Ann Speer

157 Flips | 3 Magazines | 7 Likes | 3 Followers | @AnnSpeer | Keep up with Ann Speer on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Ann Speer”

Why It's So Hard to Get Rid of Your Clutter

There's a reason Marie Kondo's book, <i>The Life Changing Magic of Tidying Up</i>, has sold millions of copies and dominated the bestseller lists since its …

Minimalism

The best restaurants in London if you don't want to spend a lot of money

Thankfully, the restaurant reservation and review site OpenTable has put together a list of the best value restaurants in the British capital to help you decide where to eat on a budget.<p>OpenTable analysed over 400,000 reviews from diners on its website, ranking the city's restaurants according to …

Japanese Food

5 Habits To Get Over Self-Limiting Beliefs

“Iceberg beliefs”–self-limiting, below-the-surface doubts–could be major obstacles to your success. Here’s how to overcome them.<p>Sometimes the biggest thing holding you back from greater success is something you might not even be aware of.<p>They’re called “iceberg beliefs,” and they could be major …

Self-improvement

9 TED talks that can help you become insanely productive

Reaching optimal productivity is about working smarter, not harder, and making the most of each day.<p>The following TED talks offer valuable lessons in doing just that.

TED Talks

Follow These 4 Rules for Retirement Investing—and Ignore Everything Else

The best way to improve your returns is usually to do nothing.<p>Diligent saving is the single most important thing you can do to improve your …

The Top Cities Where Women Earn More Money Than Men

We know that myriad factors affect the gender pay gap. But just how wide that gap is, a new study shows, can depend on simple geography. In some cities, women earn as much as—or even more than—their male counterparts, according to personal finance website NerdWallet.<p>Using the most recent U.S. …

Demographics

The stock market is experiencing something that has only happened 11 other times in history

After the first crash in late 2014, stocks were able to eke out a new high into May of last year. But since then, stocks have failed to make new highs despite strong attempts like this one.<p>Ten months without a new high.<p>That's only happened at 11 other points in history. And in eight of those …

Stock Markets

11 Ways to Cook an Artichoke (and as Many Reasons to Go Out and Buy One)

An artichoke isn't exactly <i>asking</i> to be eaten. I mean, look at this thing!<p>Beautiful? Yes. Foreboding (and spiny and prehistoric-looking)? Absolutely. It's the vegetal version of a siren song.<p>But that doesn't mean you <i>shouldn't</i> buy and eat them: <b>In the spring, when artichokes come into season, they're</b> …

These Are the Best Exercises for Anxiety and Depression

<i>By Kathleen Mulpeter</i><p>If you suffer from depression or anxiety, your workout can play a key role in managing your symptoms, thanks to the powerful link between your physical and mental health.<p>"We know that the old divisions of body and mind are false," says Ben Michaelis, PhD, an evolutionary …

Mental Health

Opinion: Here’s a sure way for you to sell high and buy low

Now that the stock market has bounced back from its terrible start to the year, investors might feel they’ve regained their balance. They have — if …

Here's Where Hedge Funds Are Betting Oil Prices Are Headed

Hedge funds and other money managers have amassed a near-record number of bullish bets on increasing oil prices, helping push the main international …

3 Stocks to Buy With Dividends Yielding More Than 5%

If you want both income and growth from your portfolio, it's hard to beat dividend stocks. An average yield of around 2% for the stock market might not give you the income you're looking for, but if you look hard, you can find some promising stocks with yields of 5% or more.<p><b>TiVo</b> (NASDAQ: TIVO),</b> …

Why is everyone talking about negative interest rates?

The European Central Bank has cut its main deposit rate to -0.4%.<p>Japan, Switzerland and numerous European countries have pushed their interest rates …

What to know before getting married: 13 difficult questions couples need to ask

Deep in the wash of romantic love, it's hard to imagine life with your soulmate as being anything other than blissful. Before you say "I do," it's a smart idea to look at the practical issues behind uniting with someone for (hopefully) the rest of your life that might make you say "I don't."<p>"If you …

Diapers

Saving money now can set you up to be a millionaire when you retire — this class can teach you how

<i>The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships so we may get a share of the revenue from your purchase.</i><p>However, while it may go against every monetary instinct you have, saving just a little money now can set you up to literally be a …

Retirement

B12 and the Brain

Vitamin B12 is essential to brain health. As a psychiatrist, it is one of the few tests I run routinely, and one of the few procedures I do is to …

Mental Health

Money and property predictions for 2017

Telegraph money experts share their predictions for 2017 regarding personal finance, property, the stock market, pensions and savings.<p>Personal finance predictions for 2017: a year of living less dangerously?<p>By Richard Evans, Telegraph personal finance editor<p>While significant change in the way in …

3 Stocks With Better Dividends Than Bank of America Corporation

Like several other major U.S. banks, <b>Bank of America</b> has battled back from the financial crisis, and is just now focusing on its dividend again. However, even after an increase in 2014, the bank pays just $0.05 per quarter, far from the $0.64 quarterly payout of 2007, and translating to a yield of …

If You Make $100,000 Or More, Here Are 3 Tax Breaks You Don't Want to Miss

If you make $100,000 or more, you probably pay a significant amount of your income to the IRS every year at tax time. That makes it critical to look for tax deductions and credits that you can use to reduce your tax bill.<p>Unfortunately, high-income taxpayers don't get to take advantage of all the …

4 Tricks That Can Help Reduce Social Anxiety

Social anxiety is a real issue for many people, and researchers say they've proved why one treatment method in particular is effective at combating it.<p>A new brain study published in the journal <i>Translational Psychiatry</i> found that people who underwent online cognitive behavioral therapy for social …

Depression

These Are the Best Retirement Calculators

Whether you're just starting out or near retirement, you can find a helpful planning tool on this list.<p>I’ve used many retirement calculators. More …

Rich Russians rejecting recession warnings by spending more | The Star

With the recession heading into its second year, most Russians are cutting back. Not Yaroslav Gafurov. The 25-year-old Muscovite said now is the …

How to ‘churn’ credit cards and travel for free

As the sun sets on Cathay Pacific flight 749 from Hong Kong to Johannesburg, you take one last sip of Chablis Grand Crubefore dimming your reading …

2016 Guide To College Financial Aid, The FAFSA And CSS Profile

<b>Please view the updated 2017 version of this guide for important updates and changes.</b><p>Unfortunately, almost everything you’ve read about college financial aid is probably wrong. New rules affecting when and how students apply for financial aid will impact families and colleges over the next few …

College & University

'Telegraph 25': the definitive list of our favourite investment funds

Ordinary investors are never short of resources offering to help them choose a home for their money. For those who pick investments for themselves, ratings and buy-lists exist to highlight the best-regarded funds.<p><i>Reader Service: Manage your investments with ease using our partners AJ Bell Youinvest</i> …

The best way to organize your finances, depending on your personality

But this to-do is just as important—if not more so—than cleaning out your closet or tidying up the garage. And, at some point, we all just need to buckle down and tackle it.<p>But successfully getting your money in order has as much to do with <i>who</i> you are as <i>what</i> you're trying to do.<p>Translation: What …

Personal Finance

Here's what it would take for investment giant Charles Schwab to tell its clients to sell stocks

Omar Aguilar, chief investment officer for equities who oversees $120 billion in assets, told Business Insider on Thursday that his team is tilting clients to consider growth areas in developed markets like Japan and the Eurozone.<p>But to advise clients to reduce exposure even further, Aguilar says …

Markets