoid paying overdrawn fees, ensure that the interest rate is correct and that you have not been charged for purchases you didn’t make.

20. Cancel memberships you don’t use

If you’ve got a gym membership, sports club membership, or something similar that you’re paying for but not using, cancel that ASAP. You’re just throwing money away.

21. Do the stuff on this list

I’m serious! It’s one thing to read a list of savings tips – but if you really do want to save money, you actually need to follow the advice. So get on it.