Hoby Ratefy

28 Flips | 3 Magazines | 85 Likes | @HobyRatefy | Keep up with Hoby Ratefy 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 “Hoby Ratefy”

Want to Become the Best at What You Do? Read This

It doesn't matter how good your strategy is, if you're not skilled at what you do, that strategy won't take you very far.<p>It doesn't matter how good your strategy is, if you're not skilled at what you do, that strategy won't take you very far.<p>As Jason Fried and DHH have said: <i>"Many amateur golfers</i> …

personaldevelopment

Using the 'starve and stack' method to save $50,000 in 2 years could make a difference of up to $1.6 million in retirement

This is especially true for financial goals, like eliminating debt or reaching a six-figure net worth. Devising the right plan is more of a math problem than anything else.<p>In a recent blog post on personal finance site Budgets Are Sexy, Nick Vail, a financial adviser with Integrity Wealth Advisors …

Five tips for long-term investment success | NOLA.com

If you are just getting started on investing, it's important to get a grasp on the basics. A proper perspective from the beginning may improve your …

Brits spend over £70k on nights out with friends throughout adulthood

We didn't even know we had that much money, TBH<p>The saying goes that money can’t buy you happiness, but science recently proved otherwise – at the …

Personal Finance

Live by These 3 Rules So You Never Have to Worry About Your Savings

If you can't keep your personal finances in order, good luck running a business.<p>I can still remember the day I learned about personal savings. I was in elementary school, and the word just seemed to roll magically off my tongue--<i>savings</i>.<p>I rushed home to discuss it with my parents. My mom was …

Personal Finance

Do You Have a Written Financial Plan and Goals? | Investopedia

One objective way the world quantifies success is by how much money people can accumulate over their lifetime. Other areas I like to look at are more …

Retirement

8 Questions to Ask Before Opening a New Bank Account

It's your money -- keep it working for you.<p>Even as our world gets more digital, banks play a key role in our ability to manage our money. Whether …

Can This Classic Market Wisdom Make You Rich?

Stock market investors love to throw around aphorisms, folk wisdom, and other “unwritten rules” that they swear by. And rookie investors, desperate …

Investing

Why Saving for Retirement Is a Waste of Time and Money

You should invest for the future, not save for retirement.<p>2 min read<p>Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p>Some people get overwhelmed by the concept of saving for retirement. But, Entrepreneur Network partner Brittney Castro explains it <i>shouldn't</i> be about only saving -- it …

Retirement

Do these 5 things before you go on holiday and save thousands

Before you head off on holiday there are a few simple steps you can take to help boost your money and not fall foul of common financial pitfalls.<p>These are the most important.<p>1. Get your currency - and not at the airport<p>As we regularly highlight at <i>Telegraph Money</i>, getting foreign currency at the …

5 things extreme savers refuse to waste money on

If you want to boost your savings rate, you're going to have to make some sacrifices — some big and some small.<p>For starters, consider cutting these …

Ruby on Rails is out: major coding bootcamp ditches it, due to waning interest

Is the end of Ruby on Rails nigh? Everything seems to point that way.<p>Developer interest is waning, and now Coding Dojo, one of the largest programming bootcamps in the United States, has ejected it from its curriculum. This, it explains, is due to lower employer demand for the technology.<p>“Europe's …

7 Websites That Will Pay You Money to Do Practically Nothing

Pick up some extra beer money.<p>Side jobs are a great way to make supplemental income, and many of them are more lucrative than you’d think.<p>Still, not …

Personal Finance

The dark side to 'service with a smile'

It was Heraclitus and Democritus, a couple of Greek thinkers known as the "weeping and laughing philosophers". Heraclitus got his name from being melancholic and sad, whereas Democritus always wore a mask of cheerfulness.<p>Humans are, and always have been, highly sensitive to the emotional …

Elon Musk Just Shared 1 Simple Way A.I. Could End the World

It sounded way too plausible.<p>"This really is the scariest thing to me," said Elon Musk, referring to artificial intelligence in his keynote for thirty one U.S. governors in Rhode Island. He was speaking at the recent summer meeting of the National Association of Governors. "On the artificial …

Artificial Intelligence

This Marketer Transformed His Instagram Into 2 Profitable Businesses

Ryan Glick learned he could do much more with a photo of his coffee and his clothes.<p><i>In this series, Instagram Icon, Entrepreneur speaks with the individuals behind popular Instagram accounts to find out the secrets of their success.</i><p>Ryan Glick's business started with a simple picture he snapped of …

Social Media

The Best Guide You've Never Heard of to Managing Your Wealth

Focusing only on investments won't get you to your goals<p>For those of you confused about the best way to manage your wealth, do yourselves a favor. Read one of the best books ever written on the subject: Ross Levin's classic, Implementing the Wealth Management Index.<p>I've known Levin for more than …

Retirement

How to dodge the tourist traps at the world's iconic attractions

• Share<br>• Post on facebook wall<br>• Share on twitter<br>• Share via Email<br>• Pin to Pinterest<br>• Share on Google Plus<p>I was 16 when I first saw the <i>Mona Lisa</i>. You could just …

European Travel

The 100+ Year Old Wisteria at Japan’s Ashikaga Flower Park is Incredible

Photograph by Manish Prabhune At the Ashikaga Flower Park you will find one of the most beautiful giant wisterias in the world. Located about 100 km …

18 Classic Japanese Dishes You Can Make At Home

Drop the instant ramen and bookmark this right now.

Robots could wipe out another 6 million retail jobs

Robots have already cost millions of factory jobs across the nation.<p>Next up could be jobs at your local stores.<p>Between 6 million to 7.5 million existing jobs are at risk of being replaced over the course of the next 10 years by some form of automation, according to a new study this week from by …

Facebook and Twitter 'harm young people's mental health'

Poll of 14- to 24-year-olds shows Instagram, Facebook, Snapchat and Twitter increased feelings of inadequacy and anxiety<p>Four of the five most popular forms of social media harm young people’s mental health, with Instagram the most damaging, according to research by two health …

Mental Health

The 15 Most Popular Healthy Breakfast Recipes on Pinterest

It's so easy to get stuck in a breakfast rut. That's because when you first wake up and can barely keep your eyes open, finding healthy breakfast …

Breakfast

The race to build the world’s first sex robot

The $30bn sex tech industry is about to unveil its biggest blockbuster: a $15,000 robot companion that talks, learns, and never says no<p>In the brightly lit robotics workshop at Abyss Creations’ factory inSan Marcos, California, a life-size humanoid was dangling from a stand, hooked between her …

Robotics

Why do programmers wear headphones? For the same reason that you can’t juggle.

Some call it eliminating distractions. Some call it <i>flow</i>. Tuning out of your immediate surroundings has been shown to increase focus on internal …

Headphones

Mahindra releases radical Formula E concepts made with legendary automotive design house Pininfarina

The designs aren't just a thought experiment, though. Formula E recently opened up a call to manufacturers to design a new chassis for season five, which begins in 2018. That single chassis will be used for three to four seasons, helping keep the cost of participation low while fostering the tight …

Formula E

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