How long should I keep bills, receipts, bank statements and insurance policies? The paperwork from bills, receipts, bank statements and insurance policies can quickly become overwhelming unless you keep up with streamlining the clutter. Begin by sorting your papers into categories: legal documents, tax records, banking and investment, utility payments, medical and insurance, pay stubs and other income statements, home improvement and appliance receipts, warranties and appliance manuals. How long you should keep the paperwork depends on the category. Legal Documents Legal documents include your birth certificate, deed to your home, homeowners and life insurance policies, vehicle titles, marriage certificate, divorce decree, citizenship or naturalisation papers and your will. Tax Records Keep tax records at least three years if someone else employs you and at least six years if you are self-employed or have several sources of income. Bank Statements and Investment Paperwork Utility Receipts Medical and Insurance Pay Stubs and Other Income Warranties and Appliance Manuals
Budgetfacile.com, pour gérer votre budget et suivre vos comptes The Scientific 7-Minute Workout Ben Wiseman This column appears in the May 12 issue of The New York Times Magazine. Exercise science is a fine and intellectually fascinating thing. An article in the May-June issue of the American College of Sports Medicine’s Health & Fitness Journal does just that. “There’s very good evidence” that high-intensity interval training provides “many of the fitness benefits of prolonged endurance training but in much less time,” says Chris Jordan, the director of exercise physiology at the Human Performance Institute in Orlando, Fla., and co-author of the new article. Work by scientists at McMaster University in Hamilton, Ontario, and other institutions shows, for instance, that even a few minutes of training at an intensity approaching your maximum capacity produces molecular changes within muscles comparable to those of several hours of running or bike riding. Interval training, though, requires intervals; the extremely intense activity must be intermingled with brief periods of recovery.
Dessertation | “All you need is love. But a little chocolate now and then doesn't hurt.” C.M. Schultz Total Immersion: How I Learned to Swim Effortlessly in 10 Days and You Can Too Is it possible to get good at swimming late in life? Yes. (Photo: Shutterhack) Swimming has always scared the hell out of me. Despite national titles in other sports, I’ve always fought to keep afloat. I’ve tried to learn to swim almost a dozen times, and each time, my heart jumps to 180+ beats-per-minute after one or two pool lengths. No more. In the span of less than 10 days, I’ve gone from a 2-length (2 x 20 yards/18.39 meters) maximum to swimming more than 40 lengths per workout in sets of 2 and 4. At the end of January, a kiwi friend issued a New Year’s resolution challenge: he would go all of 2008 without coffee or stimulants if I trained and finished an open-water 1-kilometer race in 2008. He had grown up a competitive swimmer and convinced me that — unlike my other self-destructive habits masquerading as exercise (no-gi BJJ, etc.) — it was a life skill and a pleasure I needed to share with my future children. So why is this post only coming out now, eight months later? The Method
Overseas pension schemes - the basics In certain circumstances HM Revenue & Customs (HMRC) can give tax relief on pension saving contributions to, and charge tax on payments from, an overseas pension scheme. Transferring pension savings from a UK scheme to an overseas scheme can also generate UK tax charges. On this page: UK tax relief for overseas pension schemes If you're working in the UK but paying into an overseas pension scheme you may be able to get tax relief on those contributions. Tax relief on contributions to an overseas pension scheme Top Transfers to overseas pension schemes You can transfer your pension savings from a registered pension scheme to an overseas pension scheme. Transferring your pension savings into an overseas scheme Which schemes can be a qualifying overseas pension scheme (QROPS) UK tax charges for overseas pension schemes UK tax can be charged on payments made by an overseas pension scheme that holds pension savings that got UK tax relief. More about UK tax charges on pension scheme payments
Global Alliance – For Banking on Values ~ Our Banks Profitable and growing, the banks in the Global Alliance for Banking on Values are independent, licensed institutions with assets that exceed $70 billion. Together they touch the lives of more than 10 million people in 25 countries. While many of their mainstream contemporaries have been hit hard by the financial crisis, this network of progressive banks have largely flourished during it. The minimum requirement for membership is a balance sheet of $50 million, with a retail offering that serves a large number of customers, and a genuine commitment to social or environmental change. The Global Alliance for Banking on Values is a growing network.
Voyager léger ! Chez nous on voyage léger ! C’est une règle ! Une règle de survie pour les grands voyageurs que nous sommes ! photo Pixabay (libre de droits) Côté nombre de bagages, quand nous partons en famille tous les quatre, nous prenons : 2 valises cabines la somme du poids de ces deux bagages ne dépasse jamais plus de 20kg ! En plus de ces deux bagages principaux nous prenons : 2 sacs à dos dans mon sac à dos, il y a : papiers de toute la famille, guide de voyage, kindle et parfois mon ordi ; le pique-nique rentre dedans, sinon nous le portons dans un simple sac en papier le temps du trajetmon sac à main va dans mon sac à dosdans le sac à dos de mon chéri il y toute l’électronique (câbles, chargeurs, prises, iPad…)quand nous avons deux sacs de rando à la place des valises cabines, alors nos sacs à dos sont sur notre ventre 😉 2 petits sacs à dos enfants, pour leurs jeux, jouets et mini-livres : Ticoeur et Titpuce choisissent ce qu’ils souhaitent emmener Articles similaires
How To Tie A Necktie | Different Ways Of Tying A Tie The Man Academy A Comprehensive Knotting Guide 3 Knots Every Man Should Know Choosing the Right Knot for the Job Not all knots are created equal. Size, symmetry and shape can vary greatly from knot to knot and all should be taken into consideration. If you're looking for the easiest knot for beginners start here. A Visual Comparison of Necktie Knots Seeing necktie knots laid out side-by-side is the fastest way to grasp how they differ from one another. Of the knots we tied, the smallest is the Simple knot, sometimes known as the Oriental. Happy knotting!
letemps S’asseoir en face de son clavier d’ordinateur. Commencer à répondre à des dizaines de messages. S’arrêter après avoir écrit à peine une phrase pour – au choix – aller aux toilettes, se préparer un café, acheter un t-shirt en ligne ou encore vérifier ses notifications sur les réseaux sociaux… La scène vous semble familière? C’est normal. Nous la vivons tous quotidiennement. Face à des tâches cognitives, notre attention peut se montrer indomptable, passant en revue à peu près toutes les activités et pensées possibles, pourvu qu’elles nous détournent des corvées à accomplir. Plusieurs techniques existent pour y remédier. Lire aussi: Comment parvenir (enfin) à se concentrer au travail Effet Mozart Les effets de la musique sur le comportement sont depuis longtemps étudiés. Ecouter du Mozart pour augmenter son QI? La musique, cet os pour chien Une chose est sûre: les circuits neuronaux de l’attention sont impliqués dans ce phénomène. Lire aussi: La concentration, cet atout majeur au travail
Daylight Backpack - Backpacks - Travel Bags – TOM BIHN Materials: Construction: Specs: The minimalist approach: webbing straps, build your own padded back panel, and just a pocket or two. When it's time to go — to work, on a hike, or on a trip — our Daylight Backpack will be your solid, ultralight, and true companion. With a tablet or laptop and a light sweater/jacket, you're off to work, with room for a few last minute groceries on your way home. The Daylight Backpack was born from our desire for a pack as light and as utilitarian as the Packing Cube Backpack, but refined to be more pack and less cube. We initially struggled with wanting to add a padded back panel (we've all grown used to that comfort), but we were reluctant with this ultra-light design to add that additional weight and bulk. Turns out (you probably saw this coming) that these pouches also lend themselves well to organizing the inside of your Daylight Backpack.
Plein le Dos - Le Manuel de la Posture - Olivier Girard - TRAIN YOUR POSTURE - Olivier Girard, ergonome et posturologue en Suisse 85% de la population active souffre de TMS (troubles musculosquelettiques: mal de dos, nuque, épaule, etc.); même les jeunes sont concernés. Pour aller mieux, nous devons tous comprendre comment notre corps est fait pour fonctionner. Écrit pour tous et puisant ses exemples dans nos activités quotidiennes, ce livre met l’ergonomie et la posturologie à la portée de chacun, semaine après semaine. Quelle que soit votre vie, quel que soit votre problème, vous irez mieux si vous utilisez bien votre corps : Plein le Dos va devenir votre compagnon de route, et vous deviendrez votre propre thérapeute…Chaque semaine, je vous propose un objectif et un exercice: ainsi, vous ne vous concentrez que sur un seul sujet à la fois. C'est la "technique du salami", utilisée en coaching pour faciliter la prise de nouvelles habitudes. Les vidéos hebdomadaires, indiquées dans le livre par des QR codes, sont accessibles à tous ci-dessous.